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Found 20 results

  1. My partner was dismissed from work in Dec 2016 for gross misconduct - theft of employee. They had him say in statements that it totalled to over £22k (unsure if it was RLP or employer) but only £13k was documented on partners papers and £60 on CCTV. Police were called, he was taken into custody. No charge or bail. Some amount was recovered that night. He missed his summoning due to moving cities and they never updated the system, so he handed himself in after he received a phone call in which he was then escorted to magistrates - plead no contest at his solicitors reques
  2. Hi, was hoping someone can provide some advice for a family member, car was on finance, missed last 3 payments, did not receive any paperwork until debt collector arrived, offered to pay all monies owed as was an oversight, finance company refused to accept payment as stated monthly payments no longer affordable, car was taken immediately. A letter has just been received asking for an immediate payment of 3k or will be passed to debt collectors The offered payment would have taken payments over 1/3 of the agreement, we were given no other opportunity to
  3. Hi All, I was involved in an accident last week, where my car has been classed as a CAT D write off, im buying it back and fixing it. However the thing that is most confusing is my finance settlement figure. My finance started July 2013 for 47 months at 115.07 and 1 at 265.07. I borrowed 3200 at %35.53 (i know but bad credit) and 29 payments done out the 48. Insurance paying out 2830 for the car buy back at scrap £400, Finance advised to my insurance company that 1995.99 as a settlement figure. Ive negotiated with my finance company to take 1500 to leave me that extra 495 to get the
  4. I'm at the stage where the adjudicator has found in my favour on two out of three loans (I'm still fighting hard on the 3rd one). On reading through their letter to the bank (the bank has until the 3rd September to reply), I've found the PPI figures the FOS are quoting to the bank are way off from my own knowledge of the loans (£777 as opposed to 36 payments of £35). The bank have quoted all figures supplied to the FOS are from their insurance provider, who I have SARed and been told they have nothing on record. These loans go back to 95/98 era. How much work is it to ge
  5. I have a question about the annual assessment for working families tax credits. I had a claim running last year that I cancelled in October as my earnings went above the threshold. I now have a form for annual assessment 2014/2015 and they are asking for my income for the full tax year. What I want to know is why they need to know the full year? As far as Im concerned I ended my claim in October and my finances from that point onwards is none of their damn business. I get really sick of these government agencies prying into my finances & thought that when I ended my claim I would f
  6. 'Martyn Uzzell, from North Somerset, was thrown into the path of a car after hitting the pothole. An inquest heard North Yorkshire County Council had missed opportunities (even reported to them by the police) to repair the A65 in Giggleswick....' http://www.bbc.co.uk/news/uk-england-32215664 http://www.dailymail.co.uk/news/article-3033555/Widow-cyclist-killed-hitting-pothole-Land-s-End-John-O-Groats-charity-ride-wins-six-figure-compensation-payout.html also, Mrs Windsors designer killed whilst cycling to work http://www.standard.co.uk/news/london/london-arts-visionary-moira-
  7. I will finally be debt free in the next week or so. But before that happens I need to agree a settlement figure with Barclaycard. I had a card with them and egg and I have used neither in donkeys. I now want to get a realistic settlement figure for both cards as a lot of what they say I owe is compound interest and charges. I've thought about hitting egg with a proof of agreement request but to be honest, I'll just be happy to get rid of the millstone round my neck. So can any of you offer me some advice on how I should go about this? They have passed my acco
  8. My son foolishly bought a rental property about 9 years ago - I told him at the time the figures didn't add up, e.g. guaranteed rental income for 2 years (meaning it was too dear in the first place) £5000 cashback on the mortgage (ditto) and too dear for a new build in the area. As predicted, once the 2 year 'guaranteed' rental income ended he couldn't find a tenant at anywhere near the required rent and eventually he fell behind on the mortgage and finally handed the keys back. He now live in a jointly mortgaged property (the rental was his name only, the 'home' is joint husba
  9. Has anyone had any dealings with these? in August I closed a bank account and forgot to pay the final month on this. Left a £30 amount owing, I thought no problem i'll pay it. Forgot all about it and canceled the insurance before the renewal date for which I have confirmation. Forgot all about it . Today I've had a letter from Regal asking for £52. This is more than £30 and the extra charge must of come from somewhere. Now we know you never ring debt collectors but its a small amount and I had some anger to vent. Firstly he told me it was because I cancelled
  10. HI ALL,..what is the best figure to use TCR.. STANDING CHARGE ..KW RATE.....when you do a comparison..i have a pre payment meter and want to change but the figures are pretty confusing...cheers paul
  11. Hi All, Im just new here, and am really hoping I can get a wee bit of advice. I took a secured loan with GE Money in September 2004. In November of that year, I suffered an injury at worked that resulted in permanent disability. Things have been very difficult since then, and I have been juggling the small amount of money I have to try to at least pay my creditors. The loan was taken at £7000, plus interest of £1050, making a total of £8050. Although payments were sporadic, over the next 10 years I paid to the account £10,333.44. Due to a load of bad circums
  12. We have various debts that have been in different states of long-term default, being paid under small monthly arrangement payments to DCAs. We now have a sum of money available, nothing like the totals owed, but I have heard you can good discounts off bad debts to settle and it would presumably help my credit file somewhat in the long run to have them declared satisfied. My question is this - what are the best ways to approach DCAs (or the original lenders) in this situation? What should one say? I've thought of some ruses like saying "oh, I'm facing bankruptcy anyway and you wo
  13. Hi, I'm new here and hoping I can find some help and advice. We have several debts (some in my husband's name but most unfortunately in mine). Some of which are over 10 years old. I've been maintaining payment arrangements with the several collections agencies dealing with them for very small amounts (between £5-£10 a month) for years now. Now I'm in the situation where I have recently separated from my husband mid Jan and am now a single parent, starting over at 40+. We are putting the house on the market but there will be very little equity left in the proper
  14. Hi, I tried to get my head round dualcalc and searched here for ages but I'm stumped! Im trying to get a settlement figure from MoneyBarn for a Car HP and they keep giving me conflicting info so I want to try work it out myself as I got a settlement figure two payments ago and comparing it to the one now it's £50 less which is bizzare, after numerous phone calls they are telling me the previous one they gave me is wrong? sounds like they've made a right hash of it. They said they will send me a statement so I can work it out and query them if I think
  15. Hi I wonder if anyone can advise us? My husband has been paying off a debt from Lloyds which they sold to Cabot. Cabot have now written offering a settlement figure! W e can't afford to do this. We are now worried that if we refuse, they may threaten to take action. We do not own our own home, nor have any other assets of any worth so we are worried about what they will do. Having read other posts on sites, it appears that Cabot do not have a particularly good reputation. We are just wondering how to proceed with this, or just refuse the offer and carry on pa
  16. Hi I wondered if anyone can help me understand my loan early srettlement figure please?? We had a personal loan from Natwest (which thaey stuckk PPI on - but that's another story!). The loan was for £9488 plus 2205.40 for PPI so a total of £11693.40. On the credit agreement it states : "The customer has the right to repay the loan before the end of the term by making a single payment calculated under a formula which limits the amount of the total charge the customer pays. The amount the customer would have to pay if, for example, the customer wanted to settle when a quarter of th
  17. Hi this morning I received a letter from Blackhorse thanking me for my request for a settlement figure, it then goes on setting out how much I owe and how much I pay every month etc. At the end of the letter it says "A copy of this letter has been sent to :fao:Kevin Dudley, cathedral motor company ltd." I never asked for a settlement figure, I have also never heard of Kevin Dudley or Cathedral motors!! I am absolutely horrified that some stranger has now got my account details and my address!! What can I do? Should I ring Blackhorse or write to them? Im really worried about this. Thanks.
  18. Hi, I have a secured loan with paragon and a mortgage with Nram totalling £161K. I owe Northern Rock £118K and I owe paragon £43K. I am struggling to pay them both every month. I am basically paying two mortgages and I can't cope anymore. I have already paid Paragon £38K over the last 7 years and still have a balance of £43K so £35K of that is interest alone. Our monthly income has dropped and we have accumulated arrears in gas, Electric, Council tax and water as well as other debts. We can't keep up repayments for much longer so I have had the house valued
  19. Hi Im new here so hope Im posting in the right place. I have had my case upheld and will be hearing from the broker anyday now with a settlement figure I would love some help... It is a single premium policy on a mortgage over 25 years, with 19 years still to pay. Loan amount £69,290.00 ppi £7206.00 Total £76496.00 I am really confused to how much I should be accepting and how it will we calculated,so basically the lender could give me any amount and I really wouldn't have a clue if I was being ripped off again. Hope I have give
  20. Hi, 1st time been in this kind of situation and am seeking some advice as to where I might stand... In Feb 2012 my mortgage went from fixed rate to standard variable. I knew it was going to go down as my fixed rate was more than the SVR. I received an official note from my lender telling what my new payment was going to be, it was actually less than I thought and, as I was in a management position that i hated (and was making me ill) I saw the opportunity to stand down and take a lesser role within the same organisation (proved to be a good move health wise!). The 1st payment on th
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