roxy2010
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Can anyone give me advice on here about this payday loan company. I have paid these on time till last month as my partner has Crohn's and was admitted to hospital so we were in financial difficulty. I emailed them on several occasions offering a repayment plan which they ignored. They are now asking me to provide a I+E bank statements & wage slips. Am i legally obliged to provide these or am i within my rights to just pay what i told them i would pay which would have the loan paid up within three months
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MK Rapid Recoveries & old welcome secured loan
roxy2010 replied to roxy2010's topic in Welcome Finance
Dear dx There is no dispute we know we owe it but dont know the best way forward do we write back to them and ask how much they are willing to reduce the loan this means we acknowledge the debt. Its just that you read on here that people just ignore the letters my partner & I do not want to end up in court we had enough of that 4 years ago. -
MK Rapid Recoveries & old welcome secured loan
roxy2010 replied to roxy2010's topic in Welcome Finance
Dear DX100uk The loan was taken out in 2005 stopped paying in 2010. -
MK Rapid Recoveries & old welcome secured loan
roxy2010 replied to roxy2010's topic in Welcome Finance
Can anyone give some advice on here. My partner & I were repossessed in August 2010 we were advised to take a mortgage with Preferred & a secured loan with Welcome which we obviously have now found out they are dodgy companies. We have not heard a thing from the mortgage company but have had a few calls and a letter from Mackenzie Hall re the loan. We are now getting letters from a company called MK Rapid Recoveries offering to reduce the debt if we contact them. They are also saying if we dont contact them they will take legal action. We dont know what to do we obviously dont want to be taken to court but on the other hand we dont want to acknowledge we live at our address what should we do as when they say they will reduce the debt it is for £23.000 they will probably reduce it by a few grand please help. -
Can anyone please give me advice on this company. I took out a payday loan with Wageday Advance years ago which i thought id paid off. I recieved an email from Motormile saying that the debt had been passed on to them and that i owed over £200 i asked them to send me the credit agreement with amounts paid. They sent me the agreement but not the amounts paid. Since February they have bombarded me with emails phone calls & text messages whilst i am at work. I am willing to set up an arrangement of £5 a month and have sent them emails regarding this but they have ignored everyone i have sent. I am now getting calls messages at work threatning to come to my home unannounced I have told them i will contact the police if this happens but they are just ignoring everything i send them what else can i do ??????
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Dear plodderton Thank you for your reply. It is September's payment of £25 i have missed. I just want to pay double end of October then continue to pay £50 a month thereafter they havnt written to me yet do i just wait for a letter first before i apply to the court.
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I have a county court judgement which I am paying £25 a month. I have missed one payment but next month can make up the payment i want to start paying £50 a month thereafter to try and pay the debt off quicker. What can I do ? Have tried to find out online but all I am reading about is baillifs was repossessed in 2010 can't go through that again.
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Lowell - Getting On My Nerves - shopacheck debt
roxy2010 replied to roxy2010's topic in Welcome Finance
Dear Brigadier I dont remember having three seperate accounts. According to Shopacheck i only owe £160 thats why i was disputing it. -
Lowell - Getting On My Nerves - shopacheck debt
roxy2010 replied to roxy2010's topic in Welcome Finance
Dear All Thanks for the replys. They have sent me three seperate reconstituted agreements. If these are legal then i will have to arrange a payment plan with them. I was just questioning whether they were legal as they didnt have my signature and also Shopacheck sent me a letter stating i only owed £160. -
Posted on here a few weeks ago about a debt I had with Shopacheck that had been passed on to Lowells. I disputed it as Shopacheck said i only owed £160 but Lowells said I Owed over £500. I asked Lowells to send me the CCA and told them of the timescale. They told me that they didnt have to comply with the timescale and that they would send me the CCA's as soon as they could. I have now recieved a letter with three CCA's these are not the originals as they dont have my signature on them. Is this acceptable or should they be the originals.
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Dear DonkeyB No need to be funny never had to do this before !!!!!
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Dear All Thanks for all your replys. The original creditors were shopacheck & capital one. The reason I have sent them a cca request is because shopacheck sent me a letter saying they had sent the debt to Lowells and that i owed £160 i have no problem paying that but lowell say i owe over £500. They didnt respond to my request in November so really i should of sent the dispute letter after that as they didnt comply with the 14 days timescale. Do you think i should send the dispute letter now. I only recieved a response from them last week and the letter was sent on the 14th March.
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Dear All Thanks for all your replys. I have not sent them by recorded delivery do you think i should send the request again or just wait until i get a response from them.
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I would like some advice re two debts that have been passed on to Lowell. I requested the credit agreements last November and never heard anything. I requested them again two weeks ago and told them they had 14 days to comply. They wrote to me and told me that my accounts were on hold but they dont have to supply the agreements within the 14 day timescale as the agreements are not in their office. Is this correct ? I know you have templates in your library which state there is a 14 day timescale.
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Dear renegadeimp This is a default fee.
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Dear All They have now sent me an email this morning to say that my account is in default and they have added £12 to the account. They have ignored the fact i asked to pay a lower amount for the next two months in my first email i have sent them two emails since then and they have ignored them also. The email that they sent said they would defer payment till April then they have tried to take the payment yesterday dont really know what to do next.
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Dear renegadeimp This is my account summary not sure what the interest is. Next Payment Date 25 Mar 2013 Next Payment Amount £94.50 Make A Payment Loan Account Details Loan Amount £315.00 Loan Active Since Feb.27, 2013 Last Payment £0.00 Date of Last Payment Nil Total Amount Due £94.50 Total to Repay £409.50 Make A Payment Payment Schedule Date Amount Due 25 Mar 2013 £94.50 25 Apr 2013 £157.50 24 May 2013 £138.60 25 Jun 2013 £119.70 25 Jul 2013 £100.80 23 Aug 2013 £81.90 Contact Us Ask A Question NPS Banner 0845 351 1482** We're here 24/7
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Dear renegadeimp This is the email that was sent on Saturday am. We provide short term loans at the rate of 30% interest per month. In the first month you pay just the interest on the borrowed amount. For a six month loan from the second month onwards you pay 20% of your principal (loan amount) plus the interest on the outstanding principal, so that your loan gets paid off in full in six months. Therefore, the payments defers from month to month. At any point of time, if you wish to pay off your loan, you will pay the outstanding principal plus the interest on the outstanding principal for that month. Moreover, We do understand that you are experiencing financial difficulty and we are willing to help you in this matter. So, to set the payment plan for your loan agreement please send your income and expenditure details in a non-editable format in the attached spread sheet along with your latest pay slip (PDF, JPEG or JPG). Once, we will receive the relevant documents from your end, we will proceed with your concern accordingly. Furthermore, we have stopped our automated system to make the transaction from your bank account till 22-04-2013. If you wish to discuss setting up a new payment plan, please contact our helpful team of payment negotiators on 0845 351 1482 from Monday to Saturday 8 a.m to 8 p.m, or email us at [email protected] if you have any further question. Regards, Customer Care Team, Lending Stream Email: [email protected] Website: www.lendingstream.co.uk This message was sent by Lending Stream LLC | Contact Address: Lending Stream, Wisteria Camrose House, 2A Camrose Avenue, Edgware, Middlesex, HA8 6EG, UK. | Registered Address: 2711 Centerville Road, Suite 400, Wilmington, DE 19808, USA | Registered in the State of Delaware, USA | Registration Number: 4124111
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I stupidly took a pay day loan out with these people as my partner has been on long term sick. When i looked on there repayment schedule it didnt make any sense. This month it was 98.00 then next month it was 158.00. I asked if i could set up a new repayment pan and offered to pay 35 this month and next and when my partner returned back to work in May i could pay a lot more. They sent me an email back with an explanation why the payments were different each month but it didnt make any sense to me. They have asked me to email them an I+E and my payslip and wont take any payments till the 22nd April. At the bottom of the email it goes on to say that if i want to set up a new repayment plan to get in touch with them. This is what i have done and they seemed to have ignored it do you think they have done this on purpose. It states on my account that i borrowed 315 and that total repayment is 409 but according to the schedule i am clearly paying more than that. I have sent them a further email this morning stating that i have asked for a new repayment plan and i am offering to pay something i just cant afford what is on the schedule for the next two months. Any advice on these people will be greatly recieved.
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MK Rapid Recoveries & old welcome secured loan
roxy2010 replied to roxy2010's topic in Welcome Finance
Dear dx100uk Are Welcome still trading thought they had gone in administration. When we were repossessed they never got in contact with us it was as i said Irwin Mitchell and M Hall. We were repossessed by Capstone when there was a lot of things wrote about them by the press about their not so legal tactics ie adding charge after charge to your account. I even think the repossession was dodgy as the mortgage was with Preferred and the repo said Capstone. I should of taken legal advice at the time but we were both devastated at losing our home. If i send a SAR to Welcome have they a timescale to adhere to. -
MK Rapid Recoveries & old welcome secured loan
roxy2010 replied to roxy2010's topic in Welcome Finance
Dear citizenB I went through a company for that as there was PPI added to the loan without our knowledge. The amount was around £3000 they took ages to respond to any letters they finally agreed to pay out but said it would be added to the sum owed to them. The company that were dealing with it said Welcome wanted to know our new address and until they got it nothing would be done so told them to forget it. I have also looked at my credit file and there is no mention of Capstone and any shortfall owing there is Welcome on it just cant understand why we havent heard anything from the mortgage company not that i am bothered but know for a fact we wont get away witn it. -
MK Rapid Recoveries & old welcome secured loan
roxy2010 replied to roxy2010's topic in Welcome Finance
Thank you everyone for your replies. The loan from Welcome was a secured loan that was added to the mortgage to make it a 100% mortgage this started in September 2005 last payment in 2010 sometime. When we were repossessed the house was sold by Halifax for about £30,000 less than what we paid for it. Since August 2010 when we were repossessed we havent heard a thing from Capstone re the shortfall or any breakdown from anyone. The only correspondence we have had is from first Irwin Mitchell who were chasing us first re Welcome Finance now Mackenzie Hall. I really dont understand all the legal stuff think thats why we were shafted from day 1 when we bought the property. We just dont know whether to offer them a payment of some kind we just dont want to end up in court as been repossessed was an experience that has scarred me for life. -
MK Rapid Recoveries & old welcome secured loan
roxy2010 replied to roxy2010's topic in Welcome Finance
I have asked advice on here before about this matter. My partner and I were repossessed in August 2010. The mortgage was with Capstone we also had to get a secured loan with Welcome finance to make it up to a 100% mortgage. We haven't heard a word from Capstone about the mortgage but have had phone calls and now letters from the above about the loan. The latest letter we have recieved which was Friday states that if we don't pay £23000 by Monday they will be taking further action. I said ignore it but he is panicking about it is there anything I can tell him to reassure him or have I to write to them and tell them we will pay them a £1 a month. -
Can't believe the letter I received yesterday re the Capital One account. The letter states that because we have two months off paying our council tax and water rates then I should pay them something then it goes on to tell me what I should pay them this month and next unbelievable.
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Dear DD I owed Capital One over £200 still waiting for that credit agreement to be sent. I have had a few of my debts passed on to them. One debt was from Aqua i asked them for the CCA last year and they have finally replied saying that they have no credit agreement and they arent going to pursue it further hopefully this will happen with these i doubt it though.
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Reclaim the right Ltd
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS