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messedaround

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About messedaround

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  1. Hi All, I am a really, really irritated with Amigo loans right now. Each month, I go a week overdue on my loan, because they will not allow me to move the payment date back to the end of the month. I get a mound of emails, letters, texts and other crap each month, as does my guarantor. As usual I got all that this month, but an error on their website has prevented me from paying, not me. I have communicated this to them, but the 'account manager' ignores these emails, yet she has the time to email me and my guarantor threats still telling him soon he will pay. Can
  2. Left the UK in 2013 with a few things on payment plans, this was one of them, left due to an overseas job and to be honest this one got completely forgotten. We had no idea there was a CCJ until we recently checked the credit file and saw it, had numerous emails but thought they were all the usual threats so did not pay too much attention
  3. I thought exactly that, ridiculous email isn't it! The £50 is about the maximum of the limit when it comes to affordability, but their email response has not encouraged me, I mean we offered them £50 a month, and they ignore the offer and just say call us to discuss options, when for years they have been emailing asking us to pay them.. and I want it in writing
  4. CCJ is for £850. Plan on moving back in the next couple of years so would be nice to clear it, and their threat of arrest is not sitting well. An offer of £50/month was given to them today and the email response was: Thank you for your email. As the County Court process has been initiated on your account, you would have to contact our litigation department on 01253 523460 to advise you of the necessary steps on resolving the outstanding claim. We are open Monday to Thursday 8.00am to 7.00pm and 8:00am to 5:30pm Friday. The litigation department can also discuss any pa
  5. Hi All My partner no longer lives in the UK, but has received a few emails from an old (believe pdl) debt over the last few months relating to a CCJ which was granted after she left the country. The DCA are called TM LEGAL SERVICES They have now sent the following: Following our recent letter, you have failed to contact the office to set up a repayment on your County Court Judgment. We are now in the process of contacting your employer to verify your status of employment. Once we have confirmed the status of your employment, we will complete an N337 Form (Request fo
  6. What grates on me most in this situation is that not only will they not pay us the compensation owed under the redress scheme but they have the cheek on the administration page to say if you still owe cfo money and do not pay they will take legal action against you! How are the laws of this land so bloody backward
  7. Hi Again All, Lowell have now sent me 'statements' from JDW for these debts. One of the letters is a full statement, showing a purchase of £13 and interest/admin bumping that up to £67. All of the others say that they are too old to show an agreement or detailed statement. They give the massive sums as the balance and say none of that is fees/charges which is absolute nonsense. How do I proceed here?
  8. Hi, Default dates are: 4 x Defaulted May 2013, 1 x Oct 2013 1 x May 2014 1 x May 2016 I have asked Lowells for a full breakdown of what part of the balance is interest, charges and principle on each of these debts. They have responded today to advise they will be sending me in the post statements on all of the accounts that they are currently managing, this will show how the balances were accrued which I will receive in the post in due course. So do you advise a CCA, then go down the irresponsible lending route? Thanks
  9. Hi Thanks for responding. I have not sent any subject access requests, but I will get on that this week. Do I send this to both JD and Lowell? The years I took out the accounts are: Opened Sep 2011 Opened Oct 2011 Opened Jan 2012 Opened Feb 2012 Opened Sep 2012 Opened Sep 2013 Opened Sep 2015 4 Defaulted May 2013, one Oct 2013, one May 2014, one May 2016 Thanks
  10. Hi All, I have a massive debt, from JD Williams, from 2011/12/13 totalling nearly £5500, spread over six accounts. At the time, they let me open constant new accounts on their partner sites, and kept increasing the limit when I reached the limit I had on each one. I have not complained to them, but still it strikes me as irresponsible. I made payments for as long as I could, but then it all just became far too much for me, hundreds of pounds a month in interest and that was without all my other massive debts. This was from a period of massive debt issues, pa
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