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About Me


  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. Hi, I've received a Notice of Assignment letter from Hoist Finance UK Holdings 1 Limited. It relates to an MBNA credit card debt that I paid off in full October 2017. There were no late payments for the duration of time I had the debt, and the balance they have on the letter looks to be from many years ago. I've seen from other posts here that you can send the holding company a request for more information and what data they hold on you, but since I don't owe any money and they currently have extremely out-of-date information about me (only address is correct), I don't really
  3. Hi, any help would be greatly appreciated. I have just received a Notice of Assignment from Hoist Finance U Holdings 2 Limited. It is regarding Capital One (original creditor). The balance is £830.74. It says they have been appointed to manage all matters related to the account etc. Where do I start please? SAR to Capital One? Regards D
  4. Hello All, I have received a letter telling me an old HSBC Credit Card was sold to Cabot Financial today and that they would be in touch shortly. The account is not statue barred. Whilst I am happy to enter into a repayment plan, I want to make sure that they have all their ducks lined up and have all the correct paperwork. I originally had a dispute with HSBC after they blocked the card on Christmas Eve and that very nearly left me stranded Birmingham Airport over the Christmas Period. At the time there were plenty of funds available on the card and it was the only
  5. I have a question about a secured loan. Two loans secured against a property - the lender assigned one of the loans without sending the borrower a Notice of Assignment. Subsequently the lender served notice for repossession as if it was one loan, not two. The borrower lawyer picked up on the lack of NOA and filed that as part of the Defence. The borrower/ lender came to a separate financial agreement to delay the whole process - but only if the Defence argument about lack of NOA was struck out of the Tomlin. I have experience of fighting smaller credit card companies on the
  6. Hello again, I have just received two letters out of the blue from Lowell informing me that two debts from BT Mobile which had been sold to them, both dates of the sale being 22/02/2018 and the letters dated 13th March. I am worried regarding a paragraph of both letters which states 'We are aware that this account forms part of your insolvency(?). This letter is not a request for payment. Please pass this letter and attached Notice to your Insolvency Practioner/Official Receiver. Lowell Financial will also contact your Insolvency Practioner/Official Receiver to inform them of the cha
  7. I thought I'd better start a new thread in regards to this as it may help others find info on the same thing. I asked Cabot finance for a copy CCA and a true copy of the Deed of Assigment. They got back to me saying that they have requested the CCA and it could take up to 40 days which I know is not allowed so sent them another letter in regards to this but my question is that in response to my request for a true copy of the Deed of Assignment they said that "This document is confidential between the original lender and us and as such, is not available for disclosure. However, the N
  8. Have been ignoring my 6 Payday loans and 4 other debts for several months now, the other companies don't appear to have put disproportionate amount of interest on to the debt but my Toothfairy loan has gone from the original amount of £300 up to £1438 since I took the loan out in late July and I get this email from them every 5 days: We are writing to give you formal notice that ToothFairy Finance Ltd - ToothFairy Pay Day Loan has legally assigned the rights of the above debt to Marshall Hoares Bailiffs. This means that Marshall Hoares Bailiffs Limited now legally own this debt.
  9. A general query relating to litigation by a company who claims to have been assigned a debt. I am aware that I am entitled to view a copy (redacted if necessary) of the deed of assignment - Van Lynn vs Pelias, however am I correct in assuming that the Claimant must produce a copy in court in order to substantiate their claim? and not just provide a copy of an alleged Notice of Assignment. If so, is there any case law or legislation I can refer to which states that they must produce the deed of assignment in court? Thank you for your assistance. GD.
  10. Hi All, Apologies if this sounds like a daft question but should a NOA contain certain wording to be valid? The sentence I am interested in is as follows: 'has assigned all of its respective rights, title and interest of the above referenced account including the outstanding balance to....' Thanks.
  11. Hi All, I have just received a Claim form from Lowell Portfolio I Ltd. via Northampton CC, it was issued on 01 Aug 14 but I only received it at the end of last week. After having a discussion with a friend who is quite clued up on these things he mentioned requesting the Deed of Assignment as apparently the debt is not allowed to be sold without me being informed and if they don't have this information then nothing can be done regarding the debt, he also went into explaining about the OPPT and it being dissolved therefore we are all debt free anyway!!
  12. HI Apparently i have 2 outstanding pay day loans , I think with money in advance and access fast money. After i left step change and started dealing with the debts on my own one of these debts went to OPOS who i wouldn't communicate with as they were really nasty. Now its gone to Sll Capital and they say so has another. They're not for a lot but still more than i originally borrowed plus one month interest. I know i am being cash cowed as i paid monthly to Step Change for a while. About £65 pound each. The amounts i borrowed are around £150. the
  13. Hi I am pretty new to this and wanted to ask some advice about a HP loan I took out to purchase a car which was subsequently repossessed. The company was Fiat Auto Financial Services Ltd at the time but it is now being handled by FGA Capital UK Ltd. I believe Fiat Auto entered into a joint venture a few years ago and became FGA Capital UK Ltd. I have never had any of this explained to me by them and wanted to ask if anyone can advise if by Fiat Auto becoming FGA Capital as part of a JV would this mean they would have had to formally ass
  14. Hello This is my 1st post to the forum and need some advice. Cabot Financial have taken over 2 of my credit card accounts from Co-Op. Both accounts were defaulted but I have been in a payment agreement with the Co-Op for over 2 years. I have requested full details of credit agreements and a copy of the 'Deed of Assignment' but Cabot is refusing to provide this saying and I quote... " These documents are confidential between the original lender and us and as such, is not available for disclosure" Could someone please advise on my next steps for me to obtain the
  15. Hi All, I took out three student loads in the early to mid nineties as an undergrad .I deferred repayments as I became a postgrad. As I moved around a lot at Uni I lost touch with the deferment process and The SLC informed me that as I'd not kept up with my deferment notifications then the loans were in default and had to be repaid. I heard nothing else for a while, then DCA letters started to arrive at my Parents (home address). I received demands from a DCA and after they sent me the correct CCA form I made a payment schedule agreement. I made a few nom
  16. hi i have sent a letter to lowell asking for written assignment of debt, i have received a letter back from lowell the reply goes something like this . When lowell portfolio 1 ltd purchases a debt,we issue a letter of assignment to a customer witch fulfills our legal obligations under the law of property act 1925 . they then enclose a copy of there original letter they sent to me and say they would not normally issue a deed of Assignment unless the matter progressed to court. the enclosed copy they sent me was the original letter they sent me saying they purchased the bebt bu
  17. Hello, I asked MKDP for a deed of assignment, the response back from them was to send a notice of assignment which has an incorrect outstanding balance on it. To be honest I suspect they copy/pasted and forgot to change the outstanding amount. Any suggestions where I go from here?
  18. I would be most grateful of some clarification from you great folks on CAG please. Background Had an original CC with MSDW long time back. This then followed the Goldfish to Barclaycard route. CCA made to Barclaycard who failed to satisfy my request. Upon the 6th alleged missed payment they assigned it to a DCA (will not name at this stage). DCA made usual threats. More interestingly, the DCA applied a Default to my credit reference file only 6 days after the date of assignment. Questions From my understanding a default notice must be provided prior
  19. Hi, apologies in advance if a there has been a post similar to this however i have had a good look and can't see any. My issue is this: I'm currently in a fixed term AST however the letting agents have said i can assign my half of the contract over to a new tenant, there is absolutely no problem with this however my flatmate has now said she wants to vacate the property also. After checking if we terminate the contract we are liable to pay 10% of each months rent for the remainder of the contract. However If i leave and get the contract assigned to a new tenant and then a month late
  20. Hi, Any one here please let me know if I can reclaim all my monthly payments back which I made to DCA which has confirmed they do not have CCA and no Notice of Assignment? I made payments to them as far as March 2003. I am at a stage with them where they are asking me a particular question why did I pay them for all these years? I think they want to establish that since I paid them for all these years hence their action for taking money was legitimate. I am thinking of taking the stance where I would write back to them that it was total mistake on my behal
  21. Basically I take out a car rental agreement where at the end of the term you can buy the car during this period you hire it. They have breached contract loads of times so I start to execute a claim. The next thing I know, They have changed address, Limited company and given me new bank details (The old ones no longer work) and say I dont have a leg to stand on. I returned the car with the hump. Does anyone know if by telling me they moved and changed the name of their company they assigned the contract. If I can prove that there has been an a
  22. HI ALL, Recently received a letter from MMF titled Formal Notice of Assignment. This is in respect of a Wageday Advance loan. However it states in the letter that Mackenzie Hall Debt Purchase has assigned the legal and beneficial rights, title and interest to MMF. Im not sure how this can be correct I have never received notification from the original creditor that they sold to Mackenzie Hall, neither have i ever heard from Mackenzie Hall. On that Basis how can MMF have purchased it. Is this a correct notice of assignment or just MMF trying it on?
  23. Hi all I had a pdl which has been sold to a dca who are now becoming rather tiresome in their chasing of this debt. I have not been defaulted yet and there has been no notice of assignment, How shall i play this?
  24. Hello I have a debt with Lloyds TSB which has a balance of circa £23k. Believe it or not, this debt started its life as a £26k loan nearly 10yrs ago and LLoyds refused to freeze interest when I began a DMP with Payplan. Sorry, that's by the bye! I received a ketter today from Aktiv Kapital introducing themselves and with it was a copy of the "NOA" from Lloyds passing on the debt. It looksfor all the world like they've just cut and pasted text onto a rubbish photocopy of an old letterhead from Lloyds. As I haven't received any correspondence from Lloyds themselves am
  25. Hello all, Received letter from Lowell, claiming an alleged debt has been sold to them from Lloyds, with an outstanding balance of several hundred pounds, this has been going the rounds for years, since the onset of the Bank Charges Claims, for which we managed a settlement years ago. I am almost certain it will be Stat Barred now. (Busy seeking docs.) Should I send: A) Stat Barred Letter or. 2) Request Letter of Notification of Assignment from Original Creditor under s136 of the Law of Property Act 1926. All information /advice will as usual be gratefully receiv
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