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About rimarj

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  1. Amy_Elizabeth, i was in the exact same boat and had a very large unplanned overdraft. I also had a high (ish) APR loan with someone. Luckily LBG suddenly changed their minds on offering me a loan and now i have cleared my overdraft and the higher APR loan and pay overall about £80-100 per month less due to fees, interest etc. It's worth keeping an eye on. On the LBG banking app if you go to the loans section it will usually say there what they think they can offer you - for ages mine was we wont offer anything, then out of the blue it changed and they could. I know that doesnt hel
  2. Yep i realise. Also trying to get a varied view of opinions / best options. "Being taken for a ride" doesn't really help in this already stressful time. Thanks for the input.
  3. Hi Martin, This is a battle im also fighting. I think my main concern was only to find out if they were in breach of contract - would this give me more reasonable grounds to just recover the initial costs incurred e.g. van rental, cleaning and days of rent missed, as you are exactly right regarding the upheaval after just finishing one big move. Thanks for the advice. Relating to the contract, i just looked and it is between us and the landlord - but is being managed by a letting agency. Apparently the request was they deal with all communications and act as the middle men..
  4. Thanks. Will it work out expensive to do this? I've never had to officially seek legal advice for anything.. Do you think it's first worth putting all these in an official letter including a full breakdown of costs, sending to tracked to the management company for the attention of the landlord? Or just post to the landlord directly?
  5. Hello, Hopefully someone can provide some solid advice! We agreed and signed for a property after viewing on the agreement from the management agent that various jobs would be completed prior to our official move in date. Upon picking up the keys we went to check the property again to ensure these had been done - none of the jobs had been other than cutting the grass. Upon further examination it also turned out that: - There were no electrics - There was no hot water - No heating - No smoke alarms - No CO2 alarms - Property not cleaned as agreed (to the point there ar
  6. This was for authorised. If I recall the letter correctly they have removed things like unpaid item fees,unauthorised overdraft fees or the general monthly fee to try and make this horrific idea look better... If you go into unauthorised you get charged at your authorised limit. E.g if your auth is 700 and you are 800 you still only pay the 700 fees.
  7. I'm trapped by this at the minute too I have quite a sizeable overdraft with Lloyds and every time i think i'll try and reduce it, something else comes up and the money i was going to use has to be used on something else. These new overdraft fees really do me over. Apparently if you're in a large overdraft the advice was to consider a personal loan instead. All well and good if they would offer one.. I looked at other banks but i think unfortunately i wouldn't get accepted with the overdraft elsewhere - so my options at the minute are pay a ridiculous overdraft fee, or get
  8. Ok, shall i just let things run their course until i get anything in the post? As i mentioned i cant even remember when the last letter i got was.. If so in the mean time i might print out that guide
  9. Thanks fkofilee. I'll take a read of that, i've started browsing and looks like some bits could be / are relevant. Is it worth doing this even after almost 6 years (i think most have dropped off my file now so some in excess of 6 years)? Any advice on the questions i most recently asked in post 27? I think it would be nice to have the shoe on the other foot based on this guide but my immediate concerns are what i most recently asked.
  10. I went through a phase of having a few, always repaid. Thought they were a great idea at the time.. Quickly learned otherwise and put a stop to it completely. Not even really sure why i turned to them, but once i did, it cost so much to pay it back i got sucked back in to taking another, then another, etc. then had to break the cycle when i was no longer working full time as i had to drop hours to start university. I've had a colourful financial past to say the least but i'm glad to say it was a bad point in life which i have learned the hard way from!!
  11. Definitely PRA Group. Can provide the phone number i'm left with via automated voicemail if you want to confirm. Kilmarnock address.
  12. OC: Quick quid (if you mean original creditor) Type of credit: short term loan (payday) Last payment date: Unsure exactly, probably around June 2011, nothing paid to any DCA's
  13. Ahh thanks dx! In all honesty i forgot about this thread. It's related to quick quid. It's been a long time since any action on it (hence why i forgot about this thread ) which has led me to the above post. I'm a little lost on where i stand with it all at the minute. Are there specific details you're after when you ask what it's about?
  14. VHello, I'm hoping someone can provide some advice on something. Over 6 years ago now (long enough it's just dropped off my file) i received a default which was subsequently passed on to Mackenzie Hall. I made no communication until i received a more threatening email in 2013 at which point i panicked and offered £5 per week and provided my name and address for their "data confidentiality reasons". (see question 1 - also yes, naive to think an email could be threatening but i didn't do my research first...) In 2014 i sent of a CCA request and subsequent follow on letters af
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