Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


Results 1 to 4 of 4
  1. #1

    Default Lombard shoosmiths

    I need some advice please. In 2006 I transferred an 104k asset loan from Barclays to Lombard,


    I've continued to pay this debt every month, even through the harsh times.


    However about a year ago I maintained payments but reduced from 1300 per month to 750 per month,
    Lombard without notice bar a letter sent my account to Shoosmiths to force the final part of the debt circa 18k...

    I now have 6500 left.
    I have made an offer of 3.5k in Full and finalicon ( a family member would settle)
    they wrote back saying they would accept 4k as partial settlement and no further monies will be chased.

    However my credit file which means a great deal to me, I have struggled since 2098 but maintained a tight communication and avoided negative impact on my credit file.

    I have debated the partial settlement on my credit file as this can be deemed gesture and impact me for a further six years.
    How can I make an offer in full and final settlement, shoosmiths accept this settlement but screw me over by marking the credit file as partia settled.
    I realise that Lombard/shoosmiths are posting fact, but full and final indicates just that...

    It makes no sense for me to pay 4k full and final, when I should perhaps drag this out longer and settle in full.

    Any thoughts? Thank you


  2. #2

    Default Re: Lombard shoosmiths

    so why are they offering a short settlement?


    ever sent them a CCA Requesticon


    ever sent them an SARicon to get all the statements?


    could be PPIicon/Penalties here up for grabs

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  3. #3

    Default

    Years back I'm sure I paid capital/ interest then a few days later a 26.00 fee would leave my account. I questioned last year about PPIicon but they said it never applied to my account.
    Perhaps I serve a DSAR on them to understand the smaller amount.

    I am willing to pay the 4k but only as a Full and finalicon settlement. I can't allow them to place partial settled as this will effect my future business opportunities as I'm personally checked for sine if my commercial lending.
    Thanks

    Leeby


    Quote Originally Posted by dx100uk View Post
    so why are they offering a short settlement?


    ever sent them a CCA Requesticon


    ever sent them an SARicon to get all the statements?


    could be PPI/Penalties here up for grabs



  4. #4

    Default Re: Lombard shoosmiths

    no point speculating


    get the CCA and SARicon's off

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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    1
    Following
    0


Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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