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Hi, I'm new to this and hope I have posted in the correct place I need some advice regarding some old debts I have if anyone can advise me please. Recently I had a break down in a long term relationship and now have got myself in trouble with several recent debts as I've been left a single father who has sole custody of my child. I am only able to work part time and have been in contact with pay plan to try and get my new debts sorted. I was silly in my younger years and managed to obtain 2 defaults on my credit file. I have 1 debt with capital one Balance £371 Default balance £506 Account start date 02/05/2008 Default date 27/11/2009. Credit limit £200 and another with Cabot financial services Opening balance £548 Default balance £548 todays balance £657 account start date 22/09/2008 Default date 31/03/2010 Original lender Vanquish credit card limit £250 I have not spoken to any of the default creditors in the last 4/5 years admitting to no debt. Pay plan have advised me that I should add these debts into a payment plan however I'm not so sure this is a wise idea as I will be admitting the debt and the 6 years can restart as they are close to being statue barred. What should I do regarding these debts ? Cabot have added fees on there for which I have no idea what for and also capital one. I receive no letters from capital one regarding this debt and receive letters threatening letters from Cabot. I'm not looking for a way out but don't know if it's wise adding them into a payment plan at this stage the debts are so old. Thanks for your time -
Dear fellow members, Some advice on the following saga, which has been going on for years, would be appreciated. I'll try and keep the explanation as short as possible. In 2011, I deposited a cheque into my NW account. A few days later, it appeared to have cleared because I had available funds showing in my account, so I withdrew some money. The day after I withdrew money, the cheque bounced, which left my account significantly over my overdraft limit. I speak with Collections and suggest that we speak again in a month's time, by which time, I'd have done some figures and worked out how much I can pay per month, to reduce the balance. They were fine with this. 30 days later, they hadn't called me. 32 days later (only 2 days after the 'we'll have a conversation in a month's time date), I receive a 'Dear John, we have closed your accounts and give you 60 days to repay the balance...' letter. I call NW, to discuss the matter and nobody can discuss the matter with me, because the accounts are now 'closed'. I tried speaking with Customer Services, 2x Collections Departments, Customer Complaints, a Previous NW Business Manager, Business Customer Services etc. Absolutely nobody could discuss the matter with me, despite me trying in vain to discuss it with them. A couple of people gave me a phone number to call, which I did. It was an unmanned voicemail facility and I left a few messages, but obviously, nobody called me back. - I could not believe how hard I was trying to speak with somebody about me paying them money and how much they obviously didn't want it - phenomenal, I couldn't have tried any harder! After banging my head against the brick wall for a few weeks and getting nowhere, I sent a letter (recorded delivery) directly to the then CEO, Stephen Hester. In short, I explained my accounts had been closed, I was trying in vain to set up a plan for repayment, but nobody would speak to me and that I knew this would start having a serious impact on my credit history - so please get your skates on, find some common sense and speak to me so I can pay you! I then received a letter from someone in the CEO's office and opened conversation with him regarding the situation, via letters and phone calls (full conversation notes takes). He fully understood the situation, was sympathetic and seemed to be doing something about the situation. The fact that I had found his direct phone number and was regularly calling him seemed to help. He then passed me onto another internal department, that could deal with a repayment plan and rectify and harm done to my credit history. I spoke to the guy there, who seemed a bit vague because he had to constantly liaise with his boss on the matters. Eventually, I found the direct dial for his boss and also their mobile number and I was in constant communication with them. Now I was in communication with 2 different people in the RBS HQ offices (who seemed contactable, had common sense and enough clout to get things done)and things seemed to be going swimmingly well. I agreed to pay back the balance over 3 months and they agreed to rectify my credit history (because it was their negligence that had effected it). I asked them to put it in writing that they would rectify my credit history, because I didn't want to keep my end of the deal, only for them to renege on theirs'. One of them thought they should check with their legal department, before writing me email confirmation of this. Guess what, their legal department tells them they couldn't do it. I then receive a letter from them saying, you have to pay everything back and we won't rectify your credit history and that this is a ‘Final Response’ from them (in complete contradiction to what we had been discussing for months) Maybe I shouldn't have asked them for it in writing, who knows. What I do know, is that while the whole saga had been going on, my credit history had been left on tatters (shows 2x defaults). Some advice on the best way forward would be appreciated. To pre-empt some questions; - They have not sent me any default notices - The amount of the defaults on my credit files are wrong - Having tallied up all bank charges I have had from them since I opened the accounts + interest, it comes to 2-3 times the amount owed to them - They have not been able to send me any T's&C's, overdraft agreements etc, following my SOR request - My credit history deteriated and went to defaults, whilst they were being negligent in not speaking with me and later on whilst people in HQ were speaking with me and were assuring me that they were dealing with things - I went over the OD limit, purely because they let me draw on a cheque that was showing as cleared I really look forward to some good guidance on the best way forward here and thanks in advance
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Have read a few threads on this company as I have now had the misfortune of having to deal with them! I have (or had) a secured loan with Black Horse Finance, they have now sold it on to Idem Servicing so it looks like after reading about them I will start getting hassles I guess The first dealings with them are a negative (tell solicitor one thing then tell me something different). Fingers crossed they don't get too annoying!
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Hello all. Been following these threads and others as I am in the same leaky boat I have sent Erudio the template letter (not their own forms) requesting deferment and three months payslips as I usually did with the SLC. Sent it by recorded mail. They completely ignored it and sent me out a new erudio application form saying my own form was undated and unsigned (it WAS both dated and signed by me.) I set up a hotmail account to deal with them faster (no way I would use my real one with these people) will be sending all email correspondence by recorded mail also as backup. I told them I would not be using their form as it was invasive etc and they had enough info to defer me. Also stated I had no other SECRET income and would happily pay back the loan if I was over the £28k threshold. I am being nice. Also sent a CCA request by recorded mail as advised on various forums. As it stands they said this: 'We can confirm that we have not received your signed deferment pack in our office, and we are not able to accept a signed letter from yourself for deferment applications
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How do I find out all the accounts I have ever held. In the last 20 years, Ive had 2 mortgages, at least 3 loans and had about 7 credit cards. I've just signed up to get my credit file, but it doesnt always show who the lender was it just shows type. Is there a way to find out everything Ive ever held?
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A friend received a letter for me from these guys. It was very polite and not demanding in the slightest. It was to do with some bank charges I ran up when my business went bust. I am a bit shocked it has risen from a few hundred quid to about £1500. He called them and explained I didn't live there but would try and get the letter to me (don't see him much). They just replied "don't worry we will just remove it from the system". Looking at their website they seem to be accountants not the usual debt collecting parasites. The letter was full of things like 'we appreciate times are difficult' and 'they can help significantly reduce the debt or possibly write it off". Anyone had dealings with them?
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Since falling foul of the debt collection industry several years ago I have managed to exist without a bank account - difficult but I have managed it. I have a small quantity of premium bonds gathering dust (a few hundred pounds) and rather than let this money stagnate I would like to cash them in. My question is does the warrant issued have to be paid through a bank account or can I go into any bank with my passport and cash in the warrant for readies? I do not want to use any of the rip off facility services that offer to cash such a payment for a fee. -
A chap in Bromsgrove decided to take his family out to lunch, they parked their car in one of the council-run car parks and put a £I in the machine for the privilege. When he returned to his car there was a penalty charge on his windscreen for £25. He was 7 minutes late, when you have a couple of kids to control it can take you a little bit longer getting back to your car. (but that is beside the point). This he felt was very hypocritical when, at the same time this car park was taken over by a group of (so called) travellers who were camping in the car park. He thought it would be interesting to see what sort of parking fees or fines they have paid.’ So he wrote to the council and asked them why should motorists be fined for over staying by a few minutes when travellers can occupy a car park for months without having to pay a penny? This is the reply he received. ‘There appears to be some confusion regarding the basis upon which the travellers were on the car park in question. ‘The position in respect of any normal user of the car park is that, by entering and parking their vehicle, they are entering into contract with the Council to pay a sum of money in return for the Council allowing them to leave their vehicle for a specific amount of time. If the vehicle is left for longer than the paid for time, no payment is made, or there is a failure to comply with parking regulations, there is, in effect, a breach of contract which entitles the Council to make a penalty charge. This is the bit I like!!! ‘In the case of the travellers, they were on the car parks as illegal occupiers and, as such, there was no contract with them as the purpose for which they entered was not permitted. ‘In the circumstances the appropriate course of action was not for “breach of contract” but for “illegal occupation”.’ So here’s a plan. Since councils will ignore all attempts to stop them screwing the motorist, next time you get a ticket refuse, to pay it on the grounds that you’re not actually ‘parking’. Say that you’re ‘illegally occupying’ the bay for half an hour and therefore the usual rules don’t apply. Let the council’s lawyers pick the bones out of that. Better still, swap your car for a Toyota 4x4 and a caravan and park where the hell you like. Full Story ... -
Our land lord lives on the premises, he is joint land lord with his brother who lives in Australia, The one here, is in massive debt, we are talking £50,000, he uses our front door to his granny flat but we have the run of the rest of the house, we are and have been happy for the past 12 years here, we pay minimal rent while basically keeping the house in sort of repair, we dont have the funds to keep the property as it should, we have just fitted a new kitchen and bathroom at OUR expense, along with many other repairs etc. He has been going down under to visit his brother several times over the past two year or so, I have even asked him if he was thinking of emigrating, he said no, which was obviously a lie, he told my wife yesterday he was moving to Australia on 5th Nov this year, this has come as a bit of a blow as we have lived her for 12 years, how can he just drop all his debt and emigrate....???????????????? we are talking £30-£40,000 on credit cards, which include 2 charges against the property, and about £4500 in water rates, couciil tax coming out of his ears, i mean mega debt (we have checked with the council that we are not libel for the CT arrears) he said we can still rent but we know his brother will hike the rent up to market value, but he wont do the repairs that need doing, we may have an option of buying the property, due to repair of the house that would valued at £100,000, but how would the debts that he has at the property and charges on the house if we buy it. But we think he is lying to appease us, to keep us on the good side and he will still go for good, we know the process of moving and getting accepted takes about 2 years for the application, he says it's all accepted and sorted Now, if he drops us in it which we know he will, is there any way we could put a spanner in the works for him regarding his emigration, if nothing else but to bide us time -
Hi, 1st time for me and need some advice on dealing with Swift advances. Around 2007 got a loan, secured on property, for 55k. Desperate times required desperate measures. Went through broker. Had to avoid forced sale of property because of Bankruptcy. Annuled bankruptcy with cash. Paid loan every month since then, a couple of missed payments, with their permission, and all repaid with agreements. No arrears. Are now in position to move on, have sold house and can pay debt. Just worked out have paid about 42k of loan and 53k still owing! Genuinely felt that would be able to negotiate a lower payment. Just phoned and asked the question hypethetically was told that unless there was a good reason for wishing to pay a shortfall of balance that this was not negotiable. Didn't want to say too much on phone as I began to feel I might incriminate myself so said I would think about my situation and write to them. She, the advisor, kept asking questions about how much the house was on market for and is it sold yet. I was extremely cagey with my reply. Questions: Would it be possible to offer less than balance owing even though there is no shortfall, her terminology not mine Could I sell property and keep loan on, it has another 10 years to run, and then just stop paying, perhaps I could l use money to drag them through court. When house is sold, ie money in bank, do they automatically take it.
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Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ? -
hi, I have just received my sar from welcome and even though they said i have no insurances i actually have "shortfall extra" amounting to a rather large amount. please can anybody point me towards a templete specifically for welcome and shortfall extra, I havent been lazy just cannot find one anywhere and believe me ive looked! thankyou in advance if you can help if not thanks for ready my post. Jamie
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Hi all! I've got a pretty common name, and have been hounded for years by a debt that seems to follow me around that has nothing to do with me. Now, I've sent the DCAs dispute letters over the years, and they go away, and then they come back - seems the debt just gets sold from one DCA to another time after time (yes... even when in dispute it seems... anyway; not to worry about that for now!) My question on this thread is, I sent them another dispute letter - and they've come back asking for my name, address and date of birth so they can comply with Data Protection 1998 and provide me with further information. I just went back saying "I am not and have never been a customer of yours, have not entered in to any agreements with you nor the alleged creditors you claim to represent - so I shall not be submitting my personal details to you. It is quite clear to me, since you are contacting an incorrect third party, that true adherence to the DPA 1998 is not something your company really values". And proceeded to tell them to remove all personal details they have about me (they seem to have my address, mobile number and name at least) - or else (the usual Trading Standards, OFT, ICO threats etc...).. My question is... what next? I guess we're at a stalemate? Presumably they'll keep hounding me and demanding my personal details... the reason I contacted them this time is they threatened a potential home visit - and I'll know I'd end up punching someone if they turned up Do I have to give them my personal details to enable them to try to 'prove' I am the debtor? As I say, I have a common name - hundreds of 'me' just in the south of the UK if you look at linkedin... what do I do? What can THEY do? Since I know it's been following me around for well over 6 years, it's bound to be a statue barred item; but I don't want to give them my personal details so they can send me the 'information' for me to prove that.. . and I'm not going to chance a statute barred letter at them as that may infer to them I know more about the alleged debt than they've disclosed to me All this for a 'debt' less than £300 *sigh* Any advice or guidance gratefully received
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I can't seem to find anything similar to out situation on here so I'm hoping some of you will be able to advise. Myself, Husband and two small children live on an estate which to be honest, isn't the best and we are working hard to try and sell our house. The problem is that most of the other houses are owned by the Council and some (not all) of the tennants aren't that considerate to others or the area. This is the main situation and I want to know if I can charge the Council. Our back gate (our main entrance) leads out to a footpath and then onto the access road. Each week the wheelie bins from around twenty properties are left just outside of our gate which is fine until the people who leave rubbish bags out there upto three days before the collection allow them to be ripped open by cats. This results in my Husband and I have to pick up nappies, food tins/containers, women's sanitary products and much more. If we do not pick it up the bin men just leave it as it's not in a wheelie bin. We have complained and after a few weeks the Coucil sent out a letter to every property in our row to tell them that no one should put rubbish out before the collection time. This has just been ignored. I'm so annoyed as we pay Council Tax and the estate should be kept clean. We also have old tyres that have been discarded on the embankments. The Coucil strimmed the bank a few weeks ago and the tyres are still there. As well as the bins outside of our back gate and litter everywhere we also have piles upon piles of old rotting leaves from the oak trees on the side of the access road. I've been told that it is an offence to sweep the leaves into the access road. The Council do not clear them up. They are slippy and piling up against our fence slowly rotting and keeping the fence damp also. My last problem is that when you drive up to our back gate you of course see the for sale sign, but you also see graffiti all over the garage doors, again owned by the Council. I just feel like there is no light at the end of the tunnel. We keep our house and garden well, but the drive up to the place just shows litter, leaves, graffiti and an unkept, old estate. What else can I do? I've thought about keeping weekly photos and then charging the coucil for cleaning it all up each week. Could I do this? I've worked very hard to drag myself out of a bit of a depression and I'm trying so hard to make this year a much better one by getting out of this hell hole. We have a neighbout next door who's been raided twice and put into prison a couple of times. It just all adds up! I really hope I've explained my situation well as I'm not the best at putting things across. I hope I'll receive some feedback and help. I'm not someone who moans about things, however I need to do whatever is required to sell our house and move somewhere better. -
Hi Folks.... Briefly - I'm in debt to the tune of around 40k on credit cards - after a long illness, including heart bypass depression etc etc - I've received a settlement from my company and have around 20K to spend settling the above 40k. The debts haven't been serviced now for over 2 years - strangely now I have some cash in my account at long last - I am receiving letters from DCAs including but not limited to; capquest; raven; arrow; drydensfairfax... Spectacularly - I have had 3 letters drop through my door today; is that to put me off any last minute shopping? What I would like to do is get them all off my back obviously..... If I offered 50% of what they were asking for to settle - would that be a goer do we think? - if so - what is the best way for me to go about offering it without accepting liability ? Kind regards - hopefully - Andy P.S. There is a high probability that I have been miss sold PPI in this lot which I'm not bothered about so long as they will just go away and not come back.... I will never have another credit card as long as I live; once this is over - I plan on keeping it all in a bag under my bed and living pon porridge.
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http://www.dailymail.co.uk/news/article-2221638/Child-benefit-cuts-heading-chaos-Reforms-complicated-taxman-explain-them.html -
Just wondered trying to put stuff onto a CD. -
They are being referred to the CC. http://www.bbc.co.uk/news/business-19755037
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http://www.dailymail.co.uk/money/bills/article-2195853/New-household-bills-squeeze-EDF-Energy-pulls-cheapest-fixed-price-deal.html
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NoW, I know this isn't the done thing, and no doubt my post will be removed. I originally borrowed £100 - £20; £80 in my pocket. It is now around the £1100 mark. I have done my best with these people to arrange repayment of the original amount but to no avail, and they are just a bunch of gangsters. So unfortunately I have felt the need to act in a less than decent fashion with them. I have ignored them. Their letters. Their emails. The lot. They can do nothing to me. Yes, it's a blot on my credit record bu so what? After what they put people through they deserve it. I suggest more people do likewise. They are all wind and y-fronts. Let them carry on. Mucky Hall are now in possession of the debt, I say let them dare even try to enforce this ludicrous debt; it wouldn't stand up in court. POWER TO THE (POOR) PEOPLE!
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... and they may be in contempt Oh dear, oh dear oh dearVehicle Cntrl v Ibbotson.pdf
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Don't believe me? Hear it for yourself [video=youtube;LibdhY-ARlo]
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helloo! today i recieved a letter from a bailiff company stating if i didnt pay £80- the fine would go up and i would be taken to court and issued with a CCJ - EEK! the story is: on 14th november 2011 i wrote to DVLA to declare SORN, even though the tax did not run out until 30th November 2011. i did not fill in a SORN form as 1.) didnt have one and 2.) didnt know thats all they accepted. it was just a bog standard letter informming them the car was on private land (300 acres) in a barn and that it wouldnt be used for 5 months thereabouts. On that date i also cancelled the car insurance with the post office. (the car in question is my polo grooms car and he goes back to Chile mid november to mid march. ) I recieved a ''last chance'' renewal notice through the post end of December 2011 and telephoned them. they said the SORN had probably crossed in the post and all would be ok however I should probably write to them again, which i did, informing them that i had already declared SORN. on 1st march 2012 i recieved a letter stating that they had recieved my letter however i had not ''checked up 4 weeks later for an acknowledgement letter" when i informed them in November therefore I was still liable for the £80 fine, £40 if paid within one week. I was so angry i threw the letter in the bin and completely forgot about it .... .... until today, 21st June 2012 i recieved at bailiffs letter threatening that if i didn t pay £80 i would be taken to court....ooops! i telephoned the number (0844) and spoke to AMIR who bluntly told me it was my problem as i didnt read the SORN form correctly where it says ''if i hadnt recieved an acknowledgement letter in 4 weeks to call them''. i told him that i didnt even use aSORN form so how could i have known, he replied one would have come with the reminder letter so you should have read it. having now looked at the tax renewal form, where this SORN NOTICE is written, is not clear enough. it is in a small box, and it doesnt say ""YOU MUST CALL US FOR ACKNOWLEDGEMENT OF SORN AS FAILURE TO DO SO WILL INCCUR A £80 FINE OR A CCJ" .... if that had been the case i would have chased them like crazy!! i told Amir that i want to go to court and that he should instruct DVLA to stop with the bailiffs and debt letters - hassle and bullying i said, as i feel i am being treated guilty when i am inoccent. i am 36 yrs old and never had a late payment fine/CCJ/points on licence and i have been driving since i was 17. any suggestions?? - shall i pay the £80 or go to court?? -
Hi all I've had an interesting year, my business finally failed owing me £50k or so and just commencing divorce proceedings with the missus. I like a challenge! I have a new job and I'm starting to look at rebuilding my life, but the credit card sharks won't leave me alone! My credit cards are all pre 2007 so I want to challenge them, but my question is this. Can I still challenge the legality of a credit card agreement even if in an IVA? Thinking of going the IVA route just to get them off my back!!! Many thanks in advance. Trying to keep my eyes on the light at the end of the tunnel, but people keep trying to turn it off!
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hi all i have a loan with minicredit it was due to be paid on the 5th of this month. i found myself very short on money and sent them a message to let them know..anyway i ended up defaulting on the loan and they started with all the charges now they have started to take all my money out of my account they take every penny thats in there thought i would be ok because as soon as money gets payed into the account it is transferred to another account.however they now seem to be able to take money when there is nothing in the account anyone know how they can do this????they are taking 3 amounts everyday and as of today i do not have any money at all not 1 p...
