Thank you for the reply . I will sar the Halifax and then post up details as see where I stand .I am a bit frightened to stop paying the shortfall incase they start court action .I have cancelled the other payments to credit cards that have been sold on as no longer on my file .Thanks

Can anyone give me info on my question please ? I have read back the threads and did say I was doing all I could to avoid going bankrupt and have no regrets that we didnt go down that path . We are based in Scotland and just need to know where I stand with Moorcroft and the shortfall . Should it show anywhere on credit file ? I also would like to add we do not intend having any debt as I think we learned the hard way! but would just like to have it all cleared .

Hi DX, We actually did take advice and ignored the ones that had no paperwork . We part settled many and only made arrangements with a couple , The house was sold not repossessed and there was a shortfall which Im sure we had to pay . I have cancelled the payment to the other 2 as no longer on our credit file . I did not want to face the shame of bankrupcy and felt it was our own fault for taking on too much debt and have worked hard to get back on our feet . Not sure what you mean by statue barred the shortfall? there is nothing else on file apart from showing closed account .

Thank you , There is no question that we owe the shortfall but as said we will be paying forever ! Do you know if this debt should be showing on credit file and for how long we will have to pay it ?

Hello, In 2013 we sold our home with a shortfall of over 37k. We had an arrangement in place with Shoesmiths through the Halifax and had continued to pay £40 per month . In March this year the Halifax wrote to us and advised they had transferred the debt to Moorcroft group , No reason and no missed payments . We have continued to pay Moorcroft at same amount . My question is there is nothing on our credit file and mortgage shows closed and nothing showing anywhere for the shortfall . We will be long dead before this is paid ! Will we need to pay this for the rest of our lives or is there a time limit ? We have also been paying monthly payments to CSL AND lowell for debts that are no longer on our credit file , Can we stop paying ? Many thanks in advance for any help . Much appreciated .K

Hello, On the Archive dated 5th May it shows the Laptop offer, I am unable to open to see terms etc , Is there anyway of getting the details to show offer was still on the wedsite when I booked ? This was definately there when I booked the offer .Thanks

Hello again, I use Google but not sure how to send a link etc

Thank you for the reply. Unfortunately I dont have any link , I just ordered on the website as I normally do. There was no code to enter just nhad to order and select buy now pay later terms. I ordered on 4th june and stated when ordering the cash back credit would be applied to the acc. I would never had ordered the laptop if the offer had not been on their page but thought it was a very good deal.

Hello, I hope I can get some advice please. I seen an offer on Littlewoods website for 20% cash back on all laptops , I said to order and select buy now pay later at check out and that 20% credit would be applied to acc, I did not have to enter any codes at all. Recd laptop but no credit to acc after 3weeks I called them today and was told that i ordered on 4th june and offer ended end may! This offer was on the website and i followed instructions for the offer. Can you tell me where I stand as seems they are not going to honour the offer. I have no proof as didnt take a screen shot but would like to know where I go from here ? Can I return the laptop ? it has been used but I would think under the credit acc I have been missold . I am happy with the lap top and happy to keep but not without my cashback offer and the lap top was over £900 so it is alot of cashback that is due to me. Any advice appreciated.

Not sure if I should email as then they will have my name! I could always send a letter recorded delivery to him, what do you think guys?

Hi, Can anyone advise what to do with regards to getting letters from a company called first utility. I have recd 3 letters addressed to the occupier at my address, we have never heard of them and currently have our electricity and gas from another company and have done for many years. 1st letter asking for £101 for supply of elec and gas from 2013, I ignored this and then a more formal letter demanding payment, I sent a letter and had no reply and just stated that we have not heard of them a nd advised we have proof of our supplier and to stop sending letters. Today a letter urgent action required, stating if we dont pay within 7 days acc will be passed to debt agency, also states potential costs for warrant, site visit, instal of pre pay meter or disconnection! I am at a loss what to do as letter is not addressed to me just the occupier and we have definately never used this company. I have proof of all my accounts and payment to my current supplier and meter readings, the meter reading they show are nothing like ours at all - Please someone help.

sorry for the late reply, there is no ppi or charges on the barclays account, we sent a letter and they have failed to respond although letter was signed for, we have until today to pay, called barclays and they say the letter they sent was stating they were accepting a full anf final settlement and the account would be marked as partially setl. ted and that this was normal they also stated account would not be sold on . should we pay?

Hi , sorry for delay in reply, checked noodle report and debt showing in default, this was a refinanced loan and we owe the money, we asked for f&f and advised it was to prevent bankrupcy, we have sent letter asking for account to be marked settled in full and just waiting on a response. Thank you

Thanks for reply DX, i just want to to do the right thing, not interested in my credit file as have no intention of ever repeating the debts . I take it we should write back asking for it in writing that they mark the debt fully settled on credit file and remove negative markers? The letter does say they would accept f&f settlement of the debt is that not enough ? k

yes why? im happy to pay just need to make sure the letter is okay . thanks

Have tried to settle with most creditors as want to do the right thing , letter today from Barclaycard loan, we req f&f on a £6k loan and we recd a letter today, we write to advise we are prepared without prejudice to accept £1.500 in full and final settlement of the debt provided payment is made by 10/09. can anyone advise if this letter is okay as im happy to go ahead with this if it is.

e chi just had a letter from bos saying that they have been unable to uphold my ppi clain, In 2012 we had a successful claim from bos for a loan with front loaded ppi for a loan that was taken out in 1998, we found paperwork for another loan dated 1997 again front loaded ppi, we put in a claim and advised the same as we did on previous claim that ppi was not needed as in full time employment and full sick pay, we also were advised that we had to take the insurance to get the loan. second claim also had a guarantor should we default or miss payments and was witness to what was advised. Now the same company and both front loaded and both loans we advised we didnt need ppi but were advised we had to have it to get the loan, first claim upheld but this one declined , reasons as at the time of sale that you would refinance your loan, whether you did actually refinance and the overall financial impact to you of any refinancing.We have concluded that it was not inappropriate to have reccommended a single premium to you. Optionality, I can confirm that ithas never been a requirement to take out ppi policy in order for a loan to be accepted, in addition taking out a ppi policy would not have improved the chances of the application being accepted. Conclusion, I have therefore come to the conclusion that you were made aware of the optional nature of the policy. Can anyone advise how we appeal this? how can they accept missold one loan and not the other? both exact same circumstances in employment and ppi not required and told we have to have it. please can someone advise how to proceed.x

Can anyone advise about full and final offer for overdraft debts? cabot have been sold our o/d, do they need supply me with anything to say they bought the debt? are they likely to accept a full and final and if so is 25% likely to be accepted.

Hello. can anyone supply me with an email address for fredrickson international limited please.

I have sent a letter with the template from national debtline with full and final offer, we just have to wait on reply. will keep you posted.

hello again, They havent exactly offered a discount but is a part on the form for us to put an offer for f&f ! should we fill in the income and expenditure?

no its not the overdraft it is the morgage shortfall

hello , advise what to do . got a letter today from shoosmiths llp solicitors instructed by bos to recover balance outstanding, Saying the balance is our responsibility and its important that a mutually acceptable payment is agreed at an early stage. saying our client wants a reasonable resolution and should we be unable to pay in full other options are available which will enable us to resolve our liability as soon as possible. want us in the first instance to call them but enclosed is expenditure form and payment proposal for full and final asking to state the full amount we wish to offer in f&f and other option monthly payment offer. dont want them to be checking this site so lets say the outstanding balance is 40k, we want to offer 10% is it likely they will accept? should we also do the income and expenditure ? also states we can email them. help please

Thank you.

Hi Citizen, not sure the case with a&l would apply to me as we didnt have a repossesion order they simply allowed us to sell knowing there would be a shortfall, we had said we were going to declare bankcrupcy but are now trying to avoid at all costs. going to see if someone on here can help me draft a letter hope someone can help as we have no idea how to word the letter for full and final .