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Ianimp

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Everything posted by Ianimp

  1. Hi Yes salary sacrifice at 20% of our monthly salary for 3 months and then paid back in full in December Thanks again Ian
  2. Hi Thank you for your reply and help, we signed to except 3 months 20% salary sacrifice back beginning of the year and that it would be paid back in full in December this year, nothing to do with pensions Thanks Ian
  3. Hi Not sure im on the right page but hopefully you can help Our employer asked ll employees that hadnt been furloughed to take a 20% salary sacrifice for 3 months and we signed to except this and full payment would be returned this December, They are now saying that they cant pay these monies back to us, is there anything we can do Thanks
  4. £3500 for the doors and £3000 for the roof Thanks
  5. Payment was to his personal account i only got bank statements the guarantee is a company guarantee , i have tried to get another roofer to quote but all are very reluctant to take over another persons work
  6. Thanks for the quick reply He is a limited company with 1 other employee, i have his home / business address , he has his own home and has a van kitted with tools and equipment, he is Fensa Registered on his web site with a 10 year guarantee on all work, i paid by bank transfer and no cash, i have a lot of text messages back and forth and i have a lot of photots Thanks Ian
  7. Hi In brief i had contractor to fit patio doors and a complete roof on our new extension 4 months ago, only now has he come back to finish the roof after many cancelled visits by him, The work is so bad that building control officer wont sign the roof off. i have contacted the roofer on many occasions and he keeps telling me its my fault because i always moan about his work and that he isn't a roofer (he has his own building business) . unfortunately i paid in full as he was a friend of a friend, I have a rubber roof which is peeling up because he used silicone to stick it down on the edges and i can see daylight from the inside through gaps plus the internal ceiling isnt level Where do i go from here as any advise would be rattly appreciated Thanks Ian
  8. Hi Just a update i still receiving letters saying that they are still awaiting the paperwork Thanks for all your help
  9. Hi Just to let you know ive received 2 letters saying that they are waiting for the appropriate paper work from their client, is there anything i should do next Thanks Ian
  10. Ok Thanks for your response
  11. Hi Thank you for the quick reply im not aware of receiving any notice and the default on credit score and Experian file states it from Arrow Thanks
  12. Hi I still havent received a reply from Arrow how long does it normally take for them to reply or is there a specific time scale they adhere to Thanks
  13. I checked my credit file today and now there is a default on there Thanks It says on clear score ''Negative 1 You have had at least one account in Default or Repossession (ARROW GLOBAL LTD) ''
  14. Hi Today 04/03/17 I have received a letter from Arrow saying '' We do not accept that we are the creditor as envisaged by the above statue. however we are willing to assist in obtaining that which has been requested, We will now process your request for documentation from the creditor and will revert in due course'' Arrows however have put a default on my credit file Can they do that if they dont own the debt or am i missing something Thanks again for your help
  15. thanks CCA to who ARROW WESCOT RESTONS and whats IMHO
  16. They dont show up on Experian but show as a closed account on clear score but states that it is a negative on my credit
  17. Ok Thank you I forgot to say that on my credit file the outstanding debt is under Arrows Global
  18. Should i send a CCA and if so to who ARROW RESTONS WESCOT Thank You
  19. Ok Hsbc card over 4 year ago I will Thank you
  20. Hi Ive just received a letter from Arrow stating that my debt with them (which i did not know i had) is now with Restons, I just called restons to find out what the debt was for and was told it was HSBC but passed to them from Arrow, i disputed the debt and was told that they would take legal action, I offered a settlement of £900 as the total of £1750, but it was declined Any advise please Thank You
  21. I dont have a copy as it was so long ago, is it possible to get a copy Thanks for your help
  22. Hi we ve paid approx £2000 off the outstanding balance
  23. In July 2010 my wife I purchased a static caravan on a Park Resort holiday camp for £13693.75 a deposit of £2500 and the balance on Black Horse finance. Our finances changed 8 months later and was no longer able to pay for the caravan we spoke to BH and they agreed they would take the caravan back sell it and we would have to pay the outstanding finance on a agreed amount of £50 per month and top up as and when we could with no interest on the outstanding balance which was approx £6500. Since 2013 we have kept a regular paymant of £50 as agreed with BH and have a outstanding balance of Approx £4500. Recently i checked my credit score on Clear score and found that i was in arrears with BH, i contacted BH and discussed that i had kept our agreed payment every month and i was still in arrears. BH told me that i was and would continue to be until full payment i asked if i paid the original monthly amount of £275 or paid a settlement figure (which they declined) would i still be in arrears, and the answer was yes, Do you have any advise Is it to late for a "voluntary termination"
  24. Hi i took the card out in 2001 i ve found a few late/non payments for £12 Im still not sure exactly i should be looking for Thanks Ian
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