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About hacompany

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  1. Nope. Not sure what else I can do. The ICO won't help, financial ombudsman a complete waste of time Not sure what else can be done.
  2. I can't seem to find any successes! This just seems outrageous... I have complained to the ICO and the FO... The FOs response doesn't make any sense: your complaint about Barclays Bank Plc Thank you for your emails of 30 June 2015 and 7 June 2015. I have considered very carefully the additional information you have sent us. However my view of your complaint remains unchanged. As originally discussed you are unhappy that Barclays recorded an arrangement to pay marker (APM) on your credit file. You state that Barclays agreed to, in its own words, reschedule the terms of the
  3. Based on the ICOs definition of an Arrangement to Pay, it is not factual. An arrangement to pay is defined by the ICO as a temporary this involves a temporary, short-term (up to six months) arrangement where the lender agrees to accept reduced payments. For me it was a period of at least five years paying the full mortgage plus and additional sum to clear the arrears, which were reduced each month.
  4. is it correct at the time of registering though?
  5. I wrote to Barclays and asked for them to default me, after a few weeks or tooing and frooing they have sent me there final response. Not what I was hoping for: Your complaint We’ve finished our investigation Thank you for your time on the phone and for talking through your complaint with me. We’ve now finished our investigation, so this letter is to inform you of our decision. I’d like to assure you that we’ve looked into it very carefully. About your complaint Your complaint was, in summary: You are unhappy because Arrangement to Pay Markers (APM) have been reporte
  6. Hello CAG I haven't posted on here for a while, hoping you can help. I’m writing to complain about the way Barclays have reported the payment history on my Mortgage. I recently applied for a credit card and got refused; I signed up to ‘Credit Expert’ and spoke with one of their representatives who said the reason I was declined was probably because I have not been keeping up with my mortgage. Although I have had some difficulty in the past when I lost my job in 2009, I have not missed a mortgage payment in over six years so I thought this was odd. In 2009 I lost my job and
  7. Thanks for your response! I realise that they don't have to negotiate, and certainly wasn't expecting them to make a decision straight away. I owe the following amounts: Lowell Portfolio - £10,000 Bank of Ireland (Post office) - £4,500 Incasso (RBS Loan) - £18,000 Regal (RBS Card) - £1,200 I have offered 40% Do you think they will agree to remove the defaults?
  8. Hello Consumer action group Can I start by saying how helpful I have found this forum so far, I think it's amazing that so many people are coming together to offer support to each other in these difficult times. In the interest of keeping a long story short - I was made redundant two years ago and have been unable to get another job that will pay me enough to meet my mortgage payments. I am also in negative equity mortgage arrears. I'm in a real mess. As I see it I have only two options - Go bankrupt or offer to final settlements to my creditors and start again. I hav
  9. I recieved all the paper work from the CCJ this morning What information can I give to help me?
  10. I've sent a letter off to the Woolwich today asking for all the information they have in relation to my CCJ so hopefully I will get a response to that over the next week. Will attempting to get the CCJ set aside be detrimental to my relationship with the Woolwich? I've read on other threads that as I did not receive the paperwork this might be enough to get it set aside? What are your thoughts on this?
  11. Thank you so much for your quick response. I don't have any of the paper work unfortunately, I'm sure I can write to the county court to ask for it. What information specifically would help? I think the CCJ was the step before the repossession. The CCJ meant if I didn't offer a payment plan which the Woolwich found acceptable they would be able to go for repossession? Coincidently I called them to sort out a payment plan, unaware there was a CCJ? - Approximately two weeks after it had been enforced. Also if I try to get the CCJ set aside will that upset the mortgage company?
  12. Hello I'm new to this forum so please bare with me, i'm not even sure if i'm posting in the right place so feel free to move this post if necessary... To cut a long story short, I was made redundant almost two years ago. Up until this point I never missed a mortgage payment and had no debt on my credit cards. I never expected to be out of work for as long as I was. Everything spiraled out of control, I put mortgage payments on credit cards and then everything just collapsed I had no income, I couldn't meet any of my payments and I just buried my head in the sand. I just had to focus on fi
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