My partner and I had a joint back account which went over the credit limit some nearly 6 yrs ago It was defaulted in 2009 We both received a similar letter to some on here Original joint debt was £1069 But both had letters for 299 plus costs £364.99 each Have already done AOC online but need my defence in by Monday 9th July As this was a joint debt and clearly not a Credit Agreement as stated on both claims form and not for the correct balance What should my defence say? Many Thanks

Hi, I've had a reply back from a SAR request that i submitted for my ltd company. Lloyds TSB say that SAR requests don't apply to ltd companies. Are they right ? Thanks

Hi I have been paying a debt since April 28th 2011 through HFO services ltd at £40 per month. This was my debt and I agreed to pay. This has been coming out of my account regularly since. I have moved house not do long ago and on sorting through paperwork have realised that I cannot locate the original letter from HFO with their details and my total balance owing etc. Therefore, I cannot contact them to update my details or find out what my outstanding balance is etc. On looking through various websites it appears that they no longer exist??? Is this the case? If it is, where has my money been going to? Does anyone have a contact number for them? I don't want to stop paying and then suddenly get demands, but equally I dont want my money going into a black hole either! Thanks!! Any help appreciated.

Hi folks, Can anyone tell me what I can do regarding these people? They have been ringing my family (who I rarely speak to let alone live with) asking them to confirm my address and other details as "they have something to deliver", upon further investigation it appears they are Capquest/Work with capquest. They will not say where they got relatives mobile numbers other than "public databases". I called them and they said they couldn't discuss anything unless I gave them an up to date address. Surely they are acting illegally by making calls to other people?! Thanks in Advance And sorry it should read Capquest in the subject

Hi, I posted this on the wrong forum a few days back: "Any advice trying to remove a default from a 3 mobile account? It is for £81 (defaulted in 2007) and is now settled as per my credit file but, it constantly lets me down when applying for credit. I have seen the 2 letters here now, do i send them both to 3 Hutchison? Would it be best to try a sympathetic approach first asking if the would remove the default from my file as it is only a small amount or go straight in with the 2 template letters?" Following advice from what I have found, I sent a letter asking 3 to remove the default from my accout as I am having problems when applying for credit. Here is the response they emailed to me: I've received your query regarding a default on your credit file reported by us. I understand that you no longer have an account with us and that you settled this account in full in 2008. However, this does not mean that the account should have been removed from your credit file at this time. When you entered into the agreement with us, you accepted that the way this account was managed would be reported to the credit reference agencies. You defaulted on your payments in 2007 and we reported this to them. When you settled the balance in 2008 we reported that the default was satisfied and we were not required to do anything more than this. I'm sorry this is causing problems with your credit file but we cannot remove the entry for you. My understanding is that a default on any credit agreement will remain on your credit file for six years but if you want further information on this I'd suggest that you contact the credit reference agencies. I must make it clear that we are not breaching the Data Protection Act in anyway, irrespective of the fact that your account has now been closed. We are obligated to provide the credit reference agencies with correct information on how an account has been managed and I can only reiterate that we will not be making any changes to your credit file, in relation to your request. I'm sorry I couldn't be of further assistance but if you wish to discuss this matter further, you can call me at the Executive Office on 08433 733330 (5p/min from a BT landline, other networks may vary). Our business hours are Monday to Friday, 9am until 6.30pm. The bit where it says My understanding is that a default on any credit agreement will remain on your credit file for six years is a bit confusing. Am I right in saying that you do not enter a credit agreement with a mobile contract? I entered this contract in 2006 from carphone warehouse. Please can someone advise me what my next steps could be?

http://www.moneylender.com/

Can anyone tell me what is the difference between an ATR (which I think stands for Attend to Retrieve) and a visit? It seems to me to be the same thing although Task Enforcement Ltd want to charge me £175 plus VAT for an ATR and £63.14 plus VAT for a visit, both made at the same time.

I need to know if bankruptcy is for me and wil try and keep to the facts rather than waffle on.......... 1. I have a total debt of approx £72,000 the breakdown is: mortgage shortfall debt of approx £60,000 Four x Credit cards debts of £500,£2300,£2900 and £5200 (I have been making token payments to each one for about one year) Past utility bills of approx £700 (I pay them a monthly instalements) One court fine of £300 ( i currently pay this in affordable instalements) 2.My personal situation is, I have no savings,no assets and in rented accomodation. All i have is a car worth approx £4000..... 3.My work situation is I formed a LTD company approx 8 months ago and I am the sole director. (the company is running at a loss at present, well i guess so, even though end of year accounts have not been done yet!)-Basically, i am working for no wage! The company has no debt-I rent the machinary and the premises.... 4.Shameful to say but I have attempted 2 over-doses because of all this debt (as i knew the mortgage shortfall was in the pipeline and i would be made homeless!) and am currently under phsychiatry programme and improving every day and creating my LTD company is a road to a brighter future.........and i sign of my recovery...... I just do not want this debt to dictate my life any more and i need to take the reigns and see what my options are...... Ok, i think i have stated all the facts and i hope they are clear....my questions are now: 1.Life after bankruptcy-how long does it take to be discharged and will i have to declare i have been BR? Will that prevent me from obtaining a mortgage or credit in the future? will it mean my credit file is "clean" after 6 years? 2.During BR, will i still be able to have a basic bank account? how will i be able to rent a property etc? will it not show on a credit check? 3.I suspect the mortgage company will force me into BR but they will not gain anything as i have no money or assets! will i have to pay? 4.If the mortgage company leave me alone for the time being when they realise i have nothing-would it be advisable to try and offer full & final settlements on the other debts to avoid BR myself? (although i do not have money to do it myself) 5.My main worry is my LTD company and the effects of personal BR-how can i keep my company during the BR period? can i make an accountant a director until i am discharged and then be director after i am discharged? Sorry for all the questions but i am just in so much turmoil as to what to do, do i enter into a DMP? BR? F&F offers? Should i avoid BR to avoid the shame and stigma and seek alternative options so that i am not "restricted" during and after BR, I am just so confused..........Any advice is greatly appreciated!

Hi all, Im after a bit of advise, sent my 1st letter of to these clowns asking for the usual eg contract etc, This is the response I got, what should I do next thanks in advance fred1.pdf [ATTACH=CONFIG]37240[/ATTACH]

Last year we were forced to move a boat from its mooring by the mooring owner. We received a letter of eviction with no real reason and saying we were also in debt of £2,000. Later we received an email with final bill amount that was incorrect. We told him to review it. 8 months later (march 2012), we get a letter with same amount - same answer from us this time by mail / signed for explaining why we think the bill was incorrect. Next thing is we have been harassed by a company called Final Demand Ltd.4 letters very aggressive in 2 months time, one showing some interest being added to the final bill (now £3,300) and the latest (last week) stating their client is willing to accept a smaller amount (down to £2,400) with absolutely no details how he reached that total. Letter states if we don't accept and don't pay they will start court proceeding. I must say that the mooring fees have always been paid cash over a period of 10 years. We have all the invoices bill until the end showing no late payment. We called final demand ltd to tell them their client made up the bill. Apparently they don't care. Why do they start harassing people and/or would they commence court proceeding on no evidence but their client words only?? Can anyone advise on how to proceed? Many thanks in advance.

Hi i am trying to find out the phone number of this firm Colonial Finance Uk ltd - i have spoken to various companies advertising under this name ie in Birmingham they are really Paragon. I need info on this company cos someone is trying to take loans out under my name and i dont know how to stop it. I dont want my credit score effected so i need to sort this out. Can anyone give me some advice please cos desperate Thankyou

I've been going through the DCA's as they have popped up and with CCA requests etc they have pretty much all given up. A while ago I dumped our land line number when we swapped from BT to Virgin and did the same with the mobile so it's been peaceful! Just keeping an eye on my credit file (via deal from bank with travel/mobile insurance for a good price BTW) and it's just a case of watching them drop into the SB abyss over the next few months, lord know I tried to get this sorted with the original creditors but that was like pushing water uphill so I have no issues with the situation. However on a pretty new mobile number (couple of years old) I just got a txt from Debt Managment Ltd, I'm not going to call just wondered if they are chasing and got my number or are they just one of the PPI ambulance chasers?

Hi, I am wanting some help on Motormile Finance Ltd. They turned up on my doorstep demanding money for an unpaid fuel card. This fuel card belonged to a company that went into administration in April 2010. I was a Director. They claimed that i had a Personal Guarantee [PG] on this debt [around £900]. They had no proof. He then said he would speak to the office and return at a later date. I rang the office and they said that they would provide the PG but it would take weeks to do so. I then said i would do nothing until i had the proof. He then said that if i did'nt it was too late to wait and i would have the baliff's at my door as they had tried to contact me for months. Not true. Silly of me but i was worried and had money so offered around £620 they accepted and i paid. I know i am a fool but have 3 children and did want a big scene with baliff's and such at my house!! I do remember that the company owed around this amount to the fuel card. I can confirm figures they said i owed and what i paid to them, working away at present and they are at home. Please can anyone tell me if i have a leg to stand on and what to do. Many thanks.

I would like to alert anybody that may be considering buying double glazing units, because dialling ABLE GLAZE LTD could be a very costly experience. ABLE GLAZE LTD are an Essex based company who carry out Double Glazing Repairs and also Door and Window locks repairs. They advertise their business NATION WIDE in the THOMSON LOCAL DIRECTORY. I contacted ABLE GLAZE LTD and asked for a quotation they then phoned their North West agent from their Essex headquarters, who came to measure up. My wife accepted their quotation of £520.00 PLUS vat = £624.00 and gave them an order for 10 doubleglazed units. Four small and six medium units. ABLE GLASS LTD then phoned their North West agent to order the glass. Coming home from my work that day I noticed that my wife had left a note with the quote saying that she had ordered the units. I was not comfortable with the price and phoned ABLE GLAZE LTD, you can guess how the conversation went, which included a promise to put ABLE GLAZE on this Consumer Forum. After half an hour a 10% discount was offered, at 45mins a superior employee offered a15% discount, that was their final offer or I could cancel the order, but that would have cost me £312.00 lost deposit. Throughout the conversation I repeatedly asked for the name of the company that was actually making my units, and they consistently refused, but having taken much of their time over the phone they eventually gave me the companies name. I phoned the Glass Company that was making the units and curiously asked for a quotation for 10 double glazed units - they quoted £181 plus VAT =£ 217.00. Unbelievable! I was speechless. the local glass company in the north west sold my order to ABLE GLAZE LTD who are based in Essex for £217.00 vat included. ABLEGLAZE LTD, who have made nothing, wanted to charge me £620.00 including vat. That would leave a difference of £407.00 I would have been paying, if it wasn’t for challenging ABLE GLAZE’S original cost , just because they made a phone call. ABLE GLAZE LTD who advertise their services in the THOMSON LOCAL DIRECTORY gave me the impression that they are riding off the back of the NATIONS local GLAZING COMPANIES, and it looks like from our experience that they are using them as CASH COWS . I hope that this post will save somebody hundreds of pounds by making them aware of ABLE GLAZE LTD, who will be advertising in your THOMSONLOCAL and using one of your local glaziers that you could actually phone yourself. So the choice is yours , will it be ABLE GLAZE LTD you phone, maybe you would like to receive one of their quotes, like we did, or one of the many others glazing firms in your area, to compare them first?

Hi Had a Barclays account which was taken over by ME III Ltd, Mortimer Clarke. The month they took over they automatically defaulted the account and sent an application to Northampton BCCC. I requested via a cpr 34.14 to Mortimer Clarke/ ME iii Ltd but they did not respond within the 10 day indow given to them. As I have no paperwork for this debt I had to pay the court £210 to defend and request that they write this matter off. Today received a letter from the court stating the court orders that the claim and counterclaim is stayed until Aug 10 2012 to enable parties to attempt settlement. Either tha claimant must notify the court that the whole of the claim has been settled or claimant/defendant must write to the court requesting an extension of the period of stay or all parties must file a completed allocation questionaire at the court. I have already sent in an allocation questionaire, form n150 and paid the £210 fee when I responded to the first enquiry. Can anyone help? @andylglover Cheers

Hi all, I received a letter from the county court saying the hmrc was seeking a ccj against my limited company for corporation tax. I owe 19k in total. This has risen over a few years. It started in 2001 when I was out of work for 12 weeks. I foolishly used my tax money thinking I could pay it back. I have chased this ever since and it’s got to this. I honestly don’t know what to do next. I am a one man contractor limited company with no assets. I have been paying the minimum PAYE to get my Ni stamp and taking the rest out in dividends. Now I am scared that if I go into liquidation they can chase me personally. I have tried to catch it up over the years but I would have to re pay it over 2 1/2 to 3 years to make it feasible and something I can realistically pay off. But they won’t have that at all I wouldn’t imagine. I hear of people going into liquidation and I have avoided this for 11 years. I am scared of that because it’s a massive unknown for me. I don’t have the cash to do it voluntary and I need to carry on working after it. I don’t suppose you can be a director of two limited companies whilst one of them is going through insolvency. And what happens with being able to operate as a limited company after insolvency. The other thing I am scared of is them chasing me personally for the cash. Someone who I know has said they could pursue me if they feel the company has been run badly but this is unlikely for the amount owed. Knowing my luck though they will. Has anybody been through this? If so is there anything I can do? What do I do with the pending ccj? And what happens with insolvency and the implications? I honestly don’t know what to do and I have avoided all this for 11 years now.

Hi All, Just remembered about a car I had around 10 years ago and thought I would try and find who I had the credit with. Rang bank and asked them for payments made for a specific month and turns out it was College Credit. Had a quick scour on data controller register but didn't come back with anything, anyone know anything about them? Are they a dormant company? I just want to send them an SAR and double check whether I had PPI, have a feeling I'm too late with this one though.

Not sure if this is really anything to do with Santander - however:- My son has an account with Nationwide and found a payment of £20 made payable to Santander Cards Ltd on his bank statement. He queried this with Nationwide and was told it was not their problem and that he should contact Santander. He rang the phone number which appeared next to the payment on the statement but this showed as "number unobtainable". He again contacted NW and they said they would look into this. They mentioned that it was GE finance. My son has never had any form of credit (he is only 18 and a student with no income as such). As a result of them taking off this payment he has been landed with bank charges of over £45 which is a lot of money to find when you have no income. Any comments would be appreciated.

hi all id be really greatfull if i could have some advice i used to take out loans with a firm called morses door step collection sort of loan i had a few of thease 1 after the other(very tempting when an agent says do i want 500 quid now your loan is paid up) i was told id paid up by the agent and not long after met a wonderfull woman and couple of months later i moved in with her 50 miles away from my home and lost contact with the agent... then about 18 mths ago i got a letter from a company called robinsonway ltd saying i owed £2711 i thought it was a joke an ignored it then got a letter saying if i paid 10% the debt would be cleared ignored also, then in jam 2012 i got a claim form from northamton county court stateing they (robinsons) want to take me to court, i went on the .gov website and gave a defence that i never had such a loan and maybe someone took it out on my behalf blah blah and asked them to prove with documents that i owed this money as of today i have not heard anything more on this matter rang the northamton court and they said my defence was sent to them and they have put my case on hold permatly.and they will have to pay to reopen the case, i know i never borrowed this amount but i am worried about all the intrst they are charging as follows amount claimed=£2711.91 court fee=£75.00 solicitors costs=£80 total amount=£2866.91 plus it says in the court papers they are charging me 8% per year and a daily rate of 0.48 and costs #] would it be wise for me to call robinsons to see if they are still persueing this or should i just wait for a bailiff to knock im just worried that they will do this and take my belongings car ect as i have read so many horrer storys thanks for looking jason ...

Can anyone help my Daughter trying to reclaim ppi from them contacted Financial Services they say they are no longer in business but she is still paying her loan off and no one has advised of a change of company etc.

MA Energy Ltd (February 2011) Provisional order in relation to compliance with obligations under the supply licence (standard licence condition 11) A provisional order has been made against MA Energy on 2 February 2011 in relation to the company's compliance with obligations under its licence and industry codes in relation to the purchase of electricity and other matters.

Hi Good People, I've been a lurker for some time, but thought I would ask for assistance if you would be so kind. A few years ago I signed a personal guarantee to the sum of £30K for an overdraft with the RBS. Last year through the difficult economic times, sadly we had a winding up petition served & the company was placed into liquidation. The Ltd. Co. at that time had a positive balance, but because the bank didn't act quickly after the petition was published in the Gazette, many standing orders, & direct debits, wages etc came out of the account. After this, despite me phoning them & informing them that a petiton had been served (& by this time granted) it still took at least 3 weeks before they froze the account, by which time the account was left minus £20K, which the RBS Solicitors are now looking to recover via the PG. I have wrote to them explaining the above & await their reply. Some other info, I was the largest creditor (c £150K, followed by HMRC c £50K) I look forward to the replies. Many thanks MGA

Hope someone can help. I recently was asked to get an experian credit report for my mortgage the report came back with a decent 745 but a few things got brought up on it which has meant my mortgage being denied. They are as follows ; Aktiv Kapital account updated to:9/10/2011 Account type : Bank Started 13/07/2000 Default Date 11/01/2007 Balance £832 And Aktiv Kapital account updated to : 26/04/2009 Account type : Credit card / store card Started 05/06/2004 Default 23/06/2007 Balance : £352 Can any let me know how to remove these defaults so can carry on with mortgage ?? I don't even know what they are for or connected to but have read that Aktiv Kapital regularly try it on. Any help will be much appreciated. Thanks