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italy

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  1. it was originally sold as a loan which turned out to be a credit card which we never received We have statements Can we contest the default oh Took it out in 2007
  2. The company is Barclay partner finance the loan was originally through Clydesdale financial services as part of a timeshare purchase (thats another story) We could not afford the high payments reduced them In January 2013 the statements stated no payment was due but we still kept paying then in the statement for september 2014 it says total balance nil Write off sale debt Then this week we were checking our credit references and it says in November 2014 they defaulted the account We have had no correspondence or calls from them We have been working hard to improve our score and this has knocked us back but we had no warning so we could try and make it right What rights if any do we have?
  3. We have been paying a credit card back at a reduced amount even though the statements ,for at least a year, said nothing was due. Then last November we received a statement saying nothing was due due to a write off debt sale Now I find that they had defaulted the account on that date We received no correspondence about this, Can they do this?
  4. Yes it was a default notice asking for me to clear the £520 arrears the payment i set up was for the minimum payment plus £40 rising to £90 overpayment this month. But i have now received a final demand letter. The arrears is currently £440
  5. I have a card with hsbc i am in arrears but not by much. I received a default notice asking me to make an offer of payment. I did and set up a standing order to pay it. 2 months later i have kept the payments and i receive a final demand letter saying they are going to default the account and pass to a debt agency When i rang to ask why they said procedures have to be followed and there is nothing i can do yet i had agreed a payment plan and kept up payments What can i do the man on the phone said there was nothing i could do Advice appreciated
  6. We have arrears with our Nram mortgage it is less than a months payment. We got in this situation due to a one off large bill. We can continue to pay the agreed monthly payment and then to overpay a bit each month. i rang up to offer this and was told they could not agree anything until i had done an income and expenditure form I said i was not prepared to do one over the phone as i had no information to hand. They then said that they would send a form and rearrange a return call. I do not want to do this What are my rights as they are still phoning all the time
  7. When you say ask for the agreements what can this do? Can you direct me to a place on the site to read up on this because this is what we paid ratio money to do for us and as you will know they went out of business and we lost our money Thank you
  8. THANK YOU YES I AM. i CAME ON THIS SITE IN 2008 ON THE START OF WHAT HAS BEEN A HARD EXPERIENCE. MEMBERS HERE HAVE HELPED ME WITH THEIR ADVICE AND I APPRECIATE THAT. WHEN THE CALL COMES TOMORROW AT 830 AS IT ALWAYS DOES I WILL TAKE YOUR ADVICE AND TELL THEM WHAT I CAN AFFORD
  9. SOME YEARS AGO I WAS CAUGHT OUT BY A COMPANY THAT CLAIMED THEY WOULD LOOK AT THE CREDIT AGREEMENT. i MISTAKENLY PAID OUT AND THEY WENT BUST. i HAVE SINCE GOT BACK THE UNFAIR CHARGES. ALL I WANT IS TO PAY MY DEBT AND BE ABLE TO SUPPORT MY FAMILY BUT ALL THESE COMPANIES DO IS PUSH AND PUSH NO THATS UNFAIR SOME HAVE BEEN REASONABLE AND THE STAFF HAVE BEEN VERY HELPFUL OTHERS HAVE BEEN RUDE REDUCED ME TO TEARS SLEEPLESS NIGHTS ETC. WHEN I AM TRYING TO WORK WITH THEM. sORRY I WAS NOT GOING TO GET EMOTIONAL AS ITS MY MESS AND I HAVE TO DEAL WITH IT. iTS JUST SO FRUSTRATING.....
  10. sO THEY CANNOT SAY THEY ARE THE MOST IMPORTANT DEBT AND I WILL HAVE TO RENEGOGIATE WITH MY OTHER CREDITORS aLSO THEY THEY HAVE GIVEN ME 6 MONTHS AND MY OFFER IS NOT ACCEPTABLE SO THEY WANT TO INCREASE IT
  11. I have set up plans with various creditors.all have different procedures. But 2 in particular insist on doing income and expenditure over the phone which is difficult as companies have different forms. My question is do you have to do the income and expenditure over the phone or can i insist i send it in to them
  12. we had some 7 agreements audited in decemeber 2008 and were told they were unenforceable. 2 are still waiting to go to a solicitor and when i have rung up about this they are very rude. So i wrote to them 4 times to get a reply that they would be with a solicitor am still awaiting this (3 months) have just received a letter from a solicitor saying that another agreement is now not worth going ahead with although it has been with them a year. This was then reallocated by Ratio to Mckay solicitors. Have not returned the paperwork as we have lost all confidence. We gave ratio money in good faith at what was and still is a difficult time for us. Thought we could get a refund . Has anyone been successful with getting money back??? we feel really stupid
  13. italy

    Account In Dispute

    i wrote to mbna november 2008 as i was in difficulties. they refused to help saying had i considered a secured loan. so i have struggled through the year paying what is effectively over 2000 pounds to find that a year later i owe more and have high interest rates, the minimum payment does not cover the interest etc etc they ring continually and even asked my young daughter to pass them on to any family member! i am sure i am not the only one but it makes me feel helpless. Reading the threads helps but i am so angry that they can get away with this. I just want to get straight but they are not interested
  14. our halifax credit agreement was audited and they could not produce a signed copy and the interest rates were incorrect. The account went to the solicitors 8 months ago, we stopped paying. Now halifax have passed the account to a debt management agency who want it all repaying. Advice needed how do we deal with theses people i thought halifax could not pass it on if it is in dispute what do we do?
  15. have received a letter from capital one who say that they have compiled with my request in their view the account is not in dispute and so i am still bound by it. consequently they will default the account. I feel confused angry and worried. should i set up a payment plan or simply let them default the account.advice?
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