Hi do you think this would work with provident if people are constantly renewing their loans before they paid off so as soon as they get to a point to renew they will and also borrow over longer periods and bigger amounts if so could u advise on what u done to help please x

Exactly same here especially if it's marked down as satisfied aswell

Hi so all these threats that they already been fined for they still doing and getting away with it are nonsense. I.ve received the same emails as others and same with me on credit file default and then closed as satisfied . So if it's been marked as satisfied can it be put back on credit file as not paid again mine was with cfo thanks

I found that weird aswell of it was a unpaid Ccj I thought they would of had letters before now from court . Thanks f9r the info aswell

Hi helping a friend out not sure on much mind . She's received a letter asking to pay a reduced amount off a debt she don't know what's it for. But states she was taken to court in December 2008 and not paid it I gather as it was for just over 200 now it's 300+ due to court fees. She moved during this month so not got a clue about any of it first time she knew when she opened the letter. as it's gone 6yrs does she still pay it plus she has no Ccj on her name as check her credit report regular.

Hi sent of the reply they tried to fight at first and wanting me to settle with them. I refused point blank and told them unless I have everything I have asked for I will go to court . They replied and said they will wait for the court to tell them to give me the information I asked for. today I got a letter saying they give me notice of discontinue of claim against me . So we'll done for helping me and thanks x

Ok solicitor said they will get all the info i requested not heard back yet about that so how do i fill my defence out..

That i did not know thanks for telling me will start putting money aside now incase i lose x

whats my chances of winning this i have imformed them i.m fighting it as dont want a ccj on my name Hi i have logged online and have filled the form out and acknowledged of service said i.m defending the whole claim. I will now send the other thing to the solicitor asking for proof etc thanks again.

Ok thanks that will be great cause i.m useless with things like that

Ok thanks

Ok will do i know it sounds stupid but what do i put as my defence ?

It has their address and a stamp but not a real stamp its a photo copy if u know what i mean . The address is county court business centre . 4thfloor st katherines house. 21-27 st katharines street . Northampton. Nn1 2lh. 0300 123 1056

Ok claimant is: jc international acquistion LLC. 16 Mcleland road. St cloud. Minnesota. Usa. 56303.. address and solicitor. James devane. moriarty law. 15 old bailey. London ec4m 7ef. 0203 126 4544. The claim is for talk talk which is now due and payable i agreed to pay monthly instalments but failed to do so. 280.60 plis a year interest plus court costs now 388.05

How can i get a copy up as only got my phone its a s6 not got a clue how to post pics on here How do i do this on my phone its a s6 no computer

I.ll try not sure how u do it on my phone

Hi its dated the 11th april i had it last wk on wednesday. It says i agreed to pay monthly instalments but faioed to do so i did no such thing or is that the phone line rental they talking about. If i remember rightly the broadband was knocked off but the phone was left on but we all used mobiles We then changed to another one plus net which was worse than talk talk and now bt and thats even worse but not in debt with these.

Hi i received a court letter taking me to court as i owe £280.60 now raised to £388.05 cause of court. The debt is with moriarty law client jc international acquisition llc. They say its from 2011/2012 . I got no default on my credit file yes i have had debt letters went through a really bad time them years and only now got back to normal with things. What should i do i phoned them i did not admit the debt but they want it all paid of 65 today and 20 every wk and then no court order against me. They say its for line rental plus broad band even though they knocked me off thanks

Hi my friend rents off her council and in her area you pay the council water rates on top of your rent so her house is £95 a wk plus £11 water rates it's been the same amount for years and I gather same for all. Her son just had a council house aswell with his girlfriend and due to have a baby and they said it can be reduced to £5.42. Now I am concerned cause she's a single woman and if she went through Welsh water she would only be paying around £5.42 herself mybe less if water meter fitted . So can councils do this and if so how can they charge you more than water rates are .

She never had a overdraft she and a change in income and got into debt and ended up with a few hundred pounds of bank charges and no way to pay them that in turn ended up with more on top and so on. So bank said we will give u a overdraft and it was to be paid every month and in turn would be reduced by a portion of the payment and the rest went on interest and fees. So she was paying £40 a month £26 reduced the balance and the rest on fees and interest. So as the fos as said lloyds should of defaulted in may 2009 and all interest and charges to be paid back,should all she's paid on the overdraft minus the original debt be paid back aswell. The original overdraft for charges was 1150 she was paying £40 for a few years then £45 a month

It was a overdraft but wasn't credit she could use her balance always stayed to what the overdraft was . They called it a unplanned overdraft Not sure where to click on to upload. Here goes again 2008 lloyds gave overdraft for 1150 with a payment arrangement of £45 a month to reduced balance only £26 of the £45 was used to reduce balance the rest in fees and interest. During the last 6 years she has had more charges that wasn't added onto overdraft but paid totaling a sum of £1655 . There is still 449.23 owing lloyds now want it paid In full even though no missed payments so complaint went in. We then looked at what's been paid to date and was shocked this debt should of been paid years ago. So fos states that even though they agree with the charges she thinks they added to her financial hardship. So she says that has the payment arrangements been broken that if she went overdrawn but the monthly payment was still taken and renewed every 6 mths . Cause lloyds carried on with this they helped her get into more debt and should of defaulted in may 2009. So word for word. Back date the default to may 2009 ,meaning it will no longer be visible on Mrs credit file. Refund the interest and charges applied from the point she should of been defaulted, in may 2009, to the present date. Pay Mrs 8%simple interest on the interest and charges applied from may 2009 to the date of settlement. This will compensate for the fact she didn't. have use of the funds. This will also result in a overpayment which should be paid directly to her. Compensate Mrs £100 for not taking the approximate action much earlier on which resulted in inconvenience and contributed to her financial difficulty.

How do u post the emails not sure how to do that

Hi sorry about that. Yes she had charges on top of charges the overdraft was supplied then didn't have one before that. But during the last 6 years while paying it off the 45 was not taken off the balance only £29 the rest was interest and fees . But also during this time she was still having bank charges regular which totalled the sum of £1655 . They are willing for the £1655 to be refunded but not any of the £45 a month she's been paying with a outstanding balance left of 449.23 which they want to be paid out of what they are refunding her. We would of been happy with the settlement except the amount that's been paid back for the original debt is more than double but that they still want the 449.23 I think that's unfair

Hi been helping a friend who had loads of bank charges on top of more which got out of control. So they he gave her a overdraft to pay them off the figure in 2008 was 1150 she's been paying £45 A month. Last October they decided they was not allowing her to pay monthly anymore and defaulted it she had 466 left to pay. So made a complaint to lloyds and the fos . Now fos have come back and said she believe the bank charges where correct but die to her being on benefits all this time and breaking the payment plans regular they should of defaulted her in may 2009 so is owed all chargers and interest back from then plus 8% and £100 compo. On top of that original debt of 1150 she also had more bank charges of £1655 from may 2009 to November 2015. Which they are willing to pay but not the £45 a month minus the original debt owed. She's paid 2950 to date but there's still £449.23 owed which they want her to pay. But I.m under the impression that as she should of defaulted in may 2009 then £2950 minus the £1150 equals £1800 plus £1655 + 8%+£100 compo is owed. Fos says no just the £1655 and u still owe the £449.23 am I right in saying she's wrong she should get the difference in what she's been paying for last 6 years she's paid the original debt twice over already so how can she still owe it. O yeah the whole £45 never reduced the balance some of it was interest and fees so only a portion reduced the balance that's why there is still money owing on it. But If defaulted and went to debt recovery then this debt would of finished in 2011 if paid £45 a month.

hi found out today that the police helped the landlord partner commit a criminal offence they kept saying it was a civil matter but infact it was a criminal act as not only did the landlord partner have no rights to be there but he broke in and and the police done nothing and helped him to perform a illegal eviction. We seeked some advice today from a friend who is a solicitor and the police can be taken to court and payout compensation and so will the landlord aswell everything was illegal i.ve got all the information to take to shelter tomorrow what police have done wrong we was told shelter looks down on illegal evictions and will also help take this to court she should be entitled to legal aid as it was a criminal act by both police and landlord they also said could be nice payout from police and landlord takes time but we have the evidence and grounds . All she wanted was a legal eviction nothing about a house could of been done until that happened as it wasn.t valid but telling us that police would help her not landlord was total bull. Police didn.t have a clue i knew more than them. But police know i can not remove anyone unless a court order and baliffs