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About xxmcvapourxx

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  1. they talk ages to reply via email i need to get things rolling quicker,
  2. 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
  3. 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.
  4. 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.
  5. 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,
  6. 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.
  7. 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.
  8. 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
  9. Yeah I checked my emails I have under tooth fairy last contact was 2011 since then nothing.
  10. 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
  11. 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
  12. Thanks for the reply, they ask you to log into the mmf website to find out the debts. i can tell they are more then 6 years old.
  13. Thanks dude, i did have several defaults with them several years ago then disappeared if they do it again i'll go mad,
  14. Hi Guys, I just got this from MMF. CURRENT OUTSTANDING BALANCE: £1777.50 Our efforts to contact you are becoming exhausted as we have made several attempts to offer you a repayment solution and even a discount. In light of this we are preparing your account for one of the following possible actions: Legal Assessment - your account may be sent to our legal partner Moriarty Law, who will assess your account to determine if legal action is suitable. If they consider this to be the most appropriate action, we will inform you of the next steps. You should be aware that there may be additional costs in the event that legal action is taken. Assignment of your account to one of our external debt recovery partners, BPO Collections Ltd, or Themis Recoveries. You still have time to set a plan with us if you contact us within the next 7 days. There are several payment methods available to you, as previously advised we are happy to discuss together the available solutions in line with your circumstances. You can now manage your account online by visiting http://www.mmile.com/myaccount. If you prefer you can email us at customerservice@mmile.com. The details needed to set your plan are: Date of 1st instalment Payment Amount Frequency of Payments Preferred Payment Method Please ensure that your priority bills are up to date for example rent / mortgage, utility bills, council tax to make sure your payment is affordable. If you are experiencing financial difficulties please be assured that our specialist team will be able to assist you. Information pertaining to this account may be registered with credit referencing agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future. You can contact us on 0113 887 6876 if you wish to discuss your account(s). We look forward to hearing from you. Yours sincerely Motormile Finance UK Limited (MMF) I've never heard of them or any debts witht them?
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