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tosh1

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About tosh1

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  1. Thank you for replying. I am not currently in arrears. Never missed a payment either. Trying to get a job whilst dealing with depression has been hard to say the least.
  2. Hi I am hoping someone can help. I currently have a mortgage with Santander. I lost my job at the ed of March and have been taking money out of my mortgage to keep making the payments in the belief that i would have a job by now. I have also been diagnosed with depression. I should be able to make this months payment (after withdrawing money from the account again) and I have only just started claiming Universal credit. Can I ring the back and ask them if they would consider taking a small amount every month for around 6 months until I can get better and back on my feet. Thank you for reading and also any replies
  3. WOW DX100UK I remember you. What is a fleecing CMC?
  4. Hi I am not sure if i am in the right group. Basically I asked a PPI company to check if there was any PPI outstanding. They took my details and wrote to other companies. I have received an offer of £50 from a bank and the claim company has asked for their fee. My question is, if I am not happy with their service and want to take the bank to the financial Ombudsman, can I do that myself and just pay the PPI company their fee without any further involvment from them? Thanks for looking and reading and any help would be gratefully appreciated.
  5. tosh1

    Insurance CCJ

    Hi Just an update the insurance company have offered to compensate me £1000
  6. Hi Not sure if I am the right thread but please udjust if required. Basically I was involved in a car accident in Feb last year. I exchanged details with the other party and as there was no damage to either car, I left it as that. In Decemeber I recieved a bill of £1500.00 for damage to the other car. I spoke my insurance company and they took over. They agreed that the fault was mine and they would pay for damages to the other car. I recieved a letter from the court asking that I should the amount outstanding and passed this on to the insurance company who advised that they would pay and take over and that I do not need to do anything. My insurance company failed to pay. The court date came and went and a CCJ was placed on my name. This has been passed to the insurance company who have passed this on their solicitor who has agreed to pay and try and remove the CCJ from my name. My question is am I entitled to money as it has cost me postage and also money to access my credit file as well as a bad credit name (not able to take out a loan) Thank you
  7. tosh1

    New Loan Offer

    9.8% that's a bit too much
  8. Hi I have found myself in a situation where all my direct debits come out of my current account on the 1st of September but I will not be paid by my employer till the 2nd. I am already using the full extent of my overdraft and have maxed my credit card. The way I see it I have the choices below - 1, Take out a loan which I don't want to do. 2, Cancel the direct debits and pay the direct debits once the money comes by debit card and then re-instate the direct debits. 3, Contact my mortage company and tell them to wait but if I do and they say NO then they might not lend me the money Can anyone put some input in this? Thank you in advance
  9. Does an SAR work for Business accounts?
  10. Hi I am a new business starter and opened a Natwest Business Account. This was running normally and I received monthly bank statements without any problems. I then closed the bank account because Natwest started charging me. I remember sending the statements to my accountant but he advised me that he has not received them .I need to re-order these, Has any one else been in a similar situation, How long does it take for the statements to come as I need them by the end of this month. Thanks
  11. Is there anything that I can do about it now or is it too late?
  12. yes i was told that if I didn't I take out the insurance I could not take out the loan
  13. It was over the phone and also the branch
  14. This is the questionnaire that I filled in.
  15. This is the letter that I have been sending - You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that under the Limitation Act 1980 Section 5: “An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.” I would point out that in their Consumer Credit sourcebook, the Financial Conduct Authority states the following rules: "...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4 "A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred." 7.15.8 The last payment or acknowledgement of this debt was made in 1997 and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed. I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed. I would also like to point out that I have informed the Office of fair trading & trading standards.
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