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Found 155 results

  1. Hi All Help appreciated on this........ ......I entered into unofficial debt management plans with approx. 15 creditors around 8 years ago, interest and charges were frozen and have been paying low payments every month ever since. Suddenly last week I received a letter from Direct Legal and Collections on one account with them, saying some new credit information had come to light and they needed to speak to me urgently. Then next day another letter relating to my other account with them arrived saying they would be applying for a ccj and then a charging order. I had a good scout on this site and a few others and decided the best course of action would be to request a copy of the consumer credit agreement and sent this for both accounts last week by signed for delivery. Today I received a letter from Alpins telling me they had been instructed by DLC to take steps to recover the outstanding balance on one of the accounts. They have requested I call DLC to make full payment or reach agreement within 7 days or legal proceedings may commence. After all this time I have just managed to get into a situation where my credit file is looking pretty good and I don't want to risk a ccj at this stage. I am not sure how to deal with this. A ny advice would be very welcome. Many thanks
  2. Just got a letter from the insurer of a car I had a small shunt with in July 2011. They say they've not had a payment they requested from my insurer at that time for repair costs and will start legal proceedings against me directly in 14 days. I've heard nothing from my insurer since Jan 2012 when they said they would be settling with the other insurer. I've forwarded the threatening letter to my insurer but I'm concerned at the way this is going. Is this a standard tactic when a settlement is involved? What happens if my insurer do nothing and I get the threatened action against me? I assume their claim will attempt to revisit the accident circumstances and some court decision made where I will become liable for some part of the costs they quoted. Would I then have to sue my insurer? *baffled* As an extra bit of comedy the 3rd party insurer issuing the threat is now my current insurer
  3. Hello, I recently returned from a holiday in Poland to find a delayed letter from the FCC wanting to prosecute me for an unpaid fare. I was travelling from Hatfield towards Kings Cross and before the stop at Kings Cross the ticket inspector arrived in my carriage. I was in possession of a 16-25 Young Persons Rail Card but I lost it on earlier on that day which I told the inspector. The ticket Inspector wrote me a ticket, i provided all the necessary details and told him that I could prove my Young Persons card from the receipt i received when i was originally issued it. He said that he will still have to write a ticket and you can write a letter in appeal once i receive a copy of the penalty. However, a week later I was due to leave for Poland and the penalty still didn't come and when I returned it still did not arrive in my mail. Only today I found a letter with my name on it regarding the FCC prosecution written to the wrong address. I am clueless as to what i can do. I attempted to contact them but no response. I am an 18 year old student wanting to become a teacher and a criminal record is the last thing I would want especially before my career has even started. Any help to avoid getting a criminal record even if it means paying an extra fine i would gladly take. Many Thanks, Szymon
  4. Hi everyone, My father got an invoice from UKPC for allegedly parking in a disabled space (in a free carpark), I read through some of the posts here and told him to ignore them, he has since died. My mother rang them and explained the situation, they told her to appeal and send them an original death certificate. My mother has now suggested that she send them the usual letter denying any liability and a photocopy of a certificate, is this a good idea? I'm not an expert but I would assume that trying to take a dead person to court would take a lot of effort. Thanks in advance.
  5. Every year I always shop around for my car insurance, I never auto renew it, my car insurance was due in mid May. At the end of April I got a phonecall from Swinton's Stratford-upon-Avon branch and I told him I was NOT renewing my policy with them as was not happy with how my policy had been dealt with or the renewal price, I'd got the renewal info a day before, he said it was the best price I was getting, my response was to again say I am not renewing my policy with your company. I bought and paid in full for a new policy with another company, a week after the renewal date the 1st envelope from Swinton arrived with my 'thanks for renewing your policy' and the documents enclosed , I phoned up and asked what they were playing at as I'd already told them I was not renewing etc etc, get told I have to return the documents and provide proof of insurance. The 2nd letter with the 2nd certificate etc arrived within 3 days, so I made a round trip of 28 miles, gave them their certificates and bumf back, they refused to print out my certificate which was the only proof I had as my insurers are online (my printers broken) they refused to accept the cert number as proof (most other companies do this OK), so I got angry and told them to f off and they were getting no money out of me for something I didn't want or ask for, I also told them I had cancelled my direct debit and warned my bank (normally I pay in full). Since this I have had a few letters mentioning about my direct debit, then they're going to reapply for my direct debit and now they want £120 for fees for this product I never wanted to start with.............................the saga is ongoing
  6. Hi I have received a letter from Red threatening that the next action they are going to take is to issue me with a statutory demand. The debt is a catalogue debt, and is around £378 in total. I have not been making payments to the debt as I am unemployed at the moment and I suspect a large portion of what they are claiming I owe is charges. I can't afford the monthly amount they are asking for. National Debtline advised me that based on my income I can only afford to make token payments of £1 per month but I can't see them accepting that. I hope to find employment in the New Year and be in a position to make higher payments. Are they likely to issue me with a SD or is it an empty threat? If they make me bankrupt they will get nothing as I do not own my house and I have no assets.
  7. Payday loan companies have been caught threatening customers, grabbing cash without permission and rolling over debts as many as 12 times. A devastating report has revealed how these controversial firms, which offer short- term instant loans with annual interest of up to 14,000 per cent, are leaving customers struggling with massive debts and unable to buy food or pay bills. Payday lenders claim they are performing a public service — making it easier for borrowers who can’t get easy credit from banks to pay bills. They say their customers are generally satisfied. But the investigation by the Office of Fair Trading (OFT) revealed an 800 per cent jump in the number of complaints about such companies in just two years. It also discovered these firms were dipping into customers’ bank accounts without asking — leaving borrowers unable to meet essential living costs. A spokesman for debt charity StepChange said: ‘This report reveals the systemic failures at the heart of the payday loan industry. This is its last chance to show that it’s serious about protecting customers from the rogue elements with which the sector appears to be riddled.’ The OFT found some lenders were actively encouraging customers to delay paying off their loans in a process called rolling over. http://www.dailymail.co.uk/money/news/article-2235892/How-payday-loan-bullies-stealing-cash.html
  8. I am asking this question on behalf of a close friend. At the beginning of the year, my friend was stopped by the Police, driving without a licence. She heard nothing until 10 days ago when a letter from Marston Group Bailiffs demanding some £975 turned up. My friend ignored this and has had a bailiff call today demanding £1175, or they will remove goods on Monday at 07:15. They say they will be accompanied by the police. They also threaten to force entry. My friend genuinely heard nothing until 10 days ago, has absolutely no money and very little in the way of goods to be removed. Do we have any options? Can the bailiff force their way in? Can they threaten my friend with jail – they have done this The letter left by the bailiff says that it is a final notice, does not specify what the debt is for, and appears not to be a court warrant. My friend is extremely worried (as she should be), but she could do with some sound advice if anyone can be so kind Thanks Droopy
  9. I would appreciate any advice on these people formerly MMF chasing a wage day loan about 5 years ago. I stopped paying them because they was continuing to add charges and I repaid this loan 5 times over. MMF have been chasing with threatening letters and now letter from Marshall Hoares threatening to visit. What should I do about these clowns? Please anybody Thanks Mashmallow
  10. We had a limited Company and have had to stop trading as landlady didn't renew lease after 13 years. all our income stopped and the Company owes money to the dutch flower supplier. i thought we were safe as we were a limited company but in their extremely extremely small print it states that any debt is personally guaranteed for the limited company. they want to reposses my house - i have 2 small children and my husband has had a kidney transplant - help!! we are seeking legal advice but interested to see if this small print would stand up in court. we were bot served with a statutory demand last night. they said they had to serve it to both of us even though i've never even spent one penny with this flower supplier. any advice very gratefully received....... we have known the guy for 20 years and the bailiffs just keep telling us that they will force the sale of our house.
  11. http://www.dailymail.co.uk/news/article-2223827/Now-energy-bully-boys-threaten-break-door-read-meter.html What is even worse about this is it has nothing to do with anyone owing money - just a legal requirement to check meters. Note - yet again NPower seems to have a problem telling fact from fiction.
  12. Hi, i've got a secured loan with welcome that is in arrears,and although i'm still bankrupt they say that should my main lender reposess my house ,then they can arrest my wages in the future when i do manage to find a job. Are they able to arrest my wages as they say? i was told by someone that if my main lender reposesses my house then any proceeds if any will go to them first and anything left will go to secured creditors.My house is worth less than the mortgage so unlikely anything will be left for welcome,then would the welcome secured loan not become a unsecured debt and is then carried into the bankruptcy pot? Thanks for any help. kps
  13. hi i have just received this letter from mackenzie hall for a debt with quick quid. although i continually offered QQ a repayment offer of £40 per month (due to my work hours being cut this is all i could afford), they sold it on to MH, i have had no correspondance with these apart from this letter ive attatched. i know they are a bit dodgy after reading other threads on here and was wondering if anyone could advise me on the best way to deal with them as they have threatened to contact my work which i dont want to happen, by the way i received this letter on the 17th lol
  14. Dear CAG Desperately need some urgent advice on current predicament. Have been threatened with repossession from GE Money on a loan that I have secured on my property. I'm in arrears with the loan and as I've been unemployed for quite some time now, have not been able to get back on track with them. (reconsolidation loan for £20k, taken out in 2006). The mortgage I have on the property is with A&L and although I'm in arrears with them (and have just had an eviction order stopped), touch wood, a repayment agreement has been made (set by them) and I am now repaying each month what they've asked (as well as a lump sum up front). Even though I'm out of work at the moment, I make up the shortfall I incurr on the interest only payments (DWP help me out with mortgage interest relief payments). I've never missed a payment but because I'd not contributed anything to the arrears as yet and I'd not responded to a recent letter from them, they went and sent me an eviction notice, which was nice. Whilst speaking with them to resolve this matter, they did state that GE Money had been in touch with them regarding any arrears I had with them (they said they have the authority to do this). I didn't go into any further discussion with them at the time as I wanted to get my eviction notice with them sorted and have an agreement put in place. Since then, I've now received a notice from GE Money a few days ago, stating that they too want payment of the arrears upfront otherwise they'll apply for an eviction notice (crap timing or coincidence?). There are a couple of things I wanted to seek advice on from yourselves, if anyone can help. I've read a few threads on here about GE Money (yes, they're a lovely bunch of people). Since being out of work, they've not given me any breathing space at all. I get the usual £40 fee applied to my loan each week (just for being in arrears) and they continue to send loan counsellors around for a cup of tea and a slice of cake, at £80 a visit. Every time they call, we have the same conversation, we do an income and expenditure list and they leave and I feel like s**t. Then I started to get really wound up as I've told GE Money that as soon as my situation changes (ie when I find another job) I'll tell them. Yet they still send the men in suits around. So it's costing me £80, just to tell them I'm still in the same situation. In regards to letters from them, I get around 30 a month (borderline harrasment?). I don't pay what I should each month, simply put, I can't afford to. I pay what I can, when I can and I pay over the counter now as I can't bear to phone them up. Last time I did, they said they'd happily accept the usual montly installment (£250) plus another £200 towards the arrears. In all, £450 a month from a currently unemployed single mother. Hilarious. A few times when I rang up to make debit card payments they actually refused to take anything from me as I wasn't offering the usual amount (I insisted they did, rather than it look like I'm not trying). I understand the situation is now precarious but I've had conflicting advice from two of their loan counsellors (on the quiet, must be the nice cake I provide). One has said that in order for a respossession to take place, they would have to force the A&L to sell the property from under me. Another has contradicted this, saying it isn't necessarily the case (but didn't go into further detail). The letter I've just received is worded different too. It states that if I pay all the arrears up front (can't do that) then all action cancelled. If not, they will seek an eviction order from the courts and once I've paid, they'll happily give me my house back. Does anyone know where I stand? If GE Money seek an eviction notice, is it the same as any normal procedure? I'm not trying to get out of paying what I owe, but at the moment, I can't pay them what they want. And the more I think about it, the more it's confusing as to what will happen. Can they enforce an eviction? Will they liaise with A&L? Technically, the A&L own the house, so I don't understand how all this would play out or where I stand. Before I got this notice I was gathering info on Time Orders as that was originally going to be my next step, as well as looking at any PPI claims I could make (and if successful, put funds towards any arrears I have). Any help you could offer would be greatly appreciated. Many thanks.
  15. I took a payday loan out with this company about a year ago and defaulted After some initial chasing I have heard nothing from them for months and today recived the e-mail below saying they will make me bankrupt if i dont pay them over £4k. The original loan was for a couple of hundred I am scared and worried - please help Attn xxx We issued you with advice in our last correspondence that should you fail to respond in regards your debt with us Bankruptcy proceedings would be initiated. We are now writing to inform you of the next step due to the fact you have failed to comply. Re Amount Outstanding £4968.00 With regard to your overdue account, we have decided to start bankruptcy proceedings against you. In the next few days you will receive a statutory demand requesting immediate payment. If you fail to respond to this we will make you bankrupt and you risk losing your home. This can be avoided if you contact us today and agree a payment structure. Yours sincerely Swift Money Legal Dept 0845 508 6408
  16. Hi, New here. Worried I'm unemployed and don't have a way out. 1st Credit claim to be the legal owner of a Bank of Scotland debt (mine, allegedly). It's 'years' old but under six years. They're making noises about taking me to court. I don't have the ability to pay them, so engaging with them seems a bit pointless. Do I respond to them and keep them talking (knowing that I can't pay), or do I ignore them and wait for them to bankrupt me? (Not all that keen on bankruptcy).
  17. Asking on behalf of a friend, who was physically attacked by a colleague, who put her hands round her throat, no provacation on my friend's behalf, and no sign of the impending attack. The managment have dealt with it informally and moved my friend to another office, after being off for 7 weeks with stress. Should the person not have been dismissed, as it is a criminal offence, and should have been reported to the police. Any advice?
  18. Hello I have been in quite bad financial trouble due to payday loans, and have a payment plan with Littlewoods which I have got behind on, and they have now threatened to pass my account to a DCA. If it goes to a DCA, will this mean the account shows as default on my credit file? I'd be happy to arrange a plan with the DCA but worried about constant phone calls to my home where I live with parents. Any advice is welcome, I owe less than £1k to littlewoods, which after september will be easier for me to clear. Thanks
  19. I have started for thread for Cumbria A message from Cumbria on facebook Help please. Hamptons Legal.... been checking CAG files and getting lost in so much info ..... basic threat at the moment over debt with Lowells.. would prefer to deal with this off FB. Currently threatening Statutory demand although as usual, not happened as yet ... I'm looking for the reasons others have used for set aside (not just the list usually given out) just in case they come at me /or this could just be another of their threats... any help ... Cumbria will be along soon with more info Many thanks guys for any help you can give her....... Lex
  20. hi i have just split up with my ex,i rent my own flat she was staying here most days a week and some at her mum.i am the only person on the tenecy agreement.we have had a bad break up i have dropped off all of her belonging at her mums.some furniture we went half's on.she is now saying because she has the receipts for some of the stuff we bought together she is going to phone the police with the receipts and have them removed.i have paid her half for these items.i have a basic bank account so she used her card.can she do this? what is the procedure? what are my rights? thank you in advance if anyone can give me some advice regards dan
  21. My sons company bought a house through Paragons buy to let mortgage. The house was not in a good state and the idea was to do it up and then let it. Unfortunately my son ran into problems in his life and could not afford to do any work on the house. I moved in and pay the company rent. The house is in desperate need of rewiring, a new boiler, shower doesn't work, sink in bathroom can't be used....but I manage OK with how it is. My son has no money and is struggling to get by and I have no spare money either. Two weeks ago the bank did not pay the mortgage as I had changed the date my rent money went in. Paragon got in touch with my son and he could not pay them but I could....so I did.This is when they found out I was living at the house. They have now written to him saying he must pay mortgage in full or they will repossess as he can't rent to me as I'm his family. As it wasn't my sons property but belonged to his business we thought we were doing nothing wrong. They have given him 14 days to sort it or face repossession. 7 of these days have already passed as he was away from home and only picked up this letter yesterday. I suffer with depression and anxiety and panic attacks and since getting this news last night I can't rest, can't sleep and I'm in full on panic mode and can't think straight. I have nowhere I can stay and as I have a dog little chance of finding somewhere willing to take me and my dog. I am on benefits due to my health so that limits how much I could pay for somewhere The truth is I don't want to move. I'm happy here and feel safe. I have lovely neighbours and I'm near enough to my family but far enough away from my violent ex. I'm hoping that there is some way round this but is there? Any help would be very welcome Thanks for reading
  22. I received a letter from Apex regarding an Abbey debt from 2000 threatening doorstep collectors etc. The debt had been passed to them by Westcot, although their letter claimed that they were acting on behalf of Santander. Following the excellent advice on this forum, I sent the CCA form to them enclosing the £1 postal order. Naturally within a couple of days they sent it back saying they couldn't comply with the deadline as they didn't have any of the documents and referred me to the Abbey. We have now received a phone call from Westcot who previously were the debt collection agency looking for the money. We refused to discuss anything with them and they said they would be writing to us. Do I follow the same procedure and send them the CCA form and postal order? I have really lost track of this debt and how much we have paid over the years to the various Debt Recovery firms it has been passed to so I genuinely haven't got a clue how much I owe.
  23. Hi folks, Please be patient with me as i am new to all this, firstly i managed to get myself in a pickle when i lost my job, my debts went out of control etc etc and i just ignored the letters from debt collectors. They seemed to just pass them on to different agencies and i lost track of what was what and whose was whose. A couple of weeks ago somebody knocked on my door, didnt say where he was from and handed me a pile of paper, and told me that i knew all about it. It was a firm called BW Legal debt recovery solicitors. Issuing me with a statutory demand and that i should respond within 18 days, otherwise they would seek to make me bankrupt. I left it again as it is all getting on top of me, and seriously depressing me, however i got a letter today asking me to pay £980.00 immediately, then installments of £254.00 per month and if i did not, they would again apply to have me made bankrupt. The debt is just over £3000 in total not to one creditor but different ones, the full amount i owe is for various debts. I have been paying two other debts off and almost finshed paying them, as the creditor took me to court and i agreed a payment plan and have never missed, and like i said i just couldnt keep track of who was who with the rest. Why is this BW Legal simply not taking me to court, where i "Will" agree a payment plan as i cannot afford what they are asking. Is this normal what they are doing, or trying to scare me into paying this money quicker. Please help, as i am desperate. Many thanks.
  24. Hi there, this is my first post on here. Last year, October, after moving into a new home I had my drains sorted out by Dynorod, through my insurance company, LV. The total cost was £1450, which LV paid us directly less the excess -£100. In January I cut a cheque to Dynorod for the full amount. I must say that at the time we were in a bit of financial madness and come April when they called chasing payment I did not know that the cheque was never cashed by them, I gave them the cheque number and thought nothing more about it after the accounts girl told me of their usless accounts department and they have just probably miss allocated the funds back in January!!.. Then 2 weeks ago I got a call from an horriable woman saying we have not paid, I didnt reply to her for a couple of days and then came the registered post with a copy of the original bill and demand for payment. I called them immediately and after thinking this woman was being ok, she laughed at me when I told her I have checked my bank and of course they never cashed the cheque, now not having the funds can we come to some kind of arrangement / payment plan, I offered £30 per month. After her insults I hung up and emailed the MD and the FD emailed me back demanding £650 within a week and the remaining balance in August, otherwise they will go for a CCJ against me. I emailed back and made a new offer of £30 per month raising to £80 in October, when I have a £50 per month payment finishing, and 2 days later he has not replied. Should I reiterate my offer??..can they refuse such a reasonable payment offer. I did have a little stab at them in my emails saying that I have had consiquent quotes for the same work which are all well under half of their charges and that their surveyor at the time aid if they did the work for me it would be a lot less than if they did it for my insurance company!.... Any advice would be appreciated, my credit rating has been over 900 for the last 3 years and I really do not want it trashing with a CCJ..... Kind regards, Jon / Northwich
  25. My partner's house was recently sold by his landlady to a letting agency. The letting agent gave notcie that he was putting up the rent considerably, so my partner gave notice that he was leaving the property before that happens. Since then, the letting agent has sent letters claiming that my partner owes him upward of £400 in utility bills and council tax. The agreement with the previous landlady was that rent covered water and council tax, and gas and electric are paid through meters in the house. My partner has refused to pay, and the letting agent is now threatening bailiff action. We're confident that if the letting agent takes us to court, we have a viable defence; but at this stage we're not sure how this all works. From what we have seen on the bailiff's website, it looks like their solicitors can easily get a court order. Is that the case? Don't we have to have a chance to mount a defence? How does this work?
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