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Found 19 results

  1. I hope I am posting this in the right place. I had a DMP which I cancelled after advice on here (thanks guys). Three debts, all with Yorkshire Bank. Cabot says that they now own all the accounts. I wrote to Cabot with a CCA request and they wrote back saying that they didn't have it but they would try to get it from the OC. Much later, they wrote to me again saying that as they couldn't provide the information I requested, that the debt was unenforceable but they would appreciate my payment as I still owe the money. Since then, I am being contacted several times a week by
  2. I have received a letter from Robinsonway asking for me to contact them about a debt, which would be over 20 years old. They have been texting me and sent me a letter and also called me wanting me to clear security with them before they would discuss the issue with them. Which it didn't as I advised that they could be anyone and asked them to clear security with me before I confirmed anything to them. They wouldn't, and just said the letters would just keep coming. I wanted to check if im right I believe there was a letter that you could send asking them to provide a signed
  3. The facts are as follows: 1) I owe MBNA some £10k that has not been paid since November 2016 (so recent) and I imagine is about to default. Its a combination of balance transfers from cards that were used to fund my foreign studies. 2) Until now my parents have been transferring money to my bank account which I then forward to them as minimum payment. This is not sustainable for any of us and I am just barely paying the 28% interest. 3) I have lived abroad for a long time, but kept my UK accounts as they were useful but the situation has become critical. I did not infor
  4. I'm not sure if this is on the right board, but just before Xmas the recruitment agency advised me that because the firm I was working for had 'invoicing problems' (the firm weren't paying the agency for me being there, although I got paid) and as a result my temporary assignment was ended with immediate effect. However, I checked my social media and emails and one of the bosses who I used to do work for has emailed me today asking me to contact them. If the firm wanted me back surely they must have to go through the agency first etc. I was there for 6 months and in the process
  5. Hello there I'm a 20 year old student who was lucky enough to be caught out by a revenues inspector before we'd even left the first stop (penzance).. i got the whole 'you dont have to say anything' etc followed by a set of questions. I chose to comply, i have a railcard, im not a train hopper, i wasn't hiding in the toilet, i was short for time as i was relying on a lift to the station and so i ran onto the train at the last minute. after the set of questions and after i spent time arguing my point, he told me i would receive a letter which would be a cauti
  6. Hello, My ex hubby and I took out a loan in 2003 with Citi financial, it was never paid off due to running into difficulties. It is now been paid through the courts. After reading the paperwork from Reston solicitors we noticed we had paid ppi on the loan of £2373.53. I want to claim it back if possible but I have to much going on in my life to do it myself so want someone to recommend a company who don't charge the earth to claim it back for me. Thanks in advance, Debbie
  7. Hi I am self-employed and have just began receiving letters from Fredrickson Internatinional re overdue NI contributions for £500. They have said their next point of action is for an HMRC officer to visit me or for court proceedings. Does anyone have experience of this? Should I make contact with this company or contact HMRC? I don't want to make contact with Fredrickson as I know they have a very dodgy reputation. Thanks
  8. We took out a tv from Dial a TV in May and made a few monthly payments. My DD got cancelled due to some financial problems we had at the time, they wrote me 3 letters up until August and then I heard nothing. Around 10 days ago there was a knock on my door. It was Dial a TV coming to take the TV away. I advised them that he couldn't take it there and then and that I wanted him to provide me with a court order etc. He said that he would have to go back to the office and report it as stolen to the police and that he would return with the police to take the TV. The next week he retur
  9. Hi all, Huggys Boss here I have received a call from my work this morning to say that they have been receiving calls from a guy call Mo asking for me. He left a contact number and ref number and told them he was from Fredriksons!!!! I have rang them this morning and blasted them. They told me they were entitled to contact my employer, are they correct????? I asked them how they got my employers number (I have only been in the job 5 weeks and have certainly not given them the contact details for work) he told me they did not have the number on file, on
  10. Hello all I have several debts that I am currently repaying, under a self managed repayment plan, to which all debt collection companies agree to every-time. This thread relates to one company, BPO last year they offered me a reduced rate of 12 payments of £? and the rest will be cleared, I paid the 12 payments and wrote to BPO stating that the account should now be closed and that all credit reference agencies notified that the account has been settled as per the agreement, I got a letter back, stating the remaining balance is still payable due to the
  11. Hi all, Although I'm not a UK citizen (I'm Dutch) I have done a lot of business through Ebay UK over the past years, mainly offering classic car parts for sale for which the market is better at your end. All went well, 100% positive feedback, until a few months ago when a buyer claimed no to have received the item I sent off to him. As I had no reason to doubt his honesty I trried to work out a solution, eventually sending a replacement item. During the time the matter was pending, I contacted Ebay Holland (a bit easier for me language wise) to discuss who was to foot the bill for t
  12. Hi Guys, I'm hoping one of you wonderful people can give me some advice please My husband has been awarded contribution based JSA & today my employer has received a letter asking for my income details, stating that I have given them permission to contact them. This is my husband's claim, I am not claiming JSA as I work 16 hours per week & I have never signed anything giving them permission to contact my employer. Can they do this without my written permission & does my employer have to provide this information for a contribution based claim? Any advice gra
  13. Hi All, Hoping someone can help me. I am in the process of doing a DMP/IVA or a DRO and was wondering if I can get help on a few issues. I am only being badgered by a couple of my creditors but understandbly want to clear everything so effectively I can start again. I am in the process of contacting all my creditors for balances etc a nd was wondering if anyone had a draft letter to help me (maybe requesting I&C are frozen request) and what info I would need to ensure I get recent balances and not duplicate creditors. I have checked my credit report with N
  14. Hi this is probably very minor in comparison to many folks problems, here's my issue. Had a new mobile and number last Dec apparently it was previously owned by someone with debt who was being hunted by debt collection companies. Three of the companies accepted the fact from me that I am not the person they seek, MacKenzie Hall however don't. Despite sending me an email in June assuring me my details would be removed they are back at it this week. I have written another waspy email which I will send to MacKenzie Hall although only have two
  15. Hi, I have a few payday loans which have got out of control and with my current financial situation I am unable to make a repayment anytime soon. I have a couple of questions. 1) How can I stop these DCA from contacting my employer? as I am getting multiple calls each day? 2) How can I find out what DCA my debts are with? 3) At what point is it deemed to be harassment and who do I contact in regards to this? 4) I sent a denial of access letter to one of them and they continue to leave me voicemails and letters saying they are going to arrive unannounced, what can
  16. Hi all, I have recently had several weeks of sick leave, that were backed by a 'fit note' from my GP. Upon return to work, my employer requested a GP report, which I approved. After signing the relevant forms, I thought no more of it and awaited a follow-up with my employer after they had the info they needed from the GP. Fast forward a few weeks and my boss and an external HR consultant (I work in a small company, so we have no HR team/person) called me into a meeting, in which they said that they had spoken with my GP (or the surgery) several times, to check if they had received th
  17. Whilst going through a period of ill-health, I recovered to find my finances had taken a severe knock. I had a £500 Overdraft with Smile that had a charge added on which pushed me into an un-arranged overdraft, they then decided to reduce my overdraft and it all went bad. The account was suspended. I rang them up and agreed to pay £100 per month off and be done with it, 3 months later due to an issue with the ESA which I was receiving, I stopped paying. This was around 7 months ago, December 2012. Now the truth be told I've been kind of hoping for contact so I could ring them up, at
  18. Hi guys, MMF just called my work phone number (Security Department in an MOD building) with a pre-recorded message saying "We are looking to speak to a Mr. Yukiko regarding an outstanding account; please contact us back to prevent a home or workplace visit". Is this legal? My manager has just rang them and given it to them hammer and tongs, and he's backing me all the way. There's no way they should have this number as when it's called from, it is witheld. Cheeky much!?
  19. Hello, MotorMile now "own" a debt from WagedayAdvance have been contacting my work every single day 5-10 times a day leaving messages, threatening bailiffs to visit. Doesn't scare/bother me in the slightest but Ive just contacted them and got into a huge argument with one of the staff members asking them to stop calling my work and harassing me while trying to force me to pay a non priority debt. I booked 2 weeks holiday off from work to enjoy with my family and received them while i was away. Now hes basically saying if i can afford a "holiday" i can afford to pay my debts and a d
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