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johealey

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  1. Hi - it's a default on the credit file as it comes up when checking my file so its recorded correctly, hope that helps
  2. I am just looking for a bit of advice please. I had a creation credit card, and a few years ago I fell into some ill health and was unable to keep up with repayments on my creation card. I continued to pay £15 per week and had written to them a number of times about being put into a payment arrangement, but sadly they were nothing short of unhelpful. I continued to pay £15 per week without fail and then went through a long period of ill health (still paying the weekly amount). During this time I was denied access to my online account and didn't receive any paper statement other than the odd ad-hoc statement which I thought was very random. Now I am in a better position (health wise) I have been trying to sort the account out. A few months ago, I found out that they had put a Default Notice on my credit file, however, no Default Notice has ever been received. I raised a complaint and they admitted their error in that the marker was placed on the account, but having checked that no Notice was ever sent out and they added £200 to my credit card account by way of their error and an apology. They also said that I had called them to discuss the account and that they had written to me, this was a lie as I have never ever spoken to anyone at Creation, everything has been done via email to ensure a paper trail. I therefore asked for the Default Notice to be removed given this had never been received and the first I knew about it was when checking my credit file. They agreed to remove the Default Notice, but they said they were concerned that a new Default Notice could be issued due to the arrears currently on the account - it was £900, and as of today's date is is £419.00 and they wanted to know whether I wanted to take that risk and have the Notice removed with a risk of having a new one added to my credit file with a more recent date (the current Default Notice is dated March 2021). I wrote back and took their comments on board and said that I would continue to clear the arrears asap and that the Notice could be removed as soon as the account is no longer in arrears and that I was fully committed to repaying the balance owed. However, they have now backtracked and are refusing to remove the Notice completely. They have admitted their error but are still refusing to remove the Notice, is there anything that I can do to try and get this removed please? Thanks in advance
  3. Just a quick question, I have completed a form to see whether I have had mis-sold car finance and the company I am dealing with have confirmed I have a good case. However, the legal company they are matching me with will want 40% (maximum fee)! I have seen some companies offer 25% maximum, but I wondered if someone was ever successful in doing this off their own back and whether they were successful? Are there any stories or links to template letters I could read please? Thanks
  4. ok that's reassuring re the time order. Whilst I think of it, even though I have been paying the DD on time and when they took the payment, they are still marking my credit file as a missed payment - is that right? Should they be doing this or does that relate to the arrears hence the marked "missed" payment? At one stage they were marking it as a missed payment as they were taking the wrong amount on the DD - this was before I was ill, yet I am still battling to get this remedied. No, this was definitely a warning letter as the letter mentioned the arrears due and the deadline of actioning which was the 9th October 2022. I will request the SAR, but I don't believe they have added anything as I can see my statement online and all the payments made and payments left and nothing flags up. I have explained to them time and time again that I didn't want to fill in the I&E form, but they kept saying that it was so they could help support me and to ensure that the money I was paying back in addition to my loan DD payments was affordable. I have been paying £100 extra a month for the past 3 months with no problems and they are aware of that and even if I carried on paying this for the next 16 months, the arrears would still be paid off a good year before the final payment was due. If I draft a letter in response to their request, their letter about the deadline date and anything else that's worth putting in the letter, would you cast your eye over it for me please before I send it across to them?
  5. OK that's good thank you for clarifying that, I thought that was the case but they threatened me with a Default letter today along with repossession - empty threat I guess given it wasn't even signed and probably an automated letter! I have never dealt with a time order before, does it go as a Default or a CCJ on your credit file? I assume you are not advising that the I&E is completed and returned? I am not sure how these work as I am guessing they will try and minimise all outgoings to get the maximum paid for their benefit - even though they say they are there to "support" me. Also, they have only sent me a letter re the arrears and not the full balance owed. Sadly when I bought the car my credit file was a bit worse for wear, not something I am proud of, but was ok and heading back in the right direction until I fell behind with payments when I was sick
  6. I purchased the car in September 2019, and started to pay the loan payments in October 2019. I have 30 more payments left to make. The loan was for 60 months. I have paid to date £9,399.28. The sum borrowed was £13,732 with interest totalling £26,131.20. Settlement agreement is £11,992.00 According to my credit agreement: "if you do not keep your side of the agreement but you have paid at least one third of the total amount payable under this agreement, that is £8,710.40, we may not take back the vehicle against your wishes without a court order. If we do take back the vehicle without your consent or a court order, you have the right to get back any money that you have paid under this agreement".
  7. no it's not. I took out car finance with Oodle and have fallen into arrears of the above after my cancer treatment. I am just looking for some help please, thanks
  8. The loan is secured on the car so I have to provide this to stop them from coming and taking the car and I cannot afford to risk that happening because then I won't be able to get to work.
  9. Hi, I have been asked to fill in an I&E form with regards to the arrears on my car finance - I fell into arrears due to having cancer treatment and being unable to work so took a 4 month payment holiday. They won't add these arrears to the end of the agreement as this already happened for 3 months when Covid hit and I wasn't working at all. I am now back at work and not only am I paying the direct debit for the correct payments, I am also paying £100 in addition, HOWEVER, because this payment plan has not been agreed with their finance team, they keep calling/chasing and hounding me which is not what I need whilst trying to get back onto my feet. The debt is £1600 and they have asked for this form asap so that they can "support" me in an amount that is affordable - regardless of the fact that I have said the additional £100 is affordable, apparently it's not good enough! My concern is that if I put a negative figure they will see that I cannot afford to repay the arrears and take the car away from me, the other option is that there is a credit, however, they then want to take ALL the excess money that I have left over each month and I basically will not have a life. Obviously I want to fill this in correctly, but at the same time I don't want to be sat at home for the foreseeable future clearing these arrears when I am already paying £100 a month towards it. Thanks in advance
  10. Hi, could someone point me in the direction of a template re the above please? Lowells have put a Default on my credit file for an old Avon account - an order I never received and Avon seem to be passing it around DCAs! I tried to click on the library for the templates but it tells me to register, I am already logged into my account Thanks
  11. That's the words I was looking for I don't hold out much hope as its already been rejected once, however, given the state of my credit file at the time I cannot see how they can get away with winning this one!
  12. Hi, I submitted the above letter as I sadly didn't hear anything on here and had a deadline to hit. The letter has been rejected and they are standing by their decision. I have asked for this to be escalated to the final hearing to see if they agree or whether I get a positive outcome
  13. Amazing thanks, I am not sure what to type as this is the first time I have got to this stage with the FOS, but my letter below is a start and would appreciate any comments/amends to suit: Complaint about MYJAR Limited - Trading as MYJAR Reference Number XXXXX Thank you for your email of the 29th June 2020, the contents of which are noted. I have to say I am somewhat surprised and disappointed by the outcome of this and I would like to explain why. Firstly, I attach a spreadsheet showing the state of my credit file. This show the Default date to/from the amount of the Default, including CCJs. In total I had 10 Defaults and 3 active CCJs at the time of the first loan taken out with MyJar. Two of the CCJs were paid off in July 2017, however, and still remain on my credit file until September 2020/March 2021 respectively. This should have been a sufficient warning to MyJar that they should not have lent any monies to me whatsoever. However, they went ahead and, as you can see continued to lend to me each time, when all of the Defaults and CCJs were still active on my credit file. Also, with regards to the table below, you can clearly see that another loan was taken out straight after the existing one. I understand that you cannot have more than one MyJar loan at any one time, but what I would do is use my salary to clear the loan and then borrow again from MyJar to cover the amount that I had paid off….. in a sense “robbing Peter to pay Paul”. Loan Date Taken Date Repaid Instalments Amount Highest Repayment 1 05/11/2017 22/11/2017 6 £1,000.00 £284.63 2 05/12/2017 06/02/2018 12 £1,475.00 £266.20 3 16/03/2018 18/07/2018 12 £800.00 £117.87 4 23/07/2018 outstanding 12 £725.00 £110.82 I would also like to state that Loan 4 is still outstanding as the account has been placed on hold whilst the investigation took place with yourself. They have, however, offered me a settlement figure of £600 and to clear this balance at a rate that is acceptable to myself. Looking back at previous correspondence, I still feel that all interest and charges that I have paid should be refunded. This totals £725.90 across all loans. This would therefore settle Loan 4 of £600 and the remaining monies of £125.90 owed to myself. I would therefore ask that my case is reviewed with the additional information stated above.
  14. I did in the original letter, but I am now putting together a response along with a spreadsheet showing all of these and ask for the decision to be reviewed. Would it be ok to put the draft letter on here for advice before sending please? Thanks
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