Jump to content
Twitter - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'

nunnyrose

Registered Users

Change your profile picture
 View Profile  See their activity

  • Posts

    464

  • Joined

  • Last visited

 Content Type 

Everything posted by nunnyrose

  1. nunnyrose
    Sorry dx, I don’t understand.....does it mean it’s only a K restriction ?
  2. nunnyrose
    Thanks for merging threads . The charge reads as follows: RESTRICTION: No disposition of the registered estate by the proprietor of the registered estate or by the proprietor of any registered charge is to be registered without a written consent signed by the proprietor for the time being of the Charge dated 26 May 2006 in favour of Lloyds Bank PLC referred to in the Charges Register.
  3. nunnyrose
    Found and done thanks I’ve started another post in mortgage/ secured loans hopefully, lol
  4. nunnyrose
    Brief history 2006 secured loan with Lloyds , taken to court November 2009 suspended possession order against me, husband struck out which I interpret as only I am liable. Have checked on land registry and it shows the charge . Anyone know if the charge should have been changed when hubby struck out. Also , how can I find out what sort of charge Lloyds have? Really hoping it’s only against me as sole debtor on jointly owned property. hope that all makes sense
  5. nunnyrose
    Thank you dx...helpful as always
  6. nunnyrose
    Hi all can anyone point me in the right direction? I’m looking on land registry site to try and confirm any charges on my property but I’m not sure where I need to look. TIA
  7. nunnyrose
    go to reply to thread, advanced not quick reply....scroll down the page past the box you type in there is a button "manage attachments" you upload any attachments and then select the files you want to attach to your post. hope this helps
  8. nunnyrose
    Hi Guys, Hoping someone can help, I am just completing an online response to Claim Form received in which I intend to defend the alleged claim against me. I am completing an Acknowledgment of Service and have reached a question I am not sure how to answer. Contest Jurisdiction You can choose to contest jurisdiction of the claim made against you. I intend to contest jurisdiction Yes or No guys please Also whilst writing you will notice that I am using my Cousin xxxxxxx account as I have yet to register, xxxxxxxxx is currently poorly and undergoing treatment she sends her best regards to you all x
  9. nunnyrose
    Hi fk Letter says yes, they will remove from cra, but it wasn't showing on file anyway.
  10. nunnyrose
    I'm helping a friend with a few debts a year ago sent a CCA request to Robbers way who couldn't comply. Just received a letter from Hoist - "we refer to the query .............As we are unable to resolve in a satisfactory manner, we have taken the decision to write off the account and cease all collection activities....." Although my friend is pretty sure she didn't have PPI, we are now sending an SAR to Captial One and I'm betting her that not only will there be PPI but also charges. Just for interest I'll keep you posted BTW, she's been cash cowed for years!
  11. nunnyrose
    always good sound advice and encouragement. You'll be missed CB
  12. nunnyrose
    Well I'm really surprised lloyds haven't sold it on so far, my friend started making token payments of £5 pm for about 5 years. This time last year I suggested she requested cca, wetcloths couldn't provide so she stopped paying. They write to her once a month to say account remains on hold. Lloyds haven't contacted her at all until recently, firstly to say they had refunded to the account an overcharge of interest from 2 months in 2010 (£80) She (me) wrote back asking for more information. They replied with the details and offered a £75 goodwill payment. We wrote back as the amount of the overcharged interest was wrong...should have been £86. They have now replied saying they will refund to the account the correct amount, + a further £12 to the account for a late payment charge and a goodwill payment of £150 by cheque direct to her. And backdating the default date as above.
  13. nunnyrose
    Still owned by lloyds, though wetcloths were collecting
  14. nunnyrose
    lol, this ones not my card....it's a friend who's asking. I don't mind helping out a few friends as it's all practice and learning for me. (mind you, I do think they should donate to CAG!) .....and the others are mine and Mr Nunny's so thankfully not all my debt!
  15. nunnyrose
    Thought that was the case DX just a bit confused as it's now gone from credit file. its a credit card.
  16. nunnyrose
    account was defaulted in nov 2010, token payments made until early last year then stopped paying as no CCA. Just received letter from Lloyds saying default registered on file in 2010 is to be backdated to 2008 and as this is more than 6 years ago the default no longer applies. Does this mean they can no longer enforce even if they produce CCA? is it SB even though token payments were made up until last year? Thanks in advance
  17. nunnyrose
    latest update:- received cheque today for interim payment whilst they further investigate As you suggested CitizenB, I did send a letter to back up the conversation - I also had to ring them last week as cheque hadn't arrived and I'd been waiting since 2nd Feb.... they hadn't even issued it! Anyway, once this cheque has cleared (apart from making a donation) I will write to them again and ask for an update. Huge thanks to all
  18. nunnyrose
    another update.... On checking their figures I didn't agree. in fact their figures didn't even add up correctly! ( sort of 2 + 2 = 1 ) They were asking me to sign and return a full and final settlement before sending me payment. so i phoned them and told them that as they had upheld my complaint and obviously owed me I would like my money please, and that I would be happy to accept their offer as part payment whilst they continue the investigation. After much argument they have now agreed to send me a big fat cheque as an interim payment without me signing or accepting as full and final. I've yet to receive it but will report back as and when
  19. nunnyrose
    I worked in the motor industry for many years. Yes, it's not uncommon for a vehicle to be registered before arriving at the dealership BUT the finance agreement would never have been signed by the customer until the point of hand over/delivery. The dealership will have received their payment for the amount you have financed so absolutely no way should those finance documents have been signed and processed until you collect the vehicle! It is fraud for the dealership to receive payment for something that has not been supplied.
  20. nunnyrose
    well worth it I've come to look at these claims as a sort of savings plan, lol. I'll report back here once it's settled so we can mark the thread title as success
  21. nunnyrose
    an update on this - at last! Lloyds have finally upheld my complaint I'm now checking their figures against my own before I accept their full and final settlement. It's only taken them 2 1/2 years !!!
  22. nunnyrose
    well they would have to supply the CCA to be able to take you to court. Like I said IF I were you I would stop paying them, but it has to be your shout. The DCA's might chance their hand with a claim but without the documentation to back up any claim it wouldn't get far. CCA them to find out what's what.
  23. nunnyrose
    IF I were you I would stop paying anything to anyone and see what happens. If any of them make contact, then CCA's for credit cards and loans to whoever makes contact. It's your call but it seems to me you're making payments and your not sure who too. Bank accounts don't have credit agreements so no point in asking for the Consumer Credit Agreements - (think i'm right with this) You could send SAR's to banks ( £10 charge) and see what the information reveals
  24. nunnyrose
    I would send a CCA request to cabot. send it 1st class recorded delivery, and perhaps inform restons that you have made this request.
  25. nunnyrose
    Hi Shiblets for starters it wont do any harm to send CCA requests for loans and credit cards - send to whoever you're paying. then decide how you want to deal with each "debt" - if you're paying DCA's ask yourself why? ( can they provide you with info to verify the debt?) It would be easier to get advise on each debt individually, so I would suggest starting separate threads for each one.

Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:- 923 Finchley Road
London NW11 7PE

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...