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tactical

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Everything posted by tactical

  1. Not asking for everyone to see my debt price but a resonable profit not what amounts to making a killing at my and others missery is that too much to ask. Anyway . What do I do next?
  2. Nolands got back to me submitting no proof just telling me that the last payment on account was the 14th of January 2010 and accordingly this debt has not prescribed. (This debt was a overdraft linked to my bank account. ) We will be continuing with court action and I may wish to seek legal advice. Do I ask for proof now? Do I have the right to request how much my debt was purchased for? If not can I ask the court to request this and push for this company to only make what is deemed to be a resonable profit from my missery? Still think no company should be allowed to sell debt on and if they can the amount that it is sold for should be declaired for all to see. Surely under the data protection act I have a right to know what they hold on me and therefore howmuch the purchased this debt for. The law is an ass I think and these companys are leaches to put it politly.
  3. Crocdoc thanks for you help. I have sent that off today. Should I send the Bank any more information to aid their search or should I write back and ask how it is possible for them to not be able to find the infomation on me or just leave it and get my £10 back ? tactical
  4. Should I send them the recent reply from back requesting more info as they cant find my account info? Is this normal for Banks?
  5. Thanks Crocdoc I will do that today. Should I sign it or not sign it? tactical
  6. I meant to say that when Clysdale Bank sold debt on I received a letter to this current address from them to inform me of this . So very strange .
  7. Morning all. A quick update. Sent of to Clysdale Bank the original Debt holder before they sold it on and got a letter requesting my signature and date of birth to prove who I was. This I replyed with and today they sent me another letter telling me they cannot find any accounts from the information that I provided. They are now requesting old addresses and any changed names. I have been in my current house for over five years and are wondering if they have lost my information. What next? Do I give them more? tactical
  8. So in Scotland is it last contact or last payment ? Going to send of the SAR today to Clysdale. Its good to have so many great people on here. Makes you feel you are not alone. Thanks all
  9. Thank you very much CitizenB . I thought that these companys would never go after me after reading my credit file. I just struggle on hoping to survive it all. Young family so real concentrated on the mortgage and other bills that affect their lifes . thanks again . We will try send the document to you. thanks again
  10. it is a small claims summons i have resevied with a return date of 8/8/14 and a hearing date of 22/8/14. i took out the overdraft on the 13/11/96 and the claim is for 2810.23 with interest of 8% annually from the date of service together with expenses.
  11. Would it be easyer for me to scan the info they sent me to you?
  12. yes Scotland . Clysdale was the first bank to call my overdraft in all thoughs years ago. Just like that. I waspaying the interest and managing to keep it below the £3000 but they didnt care. No customer suport. Nasty bank .
  13. Thank you I will go and read it and post info. Really worried as I have £9000 on my mortgage arrears another long story which my solicitor tells me I can fight for the fees back only once I pay it off. How unfair I have been paying them on an agreement and are holding on. This could so easly Knock us down again. There demanding 8% interests and costs . which planet are these nasty prople on. Will get back to you both with info you asked for . thank you for your quick reply .
  14. Good day I am hoping you can Help me. I had an overdraft with the Clysdale Bank for £3000 many years back and suddenly they took it off of me demanding I repay it at £200 a month then decided to go £100. Neither I could afford and I had no choice but ignor it . They sold it on and on and on and at one stage I got offered a 50% discount. If only I had the money. Its now owned by ME III Limited Marline House. I think it may be over six years old now and I have never paid a penny to wards it. I do remember we did ask the Clysdale Bank through a debt advisor to give us time to sort all my debts but they just were one of the worceand as I remember refused. I need some help and wondered how I find out if it is a Bared Debt. I have read stuff on here but all beyond me. No one wants to be in debt and I think most off us if we could would have sorted ourselfs. Please advice needed.
  15. totally agree, i called saturday and got answer machine. When i called monday to make a payment while we were doing it she changed the subject and went on a about modifications to mortage and the arrears. I asked her if she was offering me a modification and she said no she needed my uptodate finances and i had to make 6 full payments first. I said when i go flexy at the end of feb it will translate to what i have been paying for the last 6 month . no reply to that. They make to much on arrears admin charfes to help me.all you can do is hold on. I just found out future did not do my calling up papers before bringing court action so it broke law. Anyone know if i can fight for solicitor fees with this info at hand. Tactical
  16. I must admit at the beginning I put my head in the sand as I had other debts to and just seem to work to survive, when I eventually started to speak to them thats when options were given but never got them. we also went to court and they tried to reposes but we kept fighting it and in the end just about 2 days after it last went to court we were told it had been sold to Engage Credit. So while we were being taken to court by future they were also in the process of selling us on or probally already done it. all seems unfair Will you not give me a clue what you are up to?? I look forward to reading your reply all the best tacticali
  17. we got to the point of it being sugested by future mortages and it went to head office but never got it offered that was a year ago. they never helped us at all. all about getting your equaty. can I ask why the question?
  18. hi loonylam they just want your equity. I must be down to about £4000.00 now and deminishing fast. they just wanted to talk about my errears last time, I know I have them but they are not helpfull in stopping them. even if I go to my new rate due the end of next month they still want another 6 months of full payments before they will put the erears back into the mortgage which means another £300 to £400 onto the errears in admin charges. they are all just crooks. They could be fair and help but its worth too much to not help people. I have nothing but contempt for these people and banks. I run a small buisness and they wont lend for that either. we struggle to build it to were it is now and we have a long way to go. We could however be employing people and be more efficiant if banks gave us the overdrafts and loans we need , but the wont guess they need it for their bonus. all the best tactical
  19. have made a complaint to Future Mortgages and I understand the Complaint was forwarded to Engaged Credit. My Complaint is with Future Mortgage. Wht have they sent my letter on to Engaged Credit. under the data protection act they can not do this. I am complaining about my charges and I want to get thet back. I have had my 2 modifications which you are allowed in 5 Years. Would the person that took Future Mortgage to court advise us what solicitor he used and give some advise please. Engaged Credit have been very helpful but I do not trust them. They have asked me to complete an Income & Expenditure form which they sent me, but am I giving them information about me that they could use in Court ??. What do I do. I come out of my fixed rate next March 2011 and my payments will come down from £2206 to about £1,030.00 which I can afford. I have had my 2 modifications which you are allowed in 5 Years. just a question when you got your two modifications were you paying full payments for 6 months, also did you have a lot of errears. we never once got future mortages to agree to one. engaged credit are hopless my solicitor dida deal with future which should of been passed to engaged the know nothing of it. dont look good. like above person I go flex rate in march £633 to £302 big difference fo me but will we get it or is this goverment going to drive them up again?
  20. ok just spoke to my solicitor not realy that happy. we were told by future motgtages way back at the beginning of the year to request from irwin and mitchel the following . pay half the interest and the other half would be written off. the errears would be put back into the mortgage and the deal would either be a fixed 2 years or till we went a varable rate. now only 3 months to go, did anyone else get told to ask for this. Irwin and mitchel always said they had never heard of it. my question is did anyone else on here get told to ask for it. also my contract states I am aloud 2 modifications in 5 years. asked for them and never got them. did anyone else? engaged credit lady said to me on several occations that I contradicted myself in conversations with her for me then to put her straight. in my eyes thats a sign of someone on the defence. its time we got together and fought. The person on here who fought and got back all his fees and arrears and solicitor costs can you tell us how you did it and which solicitor you used? maybe we could all get to gether and employ him to fight for us all and create a land mark case. we all need to stick together i am sick of banks and the money people taking the p*** out of us all. ok for cameron and his 18 millionares in his cabanet and hay labour aint any poorer, but we are and its getting harder. lets fight together. anyone on here have a friend whos a solicitor?? or is a solisitor who fancys making his name big still? we all need justice.
  21. I spoke to engage credit today and I am even more worried. I have 3 months to fixed rate comes in and my payments will be the amount I was paying future mortages. thought I just needed to hold on, now I am not so sure now. I have had shelter fighting for me in court to do a deal with future for them to sell before it was reached. i am now urging we all get together and fight these companys together, its the only way. please can someone on here orginise it if you can I am in.
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