mpolly99
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Content Count
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Quick quick is with FOS. PDUK I just haven’t paid them anything for 12 months, but it’s still on my credit file until Jan. I don’t mind paying £60 to clear it.
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Financial ombudsman
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They declined that it was irresponsible lending so I disputed it and they declined again
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Nationwide Loan CCA Online Application - wescot chasing
mpolly99 replied to mpolly99's topic in Nationwide
12 months was the last payment. I’ll ignore their letters then -
I did, i haven't paid a penny to any of them for a year. i've got a complaint with the FOS for Quick Quid and I've got disputes in place with my other loans. My biggest one is a grey area, they say it's enforceable but I say it's not because they only have a online application with no signature. I don't mind paying small amounts the clear as i'm looking at getting a mortgage soon.
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I want to make them a small offer to clear my credit file. I haven't paid them a bean for a whole year. Prior to that only £1 per month. I'm hoping £60 will make it disappear. They offered me a settlement of £170 a few years ago when the balance was £340. Now its at £300.
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Evening all, Has anybody recently tried contacting this company via email? This email account.services@paydaycontact.co.uk bounced back my email which was receiving emails a couple of years ago. Cheers
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Nationwide Loan CCA Online Application - wescot chasing
mpolly99 replied to mpolly99's topic in Nationwide
Sorry for late reply. The loan was taken out 9th Oct 2012 and defaulted 1st Jan 2014. -
Cabot CCA Request Reply. halifax debts
mpolly99 replied to mpolly99's topic in Halifax Bank and Bank of Scotland
Thanks, it was taken out between 6-12 months prior to the default date (I can’t remember exactly off top of my head) -
Nationwide Loan CCA Online Application - wescot chasing
mpolly99 replied to mpolly99's topic in Nationwide
It was a nationwide loan which is now with wescot. Cheers -
Cabot CCA Request Reply. halifax debts
mpolly99 replied to mpolly99's topic in Halifax Bank and Bank of Scotland
Evening all, I've been sifting through my Experian credit report and on there I've noticed that a Halifax account owing £2500 was defaulted in Jan 2014 and marked as settled in Feb 2017 (nothing was paid or agreed to close the account). I have also noticed another account which is open with Cabot with a default date of Jan 2014 with the balance of £2500 (this is the same account as the Halifax one above). Does this mean that Halifax closed the account and is no longer enforceable? I does it simply mean they sold the debt on and is still enforceable? I have had contact from Cabot but they failed to provide a CCA so i'm not paying a bean anyway,but just curious as to what status the account is at. Many thanks -
Evening all, I’ve had a letter form Wescot chasing dough, to which I responded by not acknowledging the debt due to the original debtor being unable to provide a true signed copy of the CCA, and challenged them to find it. They wrote back to me with the same document that the original lender sent to me which was a credit agreement, with my details on it but it’s unsigned, claiming that the application was submitted online. Is this a valid CCA agreement and this enforceable? TIA
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link chasing co-op loan debt - Co-op want sigs to comply with sar
mpolly99 replied to mpolly99's topic in Cooperative Bank
Just before Christmas. Thanks for the help and input -
link chasing co-op loan debt - Co-op want sigs to comply with sar
mpolly99 replied to mpolly99's topic in Cooperative Bank
Jan 2013 i think -
link chasing co-op loan debt - Co-op want sigs to comply with sar
mpolly99 replied to mpolly99's topic in Cooperative Bank
I have already sent a CCA request to link also. I think my last payment was June 2018
