Nationwide £21k loan + Arrows and old Vanquis Card Debt been paying £1pcm too for almost 10yrs

[heavenhelpme]

Help

i added to loan few months ago but lost my job and gonna struggle paying the £570 pm

the card been paying £1pm for few yrs vanquis

but with arrow advice please.

was lookin at dro

[dx100uk]

so you have 2 debts

a nationwide loan

and an old Vanquis card debt from years ago that you've been blindly paying a DCA for being a nice little cash cow.

you do realise a DCA in NOT A BAILIFF

and has

ZERO legal powers on ANY DEBT - not matter what its type - YOUVE BEEN HAD!!

when did you take the card out?

 

[heavenhelpme]

Yrs ago it's not showing on clearscore so i think around 2013 2014 ish. 

[dx100uk]

ever sent scammin arrows a CCA request?

if not do so. today. pers id stop paying . shame you got taken in by their threat-o-grams that say they'll do everything under the sun, but never actually use the word WILL.

is the loan defaulted at all?

 

[heavenhelpme]

I have been paying arrow last fee yrs if i remember rightly. I am going to default 1st july on nationwide as lost job in may and used last money to pay the loan

Looks like card was paid from 2018 to arrow damn.

What will nationwide do shall i take the dro out as im guessing they will take me to court 

I will get a cca sent to arrows tomorrow and see what happens card was granite and applied via paper application yrs ago. 

[Bazooka Boo]

Then you have an extremely good chance that they won't be able to find any enforceable paperwork, send the CCA then see if they come back with anything.

 

As for the loan, have you informed the bank that you are in financial difficulty?

They ''should''  help you, have you checked your credit file?

 

Were you in financial difficulty when you applied for this loan? What state was your credit file in when you applied?

 

 

 

[dx100uk]

just type no need to hit quote.

do not take out IVA/DRO etc for consumer debt. not worth it.

simply approach nationwide and state you are in financial difficulties and will the please free all interest and refrain from levying unlawful penalty charges.

they wont do court no.

as for Arrows, they'll never get the signed agreement..bye bye debt. 

it might pay you to:

/assets/static/govuk-opengraph-image-dade2dad5775023b0568381c4c074b86318194edb36d3d68df721eea7deeac4b.png

Options for dealing with your debts: Breathing Space (Debt Respite Scheme) - GOV.UK

WWW.GOV.UK

---

Alternatives to bankruptcy and the different types of agreements you can make with your creditors.

 

but do NOT allow the vanquis? card to be part of it. ignore that exists.

 

dx

 

[heavenhelpme]

Had 2 defaults last yr then topped up loan 4 months ago problem is i been in out of work i got 2 defaults on my report at moment from last yr

[dx100uk]

i dont mean D in the calendar section...only you and the creditor can see that part.

that is not a registered defaulted date

have you received any default notice letters under section 87 of the CCA?

[dx100uk]

6 hours ago, heavenhelpme said:

Yrs ago it's not showing on clearscore so i think around 2013 2014 ish. 

which means the card had a DN years ago and thats been +6yrs so A/C vanished...can't comeback.

so the loan IS still showing on credit file with a few D's in the monthly resume section....no DN yet?

[heavenhelpme]

Had 2 defaults last yr

shows on credit score

lost job dec

took top up feb time.

Nothing showing from granite on the file

Loan is 21k for 7 yrs so quite new