paxon
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Next Credit Payday Loans
paxon replied to paxon's topic in PayDay loans and Short Term loans - General
I meant it was rejected, sorry for the confusion -
Next Credit Payday Loans
paxon replied to paxon's topic in PayDay loans and Short Term loans - General
Ahh, yes i did add this into my original complaint back in June and it was upheld. No worries though i will just have to pay and live with the bad credit for a little longer. To me it is strange though as hypothetically if i never pay them they could report the loan as "late payment" till the day i die, what just does not sound right at all. I trust you word though as you are a very experienced poster. Thanks again for taking the time to reply. If anyone else has any magical ideas please do let me know. Thanks all -
Next Credit Payday Loans
paxon replied to paxon's topic in PayDay loans and Short Term loans - General
Thanks again, Can you clarify what the "IR" route is. Many thanks -
Next Credit Payday Loans
paxon replied to paxon's topic in PayDay loans and Short Term loans - General
Thanks so much for your reply- I may have misunderstood the process then. From the ICO website it says- Generally by the time the account is 3 months in arrears, the lender may be taking further action such as reporting the account as defaulted (see Principle 4 below). Missed payments may continue to rise and be reported up to a maximum of 6. On some products this may continue to show as 6 until the lender takes action and reports the account as being in default. The exceptions are- There are exceptions to this which may result in a default being recorded at a later stage, such as secured or long term loans e.g. mortgages, or if the product operates in a more flexible way e.g. current accounts, student loans, home credit. http://www.scoronline.co.uk/sites/default/files/high_level_prinicples_document_final.pdf Any advice on that? Thanks in advance -
Hi a bit of advice needed I had a payday loan with Next Credit. This loan was taken out in early 2013. Unfortunately due to serious debt issues I was unable to pay. Moving forward to 2016, I checked my credit file and Next credit had been reporting the loan as “late payment” for 3 years, no default. I made a complaint with them regarding this and they sent a final response in June 2016 saying “your credit file is a true reflection of the status of the loan”. I was going to raise this with the ombudsman but to be honest I forgot. I want to get this sorted I am happy to pay the balance (what currently is 2.8 times the loan amount) but I feel 3.5 years of late payment markers is unfair. If I pay this now it would be a further 6 years until this falls of my credit report. My question is what can I do, I understand I am out of time to complain to the FOS. I did make a complaint to the information commissioner's office, 4 months ago but I have not heard anything (I have chased this up and they keep saying they are busy) Is there any other options, could I file a county court claim maybe? If I can what would I file it under- i.e- mishandling of personal data? Any advice would be greatly appreciated.
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cheers guys, just called the court and it is,- if they receive a defence on the due date i.e the 14/28 days mark , they put a bar on the claim to stop you requesting judgement by default. nothing more. thanks again though.
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cheers guys.
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Hi guys just a quick question for anyone who kbnows, I am taking my employer to county court and they have submitted there defence and on the moneyclaim website it say- "A bar was put in place for ( company name) Limited on 04/08/2014" Does anyone know what this means? Thanks in advance.
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Hi as well part of my claim is for a unspecified amount, due to the new court charges I am unsure what to pay, I am initially claiming up to £3000 but there is a possibility it can go over that so what fee should I pay and will the court refund you part of the fee is you pay a higher amount and claim end up being less
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Good morning, I am currently in the process of taking my company to court for a breach of contract claim and I am having a real hard time finding a guide on the internet as to how the court works. I just have a few questions if anyone is able to help it would be appreciated. 1- how does a county court work, what I mean is first I submit the particulars of claim, at this point do I have to attach all and any supporting paperwork? There are literally about 200 pages of supporting docs. Can I just bring that on the day or do they want that attached? If yes will my claim get struck out if I bring extra paperwork on the day? 2- Is the particular of claim the document I read in court or is it like a tribunal where I would prepare a sort of bundle before? There is so much by way of back round I would need to tell the court and the poc is limited on what you can put on it.
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CPA, Pay day loans and Switching accounts
paxon replied to floricita's topic in PayDay loans and Short Term loans - General
probably not, but better to be safe then sorry. don't use the switching service do it your self. -
what is there website address?
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15 lenders stop trading?
paxon replied to paxon's topic in PayDay loans and Short Term loans - General
yeah that helps thanks -
apparently according to various news reports, 15 lenders heave left the payday market ahead of the oft/fsa deadline to sort out there business practices. Does anyone know what ones have closed up shop?
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Repayment plan complete... But problem
paxon replied to Irishson's topic in PayDay loans and Short Term loans - General
yeah give them a call and ask why.
