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  1. Hi all, Please forgive me if this post is in the wrong place: Having used a number of doorstep loan companies over the past 10 - 15 years mainly KDS Finance & Provident Personal Credit to name a few I wondered if they had been fair with both myself & my partner. The first question I have is if I took out a new loan that re-payed an existing loan should I/we have received any interest back due to paying the first loan off early? My 2nd question is at the time I thought that they were helping us out by offering the loans to us as they never checked our finances correc
  2. My daughter told of this site and how it had helped her over the years reclaim unfair charges and it has been extremely helpful to her over the years, I know she donated several times and so I decided to register myself. My daughter has suffered severe trauma over the last 12 months and I am very pleased to say that she is in a much better place now. I am trying to sort her finances out, she is unable to work presently and unsure at this time when she will be capable of working. I was considering writing to the companies she owed money to explain what's happened to her and ask i
  3. I am needing to apply for a mortgage asap. Im a LTD company self employed contractor. There is a wrong default on my Equifax and Callcredit reports. Experian is absolutely fine. I have only been contracting for 16 months and so the likes of Halifax wont touch me. I have written to the FOS to get the details corrected but this may take time. Can you tell me what lenders only use Experian or suggest who i could check with. The brokers dont have this information. There is an article on MSE but its incorrect, it says Nationwide only use Experian, i called them and they s
  4. Hi all, Having read through many threads on this excellent site, I decided to raise formal complaints with a number of payday loan lenders. Between around 2012 and 2014 I took out around 60 payday loans. After the first few loans, I quickly found myself short of money after paying off the loans, and having to take out new ones again. Eventually I threw the towel in and started a DMP around the start of this year. My complaints were based on the loans being un-affordable, and that they should have been for short-term lending only. Complaints were raised in early October to the le
  5. I have contacted the credit reference agency Noddle (CallCredit) twice about credit card lenders incorrectly placing a Minimum Payment Marker on my credit report with them. The lenders are Co-op Bank and Aqua. I have made payments that were marginally above (e.g. £1) the minimum payment with both lenders. I filed a dispute with Noddle. Both lenders have refused to correct the data. When contacting both, they both deny responsibility and say that they have no control over how Noddle displays the data. Co-op Bank even said that this means that I didn't make a full payment but mad
  6. News From Credit Strategy The above case shows that PDL firms are still failing. The firm, who is believed to be "Safety Net Credit TA/ Indigo Michael" The FCAs rules have helped but more must be done.
  7. I got myself into trouble with a Halifax student overdraft many many years ago and the fees racked up so much I couldn't afford to pay it back before the debt was sold off. I moved away and sort of lost track of it. The debt became statue barred and fell off my credit file around 2011. Am I as good as dead to Halifax for any future business or will I be long forgotten by now, or in the near future? I'm looking for a mortgage and Halifax look promising but it seems like a bad idea to approach them or any of their group companies. What happens to people who do this with a few lend
  8. http://www.mirror.co.uk/money/high-street-banks-charging-customers-8381277 Got to get back some of that money they have been fined over the past couple of years !!
  9. Hi all I am needing some help. I am looking to claim back all possible charges for payday loans I took out in the past. In some instances I had numerous roll-overs, re-lending etc so I want to raise a dispute with all of the past lenders and try and claim back some or all of the charges. So would like some letter templates from those who have had success. By the way all of these have been settled and none are chasing me for anything. Cheers
  10. Could anyone advise if doorstep lenders (i.e. Shopacheck, Provident ) can be included in a claim for unaffordable lending? I had 13 payday loans when I applied for a doorstep loan, but unsure if I can claim with this?
  11. Is this all legit and above board? This is the sort of thing I mean; http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=84262 I have a similar issue with quickquid in which they sold a debt and all rights to a third party, but I think they have now bought it back and want to offset the balance against a refund I'm owed. I have noted that the debt is full of charges which would need to be removed. It seems unfair that they can do this as when they sold the account they broke the chain and their right to set it off against any future refund. And they probably sold it for a
  12. This may be helpful if you are looking for contact details. http://www.equifax.co.uk/Products/learning-centre/lender-list.html#lettera
  13. Don't know how these were missed. http://www.fca.org.uk/news/tougher-rules-for-payday-lenders-take-effect
  14. The payday industry is beginning to take a more customer-focused approach to its business, but a review of the first twelve months of the Financial Conduct Authority’s (FCA) regulation of the sector has shown that too many firms have been failing to meet the requirements to treat customers in arrears fairly. http://www.fca.org.uk/news/payday-lenders-failing-customers-in-arrears-says-fca
  15. Hi Im missing 5 payday lenders from all 3 credit reference agencies. I have cca'd them all. Thanks
  16. Citizens Advice warns that without a change in the law, more and more innocent second-hand car buyers could have their vehicle taken from them because of an outstanding logbook loan from the previous owner. New research with 874 used car buyers, released by the national charity today, finds: 63% of used car buyers did not check if the car they were buying had an outstanding loan attached; 2 in 5 drivers have never heard of a log book loan; 44% did not know they could have their car taken away by a log book lender, even if they are not the original borrower. Logb
  17. For full report - http://www.expressandstar.com/news/uk-news/2014/08/14/repossessions-at-lowest-since-2006/
  18. hi there could anyone help me i'm having a problem with getting a phone number for GR FINANCE LTD and my agent will not give me it the problem is that, i was wanting to take out another loan with the company but now my agent is saying that he wants my bank details instead of collecting the money at my door as usual I do not know much about this company as my agent will not tell me anything but say its safe and everytime i search for it i can not find a phone number anywhere.
  19. 2005 Loan made to purchase a leased flat and the loan was secured by a first mortgage on the property (the principal charge). In 2006 the loan was sold or transferred including all of its interests to another company who then recorded their interest by way a charge using the original mortgage deed which was created in 2005. A few months later with out any knowledge being given to us the borrowers, the so called loan in equity only part was sold and put in a pool of mortgages then sold to investors using the Irish stock exchange. We now jump to 2013 when aft
  20. Do lenders do this, I'd hate to think everytime I make an application they are discussing it with my bosses!?
  21. I have just been reading through 'the credit reference agency explained' section on the experian website and noticed that under the section 'what is credit reference information?' and the sub section 'credit account information' it explains that lenders can only share your information with your permission and that you would normally give this permission when you sign the initial agreement when excepting the terms and conditions etc. This has lead me to wonder, if I have an account which is now marked as defaulted 8 (agreement ended) would this not mean tha
  22. http://www.consumeractiongroup.co.uk/forum/showthread.php?421564-I.C.O.-inform-us-what-we-knew-already-lenders-rank-highest-for-DSAR-complaints
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