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About wiosna30

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  1. When I received first text two weeks ago I called them and said that I will pay £800.00 on the 31.01.2020 and after each Month but week after come another text to pay now .
  2. Last time when I paid was October 19 because I was out of work, I had two Months gap and I will only start this Month , on the 31.01 if wont be too late
  3. I had already two text from HMRC , each Monday to pay now. I will start paying them again starting from 31 January £800.00, and after each Month on the end, I cant afford more. No letters, No left messages from them - what to expect after ? I cant sleep, I cant concentrate, I cant do anything ... I don't know what kind of procedures they have
  4. YES, I did and now I can start again paying Monthly instalments but they don't want to set up any plans. I called them yesterday, I called today in hope that maybe different person - different view, but they have their own rules.
  5. I have outstanding corporation tax of £2,900.00 from last year and now plus £6.500 a new one which should be paid before 1st January 20, total around £9,500.00. For last year I had set up plan with HMRC to pay my tax in Monthly instalments but I had some Family problems and I stopped paying them. The last letter from HMR I had in November 19 (Notice warning of legal proceeding) to call them what I did but they did not want to set up again new plan to continue paying, I only heard that they put my account to Enforcement team and they cant do anything now and I have to wait. Yesterd
  6. Hello, I had a Loan with them and after 18 Months paying them 4,230.00 ( borrowing £3.000) to close my account still I had to pay £3,111.00. They won’t tell you that they 'front load' the interest, meaning you pay all the interest only first I borrowed 3k 18 months ago, paid them 4.3k already and still owe them 3.1k? Essentially this means they are taking the interest for the final 18 months when in reality I want to settle it before then, plus they charge you interest for a period of time in the future that has not even happened yet! I attached my signed con
  7. Can they placed default knowing that I am on the process of complains??? I sent complains to NovaLoans / cash4younow on the 6th of October 2017 and asking on the same time to put my account on hold until my complains will be resolved by Novaloans Team. This means that during this time they will not ask me to make any payments and no additional charges or interest will be applied to my balance to allow them to investigate my concerns and contact me after. I had only response on the end of December 17 where after I forwarded my complains to Financial Ombudsmen Services and again I asked f
  8. YES, I did, I was complying to FOS but not this situation as I received email today that they cancelling my plan
  9. I sent Formal Complaint Regarding Irresponsible Lending due to so many loans and big debt and finally we agreed to repayment plans I had this email on the 27.04.2018 "Thank you for your recent email. After reviewing all the information you have provided we are able to offer you a repayment arrangement of £20.00 per month which will be reviewed every 6 months. All interest and charges will be frozen during the arrangement. Please be aware that non-payment on the agreed date/s may result in the agreement being cancelled and then being subject to additional interest and charg
  10. I was on repayment plan with Uncle Buck paying £20.00/ Month and always on time, anything missed (3 payments already) now I received this email We have reviewed your account and currently our recommendation will be to either instruct an external debt collection agency to collect your outstanding debt or pass your details to an external litigation company who may instigate legal proceedings in the form of a County Court Judgement, Third Party Debt Order, Attachment of Earnings or Bailiff Enforcement. You will receive further communication about the course of action we intend to
  11. On my first call after sending them letter and asking for help to lower my Monthly repayments I went with someone from Santander across over all my expenses, loans, bills etc and only affordable amount was on that time £20.00/ Month. Knowing from beginning that they will place defaults I will organise my expenses/ plans maybe differently but I was told that any defaults won’t be placed, because I am paying what has been agreed, I don’t have this in writing as always they sent only letters to contact them over the phone, but for all that time from October I was not chased
  12. I am afraid I dont have it
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