7ewis7
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Posts
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Thanks All done so I guess it's a waiting game, thanks for the help so far and I will update as soon as I get a reply or of I get a reply should I say
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Hi just to confirm I do sign the SAR and leave the £10 postal order for the SAR blank? Or do I sign that aswell
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okay i understand, well seeing as i intend to pay the debt then would all of this be a waste of time? or will i potentially find out that the figure i am being asked for is higher than they are entitled to?
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dx100uk so i cease payments until i do or dont receive the cca, and then if its found to be unenforceable then will it be written off? also if it is enforceable would it then be wise to then make an offer? or am i to drag it out until 6 years after the default? (2016)
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okay i have the templates, will personalise them tonight and post tommorow, really appreciate the advice so far
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i will give blackhorse a phonecall tommorow and ask who i need to contact in regards to the surrender and where i can obtain the terms and conditions, is there a specific way to do this or are they likely to tell me how to do it over the phone?
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pressure from a very demanding fiancee in regards to sorting my credit file and clearing debt in order to get a mortgage in the future, so i guess i did alot of things and made payments/agreements in haste, however im in the process of learning more about debt, i dont dispute the debts as they are my responsibility so i do want to repay them however if there is an easier way to deal with them or ultimately help me clear the debts with less loss to finances and less stress then id obviously want o take that route
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Thankyou i have the account statements, will have a look and have them organised tonight/tommorow, the original agreement started in august 2008, i voluntarily forfeited the car in 2009 and if i'm correct it defaulted in 2010 will have to confirm dates
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thanks for the speedy replies, i have successfully reclaimed ppi and interest, on the debt in question, what do you mean by late payment and penalty fees? @fkofilee also how would i check if the debt is enforceable? @renegadeimp
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hello i am currently in the process of paying off the last 2 of my 9 debts, in total i owed in excess of 10k, over the past few years i have managed to clear a considerable amount, currently im down to £3200 owed to DLC/hillesden on behalf of a car finance loan from blackhorse. all of my previous debts were paid off in full either as a full payment or payment plan over a set amount of months, the last debt totals £3200, in this case i am wanting to send a letter to offer a settlement figure and need some advice. first of all im not sure whether i would need to send this to the original creditor; black-horse or would i send it to the debt collection agency hillesden/direct legal collections. also i am hoping to offer a reduced offer, any tips/realistic % to offer any help is greatly appreciated and i look forward to hearing from anybody who has similar issues or can help thanks
