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Everything posted by foxtrotoscar

  1. Hi caggers, wonder if anyone can help me, ive just started renting a property. (yesterday) I need to sort out the gas, electric, water and council tax (council tax paid up until 01/08/15) I've never done this before. Do i simply go on a comparison website and find the cheapest quote? also is fixed rate better and do i need to know current readings? your advices would be very much appreciated
  2. Yeah there is an attachment that looks more eligible... So if they do go ahead will the default date be 2014? The reason I ask is my last default was back in jan 2011
  3. Hi guys wonder if you could give me some advice! Got a loan out with txt loan bk in 2010 and don't think I paid if bk as I I had over 15 payday loans on the go at any one time! Anyway I got the below email with a couple of attachments Will the default go from when I took out the loan or from the default dat? Default Notice This letter is important – please do not ignore it We have contacted you several times regarding your unpaid loan but have not received payment from you – the balance now stands at £90.00. We are now giving you 14 days’ notice of our intention to register a default against you. The default notice together with an information leaflet issued by the Financial Conduct Authority is attached to this message. Registering a default is the step that we must take before we are able to take legal action against you. You can avoid this by repaying the money you owe or by contacting us and making a repayment arrangement. You must act without delay to prevent the default being registered. You can make repayment Online Log in to your account at www.myjar.com/login using your PIN and registered mobile number and select REPAY NOW By Text Send a text to 82777 with the words LOAN REPAY from your registered mobile By Phone Call 020 3006 2000 and select option 1 and follow the simple prompts Contact us on Phone: 020 3006 2000 Email: [email protected] Ring Back: text the words Ring Me to 0786 000 4500 and let us know the best time to call you back (standard network rates apply). Live Chat: Log in to your account and use the Live Chat feature. Our customer service team is available: Monday-Friday 6:00 AM - 11:00 PM Saturday 8:00 AM - 6:00 PM Sunday 9:00 AM - 6:00 PM Yours sincerely MYJAR Collections and Recoveries IMPORTANT - YOU SHOULD READ THIS CAREFULLY Dated: 17/07/2014 This is a Default Notice served under section 87(1) of the Consumer Credit Act 1974 in respect of the Running Account Credit Agreement reference number 20215 made between: Under clause 1.14 of the Running Account Credit Agreement you were required to repay the total sum of no later than 09/11/2010. As you have failed to make the repayment amount due on 09/11/2010 you are now in breach of the terms of the Running Account Credit Agreement. As you have failed to make this payment you have incurred late payment charges and the total amount of arrears is now 90.00. Action Required You must now pay the total of the arrears 90.00 to the Company before 31/07/2014. IF YOU PAY THE TOTAL AMOUNT OF THE ARREARS BEFORE 31/07/2014 NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH. IF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE 31/07/2014, THEN THE FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU. Further Action The Company will serve notice in writing demanding payment of the outstanding balance. If nothing is received, the Company will bring proceedings against you for the outstanding balance. In your own interests you are strongly urged to contact the Company by telephone on 020 3006 2000 quoting the above customer number if you cannot pay the arrears in full. IF YOU HAVE DIFFICULTY IN PAYING ANY SUM OWING UNDER THE AGREEMENT OR TAKING ANY OTHER ACTION REQUIRED BY THIS NOTICE, YOU CAN APPLY TO THE COURT WHICH MAY MAKE AN ORDER ALLOWING YOU MORE TIME. You should be aware that if we take you to court and get a judgment against you requiring you to pay us the money you owe us under the agreement, you may have to pay us both the amount of the judgment and interest under the agreement on all the sums owed by you at the date of the judgment until you have paid these in full. This means that even if you pay off the whole amount of the judgment, you may still have a further sum to pay. IF YOU ARE NOT SURE WHAT TO DO, YOU SHOULD GET HELP AS SOON AS POSSIBLE. FOR EXAMPLE, YOU SHOULD CONTACT A SOLICITOR, YOUR LOCAL TRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS' ADVICE BUREAU. This notice should include a copy of the current Financial Conduct Authority information sheet on default. This contains important information about your rights and where to go for support and advice. If it is not included, you should contact us to get one. Yours sincerely MYJAR Collections and Recoveries
  4. hi NoooNames - is there certain areas of the UK they will not do home visits and do they take anyone to court - is there a % amount they pay for payday loans?
  5. All charges are since 2009 – I had discounted letters from Moorcroft last year but just ignored them.
  6. Help would be much appreciated. I have received a letter from Robinson way for a Natwest overdraft I had, the overdraft was 2500 but they are asking for 3800, this debt has been passed around for over 12 months with 2 different DCA’s prior to Robinson way. I tend to CCA request them and it gets moved on. I would like to know if there is any charges on overdrafts that can be reclaimed and the best way to move forward with this…
  7. Marshall Hoares letter looks as though its chasing a toothfairy loan
  8. why would it backfire, when only asking that you do not acknowledge the owing the debt to the DCA?
  9. i have sent motormile the don't come visit letter but they have continued to harass and say they are coming to visit, what do i do now
  10. Hi DX, last used the account around 08/2010 and the name on the CRA is Natwest personal overdraft
  11. Hi, they are asking for £3,800 and the overdraft was £2,000 I got the overdraft around 8 years ago and i have not received a discount letter. im not sure what you mean by how name is against the debt?
  12. the account was passed to moorcroft around october 2010 and yes it does show on the cra file,
  13. advice would be much appreciated, i had an overdraft with Natwest and this went to default, It then went to moorcroft who after a CCA request i didn't hear anything, received a letter from AIC a few months ago and CCA'd them who told me to write to RBS and get the information, i do know of this debt but just not happy with the amount they are asking due to interest and charges applied! its now been about 2 months and i have heard nothing. what would be the best thing to do now? thanks in advance
  14. Hi Calum, I am also getting the same of this bunch, are you getting recorded messages on a daily basis. how have you found dealing with them on the phone?
  15. thanks for the advice, what do you mean halifax washed their hands of it? Is it possible to get the money back from the bank
  16. thanks, i did do that as soon as i noticed, not sure how they got the card details in the first place whats a CPA? diddnt do anything with that
  17. Hi Caggers, have a big issue with lending stream, took out a loan in October 2010 of £400 made a few of there monthly payments and defaulted, i constantly tried to get a payment plan but had no success, I didn't hear anything for a good 8 months and in October 2011 looked at my account and found i was overdrawn by £170 which lending stream had taken, lending stream have had a total £520 in 8 payments including the £170 today i have received and e-mail from Credit Resource Solutions Ltd saying that i owe £499 to lending stream, I was completely fuming and made the bad decision of calling them, i told them that lending stream and themselves can sing and dance as much as they want but not receive another dime from me, what would your advice be? would they take this to court? thanks in advance
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