I've recently received a letter from avantis credit at my current address saying: We have been in instructed by our client to verify the whereabouts of flynnkev1 . Formely resident at (previous address) in relation to a business matter. Some facts in relation to this my credit file shows the following information:- Account type Student Loan Account number ***7085 0 Account holder status Gone-away Account start date 20/11/1998 Opening balance £ 2,784 Regular payment £ £ 43 Repayment frequency Monthly Date of default 15/10/2007 Default balance £ 2,784 They also have a CCJ Issued by Bryan carter with the following information Judgment date 24/07/2007 Amount £ 2,287 Court name Northampton 1) Whilst I did have another address. I still owned my property and had a mortgage , and was able to receive post (they changed the address without my knowledge) 2) At the time of the default I was at University the second time around and receiving a student loan. 3) I found out about the ccj after the event and made my last payment to brian carter in october 2007 the date of the default 4) I believe my first student loan was taken out in october 1997 and they have rolled the 97 loan into the 98 one. 5) Can I CCA Then? 6) I've not earned over 15k and do not currently earn over 15k Any advice what i should/can do would be greatly appreciated. cheers kev

Hi Has anyone got the Bank details of the following Payday loan please they are willing to share with me ? Mr Lender Peachy Txtloan Minicredit Payday UK Thank you

Hi, I have only recently earned a wage that goes above the amount eligible for deferrment. I have deferred every year since (i don't know why i didn't just ignore it after reading some of these posts!) and will struggle to pay back £100 a month for 4 years for debts incurred 20 odd years ago. I was going to ask for a SAR but wonder what action i can take to avoid paying? Any help/advice would be much appreciated Thanx

[/iHiya , I am a newbie to this site lol, I would like some advice please, I like many other people foolishly took out payday loans (this was to cover xmas for my kids).. however, I find i am not in a position to make a full repayment to them, I have sent emails with proposals of what i can afford and requested a repayment plan. not sure if i have done right??keep getting calls and letters but noone will answer my letters One of my concerns is I took a payday loan with paydayexpress on 19/12/12 for £400, however I decided that I did not want it so I repaid the £400 straight back on same day, i followed this up with an email to confirm together with asking if as i had just took it out was there any interest to pay, I also sent a letter to confirm in writing that i was cancelling the debt within my 14 day cooling off period. I received an email back saying i wasd to make a payment of £152 on 25/1./12 which was duly taken from my debit card, I thought this was the interest so thought no more abnout it. However SORRY ITS LONG WINDED, i received a telephone call on 28/1/13 saying i am owing £235?? i clearly told the man i owed nothing and explained everything to him, he put me on hold thern he said i owed it cos i took out another loan, i told him i didnt then he said it was for a deferred payment???? i told him i did not owe any mony and demanded that he send me all the relevant documents relating to this, I told him failure to supply me this i would take it to OFT as i was desputing this, having been put on hold 3 times then go through exactly the same conversation i refused to say any more and put phone down. 2 times after they rang back leaving voicemail for me to ring them back. where do i stand please im very stressed x my loans are minicredit £180 includes interest charge wonga £500 they now saying 600 + any help advice would be very much appreciated thank you:?:

Hi all, My partner was recently sent a default notice from Honours Student Loans (old pre-98 style) totalling £5076.35. She is a total basket case with finances and can't remember when she last had contact with them but feels that it was 'years ago'. I recall from looking back through her paperwork before Xmas (we've now moved so can't lay my hands on it again without a lot of digging) it appears that they also registered a CCJ against her in 2002, many addresses ago. She has always earned under the £25,287 threshold to defer it, but has been sporadic in doing so since she left uni in 1999. Surely the fact that the CCJ is statute barred prevents them from issuing another default notice? They must have issued one before the CCJ back in 2002, surely? Also isn't it statute barred anyway, with or without the CCJ as the last payment must have been a decade ago? And if all that fails, the fact that she's never been eligible to pay it back means that technically there's nothing to default her for, no? The default notice gives us 14 days, a week of which has already passed. I'm thinking of hitting them first off with a dispute notice stopping the clock on the 14 days until we can get this straightened out. I'm thinking then SRA them and see when they sent the original default notice and CCJ and then hitting them with a statute barred notice, or should I just go straight for the SB notice? I've just had a good result with RBS so I'm fired up!

GE money eventually disclosed that PPI had been added to a loan we have. However they are denying any liability as the loan was sourced via Loans.co.uk, and have given us their last trading address. Is it true that Loans.co.uk no longer trade? and if that is the case who would be responsible for the repayment of the PPI etc.

Hi all, Attached is an extract from an SAR request on Lloyds. I've made one successful PPI claim on the line titled 'LTSB Standard Personal Loan'. However, there are four others below that are just titled 'Fixed rate P/loan with Insce' from 1995-1998. My SAR paperwork contained no records of these apart from the attached small extract referring to them. Any thoughts? TIA

Hi There, Over the past 18 months we've got ourselves into a bit of trouble with Payday loans and now owe quite a bit of money to them (I'm just getting figures off the several companies we used). I've read on here about paying just balance & 1 months interest. Is there a tempate I can use to send to the companies requesting this. Many Thanks

I received notification that a car I purchased in May 2012 is subject to a Logbook Loan We purchased the vehicle from the Miss X who took out the loan, not knowing that such a loan existed. We did a HPI check (no Finance Listed), checked the log book received the tear of strip, service book, mot's etc Did a further check since receiving the letter (no finance listed) The bill of sale is between the Miss X (borrower) and Nine Regions Ltd (lender) dated 16th Dec 2011. I have read through many of the listed threads on this subject, OFT, Citizens Advice etc but am still a little confused. 1. OFT revoke logbook loans/nine regions 2009 2. OFT strike of logbook loans/ nine regions Nov 2011 3. Logbook loans / nine regions go into administration Mar 2012 4. Debt is bought by Hermes 5. OFT allow Hermes to use logbook loans trading name 6. Hermes must abide by OFT ruling and the Code of practice (CCTA) associated. So can anybody shine a light on the following If they are revoked and strike off how do they do a bill of sale dated 16th Dec 2011 Can a bill of sale be transferred to another company legally (I understand that the debt can by bought) If this is so, can a bill of sale be witnessed by the pawn brokers sales assistant If Hermes have to abide by the section 5 of the code of practice, why have they not registered an interest on the vehicle. If Hermes are now requesting the vehicle back have they taken all reasonable steps to obtain contractual payments by other means as stated in their Bill of Sale Information Sheet. Any feed back on any of the above would be very much appreciated

Hi Can anyone tell me if PPI can be contested from loans, mortgage and CC's dating back from early 80's to 2000 ? All items have been paid back but th business loan was for a huge sum of money. kind regards AG

Hi everyone this is my first post here, I checked out a few other threads and everyone is extremely friendly on this matter. About a year or so ago my then girlfriend and I were in some financial difficulties until we found FLM Loans which offered quick cash and simple method to pay the money back. Due to youthful foolishness we went for it not realizing what this meant :/. The original Loan amount was £500 to be paid in monthly installments. I would not ask if it were not important although the situation is becoming dire, since July last year I have paid out £833.01 in Payments and Charges yet still have a balance of £477. Every time I make a payment another large charge get slapped on top again. My Balance sheet is here if needed, although I can't post because of the 10 post limit :/ Please if anyone can help me with this I would be very grateful. Thanks Paul

Hi caggers Need a little help with these bottom feeders. Recieved a phone call at work from these bottom feeders regarding an outstanding balance of £247.00. I phoned them to agree a discounted settlement figure as I did not agree with it being that much. I got a settlement figure of £ 160 that I agreed to pay in two instalments and I requested that this be sent out in writing b4 i pay anything. The date of the first payment came and went and I paid nothing as I did not receive any letter of agreement from them. I then received a letter in the post stating legal action or a doorstep visit. I telephoned Advantis and advised them that no letter had been received and I repeated that if I did not receive a confirmation letter of our agreement, then no monies would be paid. The representitive said that it is not their practice to send out confirmation letters and refused to do so. He then put the phone down on me. Any suggestions on my next move please

Hello all, I am getting closer, I think, to being in a position to get control of my finances. I have set up a parachute account for my wages, cancelled my card (lost/fraud) sent letters to all of the lenders asking for a repayment schedule and withdrawing the authority for the CPA. I walked a letter into my local Santander to try and get them to stop the CPA their side and it's taken them three days to get back to me, but they have managed to register a dispute against each of the lenders. They have just said to me that regardless of this is the PDL go to VISA they can still get the transactions authorised!! How is that possible?? Santander appear to be supportive and would like me to provide them with all of the evidence of communication between the PDL and myselves. The current situation is that I have not deafualted on any of my PDL yet, I have written to them explaining I will not be able to make payment and requested that they put me into a repayment plan. Should I also be doing this via e-mail or just leaving it to recorded delivery letters. I cannot enter a DMP with StepCHange as my I&E puts me at a negative due to me being paid commission every month. I just want to get on a repayment plan as quickly as possible so that I can get out the other side of this horrible mess. The stress is really starting to hit home as I have bills coming up that I just won't be able to pay.

Hi There I have a few payday loans that have got out of control, stupidly!!! Is there any way you can use get out of these via the CCA template letter or using a DMP to pay them a fixed amount each month please? Any suggestions appreciated Thanks in advance.

Hi there, Merry Christmas and a Happy New Year To All I have got myself stck in a rut with payday loans which i took out in summer 2012, All i can afford is the interest each month(struggling when i say afford) not able to pay them off at all. My circumstances have changed and i'm struggling with rent now too. I really dont know what else to do.. Can anyone help with what i should do next? Many thanks in advance Miltonworries

i had a personal loan from these people for 300, the total to repay was 578 in their contract it stated there was a fee of 100, i told them that i did not want the loan if there were fees and was told that it was not a fee I would not be charged a 100 and that it was included in the total int repayable, if i paid early the total repaid would be a lot less i went to pay all of it 4 months early and was told i still owed a 100 fee/adm;in charge which was an interest charge previously. i was charged interest on 400 not 300 as stated at time of application, as a consequence i have been oveer charged 95, i rang head office and cash cons agree with me that telling people the charge 100 is interest and not a fee is potentially misselling but they were not going to refund me the over charge and i would have to take legal action against them, they have also stated that they are nt responsible for their agents actions even though they are lying to sell loans, can i do anything about this?

Just a quick query , i havent got much details at the moment and doing this on behalf of someone else , i am presuming someone on j.s.a would only have to pay a £1 token amount per month and can send the standard letters regarding this ?

Hi, I had a loan with these guys 2 years back for £160, they defaulted me a couple of months later for £450ish and now looking at my credit report it shows me owing them around £1300 On payday this month they took £200 out of my account (I had long ago cancelled the direct debit but it was re set up. I called my bank (Natwest) on the same day (about 7am) and as the funds hadn't reached the lender yet they reversed the direct debit. (I believe this is slightly different to the dd guarantee and indemnity as they did it over the phone and just said they were recalling the money). They also said however that they couldn't prevent EPDL setting up direct debits again and it might be in my contract. I've moved my cash into another account for now but I don't want any long term hassle with my bank now as I'm trying to be good with at least one lender so I'm considering making an offer of repayment and I just hoped for some advice on that. I can afford £50/month starting at the end of this month but the £1300 doesn't seem very realistic to me. Do people think that capital + 3 months interest sounds reasonable? Thanks for any advice.

To cut a long story short, I had 3 payday loans, and defaulted on them all and fair dos I have 3 defaults on my credit file. I paid all these debts off in full via repayment plans i.e £50 a month etc. No final settlement, each one I paid off what they asked. Should these not be marked as paid in full on my credit file rather than "satisfied?" Because it says on my credit file that my score is affected because all my non mail order accounts have not been settled as per the lenders satsifaction, yet ive paid the whole amount they asked for, and yes i was late paying but i never missed a payment once i was on repayment plans. Secondly, my original debt with payday express was £480, the default date was November 2011. I have since paid back the whole £480 via monthly repayment plan, this was paid off in the beginning of October 2012 and yet my payday express balance is showing as outstanding on my credit report - by the whole £480 and that no payments have been made!!!!! I have written to them several times and asked them to update it but they are ignoring me, now they have had my money they are not interested in talking to me. Can anyone please advise as i am very cross

Hi there, I have been monitoring the forum for a while but decided to join today and finally post my situation and steps I am making to try and put things right. Firstly I think in the last few days I have finally realised that I have a problem and a severe lack of respect for myself and obtaining credit. I am putting my family at risk and I need to sort it out as quickly as possible. I currently have about £5-6k of payday loan debt due to be debited from my account on the 31st of Dec, this is largely roll over debt and PDL taken out to cover the payments on others etc. I currently have a good credit rating. I also have a good salary but I have overcommited myself just to make ends meet. I am in the cycle but I need to get out. I have a lot of other debt including a car, an unsecured loan and several credit cards. I have contacted StepChange and they are sending out the forms for a DMP as we speak, I used the online service. The biggest issues, I have other than ruining my current credit profile (you reap what you sow though right?), is firslty that my wife is unaware and will probably suffer a mental breakdown if I tell her and secondly that my primary account, where my wages are paid into and PDL come out of, is also where our joint account is. I currently have a £5k overdraft facility with Santander on my primary account. I have already set up a parachute account and still have time to switch all my wages and necessary DD etc. My biggest concern is that if I switch to the other account Sanatander will use our joint account to rectify my primary current account. I have to stop this from happening. I want to pay everything back, Loans and Credit cards are under control (and cut up), my overdraft is free, it is solely the PDLs which are the issue. So my questions to the forum are. Is a DMP the right way forwards? Should I switch my wages/Direct Debits to the parachute account? When should I contact the PDL lenders? Will the DMP contact them for me? Can Santander take money from my Joint account? Any help or advice would be greatly appreciated, I have to get on top of this and I want to be responsible for my actions. Thanks in advance.

hi, sorry, couldnt find a forum for FLM. but they are known as amigo loans, flm quick, richmond group.. is there any way FLM loans will freeze interest charges? they were told a few weeks ago that there is now financial hardship and they were asked to stop interest so that it would give a realistic opportunity to repay the debt. is there a way to force them to do this?

OK, I wanted to run a hypothetical scenario past you good people and see what you think...... A hypothetical bloke, let's call him BOB who has a very poor credit rating, a house which he lives in with his wife and two children which the married couple own but which has a whacking 2nd charge in favour of his father who gave them money to pay a chunk of the mortgage off, no tangible assets and a job which pays him £3000 per month which to be honest he hates, decides that he is going to better his situation by going to all 240 payday loan companies and borrow the maximum amount each of them allow him to. In all, he borrows £150,000 and sets a payment date one month in the future. He then transfers the £150,000 to his other UK bank account, and through a series of offshore accounts, bounces the money into a foreign company that he is a director of. Then he closes his initial current account, cancels his debit card, sends letters to all of the loan companies pleading redundancy and offers to pay them 20% of the initial debt, or accept that he will go bankrupt and they will get nothing. He also makes reference to the fact that any contact other than by letter will be treated as 'Threats and Intimidation' and a trip to the doctors claiming of stress will back this up. A no win no fee solicitor will also be employed to chase off any threats or intimidation that should ensue. He then sits tight and waits for the phone to ring and the letters and debt collectors to arrive at his door so he can claim harrasment against them......... Other than the obvious moral and ethical problems, what are the flaws in BOB's plan?

Payday lenders regularly ‘lose’ cheques sent by customers to settle debts, forcing borrowers to pay even higher interest bills, Financial Mail has learnt. The tactic used by a number of payday loan firms aims to maximise profits by effectively locking in hard-pressed borrowers for extended periods. The ploy will heighten concerns over the sector, which entices desperate customers into taking loans with interest rates as high as 4,000 per cent. Paul Lynam, chief executive of Secure Trust Bank, whose Everyday Loans subsidiary frequently deals with customers seeking to consolidate loans to settle payday borrowings, said: ‘We will normally forward direct to the payday lender a cheque in settlement. ‘One thing that we find very surprising is the ability of some of these payday loan companies to regularly lose this settlement cheque, which has the effect of delaying settlement of the debt and incurring more very high interest rates for the trapped borrower.’ His company is frequently forced to send settlement cheques by recorded delivery before the payday loan firm will cancel the outstanding debt. Read more: http://www.thisismoney.co.uk/money/cardsloans/article-2231006/Scandal-lost-payday-loan-cheques.html#ixzz2Bx04vCMc

Hi all Still trying in vain to sort out my financial mess - now made redundant Bank of Scotland (£7378) Halifax (£5476) Wrote to all lenders - (had never missed a payment until my circumstances changed) I received some inheritance, wrote to all lenders enclosing inheritance letter as proof of lump sum received. Offered all lenders the full amount of my inheritance split by % to each lender and only 1 accepted (creation bank) Halifax have ceased collection activity advising me to contact them when my situation changes Bank of Scotland sending me lots of nasty letters and now a default. But in response to my letter asking to full and final settlement bank of scotland sent the attached (obviously an admin error as they say balance is £0.00 and must be paid in full.) could i use this as a tool to negotiate or would this be accepted by a court as an admin error on their part ie making me liable to pay all debt. Fingers crossed I manage to secure employment soon, stressing out with all this debt hanging on me [ATTACH]39287[/ATTACH]

The Government refuses to regulate Payday loan companies. The Government has given the green light to Payday loan companies to carry on charging thousands of percent interest on loans and to bully and threaten those who take out a loan. They have 'refused' to discuss the growing trend and misery caused by this legal rip-off. Jo Swinson, the minister for Employment, Relations and Consumer Affairs said "It makes sense to leave it and wait to see if the companies come up with some voluntary control". What a disgusting statement from some stuck up cow who lives on state money. She said they might have a chat about it next summer.