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  1. Hi all, in 2008 I took out a secured loan of over £10k from Welcome and within a few years struggled to make the payments. The loan went to Cabot on Welcome's demise and then to Ascent. 2 years ago, instead of consulting this site(!), I started paying Ascent less than £100 a month (don't want to be specific, in case they're on here) and this has brought the amount down. The balance is still over £10k and there is a charge on my property. Having spoken to Ascent, I have asked for a settlement figure and they want and income/expenditure thing (not something I trust, it's just to
  2. Hi All, I have an old secured loan with Welcome for £7000.00. Since Welcome went bust I've not paid anything (perhaps the odd token payment) and have dodged various DCA's. 2 weeks ago the current DCA holding the account wrote to me to advise that they will no longer rely on the security in my property and will take steps to remove the security from the land registry. This seems like a really odd thing to do but I am highly suspicious? Could they be up to something? Anyone else heard of this? Many thanks, Limelight Bournemouth BTW The account has al
  3. Having previously never been in trouble in my 54 years I got caught shoplifting in Dec 2016 and was given a fiscal fine in February 2017 which would stay on my record for 2 years. I cannot explain why though I did this again in ASDA in December 2018 (within the 2 years) stealing an SD card with a value of £11 which I didn’t need nor have used. This was seen on CCTV with the police identified me from my car number plate in the car park after which they asked me to attend the police station last week and charged me with the offence. They said as my fiscal fine was still within th
  4. Hi, I have a BW Legal court case going on at the moment. Today I received another county court claim from BW Legal for a different company. This is fraud too. Name of the Claimant ? PRAC Financial Ltd Date of issue – 29/09/17 What is the claim for – 1.The Claimant's claim is for the sum of £300 being monies due from the Defendant to the Claimant, under a loan agreement regulated by the consumer credit Act 1974 between the Defendant and Instant Cash Loans Limited t/a Payday UK under account reference xxxxxxx and assigned to the Claimant on 09/12/2016 notice of
  5. Have just returned from helping a family friend out this evening, she was stranded at road side with puncture, and no spare wheel, car jack, wheel brace or emergency puncture repair kit in the car.The car was the lady's first and she bought on the basis of colour and because it was cute, in other words the car dealer saw her coming and quickly worked out she was not aware of what to look for when buying a car. So, tonight in pouring rain and in the dark at the side of the road I had to give her and her son a lift and abandon her car at roadside.Before, I call the 2nd hand car dealer tomo
  6. Yesterday in the House of Commons, Sir Greg Knight's Private Members Bill entitled: Parking (Code of Practice) Bill received its 2nd reading. The support that he received was overwhelming (and thoroughly deserved) and the Bill now passes to the Committee stage. Rougue private parking operators have cause for concern. Yesterdays debate is worthy of reading: https://www.theyworkforyou.com/debat...ailiff#g1160.0
  7. Hello, i'm new here having only just discovered this site I have a residential property with a mortgage in only my name which is all upto date with no arrears. there is about £145,000 equity in it. However i have 4 other charges on the property ( so total 5 inc initial lender) these 4 arose out of BTL props that "went wrong", banks sold the properties off way cheap, leaving shortfall debt which they then turned into secured charges. the total of the shortfall debt is approx £390,000, yes i know , its huge, ( as i said the banks gave the props away) so i have £14
  8. We had a second charge against our home of aapx. £24k about 10 years ago. we have been paying £30 per month since then. So the current balance will be around £20k. My family want to help me remove this charge. Can someone please give me any advice on how to best approach this. A sample letter to write to the debtor maybe asking for a discount to settle and release the charge. Thank you. GH
  9. Visited my mum tonight like I do every week, she is 80 and suffering from the onset of dementia. Last week she had mentioned she loved the movie Dirty Dancing and would like to get the music from it so she could play it at home. When I walked in she was all excited saying she had bought the music from a 2nd hand record shop. The first problem was she had bought a 2nd hand copy on cassette and does not have a cassette player. She then tells me she has to return to the shop on Monday to pay the rest of the money for it as she did not have enough on her when she was in the shop. I
  10. Hi All I bought a 2nd hand Nissan X trail on 13th January from a local dealership. On 6th February I reported to the dealer that the car was making a loud noise from under the bonnet and that the engine management light had come on. We agreed to send it to my local Nissan dealership for them to run a diagnostic check. They diagnosed the fault code as an EGR fault and said that the noise could be coming from a worn turbo. They advised replacing the turbo and intercooler. After speaking with the dealership I bought the car from, I returned the car to them to investigate and they
  11. I previously sent a CCA request as I could not locate the original that was taken out in 2001. I received the attached edited copy but is I am not sure if this is correct ? I then sent off an SAR and again received the same amongst details submitted. Am I missing anything does anyone know ? I've checked the forum for BH credit agreement examples but all seem to look different to mine. Just one other question, should BH be sending me annual statements of some sort ? Thank-you for looking.
  12. Hi all. My family have come into a predicament whereby the mortgage on a second property (buy-to-let) that they own has expired. Just before the mortgage expired they had put the first property they own on the market, in hopes of selling it and repaying both mortgages. Once the mortgage expired the mortgage lenders gave up to now an 8 month "grace-period" to sell the property and repay the debt. The house was very close to being sold to a potential buyer that was about to exchange contracts with us but pulled out last second saying it wasn't a great investment for them anym
  13. Hi All, and any advice on this would be gratefully received. We have a mortgage and a second charge on our house. The second charge was to cover a business loan. Now, this situation has been on going since the 2008 crash and we have been unable to repay the second charge and given other circumstances I know I will have to go bankrupt to get out of the situation. However, we are still in control and I would like to take the following course of action is it against the law and what would the implications be if any other than what I already have described. If we say for
  14. Hello I am hoping for advice as after finiding this the other day when i asked how much i owe it has threatend to consume me now and will leave me with no pension. loan started in 2008 shortly after i had a child with a disabling condition and work was not to be i had enormous arrears and they have taken a warrant out 3/4 times to try take the house the fees are as follows collections telephone charges @ 30.00 - 50.00 a time letters @ 35.00 a time collection instruction 250.00 buildings insurance £791.00/362/510/600/170/150/165/80/80/78,,,,this varied so much and for the most
  15. Hi all I have received a claim form from Restons Solicitors on behalf of arrow global for a debt from 2003. Arrow say they purchased it in 2011 and I remember a claim form from them in 2012 with Bryan Carter. I'm pretty sure it's the same alleged debt but it was statute barred in 2012 it still is now. This debt is 14 years old. They've tried before it's no different now. I've asked them for the prove it and also made my defence of statue barred. I just wanted to know, can they keep filing claim forms with Northampton county court? or is this
  16. Hello every one I am looking for some advice please as not sure where I stand. In march / April i was forced to do a two weeks Emploability skills course with working links. I completed it and have a city and guilds level one. Now the other day i went to jobcentre the person there said I have to do yet another two weeks course and you receive a certificate yet again but this one is issued by ncfe. The adviser was even asking me strange questions like when did i go to bed etc. i asked if the course was mandatory as i have done the exact same one two months before and the reply was ev
  17. Hi All, I purchased a 14 plate fiesta from Evans Halshaw in March. Not being an expert I test drove the car (usual drive around the block), enjoyed it and paid for the car. A week later I was looking at some of the functionality but could not find the advertised stop start function. After discussing with the dealer and getting a copy of the advert emailed over it became apparent that this was an advert error. I have emailed probably 10 times in the past 4 weeks and just keep getting "well be in touch as a matter of urgency" from them but with no real discussuon about
  18. World War 2 Royal Warwickshire 2nd Lieutenant's grave identified after almost 77 years READ MORE HERE: https://www.gov.uk/government/news/world-war-2-royal-warwickshire-2nd-lieutenants-grave-identified-after-almost-77-years--2
  19. Hi all, I bought a car from a private seller last week, I found it on gumtree and called the guy advertising it. I asked him about the state of the car and he promised it was in good condition (also have a text from him saying he wouldn't sell a car if there was anything wrong with it). He said he was selling it for his neighbour. I had checked the MOT history online and it had failed on the 16th May, but passed again on the 20th. After speaking a lot with him, as the car was a 2 hour drive away, my parents decided to go and look at it. I couldn't go due to having to go back t
  20. Previous complaint with Skye Loans / Capita rejected by FOS. Skye / FOS advised that disputed amount transferred by BH, in June 2015. Submitted SAR to BH. Last overdue amount from BH different to opening arrears balance stated by Skye. Confirmed by details received as per SAR. Raised complaint with BH who responded that all details provided in which they have. Escalated complaint to FOS in which I have now received their brief and inconclusive findings. They have said that the disputed transferred arrears amount needs to be raised with Skye Loans???? I have until
  21. I have been suspended from work on pay. It has been over two months now and I was invited in to work last week for an investigative (fact finding) interview. I had already prepared a statement of fact which I presented at the interview. I also answered all questions asked of me. I completely deny the allegation set out. I am extremely stressed and anxious by the whole situation and I 100% know I am innocent of the allegations (I know, that's what they all say..). I have said all I need to say - I have given my side of the incident and do not wish to say anything furthe
  22. Hi I've just read a topic on another forum about in essence joint credit cards. I was surprised to read that the second card does not have the same protection offered to it as the primary card. I just wanted some input as to whether this was correct or not, as I currently have a joint card and while I am the secondary user I probably use it the most. This is the link to the conversation: Thanks for the input
  23. Lance Corporal Scott Hetherington of 2nd Battalion The Duke of Lancaster’s Regiment has died READ MORE HERE: https://www.gov.uk/government/news/lance-corporal-scott-hetherington-has-died My heart goes out to his Family on this sad news.
  24. Please can anyone help/advise?? I currently reside with my wife and family in accommodation provided to me by a UK Fire & Rescue Service Fire Authority. My wife currently owns a two bedroom terraced property which she currently rents out with consent due to moving in with me shortly after us both meeting. The UK Fire & Rescue Service Fire Authority have informed me and my family that they intend giving us notice to vacate the property due to their intent to sell off the property for other financial purposes. This has forced me to act quickly and to locate a prop
  25. Original unregulated secured loan sold on / transferred to another company. Previously had a dispute with arrears amount in which never fully explained. Arrears amount transferred to new company totally different amount. Disputed again with new company but eventually responded saying it was previous companies issue and not there's. Account in dispute yet arrears management fees being charged even though they cannot prove it. Can they still do this ? Is there any part of the FCA handbook that states the above regarding loans in arrears ? Thanks for looking.
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