Jump to content

Massamum

Registered Users

Change your profile picture
  • Content Count

    270
  • Joined

  • Last visited

Community Reputation

1 Neutral

1 Follower

About Massamum

  • Rank
    Basic Account Holder
  1. Was my loan account. Does it make a difference?
  2. Thank you so much for your quick responses and I am over the moon to hear that. Such a relief, thank you for putting my mind at ease. I will be making a donation to the site very soon
  3. I have a statute-barred loan originally from Lloyds which was sold to various debt collection agencies over the years. Today I received a letter from Capquest informing me that they are paying a refund from Lloyds into this loan account. They say: "Your Notice of Sums in Arrears, or NOSIA, should have been dated 1/2/2008 and you should have received it by 14/12/2008, so we're including a corrected NOSIA with this letter and refunding you £69. This amount covers the period between 15/12/2008 and 01/02/2018." My questions are, can they do this? Does this mean the loan
  4. Hi ericsbrother, thank you very much for your reply. The overtime has more or less come to an end now as the busy period has passed. Sorry, I got it wrong, it is actually the Housing Benefits people who are chasing my sister, not HMRC. So, it sounds like my sister's housing benefit will be affected because of the overtime over the last six months or so? I'm not completely sure what you mean by the wrong assumptions about this year's income not being based on irregular overtime paid last year??? Do you mean that they will assume her income this year will be the same as last year, eve
  5. Forgot to mention, she has until 12th May to reply.
  6. Thanks for the reply Honeybee, my sis will be relieved to hear that at least.
  7. A family member is having a problem with her working/child tax credits so I offered to try and help her out via the lovely CAG members. She was working 16 hours a week but increased to 22 hours a week last year, which she declared to HMRC, so has been expecting an adjustment in her tax credits and housing benefit. They have recently written to her asking for £1,149 back. Over the last six months or so she has come under a lot of pressure from her job to work overtime as they have so much work on. She was hoping this would not be taken into account as it isn't usually a regular
  8. I have just seen on TV that it is an offence (£1,000 fine) not to notify DVLA of a new address. I have been looking into this as I moved over two years ago and just haven’t gotten round to doing so. During my enquiries online I also came across medical problems that should be reported to the DVLA, one of them is sleep apnoea which I have suffered from for years. I’m now really worried that if I apply to change my address and also notify the sleep apnoea I will get into terrible trouble for not reporting this medical condition earlier, and it looks like I should have told my motor insurers t
  9. no it was absolutely fine in the end, the fault was with me
  10. Cheers Rebel. I do want to get rid of them, just unsure of the best wording to use.
  11. Thanks DX. I CCA'd them all a very long time ago, some enforceable(ish), others not. Not too worried whether they accept or not to be honest as I can carry on ignoring them til the debts go SB Only reason I'm doing this is to clean up my credit file. Not going to offer them very much - compensation for all the stress they caused me at the start and before I wised-up.
  12. That was interesting reading Silverfox and BB, thanks. Thanks for the advice Firstship. My credit file was well and truly trashed a long time ago! I have five creditors and owe in the region of £55k. MBNA debt was sold on before the date given by creditor for me to resolve so rescission of contract applies – that debt is £15k but arrears were only about £2k – any ideas of how much I should offer here? I have a £10k loan and £5k overdraft with Lloyds that are still doing the rounds of various DCAs, I’ve been ignoring them for years but want to get rid of them once an
  13. I'm now in a position to offer some small f&f's to my creditors and looking for a bit of advice. Not sure of the best way to go about it as there seems to be so many conflicting information on here. Is it worth doing? Has anyone successfully had f&f's accepted? Or has anyone been hassled after f&f's been accepted? Grateful for any info please. Thanks.
×
×
  • Create New...