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neeny

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  1. Hi again, and thanks. I think the letter was something along the lines of they would 'apply to send bailiffs to seize assets'. They sent me a form to fill in listing assets and their value, and personal assets also. I didn't return it because I'm sure only a court can ask for that info. I know that it needs to go to court first, but I have no experience as to whether business loans are handled differently to personal loans in a court. I have no way of raising any more money than what I've told them - family are already rallying around to help with baby costs, and offering to work a few free hours here and there, I don't feel like I can ask for more! I already pay a lot of cheeky payments through my personal account because I don't get charged for them. I think I feel better that you have said they shouldn't be able to seize tools, and that the court process is exactly what I thought it was. If it is a long way off, I should be back to work after maternity leave, I can then cut down on staff wages and get back on top! Trade is on the up so I am hopeful. Thank you so much for your response.
  2. Hi guys, Trying to keep it short - sole trader, trading for three years. We are just making enough to live on at the moment, but we are expanding and I have confidence for the future that we are viable. I had a loan from Natwest for £4800. At the time I was offered longer payment terms but declined because I could afford the payments at that time. Loan now down to £2800, but after that horrible winter we all had (50% trade for a month), then a surprise bill from HMRC requiring immediate payment, plus the run of bank holidays that took about 40% of trade for two weeks, we haven't made enough to pay off anything towards the loan for 6 months now. We pay all suppliers cash on delivery and staff in cash to keep bank charges down, so not a lot goes through the account, just enough to cover DDs. I spoke to my business manager who said that there needed to be a lot more money going through the account for three months before I could be offered any help! One phone operator said I could reduce my payments to £100 per month for a short time, but the paperwork never arrived to sort this out. I wrote to them two weeks ago offering £50 each month (I have made the first payment of this) for six months then normal payments after that, and in response I have received a default notice demanding £900 arrears by the 28th June, and if this is not paid they will demand full payment. They have threatened to take my equipment which is worth less than £1000 total, but that would close my business down completely. Any advice please? I'm 33 weeks pregnant with our first, and employ my best friend, mother and sister! This is getting quite stressful :S
  3. Thank you for replying, I've been in to branch today and stamped my feet until they sorted it out - I had paid some cash into the machine - the next users' cheque had been deposited with my details! Teething problems with the new paying in machines, apparently. So they've been waiting for this cheque to clear! If I hadn't said anything, the error would have been found eventually, meanwhile someone was £750 worse off. I'm glad our well earned pennies are in such safe hands. Clearly they deserve those salaries.
  4. I'm thinking this is in the wrong forum...
  5. This is a strange one. A cheque for £750 has been paid into my personal account, at my branch. I wasn't expecting it. I certainly never paid it in myself. As far as I know only my husband has access to my bank details, and it definitely wasn't him. I rang telephone banking, who confirmed that it was a cheque but couldn't tell me anything else. The branch can't tell me who paid it in. But surely the money is transfered from someone's bank account?! I've been advised to wait and see if I hear anything from the bank, if a query is raised. Surely someone somewhere is panicking that they've paid a cheque into their account, and it's disappeared? Any advice?
  6. I had the same letter over a month ago. Then another a week later. Then nothing. I've searched this forum for his name a LOT. No one has been taken to court by him so far, as far as I've read!
  7. just to update anyone else having problems with townville, we haven't heard a peep from them in a month now...
  8. Ah good idea, thanks for that! I'd rather do that before accepting defeat!
  9. Everything else seems right with regards to advice on here - APR, credit limit, repayment info, signature box and right to cancel are all there.
  10. Hi thanks, but my scanner doesn't work and I haven't a digital camera! And yes postggj, that's right, I think RBS and Natwest are related?
  11. I've got a Mint credit card from November 2006. I got the huff after sending I & E details to Mint and making an offer to pay which was ignored and passed on to Triton, I CCA'd Triton over Christmas who passed it across the office back to Mint. The agreement they've sent appears to be enforcable, and if it is, I will make an offer to pay, fair doooos like... The agreement is over three pages numbered '1 of 3' etc, which includes the cover letter. I've spent the last hour searching on here and the best I can come up with is: The signature from Mint is illegible, and there is no name printed. It is on the cover letter which is titled 'summary of your application' and is a stamped box over the text 'Received for and on behalf of the issuer 2/11/2006.' Pages 2 and 3 constitute the agreement, this is where the header 'credit card agreement regulated by the consumer credit act 1974' appears. The agreement does not refer to any terms and conditions, they were supplied in a seperate 'general conditions' leaflet. The cover letter however does refer to this leaflet. Any ideas? I think they've got me..bah!
  12. I'm sending the following to NPower & CSL. I'll let you all know what reaction I get...not holding out too much hope but it's worth a try. Dear Mr/Mrs Barry, Npower Reference No: CSL Reference No: With reference to your letter dated 11th February 2010. Please stop leaving text messages on my answer machine. I am only willing to deal with this by letter, as it is my legal right to request, and you will be breaking the law if this continues after such a request is made. I have contacted NPower regarding a complaint and will deal with this issue directly with them. Thank you. Dear Sirs Account no: With reference to your recent contact, and passing the account to CSL. At Christmas I slipped behind with my payment arrangement. As far as I was aware I was only two payments behind and so was surprised to receive a reminder for £240 - three payments. However I cannot find my receipts and so was prepared to pay in full up to date. I did this within three days of receiving the reminder, and yet a week later received your letter saying that my payment plan was cancelled. I hope you understand I am upset about this, as it took such a long time to set up the arrangement in the first place because we had to pay half of our bill before we could do so, and by the time we got half together we owed a lot more, and so had to pay more. Also there was more drama when a £400 payment went astray, and I was accused of lying by your telephone advisors (the payment was found). It is for this reason that I am no longer willing to make such an arrangement again, I see no point in calling and speaking to your unhelpful advisors. I would prefer to pay the bill as soon as I can, and then deal with the next quarterly bill when it comes. By making a payment plan including current usage, it does not feel as though it gets us any further forward. As it now stands, you can see I have been making payments via internet and so I hope I have made it clear that I am willing to pay. I have no desire to owe NPower any more money, and we have shivered our way through winter because of the ridiculously high gas prices, just so the next bill will not be so high. It was not necessary to send the account to a collections agency who have actually convinced me to change suppliers because of the way you have let them handle this. It is embarrassing to come home to a three silly text messages on the answerphone each day. As soon as our bills are caught up with we will be changing suppliers. In the meantime please be aware that I have made it clear that I will be making regular weekly payments online to clear ALL of this debt, including the next bill, as soon as possible. Yours sincerely
  13. I've done my bit and posted on a couple of mobile numbers I had for Arc. I'm working through my phone now to see if I've got any others. This is an excellent idea. It's surprising how many people are posting on there who don't realise help is at hand!
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