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odezi

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About odezi

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  1. I need urgent advice on a major issue I am facing with the local authority and need urgent advice on the best way forward. I bought a council flat on a right to buy several years ago. In the last 4 years there have been several works the council have done and the charges were quite substantial. One the first invoice I was given an option to spread the payment. On the others no such option was offered, although they claim it was offered. The charges in addition with the annual service charges, it became quite difficult to keep up. In February 2014 the council
  2. Hi Bazooka Boo Your idea is a very good one and worth a try. many thanks
  3. Hello All I have loans with various providers. I appointed a debt management company sometime ago to freeze the interest rates and I have been paying reduced monthly repayment to the lenders. Most of my loans have now been sold on to third parties. A couple of these companies have contacted me offering to write-off up to 40% if I agree to make an immediaye payment of 60% of the loan. While this is generous I can't help but think these companies will make trmendous returns from the loans because they have been sold to them for a lot less than they are worth. I would like to know if th
  4. Redfish, many thanks for posting up the letter. It is extremely useful. My credit history has already been destroyed. My creditors have made sure of that. It is something I will need to sort out in the future. I am aiming to be tough with these companies. So far they have been very cagey in their approach and I am guessing it is because they know something I don't. Many thanks again for the letter.
  5. Redfish, many thanks for the information you have provided. Now I really understand why MBNA are not making a fuss about the agreements I have with them. My debt is been managed by a debt management company and the monthly amount I pay towards each debt is quite low and MBNA that were aggressive with me prior to me receiving my CCA have suddenly stopped bothering me. Even when they asked for an increase in payment and I said no, normally there would be threats but nothing. The loan was sold to 1st credit and they have also toned down their aggression...amazing. The error I have made to date is
  6. Redfish, many thanks for the reply and the very useful information. Based on the agreement and the use of cash advance rather than credit as the regulation demands, how would you suggest I proceed with this? Should I write to MBNA informing them that I believe the agreement does not comply with the required regulation?
  7. Redfish, very many thanks for the attachment. It was a very interesting read and got me considering my loan further. The loan itself was to repay an existing loan and credit card, both owed to MBNA. When this loan was approved, MBNA automatically paid off the existing loan and paid the amount owning on the credit card before paying what was left to my account. Would this also be something to put forward because at the time of the application I informed MBNA the loan was for consolidation. Since I did not make the payments myself and they adjusted the other accounts I had with them with this lo
  8. odezi

    Abbey's Tricks

    I sent SAR to Abbey in June and I have not received anything yet. Can someone please suggest an appropriate follow up. I started this after Abbey appointed a DCA to chase the debt. I then sent the SAR and sent a letter to the DCA as well informing them of my action and asked them to return the debt to Abbey. For reasons not known to me, Abbey asked the DCA to stop their actions before my letter got to them.The debt was returned to Abbey and they have suddenly gone quiet. I believe it is because the charges are quite substantial. My mortgage arrears has reduced substantially but I am reluctant
  9. Spunkymonkey, many thanks for the posting. I sent the letter beloow to the DVLA and they have replied that I am still liable for the £80 charge I inted to follow it up with a letter and ask them to forward the case for prosecution.
  10. I have had various correspondence from Debt Clear Recoveries regarding one of the accounts with MBNA. They are requesting payment in full, over 5 years or partial settlement, none of which I will take up. Should I be corresponding with them about the account or should I continue with MBNA?
  11. I have been looking through the letters from DVLA and I am a little confused. I received a letter in April confirming that the late penalty notice was valid. This was in reply to my letter informing them that I was disputing the charge. At the beginning of May they sent me an acknowledgement letter that I was no longer the registered keeper. Should they have sent this since they claimed not to have received the V5C? Is it not the V5C that generates the automated letter?
  12. Unfortunately I sent it by normal post. I am planning to write to DVLA again about this and also complain about the harrassment by Moorcroft. They have called twice this week and also left one message.
  13. Still getting harrassed by Moorcroft about this fine. They have sent me letter from their precourt division and also called me to pay and if I do not they will commence legal proceedings. They also claimed that after selling the car I should have asked for a refund of my road tax, that is the way DVLA will know I have sold it. I told them that the tax had 2 days left and as far as I was aware, all I needed to do was send V5C, which I did. Moorcroft are becoming a real pain, real pain.
  14. I also sold my car to webuyanycar, but I sent off the V5C myself way back in December, now I'm in a battle with DVLA and Moorcroft who want me to pay £80 fine. Moorcroft claim that I should have asked for a refund of my road tax after selling the car. I told them it had two days left and as far as I am aware I didn't have to. All I needed to do was send V5C which I did.
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