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About Me


  1. http://www.lullabytrust.org.uk/
  2. Hi there folks, I would like to ask a question about an overdraft situation. I used to run a small business about 8 years ago now I was a sole trader not a Ltd Company. I had my personal and business account with RBS. When things were going good money was being thrown at me by the bank. I needed a newer car at the time and I telephoned my business manager to see if I could borrow £7000 to purchase the car. He told me that he would give me it as an overdraft for now and to come into the bank and he would issue me with a bankers draft for the car d
  3. I am about to do a check with Trust online. I know i have no nasties but worth £4.00 to check. Especially TV licence as well as any CCJ https://www.google.co.uk/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0CCIQFjAAahUKEwjgxtfc1_rGAhVKBNsKHUr-CNI&url=http%3A%2F%2Fwww.trustonline.org.uk%2F&ei=5s-1VeC7OsqI7AbK_KOQDQ&usg=AFQjCNGfz1bOOlkvhrCCpLiz2-k0kpD24w&bvm=bv.98717601,d.ZGU Get through all the registration business and up pops card details powered by PAYPOINT asking as an extra precaution my address for bank card check. I
  4. Evening all, A few years ago my mum foolishly went to PDL companies for help when things went bad - she was ill and quite vulnerable and ultimately ended up taking an overdose to escape the constant badgering from these companies when she got into the inevitable mess. (this is when I became aware) I made a complaint to one of my mums payday loan companies because 1) they were reporting different things on different CRAs and 2) I believe they had irresponsibly loaned her the amount. Their response was that they hadn't irresponsibly loaned the money, as my mum had tic
  5. Hi folks, just joined and looking for advice. In January 2012 I entered into a 3 year trust deed. After about a year I sustained a serious head injury and was left with brain damage which meant I could no longer work or afford the £200/month payments. I contacted the company and they seemed very helpfull and agreed that while I was on benefits I would no longer need to make the payments. Last summer I was contacted by them and they asked if I could have a letter from a medical professional dealing with my case to confirm my injury was long term with a view to cl
  6. I rented a property in Aberdeen via Northwood Aberdeen and I want to share my experiences of when I left the property. I am not looking for any legal advice because I accepted the amount they kept even though it was totally unjustifiable and perhaps i was a little impatient but hey ho! I needed the money and they dragged it on for a whole month right until the end of the deadline from deposit protection. when I handed in my notice a full 2 months in advance (as per contract) they try keeping extra months rent (by saying I have to give notice from same date i moved in of curre
  7. Hello, I've started chasing BH over a couple of car finance agreements I've had with them over the years, one was with Chartered Trust it goes back a while. I've written the standard letter to them giving as much information as I could (vehicle reg, previous addresses) they have come back and said that as the agreements have been closed more than three years they can't find anything on their system and so they can't do anything unless I have an agreement number, which I don't. Sounds to me like they are just trying to bat me off. Surely a financial institution
  8. Hello, I'm hoping this will reach all those who have previously helped me, and that I will receive some speedy advice/help. If the people who have previously been kind enough to help me are not as knowledgeable on the following questions, PLEASE can you direct this post to people who can advise me asap? Thank you. I haven't been around for a while due to illness, (everything got too much for my already fragile brain). My questions here now may be better on a new thread, but as I can't fathom out how I open a whole new thread/topic/whatever, I'm hoping that
  9. ok my situation is a strange one. i entered a trust deed (IVA) 2 years ago but i lost my job this year and all they said was as long as i make a token payment i will be fine. i have been offered a job in canada and seriously thinking about taking it, i need to be there before dec 31st. this month is the first month i have not been able to pay my mortgage as I'm not working also i doubt ill be able to make my payment to trust deed. my question is whats my best option here goto canada and forget about my debt send the keys to mortgage company. can i go bankrupt from canada, explain situation t
  10. Good Evening I am wondering if you can help me you as people helped me lots throughout a suspended repossession For a while I have been corresponding with Restons Solicitors who are acting on behalf of Cabot Financial (uk) Ltd, who I believe have bought a debt from British Credit Trust. The debt was for a hire purchase vehicle which was returned to them before the half way point of the agreement when I fell into difficulties in 2008/2009. This is when the agreement was with British Credit Trust. At that point British Credit Trust obtained a CCJ
  11. Mortgage Arrears and Simple Interest - Is it fair? Took out a secured loan for £10,000 6 years ago. After initial application was accepted we were offered an extra £6000 which we agreed to. At the time I was concerned that we had been issued with two loan separate loan agreements - I wasnt happy with this and voiced this to the loan advisor and was basically reassured that this was just an administration technicality and would not make any difference. He even sent me argos vouchers as a sweetner. 12 months later my husband left me and our business collapsed leaving myself and 3
  12. Hi all. I am new here but I have had a couple of things on my mind regarding my trust deed. I am desperate to get a mortgage so my family can move. Back in 2008 I got into serious money problems so decided to get a trust deed. This comes off my file in January 2015. My score with check my file is 404 currently which is one star. It does not seem to go up however. I have 3 credit cards to improve my score (had one 3 years now and paid off in full every month) another one 2 and a half years (paid off in full - balance started at 250 but now has been put to 2200 due to
  13. Hi Every1 Think this is in the right forum sorry in advance if it isn't. I received this letter off of BCT this morning and I'm a bit confused. I brought a car through a garage some years ago and they used BCT to finance it... my health took a turn for the worse and I couldn't afford the repayments anymore I rang BCT and explained to them my circumstances and they agreed to have car back too sell at auction which then would come off the bill and I would have to pay remainder in installments they wasn't happy with my offer of £10 aweek so they took me to
  14. Hello - new to posting. Please help. I purchased a car on finance through BCT in Feb 08. Lost job in April 09 - rang company and asked them to take car back. They sold car at auction and they said we would not have to pay any more or a very small amount but I never had this in writing. Never heard another thing until a few months ago when I started getting letters from Cabot (which i stupidly ignored) Couple of weeks ago I received a court summons. I have today acknowledged the service and intend to defend it. The car was worth about £6000,
  15. Do you trust Russia enough to install Kaspersky anti-virus on your computer. I sure as hell wouldn't let it near mine, who knows what it is spying on and sending back to it's Soviet masters.
  16. I can't stress this enough, under no circumstances can FIRST TRUST BANK be trusted, they admitted a massive breach of data protection leaving everything avialible for other customers to see, to which I took a photo, this included bank statements, cheques etc.... They then poss forged my partners signature for a credit card application... [removed] They left my partner stuck in Paris when their systems went down.... When we complained they made us wait the full 8 weeks, admitted the breach of data protection, told us we had no right to contact them again, h
  17. Hi, I hope someone can help. My bankruptcy will be discharged in September and my file has been passed over to the LTADT. The query is that although I hold a 'declaration of trust' on a property that my ex-husband bought 14 years ago, I have paid nothing towards the mortgage or upkeep of that house and the OR has now put a charge on it. I never wanted to buy this property which is why I wasn't put on the mortgage, it is solely for my ex-husband. We had the trust drawn up on the advice of our solicitor at the time just in case it ever became my ho
  18. Between myself and my wife, we have 4 separate PPI claims currently pending with the First Trust Bank. These are listed elsewhere. It is all starting to get a bit messy, with them reaching their conclusions not to up hold complaints, based on various documentation, which they then are claiming after SAR , do not exist. so in short, 4 separate claims, 3 with ombudsman, 1 about to go to ombudsman 3 final requests for documentation with data controller, 1 already forwarded to information commissioner, 1 about to be sent to ICO and 1 about 3 days from going to ICO
  19. Hi all. In 2005 we STUPIDLY were sold Protacoat for the front of our house. We had just purchased and moved into my recently deceased dads house. We all took the loss of my dad really hard. My son especially. We had decided that maybe having the house coated in this Protecoat would make it more of our house and less of dads. Big mistake. Any way for those who don.t know me in 2006 we had run into huge financial problems to the point of having to go to court three times last year to save my house. BCT in honestly were completly forgotten about and they have left us alone for
  20. Hi Folks. I am having real problems with my health trust. I was seeing a social worker in the CMHT and having support from them for many years.Because in 2003 my father died and my family that is my mother and sisters abandoned me. No the CHMT have discharged me without warning a few weeks ago and have not given me a real reason as to why. Except to say that they are now called the CRT, Community recovery team and they don't keep people on long term. I won't go into too much detail here except to say this has been an awful 2 weeks. As because the CMHT have discharged me without any s
  21. Hi all, My Wife works for the above NHS trust, and has to park in the general car park for all and sundry. The trust at the moment isn't issuing out staff parking permits, and so, consequently, received a 'Civil Parking Notice' from Car Parking Partnership, asking for a charge off £60, but can be reduced down to £30 if payed within 14 days. I've read on varies threads, that she should either ignore it, or write a letter to the trust explaining the situation of how the charge was occurred. However, as she works there, she doesn't think this will be the only charge she will get.
  22. I have a debt from 1990 being collected by Robinson Way & Co. the Loan amount was £5735.00 which included £735.00 of PPI. APR was 29.84%. I paid almost £7600.00 off and got into difficulties, moved house and prayed for the best. Robinson Way tracked me down, scaling the Rear fence, knocking on doors etc and ringing my workplace. I have been paying Robinson way £32.00 per Month now for as long as I can remember. I have a letter from them saying they have purchased and are wholly repsonsible for the administration of the account / debt in 2006.
  23. Hi guys, I'm just trying to get a bit of advice for a friend of mine who's mother has recently passed away. He has lived with his mother all his life and has been her carer for the past few years. The house they live in was left in trust by his grandmother, his mother and one brother were named as trustees. The house was left for his mother to live in as long as she wanted, after this the will states that if the house is to be sold the monies are to be divided equally between all four of her children, or her children's children if their parents are deceased also. As it sta
  24. My boyfriend has finally pulled his head out of the sand with his debts following a divorce from his ex 2 years ago. When BF and his ex were still married they took out a joint loan to get some new windows from British Credit Trust. Payments were made until after his ex left when he could no longer cope with paying all the debts she left behind. His ex hasn't paid anything towards the mortgage or secured loan (from Welcome Finance) since she left in 2009. He stopped paying the BCT loan in early 2010 as he had nothing left to live on. A few DCA's have popped their heads
  25. Hello....been here a while and found some extremely useful info, so first of all I want to say a massive THANKS!!! I am seeking advice on my current car finance agreement. I have just under 2 months arrears. It was due to be paid off in October, so I would assume that it would now be paid off in december. When i rang them they quoted an outstanding amount of £1400 which is 6 months payments!!! I do have some £25 charges in there, but as I have NEVER had a statement I cant remember how many. Also on the agreement the option fee is added at the start of the
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