Showing results for tags 'chasing'.
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I had a credit card account with Lloyds, who have now sold my debt to Wescot, this is for around £3k. I was paying Lloyds £1 a month, but for some reason they have sold my debt to Wescot. I called them today to set up a £1 per month plan and they have asked me to contact Stepchange to get an income and expenditure form. I also had a credit card account with Virginmoney, again for around £3k. I rang them today to ask why are they still charging me interest, and they advised me as its been over 180 days in arrears they have sold my debt to Arrow Global. I was also paying them £1 per month. I have not received any communication from AG yet, although its only been a few days past the 180 days so far. Does anyone have any advice what to do for each of these cases, before I go ahead? It should be noted that I also have two more bank account debts with Lloyds and a credit card with Barclays, all of these are in payment plans, which I am paying £1 a month to.
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I updated my new address on my credit file a few weeks back. A week or so later i receive a letter from Cabot chasing an old Egg CC that ive not heard from, and not paid since mid 2009. Does the credit file update that fast? I forgot to reply and they sent another letter a week later. Ive fired off the SB letter as i'm virtually 100% sure no money was ever paid to it again. I stopped paying it as Payplan said that i should stop paying it whilst i was with them as "you can't pay one credit card and not others". Surely thats not true? Payplan wanted £80 a month minimum and theres no way i could of afforded that. Just keeping you informed to what they come back with
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can anyone confirm if MERCERS are a DCA and have bought the debt, or are they just chasing on Barclays behalf? letter says 'they are dealing with my account on BEHALF of barclaycard.... account overdue...' 'you have missed three payments.... if you can repay 2 of the outstanding payments we will credit your account with the 3rd payment....' 'if you dont contact us, we may pass your account to a specialist company... may call at your address' it would appear the standard wording for a DCA who have bought the debt... but i just wanted to check with CAG first. thanks.
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Hi all I need a little advice on something that cropped up on my credit report awhile back. After noticing a default being registered from Hoist Portfolio Holding 2 Ltd for an alleged debt for £3,194.00 I entered a dispute with the credit reference agency to gather further information (Noodle.co.uk) I was told it was for a Santander account. Firstly I have never had an account with that bank or any financial association in any form at any time. The claim is the account began in 2004 and defaulted in 2011. This is blatantly untrue as previously stated I have never had an account with this bank and certainly not during this stated time period. I did however have an account with the Abbey National Bank, but I'm sure I left that bank in 2000, and certainly never had a debt that I can ever recall. I know Santander took over Abbey National in 2004 (after doing a little research), however I had left the Abbey long before this happened. I have since just received a letter from Robinson Way stating I owe this money and that it is for a Santander account. I deny I owe any money to Santander on the grounds I have never held any account with them and the nearest association I can reasonably find is from the Abbey National Bank which I left in 2000. Surely this debt doesn't exist, nor can I be harassed for a statue barred debt that is over 15 years old (if it even exists in the first place). Is there any action I can take that will get this default removed from my report, and also any action I can take against Robinson Way for maliciously damaging my credit report? Many thanks Phil
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:-)Hi Have 2 NatWest credit cards taken out about 1995/1996 - on which I have been making token payments of £2 per month which just jogs along. £1400 outstanding on one card - £2200 on the other card. Token payments commenced about 2 years ago as lost job due to illness and have not worked since. I am 65 and now have heart failure problems - so trying to sort out affairs in case of further problems. I know I should CCA them - but what then. Do they write off debts? My GP can confirm my health position. It's crazy really - we all bailed out NatWest during banking crisis to the tune of some £20K+ each - so in effect they owe us! Your advices how to proceed would be greatly appreciated. Would it help to go through Citizens Advice or similar? Let me know what you think.
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Hi guys. Started getting texts, emails and letters from Lowell for an old Additions account. I had already SAR'd Barclays and have the paperwork. It seems the last credit to the account was around 2004. Should be statute barred except I've been making token payments until 2014. There is nothing on my credit files. I know that Lowells have a tendency to add defaults well after the fact so I'm keeping an eye out and will act to get it removed if they do. Reading other posts I know that the clock kept running due to the token payments so not SB. However I'm not sure if Lowells have that info and are just chancing their arm. I'm tempted to send a prove it letter to get them off my back. Not sure whether to do that or just ignore them. Any advice would be appreciated.
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Hi, I purchased some marine plywood from a merchants for my shed roof last september. It was delivered on a Friday, I put it up over the weekend. On Monday it was warped and useless. After inspection from their Area Manager and efforts to blame me for the issue, the timber merchant sent new material and finally offered a £100 refund. I had to tear down the new roof and spend another weekend and purchase additional materials to put up the second new roof in as many weeks. About a month later I finally received a refund for the full amount. Followed the next day by an email request I return the payment less the agreed refund. I have not received a letter of apology nor a verbal apology from the company nor any other communication. I felt aggrieved and so ignored their requests feeling just deserts had been served. Now I am receiving letters from Judge & Priestly threatening court proceedings if I do not make the payment plus additional £40 charge and interest accruing at 0.10p per day. What should I do, this company treated me quite badly with poor materials and poor customer service.
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Hi Again, I'm still struggling with Accord mortgages over a shortfall from them selling the property for half of what was paid 9 years ago. My ex did a deal recently so I'm left with my half of the debt. I've made a small settlement offer 8% of debt over a month ago. Accord keep pushing me to deal with them over the phone, which I have no wish to do. They also keep pestering me to fill in an expenditure form. I've explained I'm about to be out of work so I don't see how filling in the form is a fair representation of my financial position given I have one more pay day before unemployment. I can't fill in the form based on being unemployed as not sure how much benifits I will get. I've explained all this, given them proof I'm not in perm employment, I've also given proof of what the property is worth and that I feel they should never have sold so cheap given value has increased so much. They came back to me saying I refuse to talk to them despite them willing to discuss over the phone. They feel they have done no wrong and as a good will gesture have given me a cheque for £50. I'm writing again asking them to clarify why they need the form given I'm going to be out of work, or do they want me to wait until April and do the form then? Surely they have to answer those questions rather than keep sending long letters pestering me to chat on the phone? These forms are just such a headache to do so I don't want to do one based on this month if they then are going to want another next Getting a bit frustrating and the cheque they sent felt like an admission of guilt -
Hi All, Way back in 2014 my wife and I started getting letters from HMRC saying we had been overpaid child tax credits to the sum of £180.12p dating from 2008. My wife and I never claimed any child tax credits for this year, as we were fed up with constantly being overpaid and having to pay money back from previous years. It was just not worth the hassle! We queried HMRC about how this debt was possible when no claim had been made. They were always evasive and less than helpful. I asked for everything to be put into writing, a reasonable request which they have never been able to do. After searching and reading other threads on here, I sent them the 'Prove it letter' and the 'Limitations Act' letter. They tried it on a couple more times, then all went quiet for a few months. On Friday my wife received a letter from Advantis Debt Collection Centre stating that they have been appointed by HMRC to collect the £180.12p. Yesterday I received an identical letter claiming £180.12p from me too. Today my wife had a text message from Advantis telling her to call them to discuss an 'urgent business matter'. Any advice or guidance as to what we should do now would be very gratefully appreciated! Cheers, Paul.
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I have just had an accountant I used in 2009 tell me I never paid him for filing accounts that year. I never used her again and the business was closed down. As the director of the company can she do this. it isn't a lot of money but I can't recall if I paid it or not and I'm surprised at the contact after almost seven years.
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Hello, I am sure there is already plenty advice about this but I can't find a case very similar to mine so appreciate if anyone can help me... Robinson way are chasing me for a very old HSBC debt of £1761.25. It is not on my credit report at all, and is around 10-15 years old so I sent them a prove it/statute barred letter. They replied saying they didn't need to prove it and it wasn't statute barred as I last paid £2.80 on 30/11/07, and that a CCJ was obtained on 08/12/10. They said they got this info from the original creditor. I do not remember this payment and there is no CCJ showing on my credit report. They did not provide any evidence of the above and said they will suspend my account for 14 days while I make payment arrangements (which I am certainly not going to do) I am concerned as they say this CCJ was gained less than 6 years ago, can they enforce it? Or can I delay them somehow? Up to now they have only sent letters offering massive discount and a 'reconnection' visit from a doorstep officer, which makes me think they don't have a leg to stand on as if they could get court/bailiffs surely they would have done that by now. What should I do now? Thank you and merry Christmas peeps! Any and all advice greatly appreciated.
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Hi I received a letter in September from Hoist Portfolio Holding 2 Limited stating the following and that I was to make payments to Robinson way. The first paragraph of the letter is as follows. " We are writing to notify you that MKDP LLP has assigned all of it's respective rights, titles and interest in respect of the above referenced account (Ex Welcome Finance Limited) to Hoist Portfolio Holding Limited effective 10/08/2015. The balance they say is £17580.00." This was a loan that I took out with Welcome Finance and was secured on my home which was subsequently repossessed in October 2010. Further down the letter it states that I should check my credit file and that this account will currently be showing under the name of MKDP LLP. However when I check my credit report (Both Experian and Noddle) there is no mention of this debt in either my Active, Default or settled accounts. When I spoke to Robinson way about this account, I said I would speak to Step Change and this gave me 30 days grace. However the time has now come when they will be contacting me again by phone. Before I speak to them I would like to know where I stand as if it was still a debt surely it would appear on my credit file. I look forward to some advice on this matter. Regards Kim Kitchener -
Been in arrears with SPML, had warrants suspended, paid off arrears then fell back again. One month ago before Judge X the case was adjourned until 13th February pending the payment of £4156 before 31st January. Due to matters beyond our control this did not happen. However, at court on Friday we were listed to sit before a nice lady judge, Judge Z. When SPML's solicitors realised this they weren't happy especially as Judge Z was quite obviously leaning in our favour. She even said 'in the current economic climate repossession helps neither party...'. But my oppo managed to persuade Judge Z that the case should be heard by Judge X and we subsequently reconvened before him. Judge X, true to form decided in favour of SPML and we are to be evicted in the next 2 - 3 weeks unless we can now find all of the arrears - £8000. What right of appeal do I now have, if any? Also, can I appeal using the case of Norgan v C&G or does this have to be argued by a lawyer?
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Had 2 letters recently from Lowell's chasing an old Vodaphone bill back from 2008-9, the default was registered on my credit file on 03/10 so coming up to be statute barred, No contact or payment has been offered/made. Lowlife have dug it up and sent me a letter a couple of weeks ago giving me 15days to reply as they see no reason why its not been paid etc... today i get another letter from then, they do seem to struggle with counting because they gave me just 14days still maybe it's a newbie? if you don't pay etc we may take further action including court action. .what would be the best way to procede as i'm reluctant to make contact in any way due to statue barred in under four months. ..would they race it to court in that time or send threats to? many thanks
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Received a rather unfortunate parking fine from UKPC after parking outside sports direct at a retail park in Aylesbury (I don't even live there hence why I didn't know about the pay and display rules). Walked up to car after a quick 20 minute visit, to find a ticket and the warden standing there I asked him why I had one. Not knowing about the need to have a ticket I tried to explain my innocence but he couldn't do anything. I read the sign after (my fault I know but I just didn't think I'd need a ticket) and it said parking free for two hours. I was there 20 mins and made a genuine mistake not knowing the car park rules. I appealed, and had an email saying if you don't hear back in 35 days to ring the number provided. It got to 35 days and no response. I rang them several times with no answer. I then received a letter today from debt collectors demanding £150! Original fine was 100 or 50 if I paid before 28 days. I rang the debt collectors and stated I had not received a response to my appeal, to which they said a letter was sent out on 2 Nov 15 - which is 5 days after my appeal. I have never received the letter. If I did I would've reacted there and then. They have said pay up or it goes to court effectively. Now I feel I am being harassed without my appeal being dealt with properly. I've heard the BPA or POPLA can assist? But as it stands I can see it only escalating and my mitigation does not seem to have been looked at fairly in my opinion. Has anybody got any advice? I am being fined for making a genuine mistake but the fact the parking was free for two hours and I was there for 20 mins seems extremely unfair if I can only have a common sense approach applied plus the fact my appeal rejection was never received by me must stand some ground? -
Received a letter from DWP saying I owed than money from çrisis loans and care grants from 1998 and that are taking it out of my benefits. I requested a SAR to try and identify these debts they sent a computer printout that makes no sense and a letter stating that they no longer had the clerical records. Surely they must keep these to prove the debt as any data can be fed into a computer to produce a print out. Help me please
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Hi all, been receiving letters from Lowells chasing an old vodafone debt. I believe the "Said" amount owed is not the actual amount owed. I have so far been ignoring their letters as they are a bunch of shysters and have received a " Pre-legal Asessment letter offering a 40% reduction or a threat to be taken to county court. I don't even know if: A. The account is statue barred B. The amount showing is correct C. The debt is even mine. Any help would be great-fully received. Thanks
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My niece is being hounded by Vodafone for a mobile phone she ordered on contract. She changed her mind and returned it immediately without using it. She has been in touch with them countless times stating it has been returned and they have even stated to her, during one conversation over the phone, that it was received in the warehouse yet they still say she has it. She has now received a letter from a DCA stating she owes £1000 for the phone and cancelled contract. Any ideas on how she can get this sorted out as she us now beside herself? Thanks in anticipation! -
I arrived home yesterday to find an unexpected letter from HMRC requesting I pay them over £500 for an over payment from April 2009. My issue is that I wasnt aware that this over payment occurred as it would have been paid into my ex-gfs account I have no idea how to proceed I have no evidence which explains why there was an overpayment or even if what they are telling me is correct. I split up with my gf in early 2010, I have since moved house multiple times, have changed bank accounts etc and do not have (or have ever had) any documents relating to this. I gave them a call and they told me it was for a debt in April 2009 and that my ex had paid the other half (so she must have admitted that it was a mistake??). the adviser i spoke to on the phone accused me of lying and said there was no way I wouldn't know about this and they they have sent me letters in the past which is simply not true. I have said I will dispute the claim but I have no evidence to the contrary and I am unsure what I can do, it looks as if I may have to pay this? please help!
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Yesterday I began receiving phone calls from a 0203 number, which turns out to be PRA Group Debt Collectors (Aktiv Kapitol). They are now bombarding me with calls (even the number is on auto reject) and automated voice mails requesting I call them. I used to have dealings with Aktiv over an old HSBC debt which passed in statute bared status over a year ago (if not longer). I won't answer these calls and will only deal with them in writing (if I have to contact them at all) but other than that what can I do? I am unable to pay off the debt (and it is unlikely I ever will be able to) and to be honest I thought I had put the days of being chased by DCA's behind me. Also, why start bothering me now when I have had no contact with Aktiv for years (save for an account statement last year)? The debt is no longer on any credit file (I check all of them religiously) although I am worried they will try to [problem] me in some way. Any advice? Thanks in advance.
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Hi I hope you can help. I have been told a citation was delivered to my old address in Scotland ( i now live in england and have done for a few months now) for an old loan from 2007 from Bank of Scotland £15k. The documents have been posted to me. I cannot recall what it was. I also states in the writ that a payment was made in March 2014 which I could not have done. I suspect this maybe statute barred but have no statements or anything to determin this. The return date is 9th November. shall i just fill in form 07 and detail new address? I am about to send a CCA to Cabot who apparently had debt assigned in November 2014. Optima legal in Glasgow are the solicitors for Cabot. My husband is terminally ill and although happy to defend cannot attend court to defend this in person and cannot afford solicitor. Any help on best way to handle this appreciated.
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Hi folks. I'm new here. Hope this is in the right section. In short, I rented a shop and ran a business. I signed a lease for 2 years, commencing April 2012. At this time, I opened an account for supply of gas and electricity with British Gas. By April 2013, I decided to close the shop. My landlord agreed that I could vacate after just 1 year as we came to a financial arrangement. At this time, I contacted British Gas to advise them that I was closing up and asked for my account to be closed. I was issued a final bill in May 2013 and I paid in full. The account was closed. Recently, I've received a DCA letter at an address I now have a new business at, chasing £1400+ on behalf of British Gas. I called British Gas and, apparently, in September 2013 my ex-landlord called them to state that I was actually still occupying the premises and that the account should be re-opened in my name (and not put in to his name by default)! British Gas apparently did as the landlord requested and so from September 2013 until now I've apparently been accruing standing charges for a premises that I vacated a long time ago. British Gas are telling me there's nothing they can do, it's a "third party dispute" between myself and the landlord. I don't understand how an account can be opened in my name without my knowledge, for a property I don't occupy, on the say so of an apparently rogue landlord. Any ideas guys? -
Hello everyone .. I need your advice on a peculiar situation I'm in now. Two weeks ago I received a notice of removal from a bailiff for a debt of £1030 owed to the City and County of Swansea. I went to the bailiff's office they said it's about 3 parking fines from last year. I don't own a car, a driving license and I don't even know how to drive. I went to the council they said there is a car registered in my name and my address. I went to DVLA and filed a complaint that I am not the owner of the car. DVLA said it will take three weeks to process. My guess is someone with the same name but different address is the owner of the car. Both the council and DVLA have a previous address for me which I know nothing about. I arrived in the UK one year ago to study and I have only one address which is a room in a house shared by other students. I filled a TE7:TE9 form and I stated that I am not the owner of the vehicle and I live only in one address. I attached my tenancy agreement, my visa with the entry date on it, my police registration certificate with my address that I registered as soon as I arrived. I also attached a letter from my landlord that this is my only address and that I don't own a car. The bailiff action is now on hold. I received a copy of the council's letter to TEC, the council rejected my application and they request the court to change the address on the warrant to my address claiming that I am the same person and I changed addresses. They ignored all the evidence that I submitted and argued that I didn't submit any evidence from DVLA. When I went to DVLA the first time they said the registration number doesn't exist in their database, and I stated this in the TE7:TE9 form. But when I went again I discovered that they have mistaken the number zero for a letter O and there is actually a car registered with my name. But this was too late to include in the TE7:TE9 form. The council states in the letter that "although it is apparent that I might have not received correspondence from them it's my responsibility to make sure I receive mail after a change of address". I am worried that TEC will also reject my application and approves the council's decision, should I seek a legal representation? Any advice will be appreciated ... Thank you -
Hi, After some advice if anyone can help. It's very complicated - well, at least it is to me as I'm totally out of my depth! I'll try to be brief... Back in 2013 I was on JSA and totally, brutally, skint. I had a small pension with Standard Life, the current value at the time was 10k. I received a cold-call from a company offering me a way to transfer my pension and release 20% of the value immediately. I was 38 at the time and even I knew that this was probably a bit dodgy as 55 seemed to be the only age this was allowed. But because I was so poor I figured that £2k now and worry about the 18k in 17 years time! The fees they charged me were horrendous, but I got £1780 and to be honest it saved my life. Fast forward two years and I had a phone call from a genuinely nice guy at HMRC asking me why I hadn't filed tax returns for my "company"! Long story short, this pension release firm had set up a holding company for me and transferred my pension funds to it, they then bought £8k worth of shares in some crazy business - I had no knowledge about any of this. The guy at HMRC basically said, "don't worry, we come across mug-punters like you all the time, your only crime is being a thick idiot, but we will come after you for 40% tax on the full 10k unless you transfer the funds into a proper SSCP" ? I've got in contact with the original firm which handled the paperwork (interestingly it's not the same company which cold-called me - they were just acting as an introducer for their commission). Again, to be fair, this firm who handled the paperwork have got back to me and said there's still about £900 my "fictitious" (to me) holding company, and the 8k shares are real. So, I've got the original share certificate coming from the business I "bought" 8k shares in, and the firm have promised to send me a check for the £900 once "they have concluded business with HMRC as they've deregulated your small stakeholder pension fund". I hope the above makes sense, as it barely does to me. I guess my question is, IF I get sent a cheque for £900, and IF these shares turn out to be worth more than the paper they're written on and I sell them, then do I need to tell HMRC and pay 40% tax, or do I wait for them to ask for it in the fullness of time. I'm still on JSA. Thanks if anyone takes the time to make sense of the above. And please feel free to ask me more questions - I'll answer to the best of my ability. -
Hopefully this will be the right thread as is a general CCJ question: I had a CCJ placed on me on 10/09/09 by an architect who had done some plans which I had paid him for. He then decided business was tough and invoiced me for additional £3k fees - which I refused to pay as had already paid the agreed £3.5k invoice. Thought nothing more about it, heard nothing else about it until July 2014 when received a letter and an email from Lombard Legal claiming they were acting for the architect. Brilliantly the letter and email both had different amounts owing - a total of £1800! I ignored the letters and again forgot all about it, Lombard Legal didn't and then in November 2014 I got an email and a call - followed 45 minutes later by a visit from 2'Lombard Agents' coming "to collect what I owed their client". The agents and the company are currently part of a Merseyside police investigation and so again I thought nothing else of it. Then last Saturday I received a letter (dated 14/09/15) from my old friends at Redwoods saying they were acting for the architect and were pursuing the debt that I had to pay to them. This was followed by a letter received yesterday from their side kicks CW Harwood saying I had to pay Redwoods or all sorts of actions could be taken - including County Court proceedings being issued where a judgment could be awarded against me. Just taking a breath and thinking about this logically thought first action would be this post to get the thoughts because from what I can see the judgment was 10th September 2009 and this action is earliest 14th September 2015 - so over 6 years. My questions are: 1) has it become statute barred? 2) if not why not? 3) if so do I need to write to them or the courts etc? 4) Is there a type/template of that sort of letter? 5) what else should I be doing? I am hoping that my thoughts are correct but not sure - hence help request! Thanks
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