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  1. Please help, I'm not sure how to handle this claim and don't want to get it wrong! Name of the Claimant ? Hoist Portfolio Holding 2 Ltd Date of issue – 30th Aug 2016 Date to submit defence = - by 4pm Friday 30/9/2016 What is the claim for – 1.The claim is for the sum of £13718 in the respect of monies owing pursuant to The Consumer Credit Act 1974 (CCA) under account no xxxxxx-xxxxxxxx. The debt was legally assigned from Santander UK PLC to the claimant and notice has been served. 2.The defendant has failed to make contractual payments under the terms of th
  2. Hi all, i have recently started receiving letters through the post from a company called CCS Collect claiming that I owe money to them on behalf of The Department of Work and Pension for £97.50. Thing is, I have no idea what this is for. The letters gives no explanation, they only abruptly demand that i pay it or face legal action. Quick search shows that the department of Work and Pension is government related. I pay all my taxes, National Insurance etc through PAYE and have no other dealings with the HMRC. The only thing i can think of is that i was on J
  3. Would be grateful for advice..... I ran up a c/c debt of around 9,700 from a card that I had originally on a 0% agreement (this was a balance transfer from another card). The plan was to transfer this again when the interest kicked in. Unfortunately when this time came I could not get another card to transfer the balance (this was on affordability as my credit rating was excellent at this time). I was making the minimum payments on this, however b/card kept increasing the interest until I could no longer afford this. I did contact b/card to advise of diff
  4. Hi, This may be an odd question but here goes. I have a CCJ instalment order which I pay £40 monthly, and they also got security on my property for 9k when Restons took me to court for unsecured credit card which I did try and fight but they got security and an instalment order. Now I am at a bit of a crossroads as I dont live in the house, it was rented and I was going to sell and may have a potential buyer. I am now thinking of moving back in the house as the equity may not be enough to repay my other debts and would want to come out debt free, however if I sold but would be about 2k
  5. Hi My partner was offered a place on a degree course as a mature student and made an application to the Student Loan Company. In spite of making the application long in advance, they lost his information asked for him to resend the info. He made a number of calls to enquire about how it was progressing and they made a number of excuses from not being able to find paperwork to a backlog of work slowing applications down. As a result my partner started on his course and was there around five weeks when he received a letter from the SLC saying he was not entitled to anything as he had receiv
  6. Hello, A couple of months ago I came to the realisation that I need to get my finances in order. I would like to take out a mortgage within the next couple of years. I got my reports and found out I had 1 defaulted account for £429. It defaulted Sept 2009. I have 13 accounts: 5 from Wonga over last 12 months which are all settled and no late payments. Mobile phone and bank ones from 2008/9 settled A couple of ones for current insurance and mobile provider all fine 1 DEFAULT £429
  7. I am repaying a debt through 'past due credit solutions' (Original company owed 'British Gas') I have paid every month although a couple of times I have been a day or 2 late in making payment (ie: if payment date has fell on a Sunday so paid Monday) My payment was due on 29/10/12 but was working and completely lost track of date so I rang on 31/10/12 to make my usual £30 payment. I was told i would need to go through an income and expenditure so proceeded to do this. after listing everything i could off the top of my head (along with trying to keep 3 children quiet) I wa
  8. So I'm new to this to please bare with me. I have debts obviously, I lost my job and had to sign on and became in debt. I now have debt companies writing to me but I'm not sure how to go about contacting them because in the past I have been spoken to rather rudely and its just totally put me off wanting to deal with them (bad on my behalf I know). Does anyone know how I can write a letter asking to see the original credit agreement to make sure its signed and all above board? Also what do I do if the agreements aren't signed? Really not sure about what I'm meant to do, so if
  9. Due to a hit and run accident some years ago I have been plagued by ill health. I finally got to a point where I could no longer work. Now Atos in their infinite wisdom have deemed me fit for work no matter what the hospital and my doctors say. I now do not recieve any benefits at all. My wife is retired and on DLA and claims pension credit for me. My debt is with Capital One £2,500 Premier Man I have now agreed to pay of 17.00 a month, aam now going through the rigmaroll of starting another dialogue with Capital. I did have a payment plan in place
  10. Hi First time I have posted on this site so sure if this is the right place to post... but need some advice. I've just found out that my mother has been paying x2 DCA for approx 4 years. The debts are both are about 8-10 years old but she is still paying approx £40 a month to them. One via cheque every month and one by direct debit. After speaking to her, she is unsure if one of the debts belong to her. I was living aboard at the time and she just got scared by the letters and phonecalls she was receiving. I'd like to help her find out exactly what she owes and put a stop to it all
  11. Hello All I have £4500 in PDL debt with many different companies and it is completely my own fault (it is much more than my monthly salary). I have been reading these threads for the past couple of weeks and it has provided me with piece of mind and conviction to stop this cycle of craziness. I have not yet defaulted or missed a payment on any of the PDLs or any other debt I have. The PDL debt is with companies that I have two years of history and successful repayment with, it has not always been revolving credit. When I look at my budget I have £500 spare per month after paying
  12. Hi guys, I hope someone can read my story and help me out a bit with this A couple months ago I sold my computer on eBay to someone with a good, trusty account with great feedback. He paid using PayPal (at which point I transferred the money to my bank account) and he collected the PC later that day. Right after he leaves my house, I get an email from PayPal saying the transaction had been reversed because of suspicious activity. The guy was gone. Later that day I found that my PP account had been limited and I was on negative -£1500 (the price of the computer).
  13. Hi all, Excuse me asking a very similar question to ones posed in other topics (I have trawled through all the relevant ones I could find), but I was wondering if anyone could offer me advice specific to my particular predicament. Basically, I had a small outstanding bill from a contract phone with Carphone Warehouse I had in 2003-2004 which came to a whopping £2 in total from my last payment. I was unaware i owed any money whatsoever as i received no contact telling me otherwise until 2005 when at another address. By this point I was working full time and took the threatening
  14. I have been having some trouble with a past debt from 3 mobile, I have looked through lots of threads to find out what to do, however most of the advice has gone over my head. The original debt was with 3 mobile 5/6 years ago for a cancelled contract and was sorted with Moorcroft (who I believe are 3's in-house comapny?) This was paid off however some time later I was contacted by red/lowell saying I owed a greater amount of money and they wanted paying. I refused to accept that owed anything, asked them to prove it (which they didn't) and proceeded to ignore the e
  15. Hi I really need some help on where I stand.... Around the 18th of march I received a trace letter in my maiden name ( I've been married for 10months)from Lowell/Rockwell, after reading these forums I decided to bin it as, as far as I am aware, the only debt I have I am paying off. yesterday 2nd April i received a letter from rockwell saying i owe their client Arrow Global £199.04 and i have 10 days from the date of the letter 28th March to pay in full or call them to provide a full income/outgoing expenditure list if i want to pay in instalments. As the letter took 4/5 days to get t
  16. Hi Guys, Brand new to this site, but it has already helped me so much. It iscurrently 6am, I've not slept. Too stressed, worried and sick. I've been stuckit payday loan debt for ages and barely staying sane or knowing how to dealwith it. It has been going on for years and getting progressively worse. Feltstuck, helpless, ashamed and constantly anxious. Its got to a point now where I just cant take anymore. I feel a completefailure for even getting involved with these loans, but it seemed to be onething coming up after another. Then having to afford the interest charges....so another
  17. Hi. I have sent a cheque (from a friends cheque book not from myself) as an offer of full and final settlement, the company has sent the cheque to a debt agency which now say they are now Administrating" the debt, but that is a side issue, the issue is that in the letter that I sent to them (with the cheque) when I made the offer, I stated very cleary that they do not have permission to bank the cheque unless it is in acceptance of the full and final offer. They have banked the cheque, and sent me a letter demanding payment of the rest of the debt otherwise further action will be ta
  18. Hi folks...this is my first time posting anything of this kind of nature so I hope I don't say wrong things or cause concern where it's not really warranted. This is my situation, and I am not positively fed up to the back teeth of it. I'd not had any kind of problem such as this with any other energy providers so I am at a loss on how best to deal with this situation hence seeking guidance here. I started renting my current property back in March 12th of last year. I was informed by my first bill that my energy was being provided by Spark Energy. For one month's elect
  19. Hi, had an email from these, I origionally owed them money, couldn't afford to pay it back so went on to pay them back £20 for 2months, went on the sick paid them £5 for 3 months, went to the CCCS and then started paying all my debtors £1 per month from end of November 2010. Now I have had an email demanding to see bank statements, to back up the CCCS income and expenditure form, also they have informed me they are putting on £36 set up fee. From sorting out mine and my partners debts and paying them all the required token fees of £1 per month I keep a written record of the origional amou
  20. A friend of mine approached me today with a concern. We're meant to be booking a holiday away in August. Anyway, years ago he took out a loan and got into money trouble which left him in a awkward situation, he wanted to pay but couldn't. Instead of facing the debt he moved house a few times over a period of times and changed his number. He's worried now that, because obviously the bank had copies of his photo id previous years ago, that his passport maybe flagged up at passport control and he'd get pulled to one side. I said this was unlikely but I don't really know too much about these
  21. Hi Guys, I have been having trouble with littlewoods for quite some time I have sent numerous letter requesting my CCA and keep getting blank ones back, the whole reason I wanted my details was because I had late charges that I wanted to request were refunded although as I did not get the information that I requested I could not do so. To cut a long story short I sent them this letter: Re: my request under the Consumer Credit Act 1974 Thank you for your recent letter sent to me, the contents of which are noted. I appreciate your quick response to my original letter. Howeve
  22. Hey guys, As some of you know I have been having problems with shop direct for some time, I have sent them a CCA which they replied with by telling my how many payments have been made on the account and a blank agreement. I then sent another request and they sent the same thing so I decided to sent another letter which looked like this ACCOUNT IN DISPUTE Dear Sir/Madam Thankyou for your letter of ______, the contents of which have been noted. You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for
  23. Hello all. As this is my first post i'm trying to keep this as legible as possible, bear with me. For the past three months I have had several DCA's on my back for debts (some are legitimate some are not) and it has reached the point where some are threatening action/home visits and such and frankly phoning my parent's home more than half a dozen times a day. Most of these debts are relatively minor (the biggest is £133) so obviously i would prefer not to blot my future credit due to bad circumstances at the moment. My uncle died a few months ago on my 23rd birthday and as
  24. Hi, I am looking for some help, i share a private furnished flat with my brother and we haven't paid the council tax, we are in Glasgow, we thought we were up to date and then haven't paid for sometime, we had received demands for amounts we had thought we paid, this may not be the case, we are waiting on bank statements to confirm what we paid, so we can look at the true balance due. The letter I have received today (charge for payment / summary warrant which includes sheriff officer fee's) is requesting the full balance for 2010/2011 - 2011/2012, this totals to around £4387.15, (
  25. Hello. I took out a wonga loan of £100 in December time for late unexpected expenses which due to circumstances has been rolled over a few times and is now £204. I know this is my fault. But I suppose it happens. I got an e-mail off them this morning notifying me of failed collection, that I must pay full amount today or roll it over. If I don't they will incur a charge for failed collection. I cannot afford to do either. I have 4 bank accounts, so whatever they try to take won't come out but they will still charge and I can imagine my bank will still charge! My money situation
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