hi all, i wa smade redundannt in october last year from my job of 8 years, so i rang my credit card company to advise them i might be a little late. they fell over themselves to say i could have reduced payments blah blah blah. At the time i thought that was jolly nice of them. nevertheless i paid the full amount that was due. next thing i know there is a AP marker on my equifax credit file, i phoned and complained and after a ridiculously long time the credit card company wrote to me to tell me they had removed it and apologised. that was march 16th 2010. Today equifax are still showing this marker, i have 5 settled accounts never missed a payment. 6 current accounts never missed a payment and this AP marker just sitting on a one month from october 2009. credit card company say they don't report to equifax they report to experian and on there it is clear. THEY SAY lol. i got a job son after being redundant and a decent payment as a redundancy settlement, i paid all my debts religously. I took the first job i could find sadly my pay was only 60% of what i was earning. I now find myself in need of consolidation since i can see i cannot keep spending such sums as i am to maintain my debts. I dare not apply for a consolidation loan even though the cc company told me my records are backup copies "yeah right" and my current files are clear so i should not be hindered. What can i do with these idiots, i have messaged them they now say 28days to resolve. i have been waiting already for nearly 2 months and tbh that has had a very real financial loss in that i have been unable to make any savings for fear of rejection . I even sent them a copy of the letter from the cc company saying they had removed it for goodness sakes. now they say checking with third party lolool. any advice would be greatly appreciated, since a AP marker is just as bad as defaults ect to my mind.

I am posting here since likely others will get into this situation especially given the climate. I contacted my creditors, funnily enough i phoned Welcome - they commented that in all the years i had run an account with them it had been conducted flawlessly - on that basis they gave me a 1 month breather to get things sorted. Then agreed we would speak further about if no redundancy payment had been received how they could reduce interest and take token payments for a period until i can get sorted. They advised me to cancel my DD on my end and they would do he same on there end. They didn't actually offer PPI when i murged what was left on my old debts with them into a single debt, so i personally don't think it is entirely my fault, but i am very happy that they were seemingly very helpful. Any payments of redudnacy to me would of course service loans without PPI for a very long time and maybe even enough to become debt free in 1 shot. My second loan provider i havn't contacted yet as i had just made a payment on it so i thought i could take a little break from the telephone. Oddly enough the PPI providers are all placing difficult hurdles for me, i have a letter from the OR stating reason for my termination, i have pay slips complete from april to now. I have 7 full years of P60's, a letter or termination from my employer as well as a perfect reference - And still they insist i find my employerand get them to sign the f'ing page on the PPI claim form or send it to the OR to complete when he doesn't have the compabny records in his possession yet and couldn't complete it if he wanted. To cap it all off i phoned CC providers as soon as i knew what my position was - i was told my account was flawless so they couldn't actually do anything till it wasn't even though i told them without my last wages i couldn't meet the payment. Today i get a call from a RUDE woman on the phone from them requesting i make an immediate payment as it was due to them 3 DAYS ago ffs. HALIFAX IRELAND INSURANCE are idiots already trying to manuovre out of a claim they know full well is valid!!! by creating hurdles that are just not practical. so far lenders - great help c cards - don't know what the left hand is doing insurance providers - a real big let down in a crisis, and already looking for loopholes RPO - well intentioned but i don't expect any rapid pay outs there - although the limits rose from 350 to 380 on 1st oct so a little result there lol. They say 3-6 weeks so i expect nothing before xmas Jobcentre - first words out of there mouth "rapid response" to pay for additional training/qaulification. As i try to wrap my 126 I.Q around that i will also consider that my claim to notice is already affected by my benefit claim automatically and do they actually think for even a single nano second that i would chose to diminish it further my getting a job within 7 weeks of my notice to reduce it further, or maybe save these insurance companies a few quid. Housing benefit - Total F'king a**holes tbh, they insisted that i provide months of bank statements for me, my wife, my 4 year old girl, proof of tax credit payments (bank statements are not sufficient need the award letter "does anyone who receives basic 10.50 per week tax credits actually still have these from april ffs. Also insisted i could get the statements over the counter and argue perfusely when i told her that was BS. Guess what? they all said post service and expect delays lol. Her other comments riled me also - your on a means tested benfit now sir so you will have to keep all this stuff - and it would have been much easier if i had claimed this sort of thing in the past years. no f'king wonder the council tax bills are so high here. So i don't know now how much rent i should be paying cos i don't know how much the will pay, i now have to stall the housing people and leave any new tax credit award in the bank just incase they say i got to pay more than is realistic. waste of space the lot of them!!!! Tax Credit helpline - Absolutely first class service, got a payment increase within days and they took all the information i had and changes in cirumstances i know are coming (wife pregnant and going on maternity after JSA her PT contract ends in december) they calculated our entitlement and gave us a full months payment and then swicthed us to weekly payments. so we got some money to live on and we can leave the weekly payments as rent intention because we don't yet know what the HB will say we have to pay. gas and electricity providers - too full of wanting to install pay as you go metering for my liking "to help me budget" lmao, they mean to make sure they can overcharge me. not at all helpful tbvh:mad: Dowside - my F'ing phone bill is going to be huge far to many 0870-0871-0845 numbers to ring. seems a right shame as i have 600 free minutes month on my mobile lol. Finally - the bank "yorkshire bank", very understanding and helpful with increases to OD to help with immediate problems - must confess i was a bit taken aback by there attitude cos they have never really been the listening bank if you know what i mean lol.:grin: But i left there feling much better i must confess. All in all not the end of the world just yet - i hope lol. so far i am thinking the most important thing is to keep proper lines of communication open with creditors and just keep pushing to get things sorted. no doubt i'll do all this and have a job in 6 weeks lol

my CC ppi's pay 10% per month on o/s balance for 12 months. i don't have a mortgage lucky me!! i could never bring myself to even think about taking that leap lol. I am an engineer, i deal with access control systems ect.. i don't for a minute think i will be unemployed for very long. But one must try not to take a too optimistic view on things i this situation and given the ecomonic state of the country. To be honest this will be my first time in a jobcentre and as far as i'm concerned if had been given my 7 weeks notice then i might well have had another job to go to, i have secured offers of employment a few times over the years to leverage pay rises . It is just the total financial shock of not even being paid for my worked weeks ect that has been a critical blow here. and of course even PPI's are 30 days behind so i am still having to make the minimum next payments on everything!! And as i said before the loans are not covered by PPI's!!

i only have PPI on my credit cards not my loans and the total repayments on those each month is £350.00. I have already had the forms for PPI claims on CC's and will have to get some form from Jobcentre and send them it with claim so i have that covered. I am rather more concerned with the uninsured debts i have tbh.

I went in to work last tuesday and was told my employer was bankrupt and receivers sent me home after taking my work keys. came as a complete shock after 7 1/2 years there tbh, my final wage wasn't even paid and for a week they wouldn't even tell me my employment was terminated. Despite me constantly ringing them, it was only after my wages were not paid that they decided to tell me and agreed to send me a termination letter. I have about 7k in unprotected loans my credit cards are covered by PPI and my catalogue bill is so low it is immaterial. My only default comes off my credit file in Feb2010, now i am looking at being in trouble with paying off my loans, what can i do about these loan repayments? one is with welcome and the other with citifinancial, and needless to say i am paying horrendous interest rates to these people - i don't need them destroying my credit file after paying so much in interest over the years. Do i approach them directly or do I use a debt management solution. clearly i am due a considerable sum by way of notice and redundancy holidays wages ect from my employer. I have started the ball rolling on that and will be posting my claim on monday to the RPO - they are probably overwhelmed at the moment. In an event, that payment when and if it ever comes is likely to have to last us quite some time and i can hardly see myself giving it away in exorbitant +40% interest rates to the likes of thse lenders. Any advice on what i should be doing here please? My wife works 6 months of each year on a temp contact, due to this the CSA are cutting her wages in half as they say she owes them back payments. I am given to understand that benefits such as council tax and rent do not take this into considertion whe making awards. she is pregnant and leaving work in a few months and we have a 5 year old. So presently while i have an appointment on tuesday at jobcentre to sign on we are having to live on £60.00 a week and pay rent of £80 elec and gas of £25 and council tax of £23 so as you can see i am only weeks away from a very serious problem in lieu of the fact i was not actually even paid upto date by my employer monies already earned and the receiver are blanking me and have frozen all the assets of my employer lol. Quick advice would be appreciated in all honesty peeps. thanks

I wouldn't even bother with anyone at branch level if i were you. Ring and get the number for the Compliance Team, run through everything with them (even they are hard work), then scan all the evidence you have and send it to them - give them 28days to act on what you have said. If they settled a loan of that size that was not yours then you paid interest on a non existant sum. They are going to have to rebate you n what they have taken plus the contractual rate as applied to thier own agreement with you. they will have to remove all the charges obviously also. Tell them if they do not reply or act with 28 days you will issue CC proceedings forthwith and without further notification in order to recover your money. If they don't comply issue proceedings for all your money back with interest. thats what i would do. I once asked a question of an welcome account manager pertaining to an account i had - i felt they had had too much of my money lol. He said oh you must of had charges, i said don't be silly my friend you know full well i have not incurred a single charge in 4 years (he's looking at the computer screen ffs). Oh yes he said i can see that now. I said "so why have you over charged me" - his final comment " I DON'T KNOW " these people working in the branches can be total retards - just go round them, when i did a cheque arrived in under a week!! A final word of warning - NEVER sign anything without at least scanning the document - ideally tell the salesman to Fook Off for 10 minutes while you inspect any agreement.

no help at all lol? for those in a similar position i will outline the way i intend to deal with it as a result of some enquires. First off a letter to your local magistrates court, include within the letter an incoome and expenditure form fr the relivant person (the one being robbed by the CSA) explain the effect this will have on your life and in my partners case prevent lawful contact as ordered in the County Court. Make your case in this letter and post it to the court, they will usually reply within 7 days. Obviously everyone has to pay maintenance rightly so, but in the case of arrears there is no reason they can justify extracting money at excessive rates such as 50% of your wage. In our case it would appear they LOST the variation application relating to travel altogether (they claim) however thay do have the petrol receipts and the court order posted with it. they then waffled about the fact that she couldn't get a discount for him staying so many days and for travel expenses, it is one or the other. needless to say they will know full well they applied the discount of the least value and lost the form. Magically they will now accept half the arrears and only take 35% of her income (like hell). Letter heading to magistrates this week as soon as she gives me her I&E details. Your magistrates court can sqaush or alter attachment o earnings orders if they feel there is just course to do so! I will post in here what the outcome of that is in due course as it might help someone else being treated like dirt by these telephone thieves.

My partner has had an attachment to earnings order sent to her from this CSA twonks. a little detail about whats gone on. We took her sister to court last year because she wouldn't let my mrs see her son, this cost us £7500 because she decided she was on legal aid so she dragged everything out to the point of the District Judge actually shouting at her sisters solicitor. We won staying access for about 100 days of the year, we have to travel on average 600miles every month to facilitate contact. My missus works for half the year. she earns about 130 per week (nothing really) Then her sister takes it into her head that she can screw us for maintenance payments, next thing CSA say hey you owe us 750 from last year and we want 10 per week this year. so now they sent her company and order to stop every penny above 75 per week. All well and good but she has too get a cab home 5 nights a week and that costs about 5 per day. the fuel alone costs us a fortune in my large family saloon. her sister refuses to even send the child with clothes for contact even when he stays for a few weeks, therefore we have had to furninsh a full warddrobe. the CSA say it isn't there problem and gave her 1.75 a week discount thats why its only about a 10 a week. By taking everything above £75 a week they make it impossible to faciltate contact which is entirely at our expense. we have only paid 6k of the 7.5k slicitors fee's from last year ffs. They insist she is entitled to nothing and they are going to take the money. I checked the tax credit situation and we would actually get 70% of what she is left with if she gave up her job. They won't listen and say there isnothing she can do about it. Is this actually correct ??? Obviously they can't take nothing from me cos it is nothing to do with me, we do have a daughter who lives with us. It just can't be right that they say they can steal 50 a week from her for months. she earned 200 a week last year for half the year she was unemployed the rest of the time and i had too pay he bills/debts wtf that means on average she got 100 a week so how do they qaulify 750 in arrears. Please Please some kind sole give me some advice on this.. the way things are going i will tell her too quit her bloody job and not sign on - claim the tax credits and tell the CSA to get lost, is that really the mindset these people want to give us?? Bloody bunch of thieves and liars, we have him for a third of the time buy all his clothes pay all transport costs and his food while he is here and she is getting treated like someone trying to dodge out of paying maintenance. Do you think it is worth going back to county court and having the district judge make a maintenace order to overule the CSA?? As i know they cannot act fr the claimant of a court order for maintenance is set... thanks for listening and hopuing for advice the the missus.

oh i feel much better now, thought my perception was totally naffed for a while there. I been in court representing myself a number of times (don't start it was county court rofl), i have to say i have always found both DJ and CJ to be most ammicable. It seems entirely logical that not many judges would be 100% on consumer law so concrete guidance has got to be a must. I have been aghast lately at some of the injustices i have seen in a few of the peoples court experiences on here. such as; you made payments to them, you used the card therefore on balance of probabilities there was an agreement but they must have lost it thereby they then go on the enforce the agreement WTF IS THAT!!??? Might as well stick in your own defence that "they sent me a letter saying i didn't have to pay them back but i lost the letter" it has about as much relevance does it not??.. "A few well placed commercial court rulings dating in 2009 will hopefully put an end to those in the judiciary that think creditors need protecting from consumers." just my thoughts on this

When i first noticed this thread i must of picked up entirely the wrong idea lol. I got the impression that this judge whatshisname was refering selcted cases to another court in order to get some set criteria in place from thse hearings. Hopefully to enable easy decision making in the CC. I.e speeding everything up. Straight forward script for assessing a CCA ect ect. did i get the wrong idea lol? is this infact some sneaky effort to stitch up the consumer again lol.

In light of the silence here lol, i have sent away the letter which included some data as to how the loss has been calculated as well as copies of all the relevant paperwork. I have presented my expectation of the reimbursment value as i see it - based on factual losses. I have reversed the agreements/payments and come to the conclusin that this error has cost me a compounded APR loss roughly equivalent to 200% of the missing payments. As well as payments made after the settlement figure was generated, not accounted within the final value paid in settlement (making another overpayment) I am confident i can proove the costs 100% and therefore if i don't get this resolved i will be back in due course hoping someone can assist me with my court claim:) please lol. I will report back in due course as to the outcome! the logic of my conclusion is thus, when applying payments made to the account the first sum paid from the monthly payment is to interest, what remains pays an amount of the priniciple sum. same as a mortgage in effect. as time goes by, the principle sum owed reduces (slowly lol). If the principle sum was higher than it should have been then interest has been paid at a rate stated in the agreement for all the missed/lost payments. While ever the principle sum is higher than the value of the missed payments a situation exists where the missed payments should be fully reimbursable and of course interest at the rate of the agreement is compounded on that sum during the term. Therefore if the amount of missed payments had been deducted from the new agreement the monthly repayments would have been lower, therefore the amont by which they would have been lower compounded through the 3 1/2 years plus the value of the missing payments must be the loss.. does anyone agree with this? I am quite good with programming of pc's but credit agreements and APR's are like a foreign language lol so a fresh pair of eye's would be useful. (doing this analysis made me never ever want to get credit again lol - i just realised how much of a rip off credit can be even at rather modest rates)

i purchased a vehicle on finance 3 1\2 yrs ago. It is now settled. anyway when i got it, i reviewed the arrangements for PPI and realised it was very poor value for money so i cancelled the PPI within 28 days. i was asked to sign an agreement to replace the other to exclude the PPI, which i did. Turns out when i did the interest rate went up and didn't notice, and none of the original payments on the old agreement were removed from the Principle sum. basically my prior payments "got lost" when i got the settlement figure i thought there was something wrong, it was way more than i have calculated. It didn't include the previous payments at all. - should i calculate the true loss as this total of payments at the compound rate of the agreement? afterall that effectively is how much more i would have paid. Furthermore there has been no account made of payments i made after receiving the settlement figure, imo this should have been deducted from the settlement also. with this in mind i actually owed almost nothing on settlement but i have had to pay a considerable sum. Of course i havn't just let it lie lol, i am issuing a letter on monday and the documents "they say they have no record of my former a\c no at all - but i have copies of all my agreements, statements from payment account (absolutley everything).". For all i know they will simply send back the overpayments, but they were very unhelpful on the phone, i am intending to launch a court claim if i don't get the response i expect within 28 days of issuing the letter which goes out monday. What i would like to know before i start preparing my court action is, is it likely the court will take the same view as me as regards the compounded APR from my first payments, since obviously i borrowing was infact therefore artificially increased and i paid interest on that rate, so that to represents my actual material loss?? any views on this please. Obviously it is not telephone numbers we are talking, only about £1K.

this thread is unbeleivable for goodness sake. this contract is implying an automatic rollover if you don't tell them it is ended? In my view a cancellation of a DD is a very clear indication of a parties intention not to renew, never mind woops you have missed the date cos we didn't receive a cancellation letter. In most of these other cases i would state catagorically that if they believe the contract will stand up in court then they should make the court claim! Dont start worrying about CCJ's i think you will find that if such a judgement is settled with a defined time frame then that CCJ will not be recorded. If you go to court prepared to lose but expecting you have a caseand the judge tells you, you have to pay these sums it just means pay them and thats the end of it, no recording CCJ's. If you don't pay up immediately then you would probs have problems with receiving a CCJ. If they lose claim your costs lol. I don't think people should be panicking over so called perpetual contracts, and certainly not a contract where they expect you to take actin by sending in a letter they can conveniently lose or not recieve. Another very clear indication of your intent not to renew would be not going to the GYM for goodness sake. If it were me i would be telling them i want all the fee's the charged to me back after the first years membership since they clearly were aware by your failure to enter there establishment that you had no intention of renewing after your 1st period of membership you simply forgot to cancell your DD. TBH imho they aint got a leg to stand on if you never even entered one of there establishments. Are these contracts signed in blood by any chance lol, there seems something very evil in there nature hahaha

next will come the notice of 72hours for home visit, wife got one of those from this bunch of fools yesterday. She was quite distressed she phoned me at work cos the letter claimed they were coming to look in her house for goods to sieze and would be making recommendations to the court (lmfao) SB'd as well lol oh and threats of court action ect.. Wish she would listen to me more often, when DWP wrote i told her ring and tell to sling there hook and if they g opassing to DCA they can expect to be named on the court filing as parties to harrassment. Anyway, i told her to ring DWP and lay it on em and tell to it would be in everyones interest and mostly thiers if they pulled the debt back from these clowns. Which she did, poor DWP rep got a right rollocking of her. unfortunately she then rang the debt collector and gave them a piece of her mind, sadly this took a while i will have to pay the bloody telephone bill cos its 10p a minute or thereabouts. Mind you poors fools won't answer her calls or even ring her back now lol - amazing what a bit of knowledge does to these clowns is it not? make sure your so called debt is not SB'd if it is tell em to FO

You are so lucky lol:D I been waiting for one of these twonks to knock on my door for 6 years heheheehehe. All that ever follows when i get unexpected knocks is the postman and maybe from time to time a neighbours asking me to move the car:cry:. just put a sign on the door, NOTICE UNEXPECTED CALLERS PLEASE BUGGER OFF.. UNLESS YOU HAVE AN APPOINTMENT. Then if they knock i supposw you could just whip the door open real fast and lob a bucket of water out, when they reel backwards aghast - just say "bugger me dude, what you hanging out here for, your right in me way - can't ya read man/woman (delete as app)" Slam front door make way to armchair and sit down for 10 minutes to give yourself time to stop laughing:D