Thank you bigegg, i really appreciate your help...

in this case, i will send an SAR request by Monday as well as CCA. And i will take your advice on doorstep caller.

I am saying"i will" but literally, i will only send emails to my bro so he can print them out and send them away, recorded.

One other thing; do i put DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY, OR ANY COMPANY YOU CLAIM TO REPRESENT on both SAR and CCA?

Many Thanks...

However i am not sure... Should i send SAR and CCA as well as an offer of payment?

Does SAR cover the CCA too?

Since the agreement was signed before 2007, is there a possibility it might be unenforcable?

Also; my brother just told me that they sent someone to his house regarding the debt! Unbelieveable!

Many Thanks...

I have also found an SAR letter thanks to Martin3030...

Please note that I require disclosure of any

No;

When he changed his agreement to the second one, he still had the same car. Paying £234 was too much for him so he agreed for another contract with a reduced monthly payment of £162.

So, both agreements are for the same car. (when i mean both, he doesnt have 2 aggrements, only one... But it was like upgrade, started from beginning withthe second one!) He had the car all that time than had an accident and got rid of the car and he was paid by the insurance company as the accident was other party's fault. With that money, he bought another car (cash payment)

Now, his agreement with Welcome is still carying on but he cant afford it and he is not scared of them possessing his car since the one he is driving now is not secured on the loan.

If SAR is neccesary, could i please have a template? Also, does SAR also include CCA? Or do i have to send seperate letter for CCA with £1 postal order?

HERE is a tamplate letter for making an offer. Could you please tell me if that looks and sounds ok? Also, should i send the offer letter first or the SAR first?

Thanks...

Dear Sir/Madam,

I am currently in financial difficulties due to periods of unemployment, and in a serious effort to get finances under control.

After payment of priority household bills and day-to-day living expenses, I have £80 per month with which to make repayments to all my creditors.

On a pro-rata basis, I am therefore able to pay you a regular amount of £50 per month on the condition that you agree to freeze interest and other charges on my account, to give me a realistic chance of reducing this debt. This is the most I can offer in my present circumstances.

In anticipation of your acceptance, I enclose a cheque (number xxxxxx) in respect of the first instalment, of which shall be taken as acceptance of my offer.

I would be grateful if you would also confirm this in writing.

For the avoidance of doubt, the enclosed cheque no XXXXX should only be banked if you are accepting my proposal and in all other circumstances it should be returned to me without being banked.

I shall of course contact you immediately if my circumstances change to arrange a modified payment based on the changing circumstances.

Yours faithfully"

Hi guys;

i have been in touch with Purple Payday (also known as PaydayUK / MemCapital) through email and making them offer to clear my balance.

The debt goes back to October last year. I had trouble keeping up with the payment and now i am trying to get back on track.

I woe them £275. And i offered them £25 every month till January and £200 in January and they have accepted it. However, thay are asking for my details AND most importantly, the email says my credit file will be affected if the balance is not cleared by the end of this month!!!

Can anyone please help me what to do next? How can i avoid them placing anything on my files! Is there a letter template i can send off?

Many Thanks...

Here is the full email i have receieved from them:

Dear iceboy,

Thank you for your email.

We can accept your payment plan of:

£25 October.

£25 November

£25 December

And then the full balance remaining in January.

Please confirm the dates these payments can be taken and please also confirm your debit card details for us to set up and take payments.

Bank Name

Debit Card Type

Name as it appears on the card

Long Card number

3 Digit Security Number

Start Date (if applicable)

Expiry Date

Issue Number (if applicable)

Please be aware your credit file will be adversely affected if you do not repay your loan by the end of the month.

Your credit history will be further affected if this situation does not change, but if you contact us urgently we could prevent further damage to your credit file.

Regards,

xxx

Debt Recoveries

Keyes Whitlock & Company

Hello guys;

Thank you for your respond. To clarify some things, the car that was in an accident was ridden off and sold by the garage, my brother had a satlement figure from the insurance and bought a new car with that money. So, he didnt sold it himself...

Bigegg, here is the respond from my brother to your questions:

yes it was a hire purchase agreement.

I have looked around but I cant seem to find the original agreement.However if you really need it i can look further and scan it over to you. I have the statements from it so here are the details I have:

First agreement was started on 29 Dec 2006 with a monthly charge of 234.85 with 10% interest. The amount of credit provided was 11272.80. The agreement was for 4 years with a minimum duration of 48 months.Looks like I have paid 1498.20 for this period.

Second agremeent started on 19 July as I said that it was too much for me to pay.so they started a new agreement. On this contract, amount of credit provided was 9774.60 (so 11272.80 - 9774.60 = 1409.20 paid on the first part of the agreement). Interest rate on the second agreement was 7%, minimum duration of agreement 60 months. and montly charge of 162.91 (so 162.91 x 60 = 9774.60)

And from the last notice they sent me it looks like I have paid 5540.20 to this date. and outstanding amount is 4277.10 with extra late payment charges etc. but i dunno if this includes the interest.

This is all i got from him for now.

Could anyone please tell me what steps to take next. I rreally appraciate all your helps.

Many Thanks...

Hi guys;

I would really appreciate if you could help me on this matter! My brother bought a car with Welcome Finance. His monthly payment figure is £160~

His account balance as of today is £4240 and he currently is in arrears for £650~

However, him being a student, is unable to pay the amount owed! All he can affor is £50!

Does anyone have any idea what should he be doing?

The thing is, he doesnt have the car anymore! He had an accident and the car was sold and he tookthe money to buy another car (paid cash) but carried on paying for the finance up until 4 months ago!

He still wants to pay the debt, however, he doesn not own the car anymore. Is he still in risk of his car being possessed?

What steps does he need to take to avoid any bailifs or defaults on his credit reference files?

Many Thanks...

Could anyone help me with writing a letter asking for a conditional aggrement i have stated in my previous post above?

Many Thanks...

Hi;

I have sent Safeloans an offer using their email address. Today i recieved a respond through email. They also sent a text message to my mobile!

I am including them both here! Can anyone suggest me what to do?

DCA will add charges or they will buy the debt with charges already added! I offered safeloans that i could pay the initial deposit and one month interest (which is what i owed originaly!) Now if it is transfered to DCA, it means it will cost more and more likely DCA will place a default on my account!

By the way, i have never received such letter from any DCA until today!

Here is the email and the text i have received.

EMAIL:

Hi Mr. iceboy,

Your account has now been passed to ACT Debt management.

Please contact ACT on : 0203 1500 150

With kind regards,

Safeloans Ltd T/A Paydayok

Text Message

Mr iceboy;

as you failed to discharge the debt which you owe to our client, Safeloans Ltd, your file is being transferred to our Legal Department. Legal proceedings will be instigated against you and secured by County Court Judgement (CCJ). This may be enforced by an Attachment to your earnings, or by Bailiffs. You must telephone ACT Credit Management Ltd IMMEDIATELY to avoid legal action on 020 31500 150, quoting reference: xxxxxxx

Any ideas what i should be doing?

Many Thanks

Quick Quid never placed a default on my credit file nor send me any letters stating they were going to transfer my debt to DCA!

I am in no state of paying the debt in full UNTIL January! I can pay it in full in January, however, i am scared they might place a CCJ on my credit files till than!

Could anyone help me writing a letter asking for default removal on a conditional aggrement?

For example, i can pay it in full in January, only if they remove it... Or i wil lnever pay it since they trashed my files already (as babybear said)

I wont be paying a penny unless they remove the default... Any suggestions?

PS. Sorry if i m being a headache, but i tried so hard clearing me credit files and now this came in! That means another 6 years of no credit! I seriously cannot go through with this!

I really do appreciate everyone's help... Many Thanks...

I was told CCA would make no difference as payday companies doesnt work that way! Was told that the online agreement you sign at the time is the true agreement...

Is that true?

Sillygitl, what do you mean by unenforceable debt? Is Quick Quid unenforceable? Does that mean, they cant place default on CRA because they dont have true signed CCA but an online application?

Does Mackenzie NOT NEED an agreement with me to share my data with CRAs? Surly, my agreement wasnt with them and i have not given them any permission to share my data! So how do they share it without my permission? Isnt that illegal?

Is there a way i can stop them from doing so and ask them to remove it??

Thank you...

Can they still register a Default even if they dont have the original CCA? I have not made any agreement with Mackenzie, my original agreement was with Quick Quid!

And i HAVE NOT received any DEFAULT letter! Does that still mean they can issue default?

Arent they supposed to send me a default letter before placing default on my credit file? Since i havent received the such letter, am i not allowed to ask them to remove it? This has happened to many others before! Why does it not apply to this case? I am confused!

You are a STAR BB... I am sending this out today right away... You cant even guess how helpful that was for me! I will keep you updated with responses i get from CRA and Littlewoods in the coming week...

Man many thanks...

Thank you HB, i sent the CCA to provident.

How bout the DEFAULT on my both credit reports with Equifax and Credit Expert?

How can i go about removing those defaults! They are both from Mackenzie!

I really need help removing those defaults!

Thanks...

Im sorry guys but i figured out theres more into this story and wanted to keep you updated!

I took out a payday loan from Quick Quid for £300

Didnt pay the loan and now the debt is £459

Mackenzie Hall took over the debt and placed a DEFAULT on my credit file!

And NOW, Mackenzie transferred my file to Provident Finance which is chasing me!

I dont know what to do! I am so confused! Do i chase Quick Quid, Mackenzie or Provident Finance! Can provident finance place a default on my credit files as well?

Please help me out! I dont know what route to take and what to do!

Many Thanks..

Thank you BB, i am on it... I will send the template letter to CRA and email Littlewoods first thing in the morning.

Thanks a billion dozen for your help BB. I will type the letter and post it here before sending it in post!

Can anyone help me on this matter?

What should i be doing to remove this default from my credit files?

I cant pay the amount in full! I can only offer them £50 monthly payments and thats only if they take the chargess off!

What should i do? Is there any template letter i can work around with?

I am in need of desperate help! Please help!

Many Thanks...

I am real terrible at writing letters! I just cannot seem to get around it! Its been such time and i still havent contacted any of them!

Could anyone write me a template letter which i can send off to both CRA and DCA please?

I realy appreciate it...

I dont now what i could say! Only reason i bought this product with backdated software on it is, because i was told the update was coming out in September if not any sooner!

There is quite a lot of problems with the phone and the low call quality is the main problem! And why else would i spend £400 on a backdated product! When the £200 ones already coming out with the newest software!

Surly, there must be something we can do about it. And i am 100% sure there are thousands of others would like to do the same with me as the all complain all over the net!

Thank you HS... I understand the contract between me and the loans company is enforceable. However, does DCA also have the right to process this data? Surely, my agreement was with Payday Loans an not with Mackenzie!

I am very frustrated and confused! I understand the fact that i cannot disagree o Loan company and am willing to setup a payment plan with ONLY the PAYDAY company as long as they remove the unfair charges...

Does Mackenzie has the right to place default on my credit file?

I am sorry i may sound a bit hard headed but all i need is to get rid of the default on my credit report! And i am desperate for some help!

Thank you silverfox, I didnt know online agreements was enforceable since there is no signed contract between the consumer and the creditor therefor as a result, they cannot provide a CCA!

In that case i shall wait till next summer but sort out only the 2 other defaults placed more recently!

Thank you for the quick respond guys...

The original amount should not be any more than £200, the rest made up purely with charges and interest!

I am not in position to pay the amount in full! Not £459! I dont want to pay nothing more than what i originally owed! And even that, i can only pay in installments.

I have been on a sick leave since late July and i will not be able to go back to work for at least another month! I've been getting my wages as normal but from yesterday onwards all i will be getting is going to be SSP till i recover!

Why would CCA route not work? I mean surely the DCA doesnt have an agreement with me! My OC is the payday loan company! Does Mackenzie Hall have the permission to process and share my data with no signed agreement?

I DO NOT think i even have signed agreement even with the payday loan company (either QuickQuick, PaydayExpress or Wonga)

What steps should i take now? I need that default removed and will do whatever is necessary! Also; i have not received any Default Notice!..

Thank you all for your helpful responds...

I am not sure if it has anything to do with the payday loan i took out last year as it has no information on my report where it is from nor any reference numbers!

The default is for £459 started 3/6/09 and defaulted on 22/09/2009 within 3 months of it starting?!!!! Don't they have 6 months time limit before they can place a default?

I am sure i have not received any Default Notice from them! What should i do?

I was so happy to almost sort my credit score within the next year and now this came up! What should i do now?

I am not sure who they bought the debt from as i took out a few payday loans last year!

Do i go the CCA route together with default removal? If so, could anyone provide me with a template letter?

Many Thanks! I'm just gonna go and bump by head on the wall till i pass out now!...