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Found 8 results

  1. Hi Guys, Just checking something out and was looking for clarification. On my Equifax report, it states that an overdraft I had with HBOS. First late date payment was July 2011, then subsequent months late and then shows as defaulted in January 2012. I'm assuming as it shows, this means no payment since June 2011. The debt appears to have then been sold to Arrow Global as they have listed the default on Equifax in January 2012. I have never once communicated with Arrow Global on this. I obviously haven't made any payments to HBOS regarding this. Today I receiv
  2. Hello Im not even sure where to start. But a year ago me and my boyfriend tried to rent a house and he was declined because they said when they run the credit checks he had a CCJ. This was done with Experian. He was not aware. He knew he had some arrears with housing benefit but he thought all was sorted. For the last couple of months I start nagging him to try and get his stuff sorted out. We contacted DMC who sent us to another DMC and said our way out would be an IVA. When we got the IVA draft I saw several companies that my boyfriend owed and be
  3. Early last year my husband received a county court summons for £11,500 for a credit card debt sold on to a DCA. He replied and defended the action on the basis of the limited information on the summons and that he was awaiting a reply to the CCA letter sent to them on the day the summons was received. He never received a copy of the CCA, just a letter from them saying the debt was no longer enforceable and they could not proceed any further through the courts, but would he please call them to discuss a repayment plan. They also promised to forward the copy of the CCA.
  4. I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?
  5. Hi, I posted a thread this afternoon about MWA. I got some good advice and asked a few more questions, now it's vanished. Am I looking in the wrong place? Thanks. Really need some advice before inevitable phone call from Seetec tomorrow morning...
  6. I have just logged into my Smile account to make my regular payment on my credit card and the account information states unavailable and no balance amount showing , I have not had any notification of any issues with my account what should i do?
  7. Hi guys I have an outstanding debt with Tower Capital in Bournemouth which is one payment away from being closed (£35) But ive tried to contact them and they seem to have disappeared from the face of the earth!! :O Ive got their number but it just rings out.... I want to pay and settle.... Anyone know of another number? I know they have recently rebranded but im not sure what as Filee
  8. Hi guys, So I made a personal loan to a friend for £2,500 on March 8, 2012. There was a contract for repayment in full after 2 weeks with no interest and was witnessed by a third party. This friend was moving cities and opening a new business, so he needed funds for housing/expenses etc. Repayment time comes and apparently his business has failed terribly. He's moved home and nowhere to be found. Won't answer my calls. Will respond via text sporadically saying he will pay in 3 days, then not respond for two weeks. What do I do? In another thread it was suggested that I start
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