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About m17837

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  1. Hi, it says 'voluntary charge' at the top of the document and nothing about increases. Original agreement was with BMW finance. Many thanks
  2. Hi Many thanks for your reply - just checked and its a simple one page doc titled 'Voluntary Charge' between me and the car manufacturer. Does that make any difference to anything? Many thanks
  3. Hi All Would really appreciate some advice on this. History is that I had a car agreement debt 10 years ago that got passed to Optima. They wanted a CCJ but as I was in financial services at the time I managed to avoid this with some sort of charging order. The paperwork was drawn up in my name only despite the mortgage and property being in joint names of myself and wife and only consisted of a one or two page document, however, their charge does appear on a land reg search. I have been paying a monthly amount for the last 10 years for an original debt of arou
  4. not sure, but got a car loan last month with no issues, so i'm wondering if that's what they have picked up on.............should I ignore them or write back saying I am waiting for the CCA request from DLC?
  5. Hi All Help appreciated on this........ ......I entered into unofficial debt management plans with approx. 15 creditors around 8 years ago, interest and charges were frozen and have been paying low payments every month ever since. Suddenly last week I received a letter from Direct Legal and Collections on one account with them, saying some new credit information had come to light and they needed to speak to me urgently. Then next day another letter relating to my other account with them arrived saying they would be applying for a ccj and then a charging order.
  6. Ok Thanks I will try and scan the default notice in later today - are Lloyds allowed to revert to the terms and conditions of their credit card after 6 yrs? Many thanks m17837
  7. Hi Thanks for your replies, default notice sent by normal post and have 7 days to rectify (which i cant as they are asking for £500+). Employer was happy to take me on as credit problems were so historic and on the understanding that it would not get any worse!
  8. Hi Any comments on this before i start arguing with Lloyds? Many thanks
  9. Hi Everyone, I would appreciate help with this plse. Originally had a Lloyds Createcard and came to a payment arrangement through a DPM 6 yrs ago at £10 pm. Account was never defaulted, however, Lloyds have now decided to revert to their existing credit card terms and conditions ie min payment of 2% and interest being added. I wrote to them to say i couldn't afford the min monthly payments and asked them to plse not default the account as i would lose my job as a financial adviser. Received letter back asking for income/outgoing analysis which i completed and returned. Then received letter b
  10. Thanks very much for your advice - i will start sending the letters, i think this is going to be a bit of a struggle due to having 17 creditors! i will keep everyone posted of my progress......................
  11. Hi Thanks for your quick reply - i have become used to the DCA'S calling every 3 months, basically they are looking for the whole debt to be settled or an increased monthly payment, however, i can't keep upping the payments indefinitely! Ref. trying to get the unlawful charges back on the credit cards (i think this will run into thousands) - by rocking the original creditors boats would i be putting myself in a vulnerable position in regards to the tactics they (and the dca's) use to get their money back? Due to my job i must try and avoid a ccj. Many thanks
  12. Hi spent a lot of today reading through various threads. My story goes back to about 8 yrs ago - my wife had a nervous breakdown and had to give up work, that effectively halved our income and we started to borrow on credit cards and loans. Eventually we couldn't afford the minimum payments and after a great deal of stress went to a DMC with a total debt of around 120k. (this was 4 yrs ago) We rec'd very bad advice including being persuaded to tale out a 20k secured loan which they promised would be paying all the creditors off in full and final settlement deals - in fact all that happene
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