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ginger whinger

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About ginger whinger

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  1. Hi Brigadier So when they put the default on and date it december 2008 am i right in saying it will drop off in december 2014 and it will be statute barred ....? also what happens if they take me to court in the meantime and apply for a charging order on my home .....can i fight it ?? if so how ?? can RW apply for a charging order or does it have to be littlewoods themselves ??
  2. Hi Brigadier2jcs the credit report states that the start date is 25/04/2003. date last delinquent 02/2014 there is no default date in it at present, it just states in arrears. updated 17/02/2014. also there have been two trace searches by CABOT and one by Robinson Way , i have not authorised these searches can i do anything about that ? any assistance please would be grateful ....
  3. Hi All I defaulted on a debt in 2007/2008. the company is LPF ( littlewoods finance which i believe was run by barclaycard). today i received a letter saying they have been reporting inaccurate information about me and that they are now issuing a formal demand on me for £6,881.43. they also state that they are going to issue a default notice dated as from december 30th 2008. looking at a copy of my credit file from last year the account is shown as default / delinquent balance £6,308. date updated 16/07/2013. yet all the sums from 2007 show £4,500 from march to decembe
  4. Hi Citizen B I wonder if you can help me. I have checked my Equifax report and it shows a default on my black horse account of 01.02.2010. I have checked my file and the first default notice was issued on 24th june 2008. I have asked Equifax to change it back to the original date and they have refused . Am I right in asking them to change it back to 24.06.2008 ???? Ginger Whinger
  5. Hi Guys n Gals Due to business failure i have a personal overdraft of £5600+ which I cannot pay off due to low wages . They do not have my phone number (strange , they know everything else) I have sent them the odd letter but they keep asking me to contact them by phone which i will not do as i have other debts and once they start phoning you they never stop , once bitten twice shy as they say . I can and have cca,d the cards and loans but can i do it to an overdraft? I have had it since about 1996 but it has obviously grown since then .? HELP Ginger Whinger
  6. Hi Guys n Gals I took out a fiat car loan (5 year h p loan ) on a fiat car in march 2007. I paid it for about 12 months and then my business went bust . I have not paid them since about april 2008. I sent the agreement to one of them firms which deal with hp agreements and they said i had a case because they had not replied to my s.a.r , i asked for the s.a.r. in july 2008 . THEY STILL HAVE NOT REPLIED, THEY EVEN SENT THE REPO MEN AROUND TO REPO THE CAR .The loan was for 5 years from march 2008. The firm dealng said they could not deal any more as the amount i could ho
  7. Hi Guys n Gals Based on what has been said in this forum how do i deal with a bank overdraft i am unable to pay due to reduced wages and other credit card and hire purchase loans .?(due to business failure ) Can i send them all the letter asking for debt validation , i sent one recently to crapital one and they wrote bank saying it only applies under american law and not british law.? I am dealing with most of the credit card by way of cca's but the hire purchase and especially the large overdraft and credit cards outside the april 2007 deadline are killing me any ideas anyone
  8. Hi All I have been unable to pay more than £1 a month on my Halifax Credit card which now due to charges has a balance of £8700 +. The £1 was an arrangement , they have now sent me a letter from Blair,Oliver and Scott threatening door to door agents to call on me and court action and then if i do not pay a charging order. I have been told the agreement is enforceable as it was only signed in novemberish 2008. Anyone Help ? Ginger Whinger
  9. I have received a letter from a debt collector called blair , oliver and scott. they have been given my details by halifax with whom i have a credit card debt of £8700 which I cannot pay . I have been paying £1 per month and for the last 2 months i have been paying £10 per month . They now want FULL PAYMENT OR COURT ACTION TO GET A CCJ AND IF I DONT NOT PAY THE CCJ THEY WILL PUT A CHARGING ORDER ON MY PROPERTY ? ANY IDEAS ? Halifax have not sent me any letters re this debt collector. As far as i was aware i had an agreement . Unfortunately I also have a mor
  10. Hi All I have an Abbey bank account which has an overdraft of £5600. Due to being unemployed for quite some time I have had to review my financial situation and make cutbacks. I have now put all my business personal and otherwise through another bank . I am now faced with an overdraft of £5600 i cannot pay because the new job I have pays a lot less than my last one in 2006. They informed me at the beginning of this month that they were going to reduce my overdraft from £5600 to £3600 at the end of this month without any consultation .I have not informed them of what I am d
  11. Hi all I have a capital one credit card . I have sent a cca request and they have not sent me a copy of the cca only a photocopy of my other accounts application form (front page only ).they also sent me a copy of what I beleive is their current T & C . Do I now ask for S.A.R or go for the jugular and inform them that as they cannot supply a copy of my original cca the agreement is not enforceable and tell them to go forth and multiply , or do I ask them again for a copy of my cca. help please . ginger whinger
  12. Hi guys n gals I have sent a CCA to capital one and they have sent me a copy of my original application dated 2003 . They also sent a letter with the CURRENT T & C'S printed on the back of the letter. They also sent a print out of my usage . They have been ringing me every day from 8am to 9pm for weeks , I have told my family to tell them I am not in as I have written to them several times asking for all dealings to be in writing , I have also had arguments on the phone requesting that they ONLY deal by writing. I got so fed up with all this that I started asking the
  13. Hi All I have a car with fiat on fiat finance .due to being unemployed earlier in the year i have missed monthly payments since may . I am now back in employments and made an offer to them which they refused to take up. The agreement was for 5 years from april 2007 . I have missed approx 5 payments . They have sent me a default notice. On friday 05/09/08 I came home to find a letter from a recovery firm wanting me to phone them . i have not yet. I have put my fiat loan details through a firm who said they would check to see if the agreement was ok or not some weeks ago .
  14. Hi guys n gals I have requested CCA's from credit card companies and all I have received from most of them is an unreadable photocopy (the magnification is too small) mostly of the bit of my original application which has my signature and states that it is a consumer credit agreement under the 1974 act, some also supplies wads of terms and conditions . Is that small bit where my signature goes a CCA ? Ginger Whinger
  15. Hi Guy's n Gals I have approx £45000 credit card debt,£5000 catalouge debts and approx £22000 hire purchase debt . I have sent for CCA's. I am now receiving defaults.Debts accrued through job loss due to disability/illness. I would like to know what to look for in the CCA,s assuming they are sent to me= what do I challenge=what do I claim=what letters do I send=when do I send them(in which order).etc I am due to start a new 12mth contract job shortly - not enough to pay the debts but better than nothing --If I have to take time off to attend court I will probably be sack
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