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)


Page 3 of 4 FirstFirst 1 2 3 4 LastLast
Results 41 to 60 of 67
  1. #41

    Default Re: Instant Cash Loans / BW Legal

    I got a pay day loanicon with Moneyshop in 2016, they have never marked me with a default just missed payments.

    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

    Follows
    1
    Following
    0

  2. #42

    Default Re: Instant Cash Loans / BW Legal

    Quote Originally Posted by dx100uk View Post
    I got a pay day loanicon with Moneyshop in 2016, they have never marked me with a default just missed payments.
    Did you default though DX? Or did you manage to catch up arrears and allow them to mark it as settled?
    BTW if you didnt and it went into default - Did you get the notice of assignment from the Almighty BW Legal?


  3. #43
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Feb 2018

    Posts
    109

    Default

    Quote Originally Posted by dx100uk View Post
    I got a pay day loanicon with Moneyshop in 2016, they have never marked me with a default just missed payments.
    Yes thatís what theyíve done with me. So realistically the best thing I can do here is just pay the whole debt off rather than offering settlements if I want it to look good?


  4. #44

    Default Re: Instant Cash Loans / BW Legal

    Would you mind posting up screenshots of the account from all 3 CRAs?
    Id be interested to see if it reflects across all 3


  5. #45
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Feb 2018

    Posts
    109

    Default Re: Instant Cash Loans / BW Legal

    Please see attached

    Attached Images Attached Images

  6. #46
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Feb 2018

    Posts
    109

    Default Re: Instant Cash Loans / BW Legal

    just looked at their statement they have sent me

    loan was taken out 11/07/2016 and they carried on applying interest until 28/11/2016 is that right?


  7. #47

    Default Re: Instant Cash Loans / BW Legal

    paying it will not remove the late payment status

    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

    Follows
    1
    Following
    0

  8. #48
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Feb 2018

    Posts
    109

    Default Re: Instant Cash Loans / BW Legal

    can you expand a bit rather than these few word sentences if thats ok? because im confused what you are telling me to do.

    Are you saying i should just never pay it and let it sit on my credit file forever?


  9. #49

    Default Re: Instant Cash Loans / BW Legal

    no im stating that even if you pay it, it will not remove the late payment status in the debt summary.

    dx

    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

    Follows
    1
    Following
    0

  10. #50
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Feb 2018

    Posts
    109

    Default Re: Instant Cash Loans / BW Legal

    rightttt

    Gosh this is hard. what would be your advice to do with the debt then?


  11. #51

    Default Re: Instant Cash Loans / BW Legal

    pes id sit on your hands
    await the IRL outcome

    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

    Follows
    1
    Following
    0

  12. #52
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Feb 2018

    Posts
    109

    Default Re: Instant Cash Loans / BW Legal

    fosicon adjusicator didnt agree with me and rejected it


  13. #53

    Default Re: Instant Cash Loans / BW Legal

    then go to the Ombudsmanicon himself.

    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

    Follows
    1
    Following
    0

  14. #54
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Feb 2018

    Posts
    109

    Default Re: Instant Cash Loans / BW Legal

    i have, but i just feel hes gonna agree, every one of these ive done has been rejected at adjudicator level anyway. dont feel like im getting anywhere.

    right lets assume Ombudsmanicon agrees with adjudicator - what do i do?


  15. #55

    Default Re: Instant Cash Loans / BW Legal

    IMHO theres nothing you can do
    paying it will not remove the status

    that's a true reflection of how you operated the account.

    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

    Follows
    1
    Following
    0

  16. #56
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Feb 2018

    Posts
    109

    Default

    Quote Originally Posted by dx100uk View Post
    IMHO theres nothing you can do
    paying it will not remove the status

    that's a true reflection of how you operated the account.
    Right sorry Iím just clarifying what you are saying cus it doesnít really make sense to me. Youíre advising never pay it off and just leave it on my credit report for eternity?


  17. #57

    Default Re: Instant Cash Loans / BW Legal

    It will disappear 6 tears from the Date of Default - But if there is no date of default well... Time to make a formal complaint to TMS...
    Not about affordability but about not being defaulted...


  18. #58

    Default Re: Instant Cash Loans / BW Legal

    under what rules?

    theres no compulsion nor any guidelines now from the ICOicon that say such.
    the old guidelines did but they were updated.

    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

    Follows
    1
    Following
    0

  19. #59

    Default Re: Instant Cash Loans / BW Legal

    Question is whether a default notice was served.. If so it should have been defaulted...


  20. #60
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Feb 2018

    Posts
    109

    Default Re: Instant Cash Loans / BW Legal

    Iíve never had a default notice from the moneyshop. The account say itís defaulted on their statement they sent me though. Not defaulted anywhere on cars just late payment markers.

    I donít know what to do Iím getting conflicting advice here


Page 3 of 4 FirstFirst 1 2 3 4 LastLast

Tags for this Thread


Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details