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ceborame

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About ceborame

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  1. This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Could anybody offer any advice or experience on the following, I'd be most grateful; Made bankrupt 10 years ago by a creditor, at the same time the marriage fell apart, we had a joint interest only mortgage, the house was not repossessed because of a bit of negative equity. We divorced 6 years ago and I have not lived in the house for 10 years. I paid child maintenance, the ex paid the small mortgage. Fast forward to now and I have kept my affairs in order and I want to buy my own house. I have discovered that there are 4k of mortgage arrears, and the mortgage company have t
  4. Yes there is quite a bit of equity in it probably about 80k - 100k . The thing is isn't this cca thing just a way of avoiding/delaying paying. What I need to know is what about the long term. Can I perhaps still negotiate a monthly arrangement. I owe the money I know that because I borrowed it ! I'm thinking about going to CAB, is that a good idea. Regards C
  5. Thanks everyone. I have a house but my wife and kids live there and I rent my own place since we split up. My wife and I have a joint mortgage on that property. Yes I work. And yes this is one of a long list of debts, in fact I've thought of going bankrupt myself to get out of this mess. Ive basically put everything that they said in my first post. Kind Regards C
  6. I owe Northern Rock over £11,000, the debt has gone from debt collection company to debt collection company. Now I have a company , connaught collections, that is saying they are now in a position to present a Bankruptcy Petition against me, and will liquidate my assets. I really can't afford to pay this money back, I know I have been foolish by burying my head in the sand, but I could really do with help on this. Thanks Ceborame
  7. Thank you for your prompt reply. I shall draft a letter today, regarding SAR and inform them that any money payments will now be stopped as I dispute the charges. I will stop the D/D's tomorrow. I will assume this is the correct procedure ?? Many thanks
  8. I have made arrangements with 2 DCA's - Lowell & Brian Carter. One is for about £1500 from Barclaycard The other is a visa from EGG for approx £4000 I pay Lowell £44/month and Brian Carter £50/month Firstly these amounts are really stretching me and I want to reduce them, how do I do this please ? Or better still as these are both credit cards I obviously received charges prior to them going to debt recovery, can I suspend all activity and challenge the amounts ? This will allow me to stop paying for the time being, and then re negotiate a more managable monthly
  9. The DPA request has long since expired, I am about to send my first letter demanding repayment. Do I now use the spreadsheet to calculate how much I want to be refunded ? I am worried about this comment in the spreadsheet thread. "Do not use until filing claim!!! If you send the bank a letter before you have given them time to pay up demanding 8% APR they will know that you do not know what you are doing and this will more than likely end up with you NOT getting your money back". C
  10. Sorry I can't help but I think this is quite important, so I hope someone will respond with advice. Regards Mick
  11. well Ive been down this road a few times !! Nat West position is they don't accept same day cash cover, why? I do not know (well actually it's so they can charge you !) . Also why it costs £76 to not pay 2 D/D's is not quite clear, but I belive it to be unlawful. regards ceborame
  12. This is a draft of my leter explaining manual intervention, is it acceptable? 'With reference to your previous communication, regarding more information on my request for details of manual intervention on any/both of my current accounts. Quote ‘manual intervention by any member of your staff or any other person. I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you.’ Basically this is where a member of staff has had to intervene i
  13. I have been asked by the bank to explain 'manual intervention' Original letter is quoted here http://www.consumeractiongroup.co.uk/forum/showthread.php?t=3834&highlight=ceborame Is the following acceptable With reference to your previous communication, regarding more information on my request for details of manual intervention on any/both of my current accounts. Quote ‘manual intervention by any member of your staff or any other person. I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evi
  14. Thanks alan I received my statements today, and I've got the highlighter at work ! I think I'll write to them about the manual intervention. Can you believe this, the post office had a misshap with the packaging, and re packaged all my statements, in a CLEAR bag !!! my address , name, account number, balance, sort code all there for the world to see !! Ceborame
  15. Should I call them do you think ? I think they want an explanation of manual intervention. regards ceborame
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