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London1971

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London1971 last won the day on October 30 2020

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  1. Indeed but they are being utter [email protected] , whether they have the right to do it or not .
  2. Also know that morally what they are doing is despicable . You are totally morally in the right here .
  3. Banks don’t do court. I had Nat West overdraft , loans etc all defaulted and statute barred ages ago. Didn’t even get many letters after the first couple of years. Now they are offering me loans and overdrafts again , like it all never happened.
  4. Pers i'd go for writing the thing off completely. Just emphasise age, illness, loss of overtime etc more
  5. Stop paying. Start the SB clock ticking finally. Nat West won't take you to court anyway.
  6. Ignore them , let those idiots sing for it. Highly unlikely they will ever be getting any from you again. If you should happen to accidentally pick up, no need to be rude ‘ sorry I don’t give out personal details on the phone, goodbye’
  7. Yup there you go it's all been transferred over to the DWP, mine pre dated that. Give them a call, tomorrow first thing and explain circumstances.
  8. Income Tax: general enquiries - GOV.UK WWW.GOV.UK Contact HMRC for help with questions about Income Tax, including PAYE coding notices and Marriage Allowance, and...
  9. Christ £960 per months in other debt repayments ?
  10. Good luck with getting a result.
  11. Oh God they are still charging you interest!!? It's going to take you a decade of paying off £300 pm. You have already said it's unsustainable for you, and they could still default you on a whim anyway at any time. That £9.86 you have left over every month because of this, is that going to cover, a new set of tyres for your car, Dental treatment, new shoes, clothes, one of life's hundreds of potential emergencies that need money in reserve?. It's making you financially vulnerable. If you have a guarantor to cover you in case you need to rent again in the next few years, and you aren't planning to apply for a mortgage any time in the next 2 years, you're not bothered about car leases etc, I'd stop payment, and wait for the mountain of letters. It will be over quicker that way, and be far easier on your finances. Naturally you would need to keep your creditors informed whenever you change address though, important so that if , and it's a big if they send a claim form, you can respond and defend.
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