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Hi all, Thanks to anyone who would mind taking the time to read this and advise me if possible. I received a 2 fines from the magistrates court. 1 for no tv license (fair enough) and one for driving without insurance (although the car wasn't been driven it was just parked on my street as it was broken down and id transferred my insurance onto a new vehicle. Taxed to be on the road but didn't realise it had to be insured as well, my bad but I guess that's by the by). In the midst of this I was granted a debt relief order and was granted £300 by the official receiver
** NOTE - This thread is copied to the transport forum as well, for maximum coverage ** a friend that stayed at my house a few years ago has just had a letter to my house via royal mail in an unsealed envelope for a mags fine for travelling on a train without the correct ticket from the time he was stopping here. it says if no contact is made they will register the account in the register of judgments , orders and fines (affecting your ability to obtain credit my friend is panicking because he is in the process of obtaining a mortgage can they do this
I have been getting debt letters re the above for the past 3 years for a debt I know nothing about, there is nothing on my credit report, and all I can imagine it relates to is something from 19 years ago, which I am sure I settled before moving to my current hour 10 years ago debt free. I sent them a CCA request 2 weeks ago, and received the following response; We refer to your request for documentation relating to the above account. As we previously advised, AK is not in possession of the documents and we therefore put forward the request to the original creditor. U
Hello my partner and I have a direct debit with Comet for a fixed term loan we have received a statement today and it has something called a Sal Fin Int Charge. We have read through the contract/information and it does not mention anything about this charge we have not missed any payments and they have all been paid on time so what is this extra charge and why are they adding it to the existing balance every time that there is a transaction can someone please explain what this Sal Fin Int Charge is any information would be appreciated as we are confused to w