HI Apparently i have 2 outstanding pay day loans , I think with money in advance and access fast money. After i left step change and started dealing with the debts on my own one of these debts went to OPOS who i wouldn't communicate with as they were really nasty. Now its gone to Sll Capital and they say so has another. They're not for a lot but still more than i originally borrowed plus one month interest. I know i am being cash cowed as i paid monthly to Step Change for a while. About £65 pound each. The amounts i borrowed are around £150. they have been emailing calling and writing and i got fed up and sent all to spam. Now ive just had a letter of default last week and today they have sent me a text saying they have issued a notice of assignment. What do i do now, can a DCA register a default? Please help, there is also another thread ive put in about My Jar that i need help with Thanks

Hi Does anyone know what Lloyds would have been charging for their packaged accounts back in 1987? I've gone back over my own records and can share the following just in case it is useful to anyone else. Classic account - package referred to either:- account fixed charge account service charge account charge around 1991 account charge was £8.00 per month around 2004 account charge £10.00 per month around 2008 account charge £12.00 per month around 2011 account charge £12.95 per month i assume that the account charges would have been the same for everyone with this type of package account, but am not sure if the month that the increase took place would be the same for everyone. if anyone does know about the classic package charge for the period 87-91, and willing to share the information that would be great.

Hi I am with Smile Bank and have a bundled account with them: that is to say I pay a monthly fee and get various "benefits". One of them is for an airport lounge pass. You get a small number of free passes each year and can pay a small fee to take a guest in with you. I recently found out that if your information changes, for example, your credit card expires and you are issued with a new one, of course with a new expiry date, or if you change address, this is not notified by Smile to the company offering the lounge service, called Priority Pass". If the bundled account is with the bank, albeit it supplied by various external companies for the different services in the bundled account, are Smile not supposed to supply them with information about updates? For example, Smile know when they have issued a new card, and they are also aware of address changes. Or is this a sneaky way of making more money by not honoring bundled services?

After 6 years my Bankruptcy has finally been removed from my credit file. A default for one of the loans included also gone. However I have an old RBS bank account and loan account that for some reason weren't defaulted but were included in the BR that are still showing on my Equifax credit report as partially settled. I would like to get these removed. What are the chances?

Evening all, I have recntly recieved several calls from a company called arrow global asking me personla questions to "deal" with a supposed outstanding debt. Due to so many [problem]s out there i told them i would not give personal details to confirm who i was. Today i recieved a Claim form, with several others included. The first being a Claim form with the number N1CPC on the bottom left hand corner. In it it states i have an outstanding debt from 2002 for littlewoods, and that it was assigned to the claiment on may 17 2007 I see no stamp or seal on the form, i assume this is a stamp from a stamp machine, not a preprinted stamp on the form with a crown and the words the county court, no real stamp just the preprinte one. I have since this date had another little woods account at the same address and a ISME account who are also littlewoods at the same address, i do not recall this debt have no paperwork from 13 years ago and have never to my knowledge agreed to pay Arrow any amount. Am i correct that this debt is past it date , i recently out of curiousity got my exeparian credit file and i have no CCJ's on it or any ourstanding debts of any sorts. I really dont know about this debt and am sure its statute barred if they received it in 2007 and their letter is dated 21 jan 2015 Plus if i did have the debt surely littlewoods would have done something sooner then 5 years before selling the debt to arrow?? Any help would be appreciated , i dont want to just ignor this letter in case it is genuine, kind regards grant

Hi Guys. Sorry if this has already been addressed but I am just looking for some advice. I purchased some items from Usa before Christmas and they were delivered via Fedex and they covered the customs and duty charge. The problem is they didnt tell me or inform me they had covered it so I didnt know I owed them money. I got a letter from Control Accounts Plc yesterday stating that my debt has be passed onto them via Fedex because despite previous letters I have refused to pay my customs and duty charge. The thing is I never received any letters from Fedex regarding these charges. The original charge was £20 and they are now trying to charge me £61 as Fedex have added on a late payment fee. I contacted CAP today and told them that I am happy to pay the £20 that I owe because that it a customs and duty charge however I will not be paying the latepayment fee as I never received any warnings or letters from Fedex. The lady on the phone was less than helpful and extremly rude saying that it was my word against theirs that I never received a letter as it was sent in November and they would be charging me the £40 no matter what. I explained I would pay the £20 and she said pay it but we will still be coming after you for the £40. They dont have my name only my Business name. What should I do? Should I pay the additional £40 or leave it and let them chase me. I know its only a small amount of money but its the principle. They have threatened the usual in the letter that it may lead to a Claim being issued in the County Court. Any advice would be appriciated D x

Hi All, I was wondering if someone would be able to help me in this situation. I am having issues with the Pitman Training Course that I’m currently enrolled on. I enrolled on my Advanced ECDL/Executive PA Course in September 2014. So you can Imagine how shocked I was when in February 2015 the Pitman finance department in Croydon contacted me to say my account was in default. They stated that it had been so for 6 WHOLE MONTHS! When asked why they had not contacted me earlier to bring the matter to my attention. The response I recieved was “we had a backlog…we were poorly and unwell” etc. I felt very angry and upset as a result of this I left the centre and went home. I kept trying to call the accounts department as I thought of some suggestions on how I can resolve the account and continue my studies but it goes straight to Voicemail, I have left emails, called the office and when asking Head Quarters about the next procedures they simply distanced themselves from the situation going on to state Pitman Accounts in Croydon were a separate company and just advised me to keep trying. I emailed Patricia Porter at Croydon and had left my details, but no attempt whatsoever had been made to contact me. After attempting to call Pitman again today I was placed on hold to wait for someone in the accounts department. I was then informed “Sorry they’re all in meetings”. Then very coincidently the financial controller Patricia Porter at the Pitman Croydon Centre messages me less than a minute after the call with the one line email response below: “Dear Alesha I am away from the office today. Regards Patricia Porter” Immediately I messaged Patricia back and asked “Who can I speak to regarding my account in your absence?” I received no response at all. Exactly how do you treat a student with an attitude like that? I’m so disappointed by this lack professionalism and can’t believe I have to resort to an online post to try and reach out for advice. It is so off putting when you have an organisation with an attitude of “We won’t accept or return your calls when there is a problem…But we will be glad to accept your money anytime!” I have made every effort to reach out to them to no avail and I would really like to get further advice on what I can do about this situation as I find the accounts department in the Pitman Croydon very uncooperative,unreasonable and utterly irresponsible! Regards, Alesha

Another lender has just informed me that they have sold the account to MMF, they already owned 2 accounts which are still outstanding and now this is the 3rd! Is there any limit to the amount of accounts they will buy belonging to a single person? Do they believe I'm easy to get money out of so they keep buying my accounts? Do they do bundle deals to clear all accounts? Anyone been in the same situation, or able to shed some light on the situation and the best course of action. I dont want a company buying up all my old debts but could be some benefit if they do deals to settle them all cheaply.

Hullo, I have just received a letter from a DCA (EOS Solutions) and needless to say, I'm a little irritated... When I moved in this flat, I was paying for an unmetered supply. However, a few months later, it emerged that the flat was actually on a water meter, & all my payments subsequently transferred. No problems there. However, a few weeks back, I received a tetchy letter from Southern to "The Occupier", asking for details regarding the current occupants in relation to an unmetered account. Rang them, and they said "Oh, just an automated mail run. Please disregard". Today, I received a letter from EOS Solutions enquiring as to the occupancy at my current address. Obviously I have no intention of getting in touch with them (I have no relationship with them - as far as I see it, this is an issue for Southern Water to resolve). Also, they don't have my name or any other details. But I thought it best to be safe rather than sorry and check with the experts on here... Would I be right in thinking my best way forward is to ignore the DCA letter entirely, and speak to Southern Water and point out they need to get their bloody affairs in order. Is there any chances of this being linked to my credit rating or anything like that? Any other advice? Thanks in advance all! EDIT: Just saw the DCA link. Letter seems mostly in order as they identify their customer as Southern Water. But they did address the letter to "The Occupier"...

Hello, I wonder if anyone has been in a similar situation to myself. In April 2012 I started up a business with a friend. As he had traded as a sole trader before and experience of HMRC he became the nominated partner to do the business tax returns. Just as the 2012/13 tax return deadline date approached, he advised me that he wanted to stop trading and we agreed to wind up the business. During 2013 I had been assured that he had dealt with the 2012/13 tax returns, but that there was some problem with getting the right software and by May 2014 it was clear this had not been done. As he has all the accounts, I trusted him when he said he would resolve the issue. I have now received letters from HMRC since September 2014 stating that each partner is being fined for not filing the tax returns. My ex-business partner apologised and said he would get it done, it still hasn't been done and now the deadline date for the 2013/14 return is fast approaching. I have written to HMRC and called countless times, but all I get told is that the person dealing with it is someone I can't speak to. If any is able to give any advise on their experiences on how long this could go on for I would appreciate it. I am so annoyed that I trusted my friend who has let me down so badly and wont even respond to my messages or texts. Thanks

I am not sure whether this is the right section/place for this, but perhaps someone around here can offer advice on the following. I recently got a letter from the R.B.S, informing me that that "we have, with regret, decided that we will no longer provide these [bank account] facilities for you" They don't give any reasons, but I am assuming that my name has come up on some wide sweeping statistical based list for potential fraud/money laundering, and I guess that the R.B.S doesn't like the little man trying to get a piece of their action. I don't have a regular job, but work freelance offshore. This means that I don't have regular income, but instead have large sporadic payments, often coming from abroad. I have also traded Bitcoins during the bubble where I made thousands, and also during the crash, where I lost even more thousands. This involved a high turnover of funds and international payments, including many payments into Bitcoin exchanges. Due to my work, I am also abroad quite often, use my card abroad, and access my online banking from foreign internet ISPs, which has caused the bank to suspend services to me in the past. Aside from that, I have no debt with this bank, am always several thousand in the black, etc. Whilst it doesn't break my heart that the parasitic übermonolithic R.B.S doesn't want to be my friend anymore, I do find it quite concerning that these institutions, upon whom society has been forced to rely upon for 95% of all economic interactions, have the power to simply cut someone off, without any evidence or proof of wrongdoing (there isn't any because I am not and never have been involved with any fraud/money laundering). Also, the bank states; "We will not be able to provide references for you". If I am not mistaken, I will totally 100% need a reference from my previous bank, in order to open another bank account. Can anyone suggest to me any course of action that I might take? Would telling another bank the truth about why I am wanting to open another bank account with them simply result in an automatic rejection? Am I going to be forced to lie to open another bank account?

Hi all, I am new to this site and have been looking through lots of threads which have been really useful but thought I'd post my current issues. My partner and I have recently signed up to Experian and Call credit to see our credit reports and we've vowed to clear up our debts. My report currently shows 3 defaults - it is probably worth noting that the reason behind these was my partner had a motorcycle accident on boxing day 2013 and was unable to work for over 3 months so we had to try to manage on my income and a bit of SSP for him. Obviously, keeping a roof over our heads was priority and I let a few payments slip and have been trying to catch up ever since. Default 1 - Capital One Credit Card £373- passed to Frederickson Int and I have received a letter advising they will offer a discount to settle (no figure mentioned) however the default will only show as partial settlement. Should I accept this (obviously dependent upon figure) or should I try to negotiate. Default 2 - Virgin Mobile - £225 - passed to Moorcroft and I am literally being hounded left right and centre - offered a payment plan of £20 a month which is manageable but I am wondering if it is worth trying to ask for a full and final settlement on this. If so what would be a reasonable starting point and I welcome any advice on how to go about this. Default 3 - Provident - £575.00 - passed to Moorcroft and again I'm being hounded. no offers made yet but I am wondering whether to query my agreement on this. Firstly, I was offered no cooling off period on this agreement, in fact, the day I was given the loan the collector also took money out of it towards my first payment - is this normal? Also, I have not had any correspondence what so ever from Provident the first chase of the debt was Moorcroft. Another funny piece of the puzzle to this, I was called by my collector one day to say she was coming to collect in 30 minutes, I was actually at a friends house and she asked for the address and collected from me at my friends (I was a bit naïve on the phone and was told that I had to pay on that day or it would be passed to debt collectors so I gave her the address.) Now on my credit report, provident have added my friends address as a linked address. I have now made myself a stringent budget to allow more funds to try and clear these quicker but I welcome any advice anyone may have. On another note, my partners credit report is perfect apart from two mail order catalogue accounts that have defaulted - these accounts were opened a few years ago by his mother who has set up a payment plan with a DCA however we wondered if it is at all possible to advise the creditor of the situation and ask them to move the account to his mum's name. Whilst he is obviously cross about this, it is not something he wants to report to the police but the amounts mount to £1800 total and through the payment plan set up will take year (and more years!) to clear.

Hello, I have had a loan and a credit card account with cahoot since 2004. I have not made any payments since 2008 and was sure that my credit score is all over the place I did a search on Experian and bought the full report. Nothing showed up. I have no credit history of ever taking or not repaying those accounts. In fact my credit is FAIR and the rest says: Credit History Summary: Number of credit accounts (including those settled)0 Amount of available credit (excluding mortgages) £0 % of your total credit being used (excluding mortgages) 0% Amount of outstanding debt (excluding mortgages) £0 Number of accounts overdue 0 Number of missed or late repayments in the last year 0 I don't understand, could someone explain why those accounts are not showing? I took the most enhanced version of the check, I'm not sure I can search any more. CCJ also 0 - I checked with TrustOnline. ar1607

A new fee-free template for basic UK bank accounts has been revealed by the Treasury after a deal with major banks. Basic accounts do not offer overdrafts or cheque books, and may be given to those with a chequered credit history. Some holders of these accounts have been hit by initial fees of £30 or more after a direct debit or standing order payment has bounced. The cost can then escalate if the fees are unpaid. Under the new terms agreed, these one-off fees will be scrapped. Economic Secretary to the Treasury Andrea Leadsom said the new accounts would give basic bank account holders "certainty and clarity". "It will end people being effectively locked out of their basic bank accounts due to high fees and charges when their payments failed," she added. Account holders should also be offered a debit card, in order to withdraw cash from the UK's ATM network. Andrew Tyrie, chairman of the Treasury Select Committee, welcomed the move but said it came a year later than planned. Inside a debt charity: Matt Barlow, chief executive of Christians Against Poverty, says: We ask all our new debt clients to open a basic bank account with a bank that they don't owe money to. It is often not an easy business, especially for vulnerable people. In some cases, staff at the local branches are unaware of the basic bank account and we have found they inadvertently up-sell, offering the client a current account which results in rejection when they carry out a credit check. This is especially hard on someone who is trying really hard to get their finances back on track and take their first tentative steps to addressing problem debt. One of the other biggest stumbling blocks is that the banks want photo identification, which can be too expensive for someone without a passport or driving licence. There are only one or two companies which allow other forms of ID and we would love to see the Treasury tackle that issue. Another difficult element is the lack of a debit card with many of these accounts which really hit people in rural communities who end up travelling to a cash machine out of their immediate area and are unable to do shopping online. 'Fair fees' Some banks have, at times, withdrawn or reduced basic account holders' access to cash machines, prompting criticism from campaigners. There are an estimated nine million users of basic bank accounts in the UK. Nine High Street banks have signed up to the deal, accounting for 90% of the UK current account market. Access to basic bank accounts is extremely sporadic across the sector” says Mike O'Connor Chief executive, StepChange Banking industry body the British Bankers Association, which worked with the banks to develop the new template, said the revised account was aimed at people who might not be able to open a standard account and customers in financial difficulty. "These basic accounts will make it easier for more people to manage their money. They will have many features that will help people to budget, pay bills and save up," said BBA chief executive Anthony Browne. The EU authorities agreed a directive earlier this year that said all residents should be given the opportunity to open a basic bank account, with fees that were fair, and allowing people the opportunity to switch providers. Kevin Mountford, head of banking at price comparison website Moneysupermarket, said: "While the main banks have always borne a degree of responsibility to provide such facilities, these have often lacked clarity around fee structures and uncertainty as to who can and cannot apply, so this should now change. "It is essential that all banks fully enter into the spirit of this ruling and create basic banking products in order to help those customers who have been badly underserved in the past." Mike O'Connor, chief executive of StepChange debt charity, said: "The experience of our clients is that access to basic bank accounts is extremely sporadic across the sector, and things like high charges and limited access to cash machines can cause real problems on a day-to-day basis. "This move will give hope to the millions of people who currently feel locked out of the banking system, and help them to regain control of their finances. "However, signs of financial difficulty should not be ignored. We would urge banks and those across the credit sector to do more to recognise when people are falling behind on their essential bills and credit commitments, and signpost them to free independent debt advice as early as possible." More ...

http://www.theguardian.com/money/2014/oct/29/payday-loan-brokers-bank-accounts-poor-customers They would never do this now would they

As above really. I did have an agreement but unfortunately broke it, I do owe them £158 which I will be paying on wednesday which will clear the balance in full. Checked Experian today and the last update was 9th September and shows 2 payments in arrears. Called orange collections this morning and said i'll be paying wednesday and she put a note on file. The contract has just ended also. She seems to think the account is not dead despite being disconnected etc but was unable to help regarding its status with the cra. I know phone companies are notoriously brutal with defaults and don't send out notices. Just wondered if anyone knew how quick they tend to default customers?, I have been with them for about 8 years and my bills this last 2 years have been £120-160 a month so they have done well off me, would just be annoyed to default it now as I'm 3 years from being clean default wise. Is there any manual intervention or do you think it all done automatically?. Are they likely to still default me even after the account has been cleared?

Hey guys I got a letter ages ago from fedex asking me to pay some charges for something I purchased from america. Amount was £18.51 to pay, I ignored it and got a letter from PLC telling me to pay them instead of Fedex. What I'd like to know, is it safe to continue to ignore them ? No court hearing or any of that stuff as I can't really be dealing with that stuff as I am a Uni student. Can I just ignore them ?

So this year has been hell with Erudio. Three loans were sold to then.They accused me of not sending all info, took money from my account, told me I had to pay because I didn't defer on time when they lost some of my info etc. I won every time! They are all now deferred without any arrears. Then over the last two months they sent copies of all of my SL documents, they they credited a few hundred to my account due to legislative mistakes they said they made (I was unaware of these mistakes) then they didn't charge interest due to more supposed legislative issues. Then today out the blue they sent letters to cover all loans stating the accounts are now closed without any balance to pay!!!!!!! Any ideas?

It seems there’s an issue for owners of Kindles to be aware of, and take appropriate steps to avoid. A security researcher has discovered that malicious code could potentially be injected – and cookies stolen – via a stored cross site scripting attack on the Manage your Kindle page located on the Amazon website. According to the researcher, malicious code can be injected via e-book metadata such as the book title. Once the book is added to the victim’s library, the rogue code will trigger once they open their Kindle library web page, leading to the cookies being accessed by – and transferred to – the creator of the e-book in question. Here’s a writeup by someone demonstrating the researcher’s proof of concept test on themselves, passing with flying colours. The advice given is to be very wary of pirated e-books and other shady looking downloads – especially if you’re going to make use of the Send to Kindle feature, as this is the most likely way you’ll end up placing an e-book from outside the Kindle store into your Amazon Kindle page. We’ve taken a look at the Kindle before, and here’s some things you should be aware of: * Kindle Apps: Look before you leap Unfortunately apps which aren’t all they claim to be do appear on the Kindle Apps store, and buyers of apps should always check the reviews before committing to a purchase. Here’s some advice from the above blog entry to steer you in the right direction: Tips for Avoiding Kindle App Shenanigans 1) Read the reviews. While these apps are in circulation, the only real chance you have of avoiding a stinker is to see what horrors have befallen those brave souls who have gone before you. 2) Check the developer name. If it’s a horrible mashup of words associated with various titles, there’s a good chance some alarm bells may be ringing. 3) Take a good look at the “screenshots”. The majority of the 100% fake apps – the ones which claim to be amazing, mindblowing games and disclose nowhere that they’re just some terrible tile sliding effort – use lots of pre-renders / promotional art from real games. Google Image Search will probably come in handy here. * Sideloading apps is a dangerous game On a similar note, many titles in the gaming realm tend to show up on the Amazon Kindle store a while after they’ve already appeared on Android (Google Play) and the iOS stores. For many impatient individuals, this means a quick treasure hunt in a search engine for unofficial copies, quickly followed by lots of “Aargh what have I done” type complaints once dubious app x has been installed on unsupported device y. As per the advice in that particular blog: Looking for that Movie you really like but don’t want to pay for? Malware. Looking for an album you really wanted to listen to but out of cash? Malware. Looking for that new game that all your friends are playing but you can’t afford? Malware. It spans from the Desktop to the Mobile space and any device that might fall in between. Misleading E-Book advertisements install PUPs The above blog isn’t so much a threat to your E-Book reader or Amazon account as it is to your PC in general, with popular lists of E-Book titles used as a front for PUP (Potentially Unwanted Program) installs. On the other hand, it is a useful example when talking about how there is no subject a [EDIT] won’t touch to make some money in the side. E-Books? Sure, why not. And you can bet your finest digital copy of 1984 that somebody, somewhere would happily set up a wide range of booby trapped E-Books to swipe some Amazon accounts – or any other accounts they can get their hands on, for that matter. E-Book readers are wonderful things, but as with all the bits and pieces of tech we carry around with us on a daily basis they can provide an inroad for people harbouring bad intentions – and the occasional rogue E-Book. Christopher Boyd

I have had two catalouge account's since October 13 "Very" and "Littlewoods" I have made regular payments on each account never once being late. Now, I have come out of work and dont know what to do ? Total monthly payments are £46 and I can just not afford to make these payments "at least not until I find a new job. Can anyone advize what I should do. I can only make a token payment to each of £5 a month but I am afraid they will not accept this.

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?

Has anyone come across a case where a claim was made against a company for a debt that is over 6 years old who acknowledged the debt in their accounts, and not by writing to the creditor? I'm referring to a post on another forum (Accounting Web): http://www.accountingweb.co.uk/anyanswers/question/client-not-paying?page=1#comment-653977 (Apologies to mods if this isn't allowed) You don't need to read the full thread - just this post. The person posting said (s)he doesn't remember the case name, and I tried searching this forum but I couldn't find anything. Many thanks.

I check my credit file two to three times a year. Last time I checked was in August and had 3 defaults as expected. I checked again today and one of the defaults (unsecured personal loan for just over £16000) was marked as settled in October 2013 - I have had no communication regarding the debt since January 2013 and was making token payments up till November 2012 but had to stop due to my finances getting worse and having to deal with priority debts. I left that address in October 2013 and my mail has been getting redirected to a relatives address. I checked Experian, Equifax & Call Credit. It is the same on all three. Has this account been sold on or is something else going on that I don't know about? I mentioned it to my sister who suggested that a creditor may have bankrupted me and that is why it's marked as settled but I checked the Insolvency Register and there is nothing on that, there is also nothing on my Credit File regarding any court information. I also checked Trust Online and there is nothing registered there. I'm trying to tidy up my Credit History as I'm looking to move into a rented property soon due to starting new work in April. The agency that renting the property say they may do a credit check so don't really want anything adverse on it. Everything else on my Credit File with all 3 agencies looks good and nothing out of place but I do find it unusual that a £16k default would be marked as settled and no communication from the creditor.

Hi, I have some defaulted debts from which I made the last payment on all of them around July 2007. The defaults were not registered until early 2008. I know these debts are coming up to being statute barred but does anybody know if I can get the defaults removed when the become statute barred in July, or will I have to wait until next year? Thanks Charlie

Good Evening All Just wondering if anybody can help me, there are 2 defaults on my credit report from Provident one of which relates to a catalog and one of which relates to a credit card. I have been contacting Provident to try and gain details of the accounts as I believe that the defaults were registered long after the 6 months suggested on the ICO technical guidelines so these should be back dated to the date of the 3rd missed payment. Unfortunately Provident just keep sending an automated letter back to me stating that they are looking into this, they finally got back to me with just an A4 sheet of paper with typed amounts next to a month number. It didn't even have an address, name, signature. It literally was just a blank piece of paper with months and amounts next to it which was the balance of the account and I have heard nothing else since. I am trying to work on getting my credit report straight as I wish to apply for Mortgages starting next year but unfortunately Provident are proving to be playing difficult. Can anyone help me as I really don't know what I should be doing next? Thanks.