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  1. Mrs Echodale is being harranged by Cabot over HSBC credit card debt . HSBC agreed that if she made sixty payments of £xx then she could save £1800 and would not need to make any more payments after July 2018. She has honoured the agreement and made last payment as agreed. Cabot apparently bought the debt a few years ago and are chasing the £1800, they say they have contacted HSBC and have been advised that no such arrangement exists. We have the original Metropolitan/HSBC letter from 2013 and even though the onus is upon Cabot to 'prove it' we have sent them a copy.
  2. Hi all Got myself in a mountain of unsecured debt so much as to a point now i cant afford the repayments. I'm resigned to a debt management plan as all the debts have been accrued over the past few years. Loans and Credit Cards are all currently up to date with no missed payments but that is going to have to give shortly as I'm close to breaking point. Been reading a bit on here and think im going to attempt either a self managed dmp or perhaps a charity one. Question is though how to start it? I do have a reasonable amount of disposable income so wouldnt ju
  3. Please help, I am at my wit's end. I contact Jacobs on behalf of my mother, who is disabled and mentally ill. I also cannot say all of the details because she isn't entirely open with me, somehow she has incurred Council Tax debts, we have been making payments to the enforcement company Jacobs since April 2017. These payments started after my mother had ignored the debt for so long, that bailiffs visited our address. I had to pay them a sum of money (somewhere in the region of £300, which I had to go into my overdraft for and am still facing the repercussions for to this day) to
  4. Good afternoon, I entered an arrangement with my Capital One card with reduced payments for a temporary time, due to redudnacy. I have made every payment, as agreed and on time. I checked my credit file and noticed they had uploaded some late payment makrers - 1 on one month, then 2 then 1 and 0 for the latest payment. I have made a complaint about this, and have bene told that this is their process, despite them admitting the adviser on the phone did not advise me they would show as late payments. Is this the correct process for them to follow? I don't t
  5. my partner is looking to apply for a mortgage soon I've been helping him look into his credit files etc. I noticed in 2011 he has some AR markers from Vodaphone. He can't, to the best of his knowledge, remember any such arrangement. Account opened: Feb 2009 Account closed: Jan 2015 Account status: Settled/Closed Following dates marked with 'AR': 2011 - Jul, Sept, Oct, Nov, Dec 2012 - Jan Dates thereafter: Feb 2012 to closing of account in Jan 2015 all marked as 'OK'. We've wasted two afternoons trying to get clarification from these jokers. Firstly
  6. Hi all Just wanted to make people aware of an underhanded way the EA tries to make you default. History I finally took the general advice from BA and Dodgeball, and come to an arrangement with the EA company dealing with the 3 historic LO's. Which in the main is advice After alot of barriers put in my way, I was passed to the welfare department. I sent in an I & E with at the time a surplus income of £12.00 per week. Rossendales in there wisdom wanted £16.00 per week. Again speaking to the welfare and in turn them speaking to the council , it was agreed
  7. I received a letter from Jacobs today regarding our current arrangement for council tax debt. I'm extremely frustrated, I have never missed a payment with them and even now our current arrangement is a bit of a squeeze, but I pay non the less. Letter dated Aug 2, 2017. I really cannot afford to pay anymore than our current arrangement, I'm obviously going to call them but, I'm not sure what to say/do I can't deal with Bailiffs at my house again, I was a mess last time.
  8. I had a Citi card which has been Opus for some time now. I have never had an Opus card but have just been paying of the old Citi balance. Due to an ongoing divorce I wrote to Opus asking for a reduction in my agreed monthly payment from £50 to £25 and they replied agreeing to this request. Since then they have twice threatened to default the account saying that I am not making the minimum monthly payment. However when I spoke to them yesterday they agreed that they have frozen interest and charges but were not able to tell me why I was not making the required p
  9. Morning all, long time lurker first time poster... I have been repaying my water company debts through Marston, until last week was regularly repaying £85 on the 21st of each month. Then I switched jobs to work for the NHS as a bank support worker. The pay is much better than my previous employment, but the NHS isn't run like a private company, I recieved my first paycheque this morning, two weeks late because my line manager had been too busy to complete my registration. I wrote to Marston to tell them this and said I would be able to pay today (the 1st)
  10. Hi, Looking for some advice. Back in late 2010 my finances hit the skids somewhat and I've been trying to recover ever since. I had large debts mostly on credit cards and negotiated reduced repayments on all of them. 4 of the credit card companies defaulted - these defaults will drop off my credit file over the next year or so once six years has passed. However Barclaycard never defaulted either of the two accounts I have with them. Initially I made token payments of £1 for 3 months on each account and then agreed a reduced monthly payment after this. M
  11. I'm in a situation with Newlyns. Because of an ON/OFF relationship I've not been getting a lot of post, and a parking ticket seems to have slipped through the net and now its at the warrant of execution stage. I still didn't know until i was parked up at the side of the street last week and a spy knocked on my window and introduced himself to me as agent 007 (not really) from newlyns and that ANPR had picked up my details and i owed £400. He gave me his mobile number to "deal with it" and sent me a reference number. I called the office and set up a payment arrange
  12. Hello CAG I haven't posted on here for a while, hoping you can help. I’m writing to complain about the way Barclays have reported the payment history on my Mortgage. I recently applied for a credit card and got refused; I signed up to ‘Credit Expert’ and spoke with one of their representatives who said the reason I was declined was probably because I have not been keeping up with my mortgage. Although I have had some difficulty in the past when I lost my job in 2009, I have not missed a mortgage payment in over six years so I thought this was odd. In 2009 I lost my job and
  13. My husband is soon to become self employed, he will still be employed through a company though, he is currently paying 264 pcm to the ex via a private based arrangement, obviously we dont know if at first, we can afford to keep paying this amount as its likely to be tough to build up business. Do we still have to pay this set amount? Although its a private arrangement the ex still forced him through the CSA to do the calculation only. and we pay her direct to her bank. Please dont advise talking to the ex, they are not on speaking terms and she wants to screw him for every penny she can
  14. Hi, I am currently in the process of beginning to tackle my debts and clearing up my credit file, with the end goal of getting a mortgage, admittedly in a good few years! I have a number of defaults from payday loans which are due to fall of my credit file in 2-3 years. However, I have been considering entering a DMP or TDP with a debt charity. However I am unsure if this would just mean the debts would be visible on my credit file for longer. If I enter a arrangement to pay with any of the creditors that have registered a default, will that just start the 6 year
  15. The bailiff regulations (that came into force on 6th April 2014) provide a simplified fee scale that is the same for arrears of council tax, non domestic rates, local authority issued penalty charge notices and Magistrate court fines. How much are the bailiff fees? Compliance Fee: £75 This fee is added to the debt as soon as the account is passed to the enforcement company by either the local authority or the magistrate court and will appear on the Notice of Enforcement. The ‘amount oustanding’ will therefore include the Compliance fee of £75. Enforcement Fee: £235 (plus 7
  16. Hey all. I'm so sorry if this is the wrong place to ask but I had no idea where to put it so please feel free to move it to the correct place. I am currently working in a temporary, full time position with the possibility of going permanent after 3 months. While I'm temp, I am "under" Manpower, if/when I go perm I then get took over by the company I am working for. Manpower use the TSA Scheme but I'm having a few problems and I hope someone can help me. I have been paid 4 times (I worked 1 week in hand and get paid weekly while temp). My first wage and TSA was correct: T
  17. Hi there everyone, I'm on an arrangement to pay with Aqua Credit Card. I have been reading lots of things last night and its now come to my attention how negative an arrangement to pay actually is. I have had the arrangement in place since September 2013 and still have a balance of £700 paying £12.52 per month on the arrangement. Am i right in thinking that it might best i intentionally default the account so it registers as a default instead of having the arrangement to pay marker on their every month, As once the account is cleared the Arrangement to pay marks will stay for a
  18. Morning All, Hope you can help. Rossendales due today! Debt council tax relates to 2014/15, I was signed off by G.P for stress and anxiety after suffering post traumatic stress following a dreadful experience. I have all doctors sickness notes. The debt is due and I accept full responsibility for not acting correctly, I was not dealing with anything to be honest. Was on ESA now on JSA. O.k Sums outstanding to council £232.00, Rossendales added £75.00 compliance stage fee total due £307.00. I phoned Rossendales ofice explained my position, office refused to speak to me as now wit
  19. Hi everyone I have a dilema I could use some advice with. I challenged a Default with QuickQuid for a previous PDL which was Defaulted in 2012. My argument was that they had failed to act responsibly by preventing me from setting up a payment plan until after the account was sold and a Default had been filed. Had they agreed upon a repayment plan the account would have been settled within a couple of months without any Default being registered or the account being sold on. Ultimately my complaint was escalated to the FOS who, in agreement with QuickQuid, have agre
  20. Hi I have pasted a letter that I have written. Basicly I am not sure if this is the norm but my Mortgage company are charging me £50 for each month that i am in arrears. I have currently got an agreement set up with them via a court repo hearing and it turns out that I will apying the arrears for 5 years and the whole time they are charging £50. So I have decided to complain to the FSA for unfair contract terms and if they have a go at Kensington then I can apply to Kensington to stop charging. Well thats the plan anyway. Can somebody look at my letter please and see what you think
  21. Am 60 and on ESA. I sold my house for £51,000.I have moved in with my daughter and partner and paid them £45,000 to house me for the rest of my days.Because of my change of circumstances I am filling in ESA3 and a form for council tax help. We are seeing a solicitor to draw up our arrangement legally. But I don`t know what form this should take.I am in danger of being accused of gifting her the money. Do I go for a Declaration of Trust, a lease or tenancy agreement or what ? I have spoken to 2 solicitors on the phone,one who just told me to go elsewhere, and a Welfare rights solicitor who tol
  22. Ok so a few weeks back I came home to find my car clamped...... They wouldn't say who they were, just sat in their van being arrogant. So I came in the house and my OH says they are bailiffs..... Me panics thinking what the heck for? So I ring the council tax and they say yes I owe £324.... From 2007?!?! So go outside and they then tell me who they are however the debt is not mine, and that if I get some proof the car is mine they'll remove clamp.... So get v5 and they say this is not proof of ownership. Anyways an hour later they tell me it's my partners debt for a previous
  23. Hi all, I have had an arrangement in place for five months now to pay off a Santander credit card, I received a letter last week from their collections department advising me that as I am experiencing financial difficulties and therefore wouldn't be making full payments on my account, I had breached my agreement and therefore a default is to be registered. I wrote to Santander to challenge this, to which their complaints department replied (with one or two slight grammatical errors, so presumably handwritten) saying that I'd received nothing more than a standard letter which is gener
  24. Hi all I've recently had a reply from WFSL to a charges reclaim and they've come back with the attached "Scheme of Arrangement". Having a look around on this site, I've noticed that some have been refunded unfair charges before the start date of the scheme, which is 2nd March 2011, and others haven't. On my letter it states: "During my investigation I have taken into account the date on which any relevant fees were charged to (and subsequently paid off) your accounts. This is important because the date on which each transaction occurred may affect whether we ar
  25. Hi all. Around 2 weeks ago I recieved a letter from Jacobs bailiffs due to non payment of council tax 2 and my previous property. I called them promptly and we agreed, over the phone a payment plan of £20 a week. This was to be paid by standing order and I would await confirmation of the payments and the necessary info to set up the payments. I didn't receive any such info and tried to call a couple of times to no avail. I have now recieved the following notice. BROKEN ARRANGEMENT AMOUNT DUE £694. you have not maintained your arrangement to pay 20 every 7 days. Your arrangement
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