This topic was closed on 09 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

Thanks Crocdoc. I am sticking to my guns, wanted some help from the guys on here rather than going to CAB but thanks anyway, youve put my mind at ease to a certain degree. The attachment to earnings.... are they only allowed to take a cetain percentage or what you owe them?

Dear All. I have 2 payday loans that i defaulted on, i.e cancelled card to stop them taking payday money and was looking to settle at so much per month with whoever they passed the debt to. However the 2 payday loans that i have had have been passed on to meritforce and after they contacted me i offered via email to set up between 25-35 per month for each debt totalling either 50-70 in total per month paid by myself to help clear the debt. But Meritforce insist that they cannot accept monthly payments because the agreement was a payday loan that consists of just 1 payment, however though at a push they could accept a payment plan over 3 months??????. They have threatened to take the debt to court and mentioned some things like sending an agent round in the next 10 days and possibly an attachment to earnings via the court. I have always offered to settle the debt, but via what i think are reasonable payment plans, please could you advise me. http://www.bet-england-to-win-world-cup.co.uk

Hi Everyone. I currently have 3 payday loans all due on the 25th of this month. I want to know the step by step guide on how to contact them so i can change the loan from full payment on the 25th to a lower payment of say 50 to each company per month. I owe 519 - ptillpyday 375 - quickquid 450 - payday uk Please could someone explain how i can go about contacting them regarding changing these from full payment on payday to 50 pound per month each please Best Wishes I'm not to sure about the abreviations that people are using, so please make things simple for me please) SB

Please Help. I do not have all the facts but..... Someone i know bought a car, bearing in mind i'm writing this and do not drive. After a few years of owning the car (at least 3 years) the DVLA have contacted them saying they want the number plates back claiming that they are not the rightfull owners of that plate. I do believe that they are either claiming that there are 2 sets of that plate out there or that they have sold that plate to someone else and are demanding their plate back. Could someone please advise as to their rights. They did buy the car with these plates so therefore are they the owners regardless of anything?

Thanks for your help

I am sure of it because i got a letter from Capone that they had passed on my debt to debt collection agency. I meant regarding them coming after me was because i had a limit at one point of 200 and did not pay a couple of minimum payment letters and the amount oweing on the accounts didnt seem to go up a great deal. I had one letter after a number of missed payments asking for about 280 quid for the month which i think was beause id been over my limit of 200 for about 2 months and not paid the last 2 months either. Would they come for that because that is something i never paid and i know it wasn't added onto the account total. Im not too up on credit cards and made a right mess of it

Hi There. I had a capital one account about 2 years ago before it was closed by them for constant late or unpaid payments/minimum payments. I got in a right mess with it and the monthly minimum payments were not paid and i just buried my head in the sand. The phone calls kept coming and i stupidly ignored them until finally the debt was passed on to a debt collection agency. I owed about 500ish after borrowing only 250 originally andi paid the debt collection agency in full. I had this account for about 3 years and im now looking to claim charges back. I have a number of questions to ask people on here though. 1) How can i find my acc number, i dont wish to phone them and my acc was at a diferent address. 2) With me not paying back months of minimum payments of interest which included late payment fines will they still look to collect the outstanding ones once i have contacted them to try and reclaim my charges/fines. Please help Thanks

Hi All.Just a quick question. I applied for a loan of 1000 pounds over 1 year payback ia my online account. I was reused but then i applied for an overdraft extension of 1000 pounds and was accepted. How and Why did they decide i could have an overdraft extension but not a loan of what equates to exactly the same amount of money?

My friend has just started seeing a girl from his local pub and she will not let him stop overnight at her house due to her being on benefits (Child Tax and Working families tax credits). I've told him that it won't affect them but im no expert, can anyone clarify how many nights he can stop a week (he does have his own place and is a tax payer) if that makes any difference. Cheers Eric

Thanks for the replies. I currently receive no benefits at all and earn approximately 13k a year before tax. Cheers Will send my LBA off as soon as possible. Cheers

Just read through the terms, etc and getting it ravalled around my neck. I have sent the letter saying i believe there charges to be unfair and possible court action. I am in process of sending them my LBA and spreadsheets with fees. However, after reading the exemption or remmission forms that you provided the link for at what stage should i be at: 1) In process of sending my L.B.A. 2) end of lba deadline applying for court date As, how i read the court terms and conditions i should be already be in an advanced stage but what if they do not accept my hardship claim and state that i have to pay the full amount, obviously i cannot be at a progressive position as i know i cannot afford the fee if they decide that i have to pay full amount. ...... BUT how am i able to be in an advanced stage when i cannot do it online because you have to pay immediately via MCOL. confused help!

Please just confirm what this says, taken from the link below: Court Fees - do you have to pay them? "Your gross annual income (your income before income tax and other money is taken away) is less than £15460 and you receive Working Tax Credit with a 'disability element' or 'severe disability element';" I currently earn about 13,500k a year does this mean that because i earn less than the amount stated above i am able to not pay the court costs. Sorry to point out the obvious but need clarification (I am single, if that makes any difference) Cheers

hi guys. Thanks for the quick response. Regarding the 'not being able to afford it' do they take the time of year, as this is what it is mainly down to and also partly bad planning on my own part.

Dear All. I have a list of charges and im waiting to send with letter before action, however, i am unable to afford the Court fees of 120 quid, any ways around this? Cheers Smbird090177

Hi All. I need to change my claim as i have included the full amount taken from me that actually included the agreed Gold Account subscription fee. Sometime ago NatwestStaffMember posted a topic on this, but unfortunately i am unable to find it. Could someone please repost the charge of the Gold Account membership and what dates it changed. Cheers

Sorry if acting a little dumb. But is this allocation questionairre or whatever Cobbetts want stalling the 28 day countdown or is that underway. Cheers

Thanks Solowka. Anybody else had similiar dealings or responses by email etc, or advice to give. Cheers

Hi All. I have read on some other threads that some people have been using email rather than sending recorded delivery and wanted to know about their response times from Natwest. I sent my original statement request by letter and then followed that up by sending my preliminary by both email and letter. The email prelim was made up of the standard letter template and also contained my annoyance and request that further charges (which was added at the end of june and also now july) to be removed or refunded. My next step is also to send them my letter before action via email as i do not have a printer and this is therefore slowing down my case against them. So therefore wondered how people were getting on who were emailing them. Also, would appreciate any advice that anyone could give me. Cheers

Hi Everyone. i am part way through letting Natwest know that i am pressing charges.....i have sent them the prelim with the charges + interest, but since then i have had furher charges added...can i add the recent charges to the current list of charges that i have sent them already, when i send my letter before action. Cheers

After a delay i have now sent my Preliminary letter yesterday (@ 12pm) and it has already been updated on the Post Office site that the letter was delivered from their East London branch today....wow that was quick Just waiting for their reply now. Cheers Shaun

Hi Mountain of Debt. Didn't really want to read through the 12 pages of this thread but did you also ask for your default notices to be removed from your credit file. Well done Shaun

Sorry to be of nuissance but I get a message saying: An A.P.I Call exited Abnormally. not sure what this means but cant open it

oops sorry im using open office

thanks for your replies. I have entered my info into the coumns... I cannot understand what i have done wrong if anything.. In the In respect of: i have added the terms that natwest have place...i.e: Charges, instead of your Unpaid DD, or something similiar. In the Amount it looks like: £30.00 etc Date Incurred: 22/02/2004....like the examples are: Therefore im stuck as the days since offence and interest apr are still showing #NAME? Cheers Shaun