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BrokenBiscuits

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  1. On my latest Noddle credit report the entry for All-in-One-Fiance has disappeared. It's not showing in the closed accounts section either. On Clearscore it is showing as a closed account. When I rang and spoke to AIOF last month to say I was still waiting to hear from them, I was told because I hadn't made any payments since the company had gone bust my record would marked as in default. So, no idea what's going on.
  2. But how can they sell a debt when they haven't even told me how much I owe? The letter last week said if I didn't take up the new Drive Happy Package with Motorway Direct, which I didn't, I called them and categorically stated I did NOT want it, then this amount would be decuted from what I owe.
  3. I have today received a letter from PRA Group saying that Resolution Recoveries are now collecting on this debt and I've to contact them to arrange payment. As usual it's a premium rate number so I'll wait until they contact me.
  4. Mine too was mis-sold, I have lodged a case with the Financial Ombudsman, although I'm finding them pretty uselss as it was lodged over 18 months go! Anyway I received a letter, hand-delivered to my house yeterday from a company called Motorway Direct, saying they will take over the DHG although you could opt out and the agreement would be cancelled from the date of CC's collapse. I rang up immediately and told them to go forth so I'm hoping that's the end of that. I had a small loan with CC for £750 which they sort of forced and bamboozled me into and apparently I've to continue paying that, however, I've never heard a dickie bird from AIOF since I rang them and told them I was suspending payments until I knew what was going on. My credit file this month said payments were up-to-date despite me now missing two months payments.
  5. Yes, it's called a Notice of Correction. However, I've been told it's worse if you add this as lenders take longer to approve you and may decline solely based on an NoC due to abuse of the system. Whether this is true or not, I don't know.
  6. All-in-One Finance is the name on my credit reference. I rang them and the guy on the phone could tell me diddly squat and said they were expecting to be put into administration shortly. So, I told him that as I'm paying for a service they are unable to provide that I would suspend my payments until they could provide me with clear details of what's ging to happen and that I'd like him to make a note on my account to that fact. He was really nice actually considering he was probably going to lose his job fairly soon and said he didn't blame me. Not sure what will happen with my credit rating but I think I can take the hit if it comes to it, until it's sorted anyway.
  7. I've cancelled my DD, let them sort it out when the time comes.
  8. If you are still paying for this useless warranty, can you llegitimately stop payments?
  9. I rang them yesterday but the guy on the phone couldn't tell me anything so I asked him to place a note on my account saying that I am suspending payments until such time as there is a clearer picture. He said 'Absolutely, I don't blame you'. So I've cancelled my DD and will wait to hear.
  10. In May 2013 I stupidly bought a car from Carcraft and was pressured into taking out an additional 3 year guarantee by a salesman who told me a pack of lies (I know, I'm an idiot!). For various reasons this warranty turned out completely uselss and I have lodged a complaint with the FOS, who incidently also seem useles as it's been well over a year since I've heard from them and all I get when chasing is "it's a complicated law, we will get back to you". Apaprt from all that, I've read this morning that Carcraft has gone into liquidation and closed down all their garages, so in effect they wouldn't be able to uphold their end of the bargain i.e. MOT, servicing and repairs at their premises. So where does this leave me? I've been paying £45pm for the past 2 years for a service I've never used and wont be able to use. Can I stop paying? I have also sold the lemon of a car they sold me and paid off the finance on it. It's only this warranty that's outstanding over a 5 year period.
  11. Got in today and have received a letter from MKDP, this must be the 3rd/4th outfit who's had a go at this. It starts by saying 'Despite previous communication from us...' that's just completely untrue, I've never heard from them. I've heard from several of their other 'pen names' but never them. apparently they have 'traced' me. A bit of a waste of time, all their other outfits seem to know where I am, I've not gone anywhere for years. The debt now appears to have gone up to nearly £8k! I wonder how many letters I'll get from this lot before they pass me on, or are this lot the 'heavies'?
  12. Being Glaswegian myself, I'll happily dance with the Scottish lot, that should be fun. I think I'll keep playing with them a while longer. The guy who rang me earlier was an Asian sounding 12 year old.
  13. Well why would they be ringing me I wonder. I don't have any other defaults. This car loan is the only thing I've ever had.
  14. This cheeky b*****r who rung me said, "We will continue to call you" I just said "knock yourself out".
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