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delta1956

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Posts posted by delta1956

  1. This restriction totally on my own and as I am home owner.

    Original debt was Tesco Finance then Ist Credit took it over then Intrum Justicia.

     

    Land registry stated as a result of this application the following entry has been made in the charges register of the above title number. 21 June 2005 equitable charge created by an terim order of the telford county court dated 18 May 2005 in favour of Tesco Personal Finance Ltd. Note Copy Filed 

  2. Hello

     

    I have a second charge on my mortgage/ land registry.

    I have been paying approximately 15 years Intrum Justicia. 

     

    2017 the payments started to bounce back from the account of IJ. tried  many communications to them  no reply.

     

    Trying to sell my property

    cant exchange contracts re this company as I need a settlement figure.

     

    I checked companies House they are now Intrum UK2 LTD.

     

    I contacted them they have no record of my account or any payments.

     

    My solicitor has also written numerous times with no reply.

    Its like I don't exist. 

     

    Desparate to continue my sale of property but this seems to be a huge stumbling block.

    How can I proceed

    How can I get this removed from my deeds .

     

    Please any advice will be greatly appreciated.

  3. watch the video start a new thread

    Hello Interim justicia . I have been paying this debt collection agency for 11 years by standing order. The last three payments have been returned. My bank can't say why. The original loan company can't advise. I can't find which dept I interim justicia are dealing. ? They put a second charge on my mortgage. Does anyone know a London contact area for them. .

  4. Hi and welcome to CAG.

     

    In my opinion, any increase in earnings should be delared however, are you on the right plan? Have you investigated all the other option? (DMP, DRO)

     

    Are you using a firm that levies a charge for their services?

    Hello Silverfox

    I was advised by the debt management company this was what we needed. IVA.i haven't heard of DMP OR DRO..I am aware if my earning change to notify them. I am on a private pension and disability allowance. But every month we have to use a credit card to tie us over. If I can return to work earnings will not be a huge amount.I Have been in I a sixteen months..another three and half years to go..

  5. Hello

    I have an IVA jointly with my partner.

     

    Due health reasons I got into financial problems.

     

    I was medically retired from my job.

     

    The only option seemed to get an IVA..

     

    THE AMOUNT £330 a month and finding hard been twenty months. .

     

    I have now been discharged from hospital and want to start working again.

     

    My question is does effect my IVA.

     

    IF I GET EMPLOYMENT

     

    any advice would be greatly appreciated.

  6. Hello had years of debt following me and now thinking of an iva. i do have a house and wondering how I stand if I start an IVA what if i need to sell my property and move for health reasons....

    IVA planned and now apparently creditors have reviewed the offer payment and want to increase it as they think budget was understated. Is this normal ,if I decline increase will the IVA fail to go ahead.need a quick reply if possible thank you

  7. Hi guys.

    Sorry to revive this old thread. I am horrified reading through your experiences but I am looking some advice in relation to E&L Insurance.

     

    My Border Collie dog has been insured with E&L for almost 7 years and so far so good. I even made a hassle free claim 2 years ago when my dog jumped onto a stick open-mouthed and pierced his throat. Thankfully he made a full recovery and E&L paid up with no questions asked.

     

    However, 4 weeks ago my dog suddenly started showing signs of discomfort. He was wimpering, having difficulty standing and oddly digging holes in the garden! I knew there was something wrong so I got him straight to out of hour vet hospital. To cut a long story short, he had somehow managed to steal and gorge himself on leftovers from a BBQ. Turns out his stomach had expanded so much with food and gas that it had twisted and was crushing his organs. The vet got him in for emergency surgery to empty his stomach contents, untwist it and attach it to his abdomen to prevent future twists. Thankfully he has made a remarkable recovery and is now back to full health. The vet bill was in excess of £2000 of which I paid £1000 on the morning after surgery in the hope I could claim this back and get the outstanding balance paid by E&L.

     

    This is where I am having some issues. E&L are saying in order to process my claim they need to see evidence that my dog has had routine health checks every 12 months for the past 3 years (a clause they only added to my policy this year and which I hadn't noticed among the other terms and conditions). Unfortunately he has not had routine health checks every 12 months and as such I have no evidence.I have told E&L I dont think I can get this evidence as I am not sure if he has had routine health checks (I was deliberately being vague with them.) They are now asking for confirmation in writing that he has NOT had routine health checks and want me to send a copy of his vaccination card. Again, perhaps I have been ignorant but I was not aware my dog should have vaccinations every year and therefore I dont even have a vac card.

     

    Sorry for rambling on a bit but my question is,if I admit in writing to them that my dog has not had routine health checks or vaccinations will my policy be void and as such not liable for a claim? Do I have a leg to stand on or can E&L legally not pay out? Does anyone have any advice as to how I should approach this? my dogs injury was in no way related to whether or not he had routine health checks or vaccinations so can they wiggle out on this technicality?

    I am stressing as the vet bill has left me in financial straits and with a hefty balance still owing! Any help or advice would be greatly appreciated!

    ....yes this is clause they keep in the small print.they are the pits..I am sorry to hear of plight..check with your vet.maybe he gave your dog a health check prior to operation? I wouldn't recommend E&L to my worst enemy. Speak to the insurance ombudsman as well this always helps
  8. Do try calling the financial services insurance ombudsman and let them know what has happened. They called E and L before they investigated and lo and behold the next day I had a call to say they would pay up after all.

    It's worth fighting it anyway.

    E and L are terrible insurers and I wouldn't touch them with a barge pole again.

    Hello Leggy thank you I will definitely do that as they are just the most dispicable and obnoxious company.Sad the only reason I renewed the policy as the said they would cover my dogs other leg other wise I would never have renewed it with them.

    Kind regards

    Delta1956

  9. Hello,I know this thread is is a few years old but I am am having a real battle with E&L. Last year my dog damaged her left knee .I only hand bronze cover so I was out of pocket big time as they only covered her £500.00p per injury. I had to get her last three years medical report ..It took them 3months to pay this amount minus£150.admin.I had to stay with them when the renewal came up as no other pet insurances wouldnt cover her right back leg.So I upgraded to Gold cover and was told on the phone her right leg would be insured. Now her right knee on her back leg has now got cruciate problem. E&L are now weasling out as they say they sent a letter of exclusion out in november 2011. I never received it but have received many other letters etc and if I had I would not have continued with E&L as they are the worst pet insurer's I have ever come across and I have had dogs for fourty years. My dog need's the treatment and its totally disgusting that I have to have this additional stress of trying to get surgery for her and fight them to pay for it.If any one can help how to get this dispicable company to acknowlede what was agreed on the phone also on the policy I received does not refer or mention any exclusion to her knee ®. Please please

  10. Hello Brig

    Just received a couple of letters from 1st Cred. Re my complaint about excess harassment by mobile telephone and land line. Its a final response letter. Also first credit purchased this debt in July2011 and are the legal owners. They have put my account on hold to investigate and to get additional information from BoS. I did have a call blocker on my mobile and had stacks of calls from them but sadly I sync it with my computer and all was erased. Do I still need to get a copy letter from the site CAG 12+2 as they faailed to supply the CCA again. Or should I just wait to hear from them after their investigations. They also supplied relevant information about complaints and booklet to the ombudsman. Kind regards Delta

  11. Hi Brig Glad your back. I really did appreiciate your advice.

    I wanted to update you.

    It was a BoS credit card. Ist Credit are the second DCA. The first was Westcot who I originally asked for CCA. Then never heard anything for at least a couple of years if not more and then Ist credit have been hounding me letter and telephone calls from about june this year.( I Posted a letter off to them this week informing them of their behaviour and asked to stop these phone calls etc which you advised me to do).

    I finally got this letter stating they were now advising BoS requesting the CCA to be sent to me asap. With additional info about Deed of assignment, I would incur a fee of £10.00.00p. I have now looked up what that entails and I will not be doing that and

    I then have to contact 1st Credit when I get this information back from BoS. Look forward to hearing from you Kind regards Delta

  12. I have been dealing with DCA and now they are talking about deed of assignment. This paragraph was included in a letter which I received from them informing me my request for a copy of the agreement is now being referred back to the original credit card client BoS. They are arranging a document to be sent to me and then I am advised to contact the dca. Firstly I never asked for a CCA and have only informed that this debt was returned by another DCA as the relevant form was not supplied.

    This all getting confusing and trying to write about makes it even more so.

    Brigadier gave me some advice and I cant contact him any more. He was extremely helpful.

    Thanks Delta1956

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