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Found 16 results

  1. Hi, As the subject says I have a interim charging order from 2009 with Lowell. I have been reading online and it says that after 28 days it would automatically be made full. I checked the land registry last month and its still showing as interim is this normal? My current plan is to do a Subject access request on the 25th May (when GDPR is live) and check that my credit agreement is valid and that the correct process was followed. The debt is an old credit card and I'm also sure there are many charges on there that make up the debt. So I aim to reduce or best case have it removed for
  2. Hi We have a mortgage with Kensington and we have statements showing our mortgage to be up to date. Despite this we are now receiving letters saying we have arrears of £229. Initially we were told they had gone over to a new system and it was an error (the first debt letter arrived at the same time as a statement showing payments up to date). After many calls we were told the debt relates to 2009 and that their new system had thrown this up. We were then told they would write off the alleged debt. However, we are still receiving threatening letters.
  3. To quote from Thames Water on their Assessed Household Charge Now I was assessed in late 2008 and placed in band 1 and have been billed band 1 ever since. Only recently did I discover that the single rate also exists so have applied for it and been accepted. Now luckily I have a copy of my original meter assessment form (completed and signed on the day of my assessment) which states on it 1 bed 1 person.......... I can't remember a bill or leaflet that advertised that they had brought in a lower rate I was eligible for or I would have applied for it. So the q
  4. Hi, My friend recently found that his employer from 2009/2010 hadn't registered him with HMRC PAYE but they have deducted the paye and NI from his salary and gave him payslips. Also the company was dissolved somewhere in 2012/2013 and noway he could contact them. He only found out when he inquired hmrc about his employment history for the past 6 years which he needed for his visa application. How can he update hmrc records with this employment when the employer can not be found? What is the best resolution for him? Thanks.
  5. Hiya Ive opened my mail this morning to find a letter from LCS Debt Recovery for Tax Credits Debt of £2655.00 which has just floored me . Ive rang the Tax Credit enquiries line to find out where this has arisen and been informed its from the years 2008/2009. Ive been divorced since 2010 and continued claiming Tax Credits ever since as I was lucky enough to have my children live with me. Apparently the amount claimed ny the recovery team is only half of the amount, Ive informed Tax Credits that I wasnt aware of the overpayment and had never seen the paperwork that they have
  6. Hi I have read some of the threads and hope people might be able to help me. Last weekend I received a County Claim Form for an overdraft I had with Santander. I defaulted on this in April/May 2009. I have spoken to National Debt Line and I am speaking to CAB on Monday to get advice. They have suggested it could be statute barred if I haven't made a payment or communicated with them in writing in that time (despite that I may have spoken to them on the phone or ignored letters/calls) I had other accounts and credit cards etc default at a similar time, so
  7. 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
  8. Hello If anyone could point me in a direction on the below I would be really grateful I had a debt with a Scottish bank (Clydesdale) when I lived in Scotland for 18 Years . It now appears there was 2 joint accounts that was defaulted on after I separated from my wife and moved away to England. The defaults according to Experian was late 2009 and early 2010. There was a CCJ applied for (£2,511. )and on my credit file, for one of the debts in 2010 but was at an address I no longer lived at in England. (I left 2 years earlier) I have now received a Northampton ccj
  9. tax credits, i have just been told i have to pay back my tax credits for the year 2009-2010 from april till june as i was part of a joint claim and then moved to a single claim as i split from my other half, i am sure i was told i didnt need to do the renewal form, later that year we got back together and started the joint claim again, at the end of the year we did the renewal as usual, now my partner when we split rang and did the renewal but i wasnt aware i had to do it as my claim had ended. nobody said i still had to do it when i started the single cl
  10. Hello, I will keep it short. Have read the various threads and found them very useful. Out of the blue last week DWP Wrote to me requesting payment of £3109.00. £1,100 from 2002 and the balance for 2009. 2002, I can vaguely remember what happened in 2002, both JSA matters. 2002, had interview under caution no charges and no Court. I am sure they sold the debt to someone them gave it back then sold it again and since 2002 I have heard from them no more than twice, have no paperwork at all from then to remember anything else. 2009 debt, JSA matter, went to Court got convicted of benefit frau
  11. Hi all again, Thought I would make a new thread for this loan so not to confuse my other PPI thread for my dad. I'll be using this for the covering letter: Dear Sir/Madam, We are writing in relation to payment protection insurance (PPI) policy, associated with the above account, which we do not believe was sold to us correctly or fairly. We believe you have not treated us fairly for the following reasons: · The overall cost, this being associated interest, was not explained, nor mentioned at all · We were not told how to go abou
  12. Hi All I'm hoping I can get some advice as I am trying to tidy up my credit file. I opened a student account with Lloyds in 2009 with an overdraft limit of £300 I believe it was. According to my Experian credit report my account defaulted on 13/07/2009. Lowell are now chasing me for a debt of £1459 which is all made up of charges as I wasn't able to continue spending on the account. Ideally I would like to see if I can get this cancelled and taken off my credit report or maybe get a refund of the charges? Any advice would be much appreciated!! Thank you
  13. Hi Guys, bit of advice please. Having recently received my credit file from Experian, I have noticed a default to to NatWest bank for £636, default date 30/11/2009. I rang them this morning and found that the debt consists of £76 in charged for unauthorized overdraft. I never wanted an overdraft with them as I had financial problems at the time. I was told that I used my card several times without the money being available. Are they wrong to have allowed the purchases? Apparently I had agreed to pay £20 per month in a telephone conversation with them in Sept. 2009. I can appeal, but ar
  14. Hello, This is a great site and unfortunately I need more advice. I had a spell of major problems/mortgage arrears, and unfortunately the Halifax were awarded a CCJ against me in September 2009 for £8362 in relation to a personal loan. I agreed to pay £5 per month, which I did for about four months, before I forgot about it and concentrated on mortgage arrears, (Halifax also). After missing two payments I phoned the Halifax to make the missed payments and they would not accept them as it had been transferred to another department. I have not heard from them since
  15. Old loan to clear off cc from years ago. Just about to pay last £30 they grabbed £450 out of my account which included £420 late payment charges from 2003 - 2009. Talking to indian call centre is a waste of time, told them i was disputing the charges and i would make the last payment of £30. sent me a paying in slip(would not give them my new account details). On the same day got a letter from dca asking me to ring them.(as if). any advice on getting these late charges sorted.
  16. Just wondering if anyone has any information really. In February 2009 I split from my then Husband leaving him with the house. As he couldn't afford the mortgage we agreed to sell it. In March 2009 it was put up for sale at £98,000 (still have the paperwork). I paid the mortgage in February and March but then refused to pay anymore as I wasn't living there and couldn't afford to pay it anyway (had rent to pay). Anyway, the ex-husband decided to give the keys back to RBoS in May 2009. They then sold the house for approx. £55,000. Way below market value. The thing that is confusing me
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