Hi just had a doorstep visit from debt collectors moorcroft my husband answered the door and nearly let her in i asked her to leave my property which she did no problem and just said she would put me down as a refusal i was just sorting out my ccas do i now send them to moorcroft or citicards

Hi, Could someone point me in the right direction as to my problem I took out a car loan in april 2004 from lloyds bank due to unemployment ceased making payments in june 2006 the loan was for 4 1/2 years. I have had dca chasing ever since, in september 2014 i wrote to them stating that the loan was statue barred have now received a summons , In a letter to me the solicitors state that the default date is when the original debtor was entilted to demand payment ie at the end of the loan october 2008 , I received the summons september 2014 also stating that there is case history ie bmw finacial v hart regarding this date, but i thought i read somewhere that this had been overturned Could anybody tell me what the present situation is regarding this

Hi All, I was wondering if someone would be able to help me in this situation. I am having issues with the Pitman Training Course that I’m currently enrolled on. I enrolled on my Advanced ECDL/Executive PA Course in September 2014. So you can Imagine how shocked I was when in February 2015 the Pitman finance department in Croydon contacted me to say my account was in default. They stated that it had been so for 6 WHOLE MONTHS! When asked why they had not contacted me earlier to bring the matter to my attention. The response I recieved was “we had a backlog…we were poorly and unwell” etc. I felt very angry and upset as a result of this I left the centre and went home. I kept trying to call the accounts department as I thought of some suggestions on how I can resolve the account and continue my studies but it goes straight to Voicemail, I have left emails, called the office and when asking Head Quarters about the next procedures they simply distanced themselves from the situation going on to state Pitman Accounts in Croydon were a separate company and just advised me to keep trying. I emailed Patricia Porter at Croydon and had left my details, but no attempt whatsoever had been made to contact me. After attempting to call Pitman again today I was placed on hold to wait for someone in the accounts department. I was then informed “Sorry they’re all in meetings”. Then very coincidently the financial controller Patricia Porter at the Pitman Croydon Centre messages me less than a minute after the call with the one line email response below: “Dear Alesha I am away from the office today. Regards Patricia Porter” Immediately I messaged Patricia back and asked “Who can I speak to regarding my account in your absence?” I received no response at all. Exactly how do you treat a student with an attitude like that? I’m so disappointed by this lack professionalism and can’t believe I have to resort to an online post to try and reach out for advice. It is so off putting when you have an organisation with an attitude of “We won’t accept or return your calls when there is a problem…But we will be glad to accept your money anytime!” I have made every effort to reach out to them to no avail and I would really like to get further advice on what I can do about this situation as I find the accounts department in the Pitman Croydon very uncooperative,unreasonable and utterly irresponsible! Regards, Alesha

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Hello all, Had a debt with a credit card, FIRE (Cabot financial) took over, made a F&F settlement amount with them (got this in writing with dates to pay etc even a letter confirming that when this is paid, my credit files will be updated). Low and behold, last payment took them a month to debit, and no confirmation letter. Default still showing and incorrect amount also showing. 3 months later and no response to letters I have filed at County Court for my monies back, default removed and other costs etc. Check my credit file again yesterday, they have updated, but still with the default, and incorrect balance. Very very angry and frustrated. You do the right thing and they still break a contract. Just looking for some advice. Has anyone else took them to Court? Have they paid up? Do they update Credit reference agencies? Do they actually do whats on the judgement? Will they drag it out or do they right thing and settle? More angry as this is the only blip on a very good credit file. Look forward to any replies.

Well, took out a loan with CTI as they were in 2003. They made us take out PPI which we didn't want so I contacted them this year to say that it was missold. They did not get back to me so took it to FOS and they have just written to us to say that CITI are willing to send us a goodwill offer. However, the FOS did say that they have not looked yet to see if this policy was missold! CITI sent me a letter offering a max refund of £8037, which sounds good but want to check with people on here who know what I should do. CITI say it is a max refund of upto that amount but they want to see the paperwork first! So, is there a chance that they will offer me less? The policy itself was £6189 and it was paid off when we finished the loan in 2004 when we remortgaged. There is small print which says that they PPI premium must be paid in full when the loan is finished early, which it was. Should I take CITI's offer even though it may be less than the max they have stated. Also, according to FOS guidlelines, they should be adding on interest of 8% for each year so surely I should get the policy premium back plus the extra 8% interest on the premium which would be for 12years. I am really confused and don't know what to do so if anyone could help I would really appreciate it. Thanks x