Just an update, finally got them to agree to remove all the ridiculous charges post VT. Thanks for your help, Dx. And for anyone else, keep at it! You'll get there eventually...

My current address is on the SB letter, surely they have to update records based on that?

Ok, I'm going to send the SB letter with my new address. I'll get it in the post today. Lets see what happens. Thanks guys. donated, thanks

If I'm honest, DX I was a bad back then. I left debt all over the place, which I'm not proud of. I genuinely couldnt tell you who I took loans with, whether I paid them.

Or really, dammit. I just dont want to risk anything dodgy appearing on my file. Surely logging is not classed as contact with is it?

Hi, Ive had a random text from Lantern regarding a debt with CFO lending. I've logged into their portal, and the debt is £300. The last payment was apparently May 2017 (which I seriously doubt). I believe CFO is/was a payday lender, and I got into a load of debt with many many payday firms around 2010 - 2012. There is nothing on my credit file relating to CFO or lantern. I've read they are MMF is a new coat and really don't want to risk a credit file issue. I'm pretty sure I paid MMF for several accounts years ago (again, would have been around 2010/12). The address they have on file is an old address, which I left in 2017. Should I ignore it, send them a SB letter or take another approach? (I'm pretty sure I would not have made any payments for over 6 years, but only pretty sure). Thanks

Just an update after a right battle Moneybarn have agreed the VT. Thanks for your guidance dx and others. One last question if I may. I've lost the service book. Is that likely to be chargeable?

Roger that. Have a good weekend DX.

Red text? Apologies about the doc posted. Know for the future. I'll get posted today. It is worth sending on email too? They are supposed to be calling me Monday with regards to the options given. Should I just tell them I'm waiting on a SAR request before I make a decision? (If they even call that is).

They rang out of the blue, I was so shocked I picked it up. I actually hadn't sent a SAR request. I'll get that done today.

Actually had a call from MB this morning... There are no arrears on the account. They stated as they have terminated the contract I have three options. Voluntary Surrender ... nope Full settlement ... £4475.32 (Which I dont have) A consent order .. which they will charge £408 for the pleasure of. I asked to VT they said no. I repeated the fact that the termination letter was the first contact I'd had etc etc. I have raised a compliant with MB, they sent me a letter last week saying as 56 days had passed I could contact FOS, should I? Any advice would be great. I cant edit above but there are £71.29 of arrears on the account.

Yes, they are. I've only recently updated it properly though. They actually had my ex-wife's address as they couldn't trace me (I moved several times in a short space of time, they say its because we had a joint account). I guess the default would have been sent there.

Really? Wish I'd got proper advice a couple of years ago. I've paid off £1000's of old debt in the last few years... What should I do about Temple Finance? I was thinking offer them a couple of hundred so they go away.. I don't want to risk another ccj (I've got two that disappear in 18 months). Have I got an route to arguing away the default? My aim/goal is sorting my credit file, all defaults barring TF drop off in 1 - 2.5 years. Obviously I've got MB around my neck, still hoping I can VT that away.

No defaults on EON (£240 left was £1300) From 2016 Default 2016 for 3 Mobile (£150 left, was £700) Both with Lowell. Temple Finance (Perfect Home) for a washing machine. Balance £558 defaulted in 2018. Ive paid nothing on it since 2018 original amount was £660. Sill with OC Virgin - £164 Defaulted in 2018 Was in a pretty bad place 2015 - 2018 which is where defaults/debts are from. Everything else on credit file satisfied/settled or running well. (Just MB as previously discussed, but thats ongoing)

Yes, its free, its a church group. I felt like ive been fighting fires for so long with debts, I went to them to get a handle and rid of it all. . I was blindly paying DX, now ive done so much reading on here I realise that I could have done it better quite some time ago... always find out too late hey. I feel they are working for me, not the DCA's if that makes sense

I have got a few accounts with Lowell. He's told them to stop taking payments while he gets all the paperwork from them. Ive carried on paying MB as even though they say they've terminated the contract because I wanted the arrears clear and to show that I am willing etc etc. I cant afford to lose the car and still have close to 6k hanging over me. Ive been offered a car from a member of the family which would see me through a couple of years, which is why I want to VT if at all possible. I believe he has sent a SAR to MB

I took some advice for a few other issues Ive had and they offered to help with this too, I was hoping they would at least be able to get some clarity from MB as they wont respond to any email requests. Im in England.

Just a follow on.. I've been getting some help with a chap from "money matters" he has contacted MB on my behalf re the VT. This is their response: "Moneybarn. So the situation is that after speaking with customer services I have to wait for a call back from Asset Management (which should be in the next two days). They are currently saying that they have followed procedure correctly and that they have been unable to contact you when a call back was requested. They say the default notice was issued on 11/03/21 with an expiry of 30/03/21. Although the default notice would have been issued by post, can you look in your email account / text messages to see if there is any reference to such a notice between the dates in March? Apparently it would have been mentioned in email communication to you. (I can't see anything in what you have given to us so far). I've asked for a copy of the default notice. I would continue to make your planned payments to Moneybarn at this time." I'm still adamant that not default notice received. He has requested a copy. Looks like I'm out out luck with the VT. If they produce a copy but I didn't receive it who 'wins'?

That looks promising! In my opinion they terminated my contract with no notice at all. I received no default letter (they have my correct address). Only contact was in May 2020, where I said I'm on furlough and could only make reduced payments, they then came back and offered payment holiday. I foolishly only took 2 months (I assumed covid over by Oct and I'd be back on track). Fast forward to Apr 21 and I get a termination letter. I was roughly 4 months behind on payments. I've been unable to contact them since. I raised a complaint which is 56 days old and they've no resolution. Monday last week I received two letters (I'll upload in a bit once I remove my details) one was the complaint unanswered and one was a statement of arrears (the full outstanding balance) the arrears letter reads as though they've already repo'd the car! (It's on my drive). As its 56 days from complaint I can go to FOS, should I go down that route? (Excuse any poor typing I'm on my phone) R

Cheers DX. I think I'm p****** in the wind but will have a go with the VT letter.

Hi, happy Friday... I've still not got anywhere with MB. I've paid all the arrears so not a lot they can do. My question is, I'd like to VT the car as I've well past 50%. (Looks relatively straight forward from my end). Only problem I can see is they have terminated the contract, does that affect my ability to VT? I suppose I'm trying to voluntarily terminate a terminated contract...

Great so they've buggered my (already pretty bleak) credit file.... I've worked my backside off rectifying that mess.

Doc1.docxThats a screenshot, its only on Transunion, the other two just show arrears

Hi, just a quickie, ive nearly paid back the arrears, and I'll carry on making the normal payment after that. Just looked at my credit file and they've marked the account as "delinquent". Is that as bad as a default? Is there any way to get it removed?

Just an update, still not response or contact from Moneybarn, Ive carried on making the payments as I offered, I cant see what else to do... Cant believe they can just leave people hanging in limbo