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misselle

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Everything posted by misselle

  1. apologies for the lack of paragraphs they aren't formatting properly when I submit the post which is making it show as a solid block of writing and not the paragraphs it was written in
  2. So I got notified a few months back that MMF have bought over my CFO debt from 2011 when CFO went into administration. Out of the goodness of their hearts they told me they had taken off all of the fees and interest CFO had added and I now owed only the original balance. That of course didn't take into account the redress that was taken off of the CFO loan or the amount I'd paid towards the debt which when added up would have cleared it all had CFO not added on the stupid amount of fees. Anyway I haven't responded at all to MMF despite weekly emails. CFO had issued a default notice in Janua
  3. I should add, it is possible we might have caused the bath to move when trying to get the panel off when it was flooded. We have a wooden panel which was screwed to the frame and we couldn't get the last screw off from the bottom due to the vanity unit being in the way so we were pushing and pulling and trying to lift the bath upwards to get the panel off, in the end we only succeeded in snapping off a chunk of the rim of the bath and couldn't get the panel off until we got a plumber in who move the sink/vanity unit
  4. That's exactly how the bath has been sealed, the bath was installed in the bathroom in 2011 and the sealant has been renewed every year by the a plumber as myself and my partner are awful at DIY and there were no issued with the bath moving, leaking or sealant until the massive escape of water due to shower screen door not being closed properly. The last time the bath had been sealed was 8 months before the incident, we kept the invoice from the plumber for it, there isn't any reasonable explanation as to why it's moved after the bathroom flooded but its moved so much from one wall, the wall w
  5. So i'm having a bit of a dispute with our house insurance, long story short, my husband didn't close the shower screen properly and left the bathroom with shower running for a period of time, I walked into my kitchen to find it had all collected into a bubble and burst through a hole in the ceiling causing damage to the walls, floor and plaster. Insurance told us we could claim through our escape of water and had to give them two itemized insurance quotes. We massively struggled to get these quotes with several traders not turning up or wanting to charge a fee to produce them, we asked if
  6. It's just the adjudicator at the moment. In his response he's also said CFO claimed to have only telephoned me 4 times in 4 months which is rubbish but i can't probe otherwise as I've had several new phones since 2011, he's also said that he doesn't know how many letters were sent to me or their content as CFO haven't provided the information and asked me to supply them if I have them. Surely that should be down to CFO to provide that? I've asked if CFO have provided copies off all the texts and emails and their content as that was how they harassed me the most. I just can't ge
  7. Hi sorry I haven't been able to come back to this, my complaint went into the FOS today had their response and to say im stunned is an understatement. They've ruled that CFO didn't harass me or, treat me unsympathetically or that it was irresponsible lending. They've said CFO didn't need to do credit checks and my wage and the low amount of loan was deemed to be affordable in addition the FOS has said I had no other payday loans at the time I applied to CFO which is untrue I had about 8 outstanding and i'd defaulted on most of them the previous month. I'm goin
  8. thanks everyone, I was really doubting myself after their response and my resolve was softening but you've given me that kick I need to know i'm right and that I do have a case against CFO and i'm not just going to go away as they are hoping
  9. Their letter is a pdf and I can't figure out how to alter it from my laptop to take out my details, I'll keep trying if not i'll use the software on Monday in work to do it. Reading through their response again it contradicts itself in one paragraph it says it checked my credit with experian and then a few paragraphs down it says it didn't credit check as it wasn't required to at that time. So which is it? You checked experian or you didn't? Also they claim they were never made aware of my financial difficulties pre or post loan. That is a blatant lie I've saved
  10. 6 months? I've only had their final response, so that means their response saying I need their permission is utter garbage. Should know never to bel;ieve what these crooks say Guess I'll be sitting tonight sending the FOS my complaint online
  11. I'm thinking of just sending it to FOS and seeing where I get from there, I knew CFO would be like this they're the biggest mistake that I have ever made never has any company made me feel as intimidated and threatened as they have and to be honest I feel it's time they are held to account for how they've treated people
  12. So as the title say can they refuse permission? Do I need their permission? It's regarding a loan I took out in 2011. At the time I had already been using payday loans since Oct 2011 several times a month with several different companies, rollovers, same day borrowing, several on the go from different companies and at the time I took out the loan I already had loans outstanding with 6 other payday loan companies and it far outstripped my income leading to a default on the all in April 2011. I contact CFO 2 weeks before repayment and they refused a repayment plan telling me that they
  13. Thanks Dx forgot about my old post, needless to say that was the last contact I had with them a nd they never wrote to me again let alone took any action. Yes I was resident in Scotland when I took out the loan. Does that make a difference to something?
  14. Next in plan of action tackle my two shop direct accounts and credit cards which have been in default since 2011 also. Shop direct will get getting a SAR soon enough for my ppi claim. Feels slightly empowering to take charge of my finances once and for all
  15. That's very interesting Uncle, I hadn't thought about it like that. I do think it's odd they haven't chased me for the debt, I honestly didn't think I'd get this far down the line without any contact or a court threat so something is amiss. Not to make excuses but I should probably never have been allowed to borrow the amount I did at the time although it wasn't really this loan that got me into the mess I did, it was payday loans which I'm sorting out too.
  16. Thanks uncle, I haven't changed address since I took out the loan so they have all my details. I did have a feeling that it's been lost in translation somewhere with the splitting up of Halifax, Lloyds and Bank of Scotland. Perhaps I'll get lucky. It's going to be a long year waiting to see if they contact me. i'll sit tight
  17. sorry I've tried to put para's in but the computer keeps saying no and changing to one big block of text
  18. Morning all, I'm trying to get my debt sorted out now I'm in a better financial position so you might see a lot of me over the coming weeks. I have a query regarding an old HBOS loan that I took out in 2010 and defaulted in 2012, my last correspondence and payment to them was in March 2012 when I made an offer of repayment and asked for their payment details but they failed to respond and my last payment was at the end of 2011. I've heard nothing from them since then not a single word, the default is on my credit file but they've never been in contact asking for payment for threat
  19. Thank you for the links, I meet several of the criteria for irresponsible lending for pretty much all of my Payday loans. Looks like tonight is going to be spent going through bank statements seeing how much I've received, when and how much I've paid back. I know it's in the region of Thousands. I've been so stupid and it just got out of control, thank fully I've never touched nor considered another payday loan since 2011. Worst mistake I ever made was getting into that cycle it almost caused me to lose my home As part of my complaint can
  20. Thank you for the replies, yes the default is registered as having defaulted date of 2015 which is incorrect and obviously to my detriment. I'll try initially raising a dispute with callcredit first and see if they will change the dates, to be honest I'm shocked at how different the reports from callcredit and noddle are, some show defaults that the others don't. All from payday loans. I'm trying to get my finances in order at the moment with the consideration of making complaints about irresponsible lending, at the point I had 6 different loans f
  21. For information I'm in Scotland. I have two Payday loans with Lending Stream which are about to become statute barred in a few months time. The problem I have is that I've been checking my credit scores and there is one default registered by LS on my noddle report which is all well and good and won't fall off until next year which is fine but I checked my Experian account today and discovered two defaults by LS but the date of the defaults are 2015. I've had no contact with LS since I defaulted in 2011 in fact I heard nothing from them until 2014 and h
  22. I'm hoping someone might be able to help. I had two accounts with shop direct and back in mid 2011 ran into financial difficulties and ended up defaulting on both accounts. I was only ever making token payments to both accounts and account A was passed onto Lowell in 2011 however for some unknown reason shop direct still held account B and only passed account B onto Lowell in 2014. I know both accounts have PPI on them along with charges and I had intended to SAR shop direct to get my statements and claim back but I go sidetracked by life, however I've gotten myself together and want to t
  23. i've tried to put parahraphs in to make it easier to read however they keep removing them when I hit post, can admin fix this if possible?
  24. Hi all I was wondering if you could tell me when a default notice should be issued.I got into financial difficulties a few years ago 2011 after stupidly using payday loans. One of those loans was Txtloan. At the time I took the loan out I was desperate and I don’t believe any correct financial checks were carried out otherwise I would have been declined, they certainly would have known if they had checked that I had several payday loans and shouldn’t have loaned me the cash.At the time I’d taken a drop in wages and was using payday loans to pay my mortgage, stupid I know and eventually the cra
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