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Everything posted by santamonica

  1. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. One last thing, is it worth trying to get the charges on the balances refunded because I know 1 of them took the card over the credit limit before they defaulted her and has charges totalling nearly £350?
  5. They were, she's only had them for 2/3 years. I'll talk to her and I'll take over dealing with everything for her. Thanks for your advice, I know where to start now.
  6. Thanks for the reply. I know her credit rating is shot but would it not look a tiny bit better if they were shown as part paid? The 2 that have defaulted are already with debt collection agencies so I wouldn't be going to the original company with an offer because I know they wouldn't accept it. It's not an option to get them all defaulted, it's bad enough with the letters she's getting now, I don't think she (or I) cope with anymore. I just want this sorted as quickly as possible for her.
  7. Hi, My daughter has gotten herself into financial difficulty. She currently has 4 credit cards and has defaulted on 2 of them. One has a balance of £600 that's she's managed to pay on time every month. One is £2500 which she fell behind with but I gave her the money to get it up to date before they defaulted her. The other 2 have balances of approx £3000 and £6000 and both were defaulted last year. I've said I'd help her try and sort everything out and am able to give her money to pay some of these but not the full amounts. I'm thinking of paying off the 2 up to date ones and offering a reduced settlement figure for the other 2 just to get them out of the way. She suffers quite badly from depression and the stress of all this is not helping her at all. For settlement figures what percentage is most likely to be affected by the companies? (Barclaycard & Capital One) Would they even entertain the idea? Any advice would be greatly appreciated. Thanks in advance.
  8. Hi, I (stupidly) have a Vanquis credit card. Had it for a few years and everything was fine although I am always close to my limit. I do everything online and last month the access to my account was denied for some reason. I know I wasn't over my card limit and I always watch this very closely to avoid charges. This meant I couldn't make a payment online and they didn't send me a paper statement. I've now received a paper statement for this month which shows that due to missing last months payment I am now over the limit. As a result they charged me a late payment charge and an over limit charge totalling £24 . Can I just tell them I'm not paying the charges and ask them to recalculate my interest as I assume that will be higher (albeit by not much) because of the charges? Thanks in advance for any advice.
  9. OK thanks for the advice. I was hoping because she was sacked immediately after raising a grievance this would give her some recourse. Employment laws are definitely sided towards the employer
  10. Hi, My daughter has been working for a relatively small firm for 8 months. In all this time she has felt as if she was being bullied by one of the managers. It got so bad that she raised a grievance against him. In her letter documenting this she included examples of bullying and she also got statements from other members of staff which showed she was being treated differently/unfairly. She received a letter on Tuesday saying the grievance wasn't being upheld. No surprise there, the manager doing the bullying has been there a long time and is friendly with the owner. She was advised she had 7 days to appeal the decision which she was going to do. She went to work this morning and was told 5 minutes before her finishing time that she was sacked. She has to wait on the official letter stating this but was told it was because of absences and arriving late. She was spoken to about the lateness in December and was told if it didn't improve she would be disciplined, she hasn't been late since then. Another reason given was the sending of joke emails to her co-workers but everyone in the office did this. They were all spoken to about it and nothing has been sent since. Can she just be sacked on the spot or should they have to go through a disciplinary process? Is it a case of her only working there a short period of time so they can do what they want? Any advice welcome.
  11. Thanks, that's what I'll do then. One more question. I phoned Canada Square operations about the SAR and their request for a document showing my current address. All they've done is send me another letter asking the same again. Should I write to them telling them (again) I've been at this address for 22 years? The only documents I have in my name with my address on are bank statements, everything else is in my partners name. I'm a bit wary of giving them my bank details.
  12. I'm now receiving 2 letters a week from Wescot! Should I send them a letter telling them to stop contacting me as I'm dealing with Egg direct or just totally ignore them?
  13. I sent the SAR to Egg with the £10 enclosed. I've received a letter today saying the address they have on record doesn't match my current address so they need a bill/statement showing my current address. I've lived here for the past 22 years so this can't possibly be right, there's absolutely no way the debt goes back that far. If they don't have my current address how did the debt collection agencies know to write here? Is this just a case of them stalling for time? They have said the 40 days won't start until they get this information.
  14. I'm not phoning any of them again, going to deal with everything in writing. I really need to get this sorted though. I've recently separated from my husband and before we can finalise our finances with a separation agreement we need to know whether we are going to have to pay this £3000 debt or not. For this we need something in writing so ignoring it isn't an option. I really need advice on what to do. Do I still send the SAR to Egg? Would it help to send one to Wescot/Arrow if they have bought the debt? Do I challenge the CCA they've sent me seen as it's not compliant? Or should I chance sending the Statute Barred letter and put the onus on them to prove I've paid/acknowledged the debt within the last 5 years. Between this and my marriage breakdown it's making me sick with worry, I'm already suffering from depression and really struggling just now.
  15. Thanks for your advice. We ended up in severe financial trouble about 9 years ago and went through hell trying to sort it out, I'm not going down that route again. I'll see a solicitor asap.
  16. I've recently separated from my husband. He's been advised that I can claim 50% of his pension accrued since the day we married and vice versa. We had 2 children before we married and were living together for 10 years before we actually got round to tying the knot. When the kids were young I worked on and off and mainly part time so didn't actually start a pension until 9 years ago so its pretty worthless just now. Should the 10 years prior to marriage be included in calculations when deciding what I should receive? He walked out and is refusing to contribute any further to any household bills, we rent a house so no mortgage to worry about and kids are all grown up. I wasn't planning on asking for a share of his pension but he's left me struggling to meet ends meet every month. He always earned about £600 a month more than I did and we shared all bills. I have HP on a car that I need for work but this was taken out when we needed a second family car. I was the one who took the finance while he kept the fully paid family car. Could this be counted as a debt that he should be contributing to?
  17. I'm pretty sure but not absolutely sure it is SB. This has been with a number of collection agencies and I know I was making payments to ARC debt collection agency in 2008 but can't remember for definite when the payments stopped. if I sent Wescot the SB letter would the onus be on them to prove that it isn't SB? If I send that letter should I still send a SAR to Egg?
  18. So do I write back and tell them it's not compliant and if so, is there a letter template I could use? Is it worth sending them the statute barred latter asking them to prove payments have been made after march 2010?
  19. This is the letter I received from Wescot when I asked for the CCA.
  20. Thanks again, I'll try and upload everything tomorrow. I'll send a SAR to Egg to get the default date. I'm sure it defaulted in 2006, 2 years after taking the loan out. I was convinced I had sorted all our debt problems out by 2009 so stupidly didn't keep all letters I sent/received. I don't have bank statements going back that far either. It's definitely not on my credit file, I've checked all 3 of them. Would it be worthwhile sending the statute barred letter to wescot/arrow and see if they send proof of payments made after March 2010?
  21. Thanks Stigman. Will a SAR show ALL payments made towards this regardless of which debt collection agency was dealing with it? I know I made payments in 2008, not entirely sure I made payments after that but I don't think so. If I didn't does this make it statute barred as it will have been 5 years since I acknowledged it? I live in Scotland. I've been reading other posts on received CCA requests. The one I received mentions the terms and conditions of the loan but they aren't included with what I received, it also doesn't show the right to cancel section and Egg have signed it before we did. Does any of this make any difference to whether this is enforceable or not?
  22. Thanks for the advice. I received a copy of the signed credit agreement from Wescot today. There was no PPI added on to the loan so can't make a claim for that. The letter states that Wescot are acting on behalf of Arrow Global. As this has been passed about a number of debt collection agencies over the years should I still send the SAR to Egg or should it go to Wescot or Arrow Global? They also state I have 14 days to make payment or arrange a payment plan. Should I write to them and inform them I still consider the debt to be in dispute and tell them I have sent a SAR?
  23. Hi, I had a loan with Egg way back in 2004 which was passed to Capquest in 2006 before going to various others. I received a letter today from Arrow/Wescot asking me to contact them about a personal matter. When I did I was told it was about this loan which I had completely forgotten about. They said payments were being made on this account up until November 2011 when it then defaulted. I do vaguely remember making payments to a debt agency but thought these finished way before 2011. I've asked them to send me a signed credit agreement for the loan. Am I right in thinking this loan would have been a default before it was passed to any debt agency thereby making the default in 2006? When I last checked my credit file it wasn't showing. Can the debt agency record a default and put it on my credit file? Can they still chase me for this if it did in fact default in 2006? Thanks in advance for any advice.
  24. I've received a reply from provident in response to the 2 letters. And they say, 'I feel it is important at this time to point out that Statute Barred relates to any loans whereby no acknowledgement of a loan has been made for over 6 years. After investigating the matter I can confirm that the following payments were received by Arrow Global within the last six years: Payment date: 13/07/07 - amount received £1.00 Payment date: 28/07/08 - amount received £1.00 Therefore, this loan is not statute barred and you will continue to be pursued for this. They then go on to say I can complain to the FOS if I'm not happy. Both the £1 payments were CCA requests which were ignored by Arrow Global. Should I just reply pointing out I'm in Scotland therefore statute barred applies after 5 years and also tell them these weren't payments they were requests for a CCA?
  25. Thanks, both letters have now been sent so hopefully that's the end of it.
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