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About Me


  1. Hello all and hope this is in the right area for posting this...if not I can remove and repost if directed, thanks. Ok here we go...the sob story....I have had my head in the sand about all my debts for years, mostly from losing my job in 2009, family loss before and after and some health issues since but none of that really matters as the ball keeps rolling...so to now! Where having had Land Registry contact me (a second time) with regards to both a RESTRICTION & an AGREED NOTICE (for 2 separate debts), it is clear that this cannot continue so I have to do something abou
  2. Just a quick question. I'm pretty sure my MBNA account has only had £50 charges (and that was recently - 2 late payment charges). Do MBNA pay up fairly quickly or should I not waste my time pursuing £50? If so , do I write to Chester with a cheque for £10 for my statements? Jas
  3. Hi everyone . I want to thank everyone in advance and also apologise in advance - as I realise my questions are probably very common here, but I have very little time left and I am overwhelmed with so much info on internet , while trying to do my duties at work and as a father. Summary : 1.My debts are in the region of 4,000 for a loan, credit card, overdraft and phone account. I started missing payments in 2010 due to family separation and depression, stopped making payments and stopped contact with lenders in 2011. Meantime paid some sums, made some agree
  4. Hello and thank you for reading my post. Any help, advice and suggestions will be very much appreciated. I am sorry in advance for the long and complicated post. I have 4 debts all defaulted in 2010 for £20+K. Most of the information I have provided below is from Noddle as I don’t have much paper documentation. The debts are a personal unsecured loan and 4 credit cards all used on an unsuccessful business plus I have got very ill and went for urgent treatment abroad (2010) which lead to defaulting the accounts. 1. Barclays – unsecured loan (applied online) original
  5. Dear forum members, I'm looking for some advice on the next steps I need to take with two companies, Robinson Way and Capquest. I have three debts, two with Robinson Way and one with Capquest. The two with Robinson Way are Welcome Finance and Barclaycard and the one with Capquest is Royal Bank of Scotland. All three of the debts have been ongoing for approximately six years and some payments have been made to all three. They have been passed around several DCA's during their existence. And, regrettably, I have often ignored them. However, after the rece
  6. Saw this story on the news this morning - http://www.credittoday.co.uk/article/17947/online-news/dcas-in-crackdown-on-foreign-driver-parking-fines But the news piece didn't really give much of an explanation and nor does the above story. So currently, councils cant access foreign car data (unlike our UK DVLA system), but they are going to employ DCAs (who we all know have zero powers even in the UK) to track down these foreign car owners (how ??), and ask them nicely to pay ? I cant see the success rate being very how, surely it will only end up costing councils ?
  7. Asked if I could pay an old vets bill in three stages only to be emailed by DCA who had added another £70 but offered to take off £30 for an unposted letter. They addes £40 for the first letter. I did not think they could do this. Am I wrong?
  8. Hi guys, looking for some advice. I signed up with Spectrum Financial Protection after getting into about £25k worth of debt 12 years ago. They charged me about a grand to set up with them and have taken a percentage of the repayments every month for the duration (I know, I know) and despite the long time frame my debt has barely gone down, due to the token payments of between £1 and £10 a month to each account. Spectrum are now Money Village, and after years of them not doing a lot (Spectrum originally told me I'd be debt free after 5 years) I gave up speaking to th
  9. From my favourite Consumer site in the whole world... Look carefully.... [ATTACH=CONFIG]58202[/ATTACH]
  10. For 2yrs and 5months have been getting calls from SWEL and 3 DCAs trying to recover circa £1200. for some sort of service to a property in Portsmouth. Tracing by SWEL, EOS Solutions UK Plc, UK Search Ltd, and Ruthbridge Ltd. My wife was unlucky to marry into the same Mrs Firstname Lastname as a Miss Firstname Lastname (I believe a widow) and from what I can deduce same DoB. SWEL was notified by email and replied that they would remove our address from the account. There should therefore have been no need to respond when DCAs sent bills, as SWEL will have provided them with c
  11. Had a good job, career, home, money, etc. Then had a prolonged period of inactivity, debts piled up, not opening letters, spiral of anxiety and stress. blah, blah. Now, for past year or so, been earning, and getting back on feet. Looking to start paying back, and deal with all my debts. Have done as much due diligence as I can, and need some pointers. I have a number of creditors, with debts totalling around 45K. Have been paying token payments of £1 to most, some more. Looking to get StepChange advice and help. But also need some idea of full and final offers to re
  12. The press are reporting a crackdown on nuisance calls with ever larger fines for the transgressors, such as PPI, onlime marketing etc. http://www.dailymail.co.uk/news/article-2967040/Will-FINALLY-end-nightmare-nuisance-calls-New-law-make-easier-hit-firms-500-000-fines.html https://www.politicshome.com/home-affairs/articles/story/crackdown-nuisance-calls http://www.thisismoney.co.uk/money/news/article-2865158/Britain-s-one-billion-nuisance-calls-face-crackdown-task-force-warns.html As DCAs engage in constant calls and texts even after being told in writing only, by letter
  13. Hi everyone. Please sign this petition, #share it, #retweet it everywhere. I appreciate for a petition to be valid, you need to give your personal details to be counted, but that should remain restricted viewing. This is a properly set up Govt. E-Petition to try to get them to look at the Law Of Property Act, where Debt purchasing relies upon this loophole to take your data, your unsecured debts, pay a small price for the info and chase you for the full amount, it is pure greed and the very fact it CAN stand up in a courtroom, assuming they have enough data (re. your debt/paperwork etc) and th
  14. Having lurked here for some time and I am currently discussing (by letter) an alleged debt with Arrow & Fredrickson I am interested in precisely what they must supply to comply with a CCA request. Do they have to supply statements going back to the beginning of the credit agreement? If not how far back - is the last issued statement sufficient. Must there be some documentary evidence of the last payment made? Do they have to prove who made that payment. ( I have read that some unscrupulous DCAs make payments to keep alive debts that would otherwise be Statute Barr
  15. Hi guys, I have been attempting to deal with this but getting nowhere fast! I'm sure that these DCAs drag their feet deliberately, hoping people will pay up to clean their records up. There are two issues here but I figured they're so similar that I may as well keep them in one thread. Since I got my credit files for the first time ever in May, there has been a default registered in my name by Cabot Financial at a previous address. The account was opened after I left the address and it's for around £250 for a JD Williams group debt. I've sent address history proof back in May and ha
  16. :oops:Hi, I've lived 6 months in Stevenage and had to leave the flat without receiving my deposit of £550 from my Estate Agents and having to pay a debt of £690 to the energy company. I paid £140 to the energy company and told the estate agents to pay the £550 with the deposit, so they will be sure that everything has been paid and I can be sure that they give my money (the flat was in perfect state after leaving). After almost 3 months of phone calls and emails to both the agents (who acted very vaguely and ignored me) and the energy company, which acted very kindly telling me that I wil
  17. If you move home, and don't give DCAs your address, but carry on paying £10 a month on accounts where interest is frozen, I wonder whether that parks the issue and eventually pays down the debt? If you don't need or apply for credit, will your credit file still show your new address if you give your new address to the bank where you hold your current account?
  18. After joining CAG I realise DCAs have cash cowed me for years. I'm about to CCA them. Can I claim back payments I've made if they can't produce an original CCA?
  19. Hello, all, I'm asking for a good friend who doesn't have internet access. Due to a series of misfortunes (she is a decent person who works hard) my friend got into debt. Her young child is disabled and they have recently been awarded DLA. As the DLA has been awarded for the child, I thought that dcas have no right to make a claim (almost wrote 'clam' - Freudian thinking? ) on the DLA. That she can offer token payments as other than the DLA she is skint. I've also told her that if any of them come knocking not to answer the door, as only the postman and someone asking for d
  20. Shocking stories of bullying following their incompetence in correct billing. http://www.dailymail.co.uk/money/news/article-2232395/EDF-bullies-threatened-debt-collectors.html
  21. The voluntary lending code is “too open” to interpretation to be followed closely, according to senior executives from several debt collection agencies (DCAs). At Sopra Group’s Debt Collection Summit 2013, compliance with the lending code was identified as one of the main challenges facing DCAs. The discussion at the roundtable event highlighted that the voluntary code, which sets standards for financial institutions when lending to personal and small business customers, often appears “vague and subjective”.The group of 10 chief operating officers, chief executives, directors and heads of comp
  22. Hello, I would appreciate some advice on this one.. I've had two letters now from different DCAs (Rockwell and now Transcom Worldwide UK) who are both supposedly working for Arrow Global Limited.. Going way back to when I received the first letter from Rockwell, I telephoned them and actually managed to gleen out of them more information about this debt than they got from me.. They have a completely different address (somewhere I've never lived although they have my current address which is fine by me) and a different date of birth - by the way, I refused to give them anything other
  23. I have 3 outstanding debts on which I can only pay about £5 per month each - due to being made redundant and no success finding another job yet. Debts are with Barclaycard, Nationwide and MBNA. I agreed with these people a minimum payment. But then I started getting letters from DCAs - I had to stop payments for several months due to circumstances. I have received letters from 3 more different DCAs. Should I write to them stating I can only afford £5 a month until my financial circumstances change? Or should I ignore them? I've read on different forums that I have no contrac
  24. Hi I had a recoreded Letter deleivered today..I wasnt in to sign for it!! It has no name .just Ower/occupier..Im thinking this could be a SD Have DCA sent letters with owner/occupier before to catch ppl out ??
  25. Hi I'm new to this site and was wondering if anyone has experience of either Merrils Ede solicitors, Cardiff or Blair, Oliver and Scott Ltd PO box 66 Rosyth. They are both trying to recover a debt for shortfall in mortgage repayment. Our property was re-possessed two years ago by HBOS and out of the blue we have been traced to our current address by both these DCAs. Interestingly, Merril Ede are requesting a figure around 75% more than Blair, Oliver and Scott. Both have presented demands without any breakdown or statement of affairs. Both have taken a fairly robust and threa
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