2Tiko
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Posts
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Thanks @dx100uk - here's the compressed file Lowell CCA Return 1999 Cap1 Card V6#.pdf
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I've scanned all the paperwork (minus the statements) but the file is too big to upload
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There was a whole load of paperwork they sent me, but as far as I can tell this is the only document with my signature on it (I might need to double check that). Interesting that you mention "no creditors have ever produced any agreement for that period" - which is good news for me;-) should I still let them know my new address? And moving forward, I just ignore their letters? And if in doubt, just check with you lovely people? What does PAPLOC mean please? And if in doubt, just check with you lovely people?
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Copy of CCA - I've removed my own signature and address etc Copy of credit agreement.pdf
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I've got the Credit Card Agreement - do I post it here or somewhere different? Wrists duly slapped I'll cancel the DD and let them know my new address, as advised above. What's the worst that can happen?
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Hello caggers I've received a letter from Lowell offering 60% discount on my balance of £6082.00 - I went back to them (possibly not the right thing to do) and offered them 25% of the debt which they have refused. Original creditor = Capital One Type of credit = credit card taken out in April 2005 Currently paying Lowell £1 a month Defaulted date = April 2006 (so no longer on my credit file) Charges and interest has been frozen I'm wondering now if I need to pay them anything, although they do have the original credit card agreement which is what worries me. I've also moved but not had chance to tell them yet (my mail has been forwarded). Any advice would be gratefully received x
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PRA Group offering 10% discount on overdraft debt originally with Lloyds TSB
2Tiko replied to 2Tiko's topic in Lloyds Bank
@dx100uk - Yes, that's correct. Moorcroft Debt Recovery = Egg credit card PRA Group = Halifax overdraft Capital One (credit card) = no DCA Am I within my rights to withhold payments to all 3 (even though Capital One isn't a DCA)? If so, how would I respond when they ask what my reason is for the stopping payments? Re the Egg debt - this was bought by Credit Solutions Ltd (I can't find a notice of assignment in my records), then passed to Moorcroft Debt Recovery (I can't find a notice of assignment for them either)! In addition, they have never sent me any annual statements -
PRA Group offering 10% discount on overdraft debt originally with Lloyds TSB
2Tiko replied to 2Tiko's topic in Lloyds Bank
@dx100uk Moorcroft are chasing the Egg credit card -
PRA Group offering 10% discount on overdraft debt originally with Lloyds TSB
2Tiko replied to 2Tiko's topic in Lloyds Bank
Thanks everyone for your replies, it's been an eye opener. In response to @dx100, here's my outstanding debts: PRA Group (original debt was an overdraft with the Halifax). Amount owing = £1297.80. Currently paying token payment of £5 a month. Capital One (credit card). Amount owing £6200. Got credit card in April 2005. First default April 2006. Currently paying token payment of £1 a month. Moorcroft Debt Recovery (Egg credit card). Amount owing £3500. Not sure when credit card started. First default April 2006. Currently paying token payment of £5 a month -
PRA Group offering 10% discount on overdraft debt originally with Lloyds TSB
2Tiko replied to 2Tiko's topic in Lloyds Bank
Oh, I had no idea. So if I stop paying DCAs, they can't do anything? Have I understood that correctly? Other debts are relating to credit cards and I have been making token payments to them too! (Capital One and Moorcroft). The debts are all approximately 6 years old. -
Hi, I've not been on this site for a while!. Does anyone have any experience with the PRA Group? I have a balance of £1297.80 from an old overdraft with Halifax/Lloyds TSB. The original default notice from the Halifax was 17/8/2011. I have been paying the PRA Group £5 per month as a token payment. PAR Group have now offered a measly 10% discount in full and final settlement. I've recently come to an agreement with another DCA and that was nearly 50% discounted . In the past I have offered to pay 30% of the debt to PRA Group but they have declined. The debt has been passed from pillar to post so they probably have paid peanuts for it. Just wondered if anyone can offer any suggestions as to how to tackle them?
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Hubby is a seasonal worker, i.e. no work between November and March. I was made redundant and am now self employed but not earning anywhere near as much as I used to. Got behind with payments once before but was within the limits - i.e. didn't need to go to court. However, we got behind with the payments again over this winter and couldn't find the money needed to avoid us going to court. We have no family that we can ask for financial help either. Have been served with the papers to attend the hearing. I did come up with a payment plan which they said they wouldn't contest. However, that was only verbal and not in writing!
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How Do You Know If You've been mis-sold PPI?
2Tiko replied to 2Tiko's topic in Payment Protection Insurance (PPI)
Can I still SAR them even if I don't have a reference number? -
Apologies - the lender is now The Mortgage Works, I had forgotten the account had moved from DHL:oops:
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Have been meaning to check this out for ages, so here goes. How do you know if you've been mis-sold PPI? I took a loan out ages ago which was paid off (via re-mortgaging). I don't have the original contract or anything so unable to check
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