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mooshy

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About mooshy

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  1. I have spent the last 4 years making my finances and credit file 100% so I could confidently escape a not nice relationship . My credit file was 100% and I was v proud . Bank have offered me a decent remortgage ( 6 weeks ago ) and solicitor has filed consent order so I could be as planned divorced and have bought my ex husband out of the family home in a few weeks. However I stupidly used an empty Cap 1 cc when it was all I had with me recently . I only put about £65 on it . They contacted me to say I hadn't made the minimum payment and i assumed they were right and paid it immediately with a promise from them it wouldn't affect my credit rating . I was shocked to then be told I hadn't made another payment . When I looked I actually had made a payment of 15 on time the first month and after their contact made a further payment of 15. I also told them I would pay it all off immediately and did . They contacted me again and said my account was in arrears saying they've received no payments . As instructed I faxed all my bank statements through with a covering letter . Still no response I used their online complaints link called resolve . I heard back yesterday to say they could see I had tried to pay ! However I had used a wrong reference number and it wasn't into my account ???? I was to call the bank and recall the payments and then pay them at capital one . They said they could see i had tried to pay but would be rejecting my complaint and would consider amending my credit report when I had sorted this . I'm now so upset and frustrated that I not only paid this but I put my account in credit and no idea where it's gone . My worst fear is that I now won't get my mortgage advance to buy my husband out and it's cost me almost £10000 in legal fees to get this far . Will they now refuse my remortgage ? how likely are they to ammend my credit file and how long will that take ? Many thanks for reading all this .
  2. Hi Thanks for that . Its £19.50 so I haven't paid it yet will try a couple of other avenues first . I spoke to someone in XX which is a big Housing association who bought up lots of the smaller ones - the one who lent me the equity loan being one of them. According to them I don't even exist on their records . I wonder if I should see a solicitor re this ? There is a fair amount of equity in this home .
  3. We bought our home approx. 11 years ago through the old Homebuy scheme through a housing association called Beth Johnson. we got given a 25 % loan which is repayable at any time in the future, and whether the house increases or decreases in value they have a 25% return upon sale . We still own the property but its legaly called a charge or something . We put a biggish deposit down ourseleves . The house is worth approx. £170k now and the mortgage is around £60k we are divorcing and I need to contact Beth Johnson to ask them legally if I can ever transfer this to another property and at least inform them that divorce is in progress and I may be the sole owner if the Halifax agree . Beth Johnson seem to no longer exist ! Every time I google it Sanctuary Housing comes up - so ive emailed them to ask who on earth has a charge over my property now .No reply . Im a little shocked that I never received any documentation to say Beth Johnson had transferred ownership or whatever happened to them,, and that I have absolutely no idea who now has a charge over my house ? Any advise would be very helpful ?
  4. I split with my ex almost 2 years ago. Since then ( prob irrelevant ) I have sorted out almost 100% of the financial mess he left us in. I have paid for and initiated all the solicitors fees and divorce . He was chased for an old debt last year and as usual ( because they had traced him to his mums house which he didn't like ) , he asked me for advice . As the debt was over 20 ! years old I advised him not to acknowledge it in anyway and no it wouldn't appear on his credit file . I then asked him if hed considered claiming for PPI and he said no. I asked him if he minded if I did as it was in joint names .He was fine about that . He is extremely lazy and would never do it himself . I put a random claim in and they've offered me an agreeable amount . It says the payment will only be made to the bank account of the complainant ( me ) but I did put both our names on it and believe it or not his name is still on our bank account because he wont take it off ( not because hes up to anything he is just lazy ). Theres a place for me and for him to sign. I was fully intending to give him half but he has paid nothing whatsoever towards this divorce and it will just about cover my solicitors fees. Following a long talk with a trusted friend she said- oh for goodness sake just use it to pay for the legal fees its not like your buying a new handbag !. So Im going to pay the cheque into our account and use it for that . I wont try and hide it and I will tell the solicitor so at the end of the day he gets his share when the settlement is made . I need the bit of savings I have ( and was going to have to use ) as I have a house and 4 children to support 100 % . If only I sign will then question it and not pay ? Otherwise ill have to own up earlier than I was going to by asking him for his signature .
  5. OOh thank you . Do you think SAR is always the first step ? Could I just fill out the PPI online form supplied by the ombudsman ?
  6. Hello My ex husband and I had a loan with the HFC years ago-approx. 18 years It was for 5000. We got behind with payments and def had PPI which actually we could ill afford and both working for NHS didn't need . I think with interest rates , charges and PPI I remember working out once that the 5 year loan had limped into 8 or more years and we had paid back something like a couple of thousand more than the original loan and still owed a couple of thousand ! last payment was over ten years ago and weve heard nothing for most of this time until this year . My husband has moved out as weve amicably separated and I received a letter which was from a DCA saying the debt had been assigned to them in 2013 and what were proposals to pay - as weve definitely left this behind over 10 years ago I didn't think any action would be forth coming . I did however take note that we now have an account number -- the one thing that stopped me reclaiming ppi a few years ago . With my ex`s blessing as its joint loan would it be worth me sending a CCA and starting a ppi claim or may I risk a bad print again on our CRA files ? Thanks
  7. Hi many years ago I ran into debt ( £4500 ) on a Halifax credit card. They sold the debt to Arrow Global who tried to take me to court and obtain a CCJ. I wanted all the paperwork before acknowledging the debt but despite many SARs and CCA requests ( I did everything correctly ) I ended up putting in a defence as they wouldnt give me anything . After many weeks and lots od support on here the debt was thrown out of court. My credit file in now better than ever putting me in an ideal position now to move house and start my life over honestly. I never knew if I had ppi on this but I have a feeling I did . I never had any statements from HBOS or Arrow. Would I claim from Halifax the original seller of my credit card, or Arrow Global who took me to court and lost as they owned the debt. Also if I approach either would I end up acknowledging the debt and starting a 6 year negative debt on my credit file all over again ? Id rather not risk ruining my credit file , but if I could reclaim some ppi it would certainly help me move forward financially with house purchase ! many thanks for reading.
  8. Andy Im signing this consent order today-how do I know they will send a copy to the court ? Is there anything else I should do to absolutely ensure I don't get judgement entered while this is processing ? Thanks
  9. Settled by 1 - 1 mediation and Tomlin Order. Agreed to change terms also so that I have 14 days grace if a payment is missed. No CCJ. Very pleased. Will donate to CAG this evening as I really appreciate the advice.
  10. Mediator has called back and given me the direct number for the man at 1st credit he wants to talk
  11. Really upset. They haven't answered any calls from mediator so appointment has been cancelled. That means I have to go to a hearing and will likely get issued with a CCJ !
  12. . I think its automatically stayed and they can apply to lift the stay and proceed at any stage . Mine did a few months later.
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