RLSTINE
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Everything posted by RLSTINE
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About 8 years ago I took out a loan with Tesco, I made payments for a number of years but then I got sacked/left my job, I thought the PPI on the loan would cover me but it didnt. Evenually it went to debit collectors and a ccj. When I moved house 3 years ago I didn't tell the debt company in the hope they would forget about it which I know was wrong. The debt company have never contacted me yet but today got a letter from tesco saying i may have been misold ppi. do i contact them as i felt i was or do i ignore it?
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The debt ipbelings to 1st credit apparently, first time I have heard of them.
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I looked on the trustonline site, as I dont own a bank account I dont seem able to use the cra's. Nothing shows up.
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Yes its not a CCJ.
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Have now got a letter from meritforce (same company) saying they are coming to vist, they have not told me when so there is a no way I can get a cake in for there vist. Do I write to them and tell them they still have sorted out if this debt is mine or ignore them?
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Perhaps a daft question but how do I know this isn't already a CCJ?
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Thanks guys, wil have good read of everything tonight. Can I expect bailifs to be knocking or do they need confirmatiin its my debt first?
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What would people advise as my next step? They have given me 7 days to pay in full, before they take EXTREME ACTION (which may or not be a Steven Seagal film). What are they likely to do next, I haven't even said its my debt yet.
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They are bank statements, they show cash withdrawls, direct debits and such like.. Having looked through them more closely I have found that in fact the loan was for £2350 which they credit the account in Oct 06. This is buried on page 30 of 50..
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I got a little confused there, its HSBC not RBS. I really dont remember ever having a loan from them, but according to the statements I did, this is why I wanted proof like a credit agreement.
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They say a loan from RBS, which I think HSBC is part off, but they are not very clear. Thats the confusing things with the bank statements, surlry a credit agreement would make more sense. All the statements show is a long closed account being credited by £5000. There isn't even any repayments for the loan coming from that account.
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I live in London, so no such luck.
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I recieved a letter from Mckenzie hall a few weeks ago regarding a supposed debt with HSBC. I wrote back to them asking for proof the debt belonged to me (as I felt it wasn't mine). They have now written back with 2 years worth of bank statements. The first statement shows an amount of £5000 being credited to the account and the last statement is a little weird as to me it says that the account was closed with £0 owing (see attached). They are claiming I owe around £2000. What I do not get is why they have sent a load of bank statements insted of some kind of signed credit aggrement, surley that would be the proof I wanted rather then random bank statements. The credit on the statement doesn't even show where the money came from just says CR £5000. Whats the next step I should take? The debt is 5 years old and this is the first I have heard about it in this time.
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I bought a shed from an online site a few weeks ago. They have been messing me around so much with regards to delivery dates that in the end I'd had enough. I gave them one last chance which was for the shed to come monday, it didn't. I emailed them Tuesday to say I wanted to cancel and heard nothing and then on wensday after several emails I got an email saying they had cancelled it and a refund would be put back on my card. Later that day the shed came, I wasn't going to accept it but the delivery driver said it would be better otherwise he would take it back to the depot and it could get lost, and heck I really wanted the shed so I took it. I assumed the company would realise I took the shed and cancel the refund but then today the refund has gone into my bank. What do I do now? Do I tell the company, will they just take the money out again at some point when they figure out what they have done, I am at a loss?
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Thanks for all the advice, will be writing to both Equita and CEO of council and send a copy of both to my MP as well. The attachment of benefits is a confusing one. At first no one seemed to be able to tell us what it was for, it was only when I got a letter telling me how much they were taking in total that I worked out it was the same as what was owed for a period of council tax. I just assumed that because it was a joint claim they were able to take out money for her debt (although why they haven't done that for the other debt I dont know.
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I got two more letters today (they are quick this equita) telling me the amounts are due on liability orders obtained in 2005 and 2007. Again just my name on the letters no mention on my partner. Is it worth writing to Equita and telling them to look at the orders correctly, or just complainging to the council?
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Big yes to all 3! Makes a bit of sense there actually... Am I sending my letter of complaint to the CEO of Equita or Capita?
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She has spoken to someone from the council, and got told this... My name is on the debt Bailiff letters because my name appears first on the council tax bill (which it doesn't but nevermind). I might not have lived with her at the time of the debt but I do now so therefore my name is included. The council only take back debt in special circumstances when people are in a vunerable position. My partner pointed out we are both unemployed with two small kids, and she said so are alot of people. I have written a letter to the Council Tax Manager explaining the situation and how extremely ****ed off I am not only in having my name attached to this debt but also because of the ladies attitude on the phone. Really angry!
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It's Equita Bailiffs the letters were from not Elitie (not sure where I got that name from). The problem all seems to stem from her owing council tax from various periods. She had a bailiff come after her before for council tax, but when I got with her I paid that one off. Then I was on JSA for a while and had deductions taken out of that for council tax debt. The thing is as far as she or I were aware this council tax debt has been clear for the last two years. Looking at council tax bills for the last two years there is no mention of debt or money owing. When I rang up she said it was for the periods I mentioned, during which I wasn't even in the same part of the country let alone in this town. If there is a liabilty order, surley this is in her name, not mine so surley they are breaking all kinds of rule in writing to me alone or at all?
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It's Elitie Debt collectors and Barking and Dagenham council. My partner was aware of council tax owing in her name from years ago, and is quite willing to pay this, but just very annoyed that the debt company is sending letters (hand delivered letters I have just found out) to me.
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I got two letters from a debt company yesterday saying that I owe money for unpaid council tax. Not likely as it's the one thing I always make sure is paid, so I rung up the council and asked them to explain it. They said it was unpaid for the periods of 2003/04 to 2005/06. I pointed out to them that I didn't even live in this area during those periods. They said my partner hadn't paid the council tax and that because we now lived togeather we were both liable for it! Can they even do that? The debt letters were addressed to me not my partner, I didn't even live with her (or know her during this time when the debt was created) and yet now I am half liable?
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