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CPFC84

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  1. Hi all, just wondering if i could get some help. me and my ex wife decided to get a loan back in 2017....i was continuing paying it but she didn't even though she promised me she would pay it as i agreed to it... and we split up in 2018, i was sectioned under mental health due to her behaviour. short story... i came out 6 months later and she did not pay anything, my inbox was full, my phone with voicemails. i was not expecting this..... this loan was for £2000, i tried to call her obviously she changed her phone number and email address, 2020 still not heard anything from her.... sent her letters she choose to ignore it..... so i thought i come on here.... see you can make a complaint about responsible lending credit search.... behold just got a reply from progressive money.... i've also complained to amigo loans.... that is again she didn't pay anything... checked credit karma £11,876 on £7000 loans... hopefully something comes out of this.... - Summary Resolution Letter .pdf
  2. be careful this is a fake email, i had this email over the weekend, dont click that link, go to the official site and you put that ref in and it not even real
  3. hey, can you help me send a affordability complaint i've been fighting these's guys since 2017 also now my loan is 11k did not know you can do this? what template did you use? thanks
  4. they talk ages to reply via email i need to get things rolling quicker,
  5. some have gone now even the welcome finance one i had few years ago the ccj, im in middle of talking to Lowell as they have decided to buy old accounts and try give me 2 ccjs
  6. i have now - just want the debt to stop going up its getting to a stupid amount now. its causing me more depression as ive been struggling to get straight for over a year now not touching credit i want to get a mortgage soon ive been homeless last few months i've moved 3 times, i've been saving.
  7. Amigo has customer services who are rude they send users emails regarding payments and affordability. Amigo then "refers to a team called court team who will process the court proceedings if there is no solution of payments" i got an email from a guy back in may to say "dear xxxxx As you are probably aware the default letter expired 22nd January 2018, As we are yet to have an resolution in place to clear arrears the account has been assessed for court action going forward. it is extremely important that you call us today so we can try clear the arrears or put a plan in place to do so, the arrears stands as £3,873.38 <---- which i cant due to my mental health and losing my mum and depression. i did state to the guy he responds to that, Yet they still add interest and add so many defaults each month. £11,876,000 now.
  8. Nope i have not had any letters but i have moved several times this year, but am settled now into a new place, i have had redirection letter setup since ive moved in,
  9. Hi All, it's been a while since i've posted, 2017 - my life changed and i got married in may , during this time we had a house through her name as i had bad credit, my wife and me was struggling to pay mortgage so we took a 5k max loan with repayments of £200 per month and i was paying this, october 2017 i was made redundant i didn't get any pay out as i was there under a year, we spoke to amigo loans who were rude to me and my wife and we was arguing with them, we was struggling to pay amigo and all other bills they wanted to do a wage check to see how much we can afford - we offered £100 per month but they got angry with us and rude and threaten to take us to court. it took a toll on our marriage, december we spoke to them again and offered £150 i was doing minimal work as it was christmas period and this took even more stress on our relationship with debts coming up. again they were rude and threatening to take us to court and we are in the boarder line to the court team. Jan - 2018 we split up as everything was causing us non stop stress - i was admitted to a mental home for 6 months during this time i didnt have my phone until i came out i was greeted with about 100 text messages and voice notes and emails to say to contact amigo, plus suffering from depression i sent amigo an email to let them know, several weeks later i got sorry to hear that you are suffering "if there anything i could do as we dont want this to happen to you we have a support line" and please contact us to discuss your payments, i emailed them to say im out of work and willing to offer £20 per month until i return back to work and got better, November 2018 - amigo emails me to say they are in process of taken me and my ex wife to court - to avoid anything please make a payment and discuss wage affordability. i sent a stinking email to say im still suffering from depression not working still unable to pay. January 2019 - I got a email from court team to say they are going to proceed with ccj i made a huge complaint about them, and more bad news for me i was admitted to hospital with inflamed stomach and gall stones i was admitted to hospital for two months until i was better no op date to have gall stones removed. i checked my emails every day heard nothing back, I lost my my mum this year also july/august and i thought i check my noodle (credit karma ) upon result even asking them to stop interest and help me out the loan is now well over 11k, it's stressing me out and effecting my credit report i have not any credit.
  10. I've been charged three times with natwest by going over my overdraft twice One for £54 and to other charges of £6, £6 i've complained so many times i dont ever get refunded... im always stay within my overdraft.
  11. oh you got the same as me sorry to overtake this post but 24/7 are **** been fighting them for months and i got a final response last week on a £100 loan charges and on my noodle as active security, Hope that you are well. Please find below a copy of our complaints procedure. I would like to take this opportunity to write to you to set out our final response to the complaint you raised with regards to your account. As part of this response we have taken into consideration a number of factors including a review of the notes on your account and all correspondence. The courses of events, as we see, are as follows and will provide context to our conclusions. If you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service (FOS) but you must do so within six months of the date of this final response. Separately, you may also refer the complaint to our trade association (BCCA), this does not stop you taking your complaint to FOS. As per my email below, I notice we never received a response to our offer. We are still happy to accept £50.00 in final payment on your account in order to settle your complaint in full. Kind regards, Fiona
  12. Yeah I checked my emails I have under tooth fairy last contact was 2011 since then nothing.
  13. that's the thing I was speaking to them on live chat to see why they chasing even though it's like more than 6 years old it's not on my record either.. .so am not bothered... .and they replied cause the debt is not statute barred and they "apparently have chased " DHR Capital Limited" I've had no letters , no emails but researching more this "DHR Capital Limited" is Capital Resolve from when it was 2011 they last chased me.... either i should report them to finance ombudsman for a really old debt or try a claim for a tooth fairy even though the original loan was £100 lol
  14. Hi Guys, just given heads up or if anyone heard from this lot just got an email on a really really really old debt. Re: £Stg600.00 outstanding to our client DHR Capital Limited remaining from your loan with Tooth Fairy Finance. We are contacting you further to notices issued by our client in respect of the above outstanding debt. Please use fact-link for further information about your liability. Our client has confirmed that you have not contacted their offices to arrange settlement and we have therefore been appointed to bring this matter to a mutually beneficial conclusion. Please call 01707 252 909 or use live chat to arrange payment or discuss this matter with an account manager. Alternative payment methods and other information are listed below. Do not ignore this notice. It is important that you contact our offices immediately if there is any reason preventing you from making payment or you have a query which has not been resolved. Our company operates a 'Treating Customers Fairly' policy and our trained account handlers will ensure any proposals or enquires are resolved in a reasonable and fair manner. We look forward to hearing from you at your earliest convenience. Yours sincerely Alan Peters Collection Department Ways to Pay By Phone - call us on 01707 252 900 to make a payment using your debit card. If someone is paying on your behalf, or you are using their card, please ensure that they are available to authorise the payment. By the Internet - visit http://www.advancedcollection.co.uk/payonline You will need your account reference number By Online Banking - you can use your online banking service to make a payment to:Sort Code 20-92-54 | Account No 10060291. Please quote your ACS reference to ensure your payment is allocated correctly. At Your Bank - pay over the counter at any branch of your bank, building society or Post Office, quoting your reference and account details as above. By Cheque - made payable to ACS Limited and sent to our offices at:Steele House, 126 Great North Road, Hatfield, Herts, AL9 5JN.Please ensure your ACS reference is written clearly on the back of the cheque. By Pingit - you can use Barclays free Pingit service to make a secure payment fromyour mobile, even if you don't bank with Barclays. Just launch the Pingit app onyour mobile phone and use the short code PINGITQZQ910. If you don't have the app you can download it by texting Pingit to 62555. In Financial Difficulties? If you are having difficulty paying, please contact us as soon as possible. Ignoring your situation won't make it go away and we may be able to help. There are also lots of organisations* that can offer independent advice about debt. Here are a few: Business Debtline | http://www.bdl.org.uk | Freephone 0800 197 6026** Step Change | http://www.stepchange.org | Freephone 0800 138 1111** http://www.adviceguide.org.uk Advanced Collection Systems Ltd, Steele House, 126 Great North Road, Hatfield, Herts, AL95JN Tel: +44 (0) 1707 252900 Fax: +44 (0) 1707 252901 Email: admin@advancedcollection.co.uk Authorised & regulated by the Financial Conduct Authority under licence number 664331 Registered in England & Wales at: Steele House, 126 Gt North Road, Hatfield, AL95JN. Co No: 4096010
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