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Everything posted by Massamum

  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.
  14. Hi Joemay, Thank you so much for your kind words. You are absolutely right, life does get better! I am settling into my new home nicely and I am beginning to relax after literally years of the most awful, burdensome worry. Hope life is treating you well? Massa
  15. Thanks Ell, I’m slowly but surely getting there. Can’t allow myself to think too deeply about what’s happened, write it off to experience and look forward. I’m in a nice flat and I have a (small) amount of money to play with so I can’t grumble, there are many far worse off than me. And yes, their karma will catch up with them at some point.
  16. Not blunt at all Drowning, absolutely spot on actually. Thanks for your kind and supportive words and sorry you’ve been shafted many times too, there are some bad people out there. I hope life is treating you better now. I love the footprints poem.
  17. I thought it was time I updated on my situation. After a great deal of stress, the sale went ahead, I had to jump through many a hoop in the process. It was all very dodgy but finally completed and I got my money - not as much as I was expecting as the swines shafted me the day before completion by slashing thousands off the (already ridiculously low) price, I was in too deep at that point to back out and they knew it. A lesson to be learned and I think I may have got more if the house had been repossessed but I can't afford to have regrets now and will forge ahead as best I can. So much f
  18. Thanks for that AnimalMagic and for your good wishes. That was an interesting read and I’m so happy for Peter Bentley to get such a good outcome, he deserves it. My mortgage isn’t regulated under CCA though so I doubt I’d get anywhere and haven't the stomach for it now either, but I’m sure it could apply to a lot of other people. I can’t wait for all of this to end now.
  19. Hi Newstarter, thanks for your comments. The market is as dead as a dodo where I live and absolutely nothing is moving. I’ve not had any interest in months so like I said to Ell, I’m pretty much resigned to this – its either sell to this company or lose it to repo anyway and the charges that that will entail. I’ve done my research on the firm (FSA – check, Companies House – check, and no adverse publicity either) and they seem to come out ok, but I’m putting an awful lot of trust in them and I can only hope and pray that I don’t get ripped off. Will come back at the end of it all and let y
  20. Hi Ell, thanks for your concern and sorry I haven't been back on here for a while. I'm pretty much resigned to all of this going through, and to be honest I can't wait to see the back of the house now - its gone from my lovely home to a source of too much stress. All being well, it should be done and dusted sometime in the next couple of weeks and I can then start to get on with my life. I'm not sure there are any other avenues open to me anyway, as I got the repo order from the court yesterday outlining how I must vacate on the specified date and without any other buyers in the vicinity ..
  21. Thanks very much for your in-depth reply Newstarter, 20 years is a long time isn’t it!!!! Luckily there is quite a lot of equity in the house to repay the mortgage so please God it won’t come to that. I’ve already signed with Property Rescue Limited (have you heard of them?). The offer was only ‘on the table’ for a couple of days before it would be withdrawn so I grabbed it. I’m tied in now. It was a desperate act and I’m not sure it was the right thing to do but too late now. It feels like they are stalling and the papers say they’ve only got an option to buy!!! I wish I’d asked
  22. The judge granted a money judgment at the hearing, I'm only just beginning to come to my senses after all of this. Can anyone tell me what a money judgment means please?
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