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fkofilee

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Everything posted by fkofilee

  1. As thought - Need to speak with FD / HSBC to raise a fraud case and understand what happened. Makes me wonder if youve been a victim of SIM Swap Fraud?
  2. Hi @crv You need to expand a little bit more - What purchases were made? Are they for Google Associated Services or Google Pay being used for 3rd party products. If TPP - Then you need to speak to your bank. They can actually blacklist the device using Google Pay if a cards NFC Token / Virtual Card has been compromised. Lets us know so we can provide appropriate advice.
  3. For ref - Avoid. Privacy Policy says below; They will collect your Telephone number... Oh my... Robo SMS anyone? Also - If you complain about Privacy Issues; - Their DPO team wont respond to you.
  4. Yep you heard that right. Lowell are now offering you a free credit score via their online portal... Bonkers! Absolutely Bonkers!
  5. Bad understanding of billing queries from their CS team - Force your way through voda complaints - Call them Speak to them - Force them to deal with it.
  6. Dont worry - You fell for the smoke and mirrors of Debt Collectors... It happens to us all -
  7. If youve made a payment and its under 6 years, then you cant plead Statute Barred anymore if under 6 years, Essentially restarts the clock. @dx100uk is pretty good with this stuff. Plus if you are in England / Wales. Accounts are not closed after 6 years, they just disappear from your Credit File. The debt isnt ever extinguished etc unless the company chasing you write it off in full.
  8. Probably Perch Verify - A new offshoot of Perch Group - Naughty Naughty if they havent spoke to you directly and given information away...
  9. Which law firm and what does the letter say in full?
  10. Just my 2 cents. as a debtor in the past myself and my speciality being High Cost Short Term Credit or Instalment Loans and reclaiming, I can tell you that debt can just vanish sometimes. It was only yesterday that I posted about a lender going into Administration and all debts were written off. I had a debt with them and it was written off. The debts that do go to DCAs can be challenged like others say with very little effort. They disappear from your CRA after 6 years so never to be seen again from date of default. I have a number of debts from my time that will disappear this year and very little has been done about them. Just take it calmly, dont stick your head in the sane - Setup a digital folder and scan all you get that comes through, Watch out for claim forms and you will be fine.
  11. Hello All Naylors Finance - A HCSTC Lender (Instalment and Payday Loan Lender) went into administration in September 2023 last year. Their Administration Process was handled by Interpath Advisory. As with any administration these days, they want to sell off the loan book to maximise money that can be recovered. Unfortunately they havent been able to sell it off. Any customer with an active loan that hadnt been closed at 1st Feb 2024 has been written off and your credit file now shows as settled. Interpath Advisory - INTERPATH Public Case Information WWW.IA-INSOLV.COM If you have a claim for Irresponsible lending or a complaint open with the FOS, it is likely they will be unable to service it anymore and will either get pence in £ or nothing back. Please reach out to Interpath if you have any queries.
  12. Arh Lucas Credit Services, Change of paint but still just as useless Lowell Bought out Dr Lucas and made Overdales a trading name. Question is - Do you owe the money legitimately? Why did it break down? You could ignore and wait for the Claim Form and deal with it that way
  13. You can proceed with the claim in court but the administrators may contest it. Unsure. If successful you go into Creditors Pool / Hierarchy Who gets paid first when a company goes into liquidation? WWW.BEGBIES-TRAYNORGROUP.COM A preferential or preferred creditor reserves the right to first payment during an insolvent liquidation, as laid down by the Insolvency Act. In most cases, you would get pennies back on the pound oustanding or even there might not be anything left after the Administrators do their bit. My advice. Write it off... Chock it up to a loss
  14. Telco companies tend to be less giving with Compo rather than financial institutions - Rules are different. Id get it cancelled like now - Get the default and DCAs off their back. All solved.
  15. Why not try and fine a job that pays more? - Shouldnt be too hard Maybe a 2nd job for a little while to help clear it down? Also @dx100uk will be along I imagine to offer some advice. You could look at sending a letter to all of your creditors offering a reduced payment plan. They will all deafult and go to debt collectors mostly.
  16. Interesting story here from my end. I had a debt hit them from a company that still owned it. I told CRS I wasnt going to deal with them over 2 calls. They sent it back to the owner. It then went to AJJB - Told them the same thing - They sent it back there too. They are quite fierce but actually have no bite
  17. Out of interest, what is the size of the company being sold - How many employees?
  18. Its unlikely they will do legal given the cost of them doing it in administration and them wanting to wind down the liquidation asap... Id ignore for now. If it gets to AJJB Law, let us know.
  19. Indigo Michellllllllll ( I love that name <3) went into administration a little while ago in 2023. Probably chasing on behalf of the administrators I wonder? | Tappily & Safetnet Credit | Home IMLADMIN.CO.UK Or has your debt been sold as part of the loan book going?
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