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elzerbeth

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About elzerbeth

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  1. Hi all Received a letter today to say that on the 10/01/2014 i was the registered keeper of car that had no insurance. Also apparently on the 13/1/2014 a fixed penalty was sent to me and a valid payment was not made . 1. I never received a penalty of them or i would ave replied to it 2. The tax had ran out on the 31/12/2013 and i was awaiting the renewal from dvla but because it was Christmas post it was late in coming my car had failed its m.o.t at the beginning on January and i simple could not afford to carry on running it. So I cancelled my car insurance and declared s
  2. Hi all im looking for some help please. i have been off work sick for 7 weeks due to deppression and panic attacks.I was considering going back this weekend as i do not earn enough to get ssp and i dont earn enough to pay national insurance so cannot get any help there work had been paying me company sivk pay but im only entitled to 5 wks which i have had i was fine with going back as my docter wanted me to have a trail period i was all set to return when i find out that the whole of my department know i was off for deppression and have added that this is cause im suicidle i now feel a compley
  3. Hi in January 2011 i took my mortgage company to court to stop an eviction the arreears we had at the time were £18259.06 in arrears the judge suspended the warrant with the understanding we paid £150 a month towards the arrears which we have been doing on wednesday i got a call from N-RAM asking for a break down of income as we had broke the arrangement i asked how we had done so as we pay every month and have never missed a payment since order was suspended i was told that in oct 2012 i was £100 short in my payment i was not aware of this and the only explanation i could give was i pay by
  4. Nram are tossers no one knows what they are doing there one person tells you one thing you ring back and someone else tells you something else and the third you speak to has no idea why the other 2 would tell you what they did im gouing through crap with them again i have posted a thread today hoping i can get the advice i need
  5. hi long story really we took a mortgage and unsecured loan had a 110% out with northern rock in 2004 in 2005 our circumstances changed and we were taken to court for eviction an arrangement was put in place and we maintained this untill 2009 when i lost my job and my husband could not afford to maintain at that level on his own we informed them and another arrangement was put in place this was again maintained till late 2010 when my husband was put on short time at work and i was not working due to us have a small child i informed n rock and was told to make payment that i could afford and as
  6. Also i have sent letters to them at the po box by recorded delivery and had them returned to me as there is no one there to sign for the letter if you were to send bank statements then you would have to send recorded for your own peace of mind and records so they would not recieve them and you would still be hounded by them they are a joke report them to oft (office fair trading )
  7. They are a nightmare personally i would ignore them and carry on paying as usual i am still trying to sort mine out i have not paid them a thing i still get emails every 2 days from them threatening me and telling me they will send an agent out to me in the next 3 days this has been going on for months and months and months and they have never been out to my address they just like to use scare tactics on you
  8. Hi all i have just been for a job interview at morrisons on the check outs and have been told i have got the job but i need to wait for security checks to be carried out which is background and financial background doesnt worry me but i do have bad credit ccjs and mortgage arrears i was completely honest and told interviewer and wrote on the form about these im just really worried that they will stop me getting the job can anyone help please
  9. i cant remember at this time i know it was 2 companies i really need to find paper work but im sure it is lost
  10. hi could anyone help please i took a car loan out with car craft back in 2003/2004 for an astra at a cost of £5000 i came into some money at the end of 2004 and asked for a settlement fee which came to £14000 i paid this off as i wanted to be debt free looking back now i realize that this was an extortionate amount to have to pay for a £5000 car but i was young i remember being bullied into taking several extra things with the car but cant remember what they were i am assuming this included ppi is there i could now get a copy of sale agreement as i have moved a
  11. can i still send that letter even though the debt in question is paid and settled ? as i do have knowledge of original debt before it was paid off might seem but stupid of a question sorry
  12. i have been battling with ndr for months now over a debt they say i owe quick quid ,quick quid have no account for me and my credit report states that the amount ndr are chasing was settled over 2 years ago i have sent ndr the copy of my credit report but they say this is not prove debt was paid or is not owed any suggestions on what i should do i have sent them the nuisance calls letter and reported to the oft and cab dont know what else to do
  13. sillygirl have reported them email i had back of oft is on post 46 and i agree with you they try and deny that they are the same going as far as putting it on each others contact page they they are different companies
  14. well just recieved my post and my recorded letters sent to NDR and Marshall hoares have been returned to me and i can not send a message to either of them on there contact page now as it will not allow me too VERY STRANGE
  15. hi what email address did you use i am have crap from both Marshall hoares and NDR but i DO NOT owe any pay day debt and i am having trouble contacting them
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