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tianasamour

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  1. I FIRST SENT THIS TO REDCASTLE BACK IN July. Dear Sir/Madam template removed - dx A few days later they said Dear , Thank you for your email the contents of which have been duly noted. We have raised a query on your behalf with our client, QuickQuid, in order to obtain the documentation you have requested. Your account has been placed on hold and once we have a response we will be in contact to discuss this further with you. Should you wish to discuss this further, please do not hesitate to contact us by e-mail, or by telephone on: 0344 894 1952. Kind Regards and then nothing until this letter. And now i am thinking of sending this: Good Afternoon Thank you for your communication by text message, I downloaded the letter, a copy of which is attached. My understanding of this letter is that you do not require me to pay you back but the debt is still owed? Since my initiating contact with you was all about repairing damage to my credit file, I need to see what can be done to remove this altogether. I am currently in communication with the financial Ombudsman Service and Quick Quid as I had numerous loans with them that were unaffordable. I am awaiting confirmation from QQ as to their position and then if i am unsatisfied will return to the ombudsman with my complaint. whilst I appreciate the loan being written off my primary concern is my credit file. I am looking for work in the Financial Service Idustry and this is causing a problem. If (and i believe they will) QQ / Ombudsman deem the loans unaffordable all records would be removed from my credit file. How would this happen if the current entry is from you, but relating to that debt? Could I offer a payment of 20% to close the account and get immediate removal? what do you think and thanks for your help.
  2. Contacted FOS who said to wait until I receive a response from QQ Due 13/01/16. Called FCA who said there is no rule prohibiting DCA'S from writing off the debt and leaving it on my credit file. I have called Red Castle twice requesting an explanation as to why they wrote off the Loan. No response. I am applying for a position in the bank, they will credit search me and this is the only unpaid default and the only one since 2012. The deadline for the application is 4th Jan 2016. I am thinking, should i offer to pay like £200 for the complete removal from my credit file? I figure since they are willing to just write it off they might remove it for financial gain? What do you think?
  3. Thanks, I thought something seemed rather fishy about this situation. Apparently I have to wait until 8 weeks after my complaint to contact the FOS about QQ, but I most certainly will contact them about this letter. I have never heard of a DCA telling someone not to pay but the debt still exists? How is that possible?
  4. Hi dx100uk This is what I am thinking, but I am concerned that since QQ removed their default and RedCastle put theirs up, they might not honour QQ's ruling if it is in my favour. If I receive my interest back and pay RedCastle, how can i ensure they will remove the entry? Also as QQ no longer own the debt, what will happen if QQ agrees to irresponsible lending? will the interest be taken off the loan even though it is no longer with them?
  5. Hi I have been on this debt journey for a while now. I got sucked into the cycle of payday loans, all of which I paid off until it got too much and I defaulted with QQ at just under £1000 This was then sold to RedCastle. I emailed Redcastle in October Asking them to provide information on the debt as there were two separate entries for the same amount with different default dates on my credit file. One from Redcastle and the original one with QQ. I Sent a copy of my request to QQ and they removed their entry. I have now received this letter from Redcastle Recoveries. We are writing to you in relation to your above numbered loan that you originally took out with CashEuroNet.uk-QuickQuid, and which was subsequently acquired by us. Please note that we have now taken the decision to write off the balance and close your account. What this means for you: The balance on your loan is no longer due l We will no longer contact you regarding the above numbered account l You do not need to repay the balance of the above numbered account However, please note that because you have not repaid the balance due in relation to this account, if your credit file shows a balance is outstanding it will continue to do so for a period of time no greater than six years from the date that you originally defaulted on your agreement with CashEuroNet.uk-QuickQuid. You should also be aware that this may affect your ability to gain credit with other lenders, and that should you choose to repay this balance at a later date your credit file will be updated to reflect this. If you would like to speak to one of our agents regarding this matter then please contact them via 0344 894 1930 or alternatively via email on . Now I have contacted QQ and complained about the affordability of my loan and I am waiting on their decision, I had hoped that either they would effect the writing off of my loan or they would pay me the interest on all of my loans and I could clear it as it is the last remaining unpaid debt on my credit file. I called quick quid and they said they have not made a decision on my complaint and they did not contact Redcastle. So I am wondering why would they do this? Should I just be happy they will not pursue. But the whole point is to repair my credit so at some point in the future I can try to buy a house. Any ideas as to what I should do? Thanks Tia
  6. I Emailed this to them just now and hopefully I will receive a reasonable response. Task Enforcement I am confused as to the charges I am seeing on the attached documents all from Task Enforcement and their bailiffs. On the 23rd May 2013 I was in my mothers property where I am currently lodging with her. I was upstairs dressing when I heard the letter box, I was surprised and thought I did not hear the doorbell and had missed a delivery. I opened the window (in a state of undress) and called out to the man, I asked are you a delivery? To which he replied no; at this point I had no reason to believe he was a bailiff and simply put it down to the nuisance leaflet posters that patrol the area. Later that afternoon when I went downstairs I noticed the paper with the final notice and court warrant information. I was taken aback and confused. On the 29th of May I again received a letter through the letterbox, on this occasion it was very early in the morning, I went downstairs and definitely knew there had been no attempt to knock or ring the doorbell as my mother, 3 other adults and two children stayed the night who all heard nothing. At this point I contacted Mr H who informed me that he did not legally need to ring the doorbell and that it is my problem for not paying my debt. He said that I did not come down on the first visit and therefore I showed him I was avoiding him. This is extremely unreasonable as he neither knocked on the door nor identified himself or indeed requested me to come downstairs during our exchange through the window. I then asked if I could make an arrangement to pay in installments and was told he does not do that I would have to find the money upfront or he could wait 2 weeks for full payment. After an unsatisfactory conversation I called the Task Enforcement office and spoke to R, I expressed my issue about Mr H not ringing the doorbell and therefore denying me an opportunity to discuss the situation and charging me for the visit. I also expresses my concern that all I had received in relation to this case were handwritten letters placed through the door by a bailiff and asked for a copy of the original letter that was supposedly sent to me along with a breakdown of the costs. What I have received so far is not the original letter but a letter stating that Task are satisfied I received a letter (I did not) and also a breakdown of costs that are far different to the amounts charged by the bailiff. I also find on the 23rd of may a charge for 1st visit of: £56.73 + £11.35 VAT, then on the same date a charge for Attendance of £175.00 + £35 VAT I am unsure what this attendance fee is or why it applies, and if indeed it is as I suspect a charge against him attending to remove goods how could he possibly have tried to do so without knocking on my door? I have a notice from the bailiff enforcing a £641.11 debt yet the Task Enforcement office can only account for £565.34. Somehow this doesn't seem right. As this warrant is being acted on for Transport For London I believe that they also have a duty to ensure that fair practice is being followed so I will be providing them a copy of this correspondence and would like a reasonable response from all parties. I have also copied in My Local Member of Parliament as I believe there to be error and would appreciate this matter being looked into further. Please see all documentation that I have received in relation to this case and pay close attention tho the miss matching figures.
  7. Hi there, On the 23rd of May I stepped out of the shower and heard my letter box close, I ran to my bedroom window to see if I had missed a delivery and saw a man getting into his van. I thought it was odd as I can usually hear the doorbell, (i have a small child so i shower with the door open). I opened the window and asked if I had missed a delivery and he said no and got into his vehicle. on arriving downstairs I found a Final Notice from task enforcement for a traffic for London contravention. Now I do not wish to mislead you, I parked in the wrong place and ignored the letters I received. I am not trying to wriggle out of the ticket. I had no idea it had been passed on to bailiffs and from £215.44 it had gone up to 493.52 Six days later I woke up and came downstairs and found a letter again on the floor, no knocking, no doorbell. the amount had gone up £641.11 according to the letter. I then phoned the bailiff to ask how he can claim to be recovering a debt when he doesn't even knock on my door and was told that he didn't legally need to knock, that just like a postman he was delivering his message. I then called tasks offices and asked if this was true they could not verify. I then asked for a breakdown of fees as I was supposedly sent a letter out by them which I never received. Task then sent me out a letter with breakdown of their fees. Case received 26/04/13 £202 0.00 pre - enforcement letter 26/04/2013 £11.20 2.24 1st visit 23/05/2013 £56.73 11.35 Attendance 23/05/2013 £175.00 35.00 2nd visit 29/05/2013 £59.85 11.97 totals 504.78 60.56 565.34 Now this does not tally up with what was put through my door on the two visits, 23/05 being £495.32 and 29/05 being £641.11 Also i am concerned about this large attendance charge; as I believe that to mean he attended to remove goods, how could this be the case if he did not even ring the bell. I called the office today and asked what notes where on the system with regards to the call on the 29th and they read back my complaint about him not ringing the bell, so at least they are aware there was an issue before I received their breakdown dated 30/05/13. I guess what I want to know is where do I go from here and are his actions legal? Thanks Tia
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