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Showing results for tags 'limited'.
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Debt collection agency is chasing me for limited company debt for a company that closed about 4 years ago. They claim I was a guarantor and that the debt would have been registered with credit agencies which will affect my ability to get credit. I cannot remember but I might have signed as a guarantor and money owed relates to overdraft. Any advice would be appreciated. -
I would like to know whether it is beneficial to form a Ltd Company or not. Here's the situation: Myself and my wife already own a business, we rent a premises and the lease, which has just over 3 years left to run, is in our joint names. We don't have any creditors at the moment, all stock and equipment is paid for and belongs to us jointly. Would we be safer to go Ltd? Would we be able to change the name on the Non Domestic Rates and all other day to day expenses like Utility bills and suppliers to the new company (incidently we pay our suppliers in cash when we have a delivery, we DO NOT buy on account)? We know that it would be virtually impossible for us to change the lease into the Ltd Companies name, without our Landlord approving, which could be messy, so we won't even try that one. Just need some general advice really. Would we be better off keeping all the present equipment in our personal names, so that if the worst happened, we would be able to keep it? All advice in this matter would be appreciate. Cheers
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Hello Everyone, I got a call out of the blues from Credit solutions claiming HMRC passed on my debt to them. I quickly rang HMRC and they confirmed the information.HMRC claimed they sent letters to my previous address and that must have been the reason I didn't receive the letters about the debt. I finally agreed to a repayment agreement with them(HMRC) and they have since taken the first payment from my account,whilst the next one is due anytime soon. Recently,I got a barrage of text from CSL asking me to ring a certain James,and when I did I was told it was regarding the same debt and I told them straightaway that I have made an arrangement already with HMRC and that I have started paying off the debt.CSL then ask me to furnish them with the details of the repayment plan to which I declined and I asked them to speak to HMRC if they need such information since they originally got my details from HMRC.But they have refused to do that instead bombarding me with threatening letters . Please am I obliged to tell them the details of the repayment plan as I dont think I should do that as I do not understand why they cant confirm that with HMRC?What should I do?
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Hi, I think this it the right place to post this? So a week or so ago I receive a letter from Restons Solicitors acting on behalf of Arrow Global Limited, regarding a debt owed to HFC that was taken out in 2001. This debt in my mind is statute barred no payments have been made towards it and it was never acknowledged for a 6 year period, and it no longer appears on my credit record. This evening I get a phone call from a someone at Restons solicitors asking for payment, I told here the debt is statute barred. She said a payment was made in 2010 for £273. I told her this wasn't me and wasn't likely to be someone else. I told her I wasn't making any payment, she told me she would get further instruction from her client and the call ended there. Now I've had time to think about this supposed payment, I think I know where this figure has come from. I few years ago when checking my credit file I saw I had a CCJ on there which I think was for £273. (I can't be sure without the person who paid it for me looking at their statements). It sounds like it could have been in 2010 as well. Now when I rang up to pay this off at the time, the DRA (Not Arrow) who dealt with it had 2 debts of mine. The one that was a CCJ and the other which I now think was the HFC loan. I only paid the CCJ off, and ignored the other, as that one was not on credit file. So what I think Restons are trying to do here is claim that me paying off this unrelated debt, although it is with the same DRA is counting towards payment of the HFC loan that they are now chasing me for. Where do I stand here exactly? So I can be ready if they contact me again. Thanks.
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Last week I had an odd text from a company called CSL asking me to call them. I didn't. and on Saturday I received a letter from them saying that they were collecting a tax credit overpayment for HMRC. I do have a tax credit overpayment, for which I have a direct debit in place, and on which I have not defaulted. In fact I have paid a further £160 off the amount CSL is demanding. A call to HMRC confirmed that I have an up to date payment plan, and they have no record of my account being passed to CSL. I have written to CSL and HMRC said they will do the same. In the meantime I am receiving texts from CSL asking me to call them. I was pretty shocked that despite sorting out my payments I am being hassled in this way. HMRC say they are happy for me to keep paying them, so why are CSL involved? Confused, and not very happy.
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Hi March 2012 I purchased a caravan from haven . The goods where £51k. I payed a cash sum of £21k and my agreement was to pay £488.39 a month for 7 years , I was paying this monthly until I split from my partner and couldn't pay no more the last payment was on 1st April 2013 .. Since I purchased the caravan there has been problems thing not made right and took very long to get fixed .. I was also with out a fridge for 3months . My ground rent for all hallows site was due march 2013 which was for a sum of £3900 not including bills . . Which I could not afford to pay . In march I phone evergreen asking for advice they said there was nothing they could do I have to pay the agreement or they can take the caravan back and pay a other £4000 !!! Where has my £21000 gone !!? And the 13 months of paying £488 !! now in may 2013 I have haven asking for their ground rent and evergreen asking for there payment . . Haven was ringing and sending letters saying they will put it in storage . . I phone haven to see if they could help they are all just full of lies .. I asked could I sell the caravan to pay back the rest of the finance so I do not get bad credit they offered me £14500 !!! I have lost £36500 in 1 year which is crazy . I refused this offer , allhallows came up with some great idea .. They said for me to let them have the caravan till end of school holidays which will take a great lot of the money i owe for the ground rent and when it comes to September I can sell the caravan because September is the month they sell a lot of caravans and that I will prob walk away with £10k in my pocket . I thought great lets do that I handed over my caravan for them to rent out over the 6 weeks . . September 2013 came and time to sell my caravan and pay back evergreen finance limited and maybe walk away with some cash ) .. NO it was All a lie !! All they wanted was to take my £51k caravan to rent out for them to earn money !! They lied about September being the best month to sell which it turns out September is the worded month ! I went down the caravan park 2 weeks ago to visit a friend and people were in my caravan allhallows haven have been renting out my caravan not just the 6 weeks I didn't go in the office to confront them about this as I will just be feed with more lies .. now I have been giving a date 29 of November2013 for court . . Evergreen finance limited our taking me to court to reprocess the caravan which will been I will get bad credit (ccj) I'm calling out anyone that can help me ?? Can I stop this ccj ? Where has all this money I have payed gone ??
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Hi, sorry if this is in the wrong place i have only just registered Anyway my parent have recently been speaking to Cerys-Angharad Limited after a cold call and have given them details to one of their credit cards after being told they could get a large sum of money from missold PPI but would have to pay some fees up front. Should i be worried ? or is this a legitimate company ? they are not very good with technology so im doing this for them. Any help would be appreciated
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hi just wonder if any one has dealt with SCOTTCALL based in Glasgow my son and daughter in law have had a couple of letters from them demanding money they are saying its a sky TV debt they cancel sky in may //June because of bad service and were told over the phone the account was closed but scottcall are saying they owe them I've sent scott call a letter but not heard back just wonder if any one knew about them thanks srhbit
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Hi again all I have had a lot of dealings with various debt collectors these really have reached a level beyond even mackenzie hall They have ignored 4 emails i have sent since receiving notification they have bought my debt from lending stream. They have now sent me a letter in a way replying to my email stating i revoked there right to visit my doorstep. I am paraphrasing a bit but it goes a bit like this... You are not correct that under oft rules we can only call at your home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked, we are giving reasonable notice of the timing of the visit. I have had 5 letters in the 2 weeks since they have bought the debt. I am sick up to here and cant sleep or eat feeling worse than ever Please help I have not copied the original letter as previously in other cases as i have been advised by somebody on here they read the forums and it wont help me Thank you
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Friend found a credit agreement from these people has a Beneficial logo in the corner . She remembers paying it off a bout 3 years ago when her husband died as advised by a financial advisor but it now transpires on looking at this that there was a sickness and redundanciy cover. Who does she need to claim against tried HSBC and sent copy of the agreement and they keep asking for sort code and account number. We done an SAR on her bank to see when the last payment was made. She went into the bank and they were just useless so and SAR was the best option. Who do we need to send to for SAR on Sterling CRedit ???? -
received a letter a while back from Arrow Global Limited about a debt I knew nothing about but have a sneaking suspicion is a catalogue ran up in my name by ex, I fired off the prove it letter to them asking for all original documentation to do with debt and never heard a thing back, stupidly assuming they'd written it off, today a letter from Transcom comes through acting for clients Arrow Global Limited, do I fire off the prove it letter again or do I need to divulge somehow that I've been in contact with Arrow Global to prove this debt and they never did! I know DCA's just pass debts on but surely when a debt is disputed on who's it is they are under obligation to provide information and to not just pass the buck, ok ok I know....that's a stupid thought! The old PC crashed and burned, stupidly I didn't print off a written copy of the letter but I know it was one of the bog standard prove it letters from here! I'm not phoning them, they are however threatening Scotcall will door collect if I don't comply help -
Hi everyone, can you tell me where to begin with my problem. I took out a bank loan about a year ago with Barclays for £15k. I started off well, paying on time. Then my relationship with my partner ended and I was left to deal with the debt alone (it was only in my name). I have since had many problems tackling my debts left behind, including bailiffs and threat of eviction. Today I received the following letter from CSL Dear ..... IMPORTANT NOTICE Our client has informed us that the above debt is unpaid. As specialist DEBT COLLECTORS, we have now been asked to recover the outstanding balance. Failure to pay this amount IMMEDIATELY may result in one or more of the following:- 1. DOORSTEP VISIT - Your account may be referred to Power2Contact, to visit your address to discuss your circumstances and agree a suitable repayment plan. 2. DEBT SALE - Should this action be necessary "Barclays" will no longer deal with your account and the new debt owner will be responsible for any action taken to recover the debt. To avoid any of the above action you need to pay the above outstanding balance by return or alternatively you must telephone us to discuss arrangements for repayment. Failure to make payment or contact us to make arrangements will lead to further action. Please call us on 0208 763 4514 within 48 hours. Could you please advise what steps I should take. The most I can afford at present is £40.00 per month. Thanks -
This morning i have just recieved a letter from advantis credit limited. The letter states that "theit client" has instructed advantis to undertake debt recovery action against me. There client is "lowell group" this is a debt i have let get buried quite some time. The actual debt is from a shop direct catalogue from some time ago, but can't remember the exact details. The letter goes on to say " if we do not hear from you within 7 days they may take further action against me" then the letter goes on to say we'll apply for a county court judgement and it will harm my credit in the future. Can someone give me a bit of advice on what to do with these? they have started phoning me up but only leaving a message as i'm never really in to answer the phone. I know the next time they ring and i answer the phone i should tell them not to phone and only contact me through letter. can anyone direct me to what letter i should send back to them? by reading through the forum i assume i can claim back charges from shop direct, not sure what charges are on there but... i know there is quite a few. this is the first letter from advantis, i have had letters from lowell but i've always just binned them. (they never contacted me by the phone, just through letter) Help is appreciated.
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Hi, Just wondered if anyone had any dealings with ARCEurope Limited. I have been getting letters from them in respect of a Nationwide Flex Account, which I used in 2009 - 2010 the account had an overdraft on it, which whilst I was in the overdraft limit NW reduced by £100 then started charging me for being over the overdraft at £20 a time. I have had this passed from 4 different agencies and now with ARCEurope. I can't afford to pay the amount of £247 and I have received a letter today stating a CCJ has been prepared against me and CAN be issues in Northampton. If the matter is passed to our Solicitors for issue, our client will claim the following....... more blurp, a nd then at the end it says, if you ignore this letter we may pass this matter to our solicitors to issue the claim without further notice. I can probably offer to pay £5 - £10 a month, but no more than that Any thoughts or suggestions.
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After a couple of successes where I had irrefutable paperwork (Loan docs etc), I'm now turning to the harder cases. NB More details of wins to follow when other issues outstanding with that provider resolved. This is on a card account, commenced in say 1995 (details obscured for obvious reasons). Have a run of say 12 statements in 1996 showing PPI each month. Balance was never cleared - modest / minimum payments made. Core balance c £500 say. Have a further run of statements from 2000 (similar number). However, by then the balance has more than trebled and core of £1,600, PPI shown each time until it appears account defaulted late 2000 when PPI stops but interest continues and don't use card notes appear on statement. At this time still making modest / minimum payments. Account was settled in full with the aid of a consol loan from another provider in 2001 - and can prove final amount paid. SAR has revealed virtually nothing bar account opening date, total number and value of purchases, total of interest charged etc. My question is how to present a claim, what I can claim. An account reconstruction is out - and I'm also uncertain of total PPI charges levied due to lack of info. I'm happy that mis-selling reasons are valid. It is solely the mechanics I'm interested in. Thanks -
hi just recevied my limited capability for work questionaire form,can anyone tell me when i fill form in and send it back ,how long it takes for atos to get in touch with me for my dreaded medical
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Hi I've received an order for questioning at my local county court and the creditor is 1st Credit Ltd. I have no idea what this alleged £3,800 debt is for as I have never to my knowledge had any dealings with them and never owed or had any credit above £1,500 apart from a mortgage. Apparently they got a judgement back in November 2008 at Northampton county court but at that time (September 2008) I had to leave my home after I was attacked with an axe handle and received threats to kill by anti-social drunken thugs and my home was invaded by the thugs. I'm attending court tomorrow 24th April 2013 and just wondered if anyone had any good advice on how to tackle this firm and it's claims. Since the attack my health and mental state of mind hasn't been the best and I've pretty much lost everything else I owned, house, car, business and pretty much all my belongings of any worth. They've spent £50 on this court order so they must feel I owe the debt and have means to pay, but sitting here I can't see them getting anything back as I have nothing more to give. -
Hello guys, Can anyone help with the case of OFT v Nine Regions Limited/Logbook Loans on the point of attestation of a credit agreement and a BoS? My understanding is they (NRL/LBL) lost the First Tier Tribunal, but then appealed to the Upper Tribunal and won. Was that the last of it or did the OFT appeal this? Also, did I read, or indeed imagine, that a credit agreement has to take a specific form for it to be legal/lawful and binding/enforceable? What about charges for late payments? I accept that the Pre-Credit Information sheet did say that 'we will make a charge of £12 when we have to send you a reminder for an instalment that has not been made on time', but, Hermes Property Services have charged me, on a weekly basis, for the same letters about the same 'late' payment - a total, on occasion, of £48 for a late payment of £20?!?! Unjust enrichment? Your help appreciated.
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Hi guys, My boyfriend has received a letter in the post today, and it just seems like a complete [problem] to me, but I want to make sure! It says it's regarding Telefonica O2 UK Ltd. The letter is from - Credit Solutions Limited Capella Court, Brighton Road, Purley, Surrey CR8 2PG The letter reads - - Dear Mr _______ Our recent investigations have resulted in your details being obtained from a credit referencing agency due to a link with data we hold regarding the account shown above. To verify you are responsible for the account shown above, or if you believe that this is not the case, please contact us urgently on 0208 763 4569. If we do not recieve a response to this letter within 7 days, we will assume you are responsible and debt proceedings will commence. PLEASE GIVE THIS LETTER YOUR URGENT ATTENTION Yours Sincerely, John White For Credit Solutions Limited Under their address (as given above) there is an 0800 number, yet in the letter there is an 0208 number?? Also it gives a website to pay online at paythisaccount.com Is this a fake letter ?! Thankyou -
Hi, I had my appeal for ESA turned down and having lived off savings for a few months have decided I need to claim. I cannot go through the whole medical/ appeal process again so will try JSA. Do you have to wait 6 weeks before receiving payment? On the direct gov website all it says is payment is made from 3 days after a claim is made. Is this correct?
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hi,I am new to the site so thought i would put this on the welcome forum see how it gets on, the thing is 7 yr ago i was declared bankrupt then i have been discharged after awhile. i have had no credit what so ever since the bankruptcy and all my debts were written of with the bankruptcy, i have recently moved to a new place and out of the blue 1st credit limited have sent me this letter asking me to get into contact with them for personal reasons and to phone one number if i am the name on the letter which i am and another if i'm not, should i contact these people as it has been 7 yr since my bankruptcy, i have read that some people say contact them and others say don't bother, this isn't helping me at all as i have recently been put on antidepressants and counseling for personal reasons..I thought i was picking up a bit but this has knocked me for six again what should i do about these people.i have no credit now not even a catalogue,should i phone them and see what they want or ignore the letter,like some other people have been told...
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Hi there, I recently received a PCN whilst pulled over at Liverpool Airport, I have done some research and the general opinion seems to be ignore them however I wonder if these apply more strictly at airports? Any help on this is greatly appreciated. -
Not sure where this really belongs so posting it here. Really hope this is some sort of mistake as I just had a baby and facing benefits cuts in April if Mr [problem]eron gets his way. " Dear Miss ********** Our Client: Sigma SPV1 Limited Account Number: (not posting this on here unless required) Outstanding Amount: £495.57 Our data providers have indicated that you now reside at the above address. We act for Sigma SPV1 Limited who have instructed us with regard to your outstanding account with them in the above amount. We would be grateful if you would make arrangements to settle the full amount outstanding in the next 14 days. " Questions; 1) Who the hell are these people? I've never heard of either of them. 2) I'm already paying off the only debt that I'm aware of having and that's already stretched my income as far as it can go.
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phone call from credit security limited, didn't want to tell me much other than wanted to speak to ms xxxxx...as is they way now I wouldn't confirm and told them to write. am guessing they are a dca from the name, am puzzled as Lowell are the only one I know to be on my case. nothing has changed on noddle report. wondering if they are part of another dca? as a lot seem to be part of a group of them.
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I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?
