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Found 1,063 results

  1. Hello newby so please be kind. I am and have always been in Scotland. I had a student loan back in the early 90s. I missed a deferment in the mid 90s and they enforced me to pay the whole lot. At this point I stuck my head in the sand and moved house a couple of times. I never heard anything and got a mortgage no problem in 1998. I sold that house in 2006 and rented for a few months. Got a mortgage at my current house in 2007. Clearly never had any issues on my credit checks back then. the SLC must have tracked me down (over 10 years on) as I started getting "statements for information only" from them on an annual occurrence. They were clearly marked as "not a demand for payment". I therefore assumed they were statute barred. Checked my credit reports recently and still nothing of any relevance. Recently appears Erudio were sold my loan so I ignored their letter. Today however I had a more threatening letter from Shoosmiths LLP. They claim my account (The slc) is subject to a decree granted by the court. (No specifics). Now I know of no CCJ/Decree. Certainly none on my current file within the last 6 years as I have just spent a tenner checking. Also getting all of my mortgages/credit etc over the last 15 years hardly suggests there ever was a court enforcement. Can/do Erudio/shoosmiths try fishing with bare faced lies ? I would prefer to ignore all correspondence but this one has got me slightly twitchy. I realise their difficulties in enforcing even if there was a very old ccj/decree. However how do I find out if such an expired document ever existed ? Are they raised in the local court as to where SLC would have been chasing ? If so can I contact someone ? Many thanks
  2. Wondering if you have any updates on this? Been in Canada for 3 years - been paying back UK debt and SLC. Its crippling me with the currency conversion.
  3. I moved to Canada 2 years ago as a Permanent Resident and I've been paying the SLC for the last 18 months but now I've had a private loan recalled (father in law) and I can't make payments to him, MBNA UK (£10,000 on 0% credit card) and the SLC. I've decided to pay my family and MBNA but I want to know what damage the SLC can do to me. If not paying the SLC is going to ruin my credit then I'd rather lump it all in and default on the MBNA too so I can pay this private loan back quicker. If not I'm happy to pay. I get my citizenship next year and it's unlikely we will be returning to the UK. Ireland at some point possibly but not the UK. Loans were taken 2005, 2009-2012. Totally £21,000. Outstanding is £15,000 Thanks in advance.
  4. Hi, myself and my wife have a secured loan with welcome finance but due to financial difficulty and other issues we have had with Welcome we have not been paying it since 2010. We have now received letters to say that the debt has now been sold to Cabot and they now hold all rights to the account. They have appointed Marlin as their managing agent. Does this mean that this account is no longer a secured loan? If it is not, does this mean that welcome never executed the loan correctly in the first place because they could have just gone for a repossession. Forgot to add, this account does not appear on our credit file and has not for over a year.
  5. Good Morning to everyone here at CAG, another one of the many issues we've had to face at least it's not a council issue as before. I'm here to warn everyone and I have been a bit lazy and not searched the forum for any related articles, but I do feel this information needs to be passed on. This information concerns several business's and so I will Bold each one and to why I'm warning people of this. I will also provide as much information as I can, including links "BUT PLEASE DON'T USE THESE COMPANIES" The reason I'm posting this, is due to my wife. I run my own Small Business and by small I mean we currently only have one client, I also have a very bad credit history (though we are trying to resolve this) so trying to get the business of the off the ground with no money and no financial help is very hard work (Especially when you can't get credit). My wife works in order to bring in a steady income enough for our family to survive while we sort out our financial situation and get the business running. Now this concerns several business's in the "PayDay" loan sector and the mistake my wife made (Though not through any fault of her own), so I would like to pass this information on to everyone. So due to it coming up to Christmas, we have been short on money and so my wife looked at some loans and this is where it starts. Hypercross Limited: CN: 07720400 - Trading as Just Lend Cash They sent out a text message to my wife This appealed to my wife, as it was offering the loan to be paid back over 3 months. So she went to the website and saw it was a form for a loan and filled out the details. My wife being my wife, didn't think anything strange of this and so she hit the apply button and waited. This is where it all went wrong, as rather than tell her yes or no she's got the loan it redirected to the following site. http://www.loans-directuk.net/ Now if you look at the site, it tells you that it's a membership site and will cost you £69.95 to sign up. However this was not the case for my wife and it had automatically signed her up to the site. Though I have been through the email account in question and cannot find any emails from either company to confirm this, the only email I have is from me advising them that this was done fraudulently and advised if they take any money from the account it would be reported as so. So they did take the money from the account and subsequently been reported for fraud to the police, Action Fraud and the bank. We are just awaiting on the pending transaction to go through, at which point the bank will claw back the funds. DO NOT USE JUST LEND CASH - THEY FRAUDULENTLY OBTAIN MONIES BY DECEPTION Ok so the next one has got me very angry, even to a point I'm half tempted to visit this companies so called office of registration I only live 30 minutes from them. Frontier Finance Limited: CN: 06081861 - Personal Loan Finder (PLF) This was a cold call from the company PLF, I was around at the time of the call though not during the initial stages of the call. During this call they took details from my wife, including Debit Card details. I caught the call at this point and asked my wife to tell the lady on the phone that I wished to speak to her, she rang off as I said hello. My wife advises me that they had asked her to go to the website once she received the login details to approve the loan, so the text came through and this time I did the website information and looked at it. So I logged into the account with the details they provided and the first thing I noticed was the fee required, which was £39.99 at this point I said to my wife that there was no chance as I'm not paying a fee and we left it at that. Now my wife went to work and came home at 9pm, to advise me she had been paid a day early. So with the first part of this topic, I logged onto the account with the intention of removing all funds from the account to stop any money from leaving if it did. To my amazement, there was a discrepancy of £158.27 this rang alarm bells straight away. The £69 had been taken by Loans Direct for which was the reason for login into the account in the first place to make sure fund were not available to this company. There was however another £89.50 missing that was not accounted for, so we contacted the banks fraud department who have now advised that the £89.50 was taken by a company called Elite Loans Limited. This rang further alarms bells, as my wife had not had any dealings with this company and so I investigated and what I found is shocking to say the least. Elite Loans Limited: CN: 7179840 I've checked their website and also done a Companies House check on the company to see if they are a sister company of Frontier Finance who operate Personal Loan Finder and this is what I found and according to the details on companies house and on company check, they don't appear to be related but I know they are because it's the only other company that has taken my wife's debit card details.. Frontier Finance has in the last 24 hour since I raised a complaint to them (as the only way to contact them was through an email address, as the telephone numbers don't work) and advised I have reported them, have now removed their company number from their website or it's not at the bottom where it was last night. Since all this has happened, we have raised this with the police as fraud who have passed details across to Action Fraud. I've also contacted Action Fraud, who will be contacting me at some point today to discuss further. It has also been reported to the bank, who are going to claw back the monies and dispute against both companies. Now my advice to anyone and everyone, including those of you who feel you would know better. Investigate a company first, if it sounds to good to be true it most certainly is. Do all the necessary checks first and under no circumstance give out you Debit/Credit Card details over the phone especially if they require you to approve via a website and even then make sure you read the fine print. I've listed some links of useful site to use below. http://companycheck.co.uk/ - Check out the company first http://wck2.companieshouse.gov.uk//wcframe?name=accessCompanyInfo http://www.actionfraud.police.uk/ I will post up more information on how we get on, as and when we get it.
  6. Hi ..Just been reading this thread...and it's almost a mirror image to my nightmare. http://www.consumeractiongroup.co.uk/forum/showthread.php?370805-Lombard-Direct-Arden-Credit-Management-Query-PPI-reclaim-now&p=4062117#post4062117 The same players as well ..LOMBARD ...THEN IDEM ..THEN ARDEN CREDIT.... .Who are really turning up the gas on me constantly reviewing my payments to them every few months and constantly pressurizing me . I had the original loan with Lombard taken out september 2000. for £13,300 & PPI upfront payment of £2431.87 .plus total charge for credit £4081.33 total amount to be paid = £19813.20. Via 60 x monthly payments of £330.22 @ 9.90% APR. In 2001 November. I had a nervous breakdown and used the PPI to pay the load for a year. After which time the cover expired. As I have been disabled with mental health issues these past eleven or so years I have just been paying reduced payments to the various people Lombard seem to flog my debt too. They (Arden Credit ) are always asking me for more money (which I have been doing but have now reached my maximum of £120 per month) as I am on DLA . They know I have mental health issues, but when I tell them I cannot afford any increase to my monthly payments they send out a income & expenditure form . (even though I e mailed them one two weeks ago.after seeking help from the National debt helpline). What annoys me is I never ever fail to respond to them in any letters, but when I e mail my responses they say they have no record of the e mails until I challenge them ...then they say ..oh yes here it is. ..its making my health worse and I need to know if there is anything I can do to get the people off my back .. ..how much power do these people actually have ..given that this debt was taken out in 2001 , And I have never ever missed a (reduced ) payment to whoever was handling the loan. And do I have any thing to go on with regard to this PPI Payment which I originally paid out for...... Thanks Eddy
  7. HSBC now owns HFC Bank in Brighton. I wrote to HSBC Coventry PPI claims office giving my name, DOB and precise former address, last week, but they replied to say: no records of my account can be found after 32 years, and that they are not legally obliged to retain documents beyond the statutory period if an account was closed. I also opened a Loan Account in Bournemouth and fully repaid around 1983. -- same answer from HSBC: no records. I myself have retained no records whatsoever, but I am absolutely certain I had those accounts, and 70% sure there was PPI as was standard custom in those days. Is this a dead end? Should I invest in £10 requesting a SAR, if so SAR sent to HSBC Coventry or to HFC Bank in Brighton? Later to complain to FOS if we suspect HSBC does have records? Thanks to all for sharing experience.
  8. hello, hoping someone can help and point me in the right direction. In hindsight I wish i had done some reaesrch beforehand and found this site 10 years ago as now i wouldnt be in the mess that i am in so in 2008 i was in desperate need of funds. I approached a broker who introduced me to lancashire mortgages. initially i went for a bog standard mortgage but due to my circumstances and being self employed it was turned down at the initial stages. they did however offer me a secured loan. i should have seen it then that it was a trap. i took out a secured loan in august 2008 for 26k adding in fees etc it came to 30k. my payments were set @ £310 per month for 300 months in the agreement. I was stupid and desperate and didnt fully understand what i was getting myself into Having re read the agreement now (as i recived a letter a few days ago, more below) it stated in a clause that i understood that this agreement was not to be regulated by CCA. had i done my due diligence and was not so desperate i would never in a day have signed something like that. The first year went fine. all payments made. then in 2010 my employment became erratic and i started to miss payments. the usual threatening letters and calls followed and they put the £35 charges on to the account more than a few times. i always made the arrears payments as soon as i could. over that year and a half i got in total 44 call charges of £35 each and 5 £150 for letters sent for initiating proceeding and 3 for sending letters advising possession proceeding starting @ £500 a pop. It was a bad time. However i paid all the arrears off etc (not the additional charges they popped on) Since then i have always paid on time. for the last 7-8 years i have never missed the agreed payments always in the hope that i can save and pay off the damn thing (I can hope cant i?) the other day i get a letter with a break down of my payments since 2008. I was horrified that i have paid near enough £30k since then (the total loan amount) and there is still 15 years left which means ill end up paying over 90k if i continue!!!! that wasnt the worst however, they have said that my plan isnt on schedule and i have to pay £12k by mid august (given literally 2 weeks notice), to give them a call to discuss options. I literally broke down. no outline as to what that £12k consisted of and no breakdown. letter just says that i had failed to keep to the agreement (well the agreement was to pay £310 a month for 300 months which is what i have been doing) . The agreement was to make 300 payments of £310 per month which i have been doing on a regular basis for 7-8 years now with no missed payments. the APR has always stayed the same with no change even the payment breakdown shows this. Yet the interest accrued was now at £380 per month. looking at the outstanding balance its at £38k!!!! i literally broke down and haven't managed to get out of bed until now I have read all the other posts and know that it changed they from blemain to together. I need to get out of this bad situation. I always knew that i would have to make the payments each month and id have to pay the initial loan amount which was inevitable with such leaches. I was bidding my time to pay as low redemption as possible. started off at 5% and now its only 1%. also with the hope that my fortunes would turn and i would have the funds to pay the leeches off in one go. However the outstanding balance is now £38k and they want an additional 12k and thats not even redemption figures. To top it all off they have registered themselves on my property with land registry. No where on my agreement does it say thats its regulated by the CCA in fact there is a small clause on the first page which states that i understood that it wouldnt be regulated by the CCA and stupidly without understanding the consequences i signed. I thought after april 2008 that the 25k limit was lifted for such agreements to be regulated by the CCA as its what i have read on other posts on the forum? and thus am i right in thinking that my £30k loan is regulated regardless of the tactic they used to insert that clause? is my agreement regulated? can they be adding the interest like they are without even once notifying me that its increased and to advise me to increase my payments? the interest rate has always been the same since day one.. never have they contacted me to say i need to increase payments(why would the i know).. So stuck... they are ripping me off left right and centre and i dont have the will to live. bleeding me dry like leeches. What can i do?? i have to call them in the morning to discuss options but i wont say much or agree to anything as surely this must be illegal or downright immoral. i must have some type of recourse? Can some one help? shed me some light? Thank you...
  9. i recently requested a SAR on my lloyds tsb accounts as i needed info on the valuation that was carried out on my home in order to give security for a loan. i have received a copy of the file which included a copy of the valuation, but even though it refers to an instruction letter from the bank to the valuer, the instruction letter is not in the file. it is not even attached to the valuer's report even though in his report he comments 'instruction letter of xxx 2004 attached appendix A' is there anything more i can do to fro lloyds to disclose the instruction letter?
  10. Hi All, I'm not sure if I have a problem or not really! I keep getting calls from people asking about our loan with First plus and whether it had PPI on it, with all of them I have told them that there is no PPI showing on my agreement and that was the end of it, but today someone called fom FusionConsumer solutions and told me that although it does not show on the agreement First plus may have been adding it into our payments!! She asked when I took the loan out which was approx 2006 for £100,000 and what our payments were, then she worked out that we were paying approx £500 per month more than we should be and over the 25 years would be paying back about £270,000!! I don't know what to do now, if it has no PPI on the agreement how am I supposed to claim it back? Is what the lady from Fusion told me correct? Surely it would be totally illegal to be incluing something like PPI without even telling me!? Has anyone else had this with First plus? Any advise greatly appreciated as usual!! Thanks
  11. Can someone kindly advise how to calculate possible PPI reclaim amount ? I have calculated my monthly PPI interest amount figure using forum details located in which I have already paid over120 months but still have 60 months to expiry. Any assistance would be appreciated as I would like to know a possible figure in order to compare with Welcome's offer if successful.
  12. New one this for me...a little help required?! My Wife has a TSB credit card, has had it 17 years no CCA at all. Have nt heard from them for over 6 months. Have sent Resolve Call, Moorcrofts and 2 others letters in the past asking for CCA AND Letters and they all give up and say they have passed it back to Tsb. Today though we receive this new one "We have been instructed by our client to recover the overdue debt. We DEMAND that the sum stated be sent direct to this office IMMEDIATELY using the payment slip below. Your failure to comply could result in a DEBT COLLECTOR calling upon you for payment or a COUNTY COURT JUDGEMENT being registered against you. Yours sincerely swiggly autograph! By the way this is from the DEBT ENFORCEMENT OFFICE in Whitchurch, Bucks. I am quaking in my boots....NOT! Any help what road I go down please with this one Is it same approach as the previous four and has any one heard of this company?8)
  13. Hello I am looking for some advice about mortgage style loans from SLC 1997-2000. I deferred successfully up until the year that Erudio took over my account, circa September 2014. As their deferrment form seemed more invasive/complicated, I chose to ignore here I am now, after ignoring default notices, letters transferring my account to Capquest/AIC and PAP letter, Now a CCJ county court claim form. I have followed some guidance on this website - completed AOS, sent CCA request to Erudio and then SAR request to the solicitor. Drysden have written back to say have placed my file on hold whilst we seek our clients instructions they have requested copy documents referred to in my SAR letter. I need to file my defence by the 5th December - do I still need to do this with the solicitor stating they put my file on hold If I still need to file my defence do I just need to say that I took out the loans a long time ago and have requested copy documentation that is not yet forthcoming so that I can review/check what I need to pay? Thanking you in advance.
  14. Good evening all, I've done a bit of research trying to close accounts which led me to requesting CCA's to Cabot. I sent two for two different accounts which they took off Halifax (1 x CC & 1 x Current Acc Overdraft). I posted the following to them: Dear Sir/Madam Account No: With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974. 2. A full statement of account. 3. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 4. A copy of any other documents referred to in the agreement. I understand that under the Consumer Credit Act 1974 (sections 77-79) , I am entitled to receive a copy of any credit agreement and a statement of account when I request it. I enclose a payment of £1 which is the fee payable under the Consumer Credit Act 1974. I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days. I understand that, under the Consumer Credit Act 1974, creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account. A speedy response would be appreciated to resolve the matter amicably. I look forward to hearing from you soon. Yours faithfully THE LETTERS WERE RECEIVED ON 17TH/18TH JULY AND TODAY I RECEIVED THE FOLLOWING LETTERS: Thank you for your CCA request etc etc... We currently do not have this information on file. However I have requested the relevant details, which include a copy of the credit agreement, statement of account and relevant terms and conditions from the original lender. You have requested a copy of the Deed of Assignment. Please be advised that the DOA is a confidential document between Cabot and the original lender. It does not contain any personal details relating to you or your account and is not available for disclosure. We sent you a Notice of Assignment for your account to your address, which is sufficient to confirm our ownership of this account. Only the courts can request this... Blah blah blah. A couple of things here... I asked for a true copy, they are referring to simply a copy. If they do obtain a copy, is this enforceable? Also is it acceptable what they are saying about disclosing the DOA to me? I don't ever recall being sent a Notice of Assignment, if I did, is this sufficient to confirm ownership and enforceable? I have been currently paying towards what they are claiming, on a monthly basis via DMP. The next payment is due in a couple of days. Should I continue paying or is it advisable to stop until they wholly action my request? Thanks in advance and any help/advice/feedback is much appreciated! I'm looking to get a mortgage by the end of the year so I can get my son into the school I/he wants. Many thanks.
  15. I took out a mortgage with the Money Store in 1999 and it was transferred by them to Platform Funding Limited later in 1999. Although I wasnt self employed then the Mortgage ppi was just added to the loan £1,825.80, I was never asked if I wanted it and it was an upfront payment. As a few months later I paid the mortgage off and subsequently the mortgage ppi. Is it too late to request the ppi back. I have the mortgage account number and I understand Platform is now owned by the coop? Who would you contact?
  16. Hi all, I am hoping someone can offer me some advice please as i am a little confused by all this. I took out a secured loan in 2006 with Welcome Finance and thereafter got into financial difficulty with the loan going into arrears. A company called Experito Credite then got in touch to set up a payment plan, which I did paying them £50 a month. After this, the loan was then transferred over to Lowells who i continued with the same payment of £50 a month. However, on looking at my recent Lowells statement, it claims a company called Sigma Financial Group are the original creditors. I have never heard of this company and i cant find any link on the net between them and Welcome Finance. I obtained a copy of my deeds and Welcome Finance are listed as having a charge but there is no mention of any of these other companies. I am looking to sell the property and possibly get a reduced settlement. Having spoken to CAB, they advised me to do a SAR in the first instance, to check for PPI or charges. Only now i'm unsure who the SAR should go to, Welcome, Lowells or SIGMA? I haven't dealt with Welcome in over 7 years now so would they even have this information? Any help would be greatly appreciated. Thanks
  17. Hi I'm wanting to get information from Blemain with regard to my loan. It's due to finish later this year and they claim the current balance is approx £4.5K which won't be cleared by the payments! I'm going to send a SAR but I'm not sure which template to use from the library. There's Full Subject Access Request or Debt or DCA Subject Access Request I was going to use the "Full" one, but then the "Debt" one looks better as it specifically mentions insurance and additional charges. Any help would be greatly appreciated. Thanks. BB
  18. Please can you guys advise me what I can do. The Third party insurance making it very difficult and seem like they are looking for ways not to pay. If this is the case I will be liable for the costs, which would set me back in life. Background 1.I had a collision, and claimed for the damage to my car personal injury. (it was non-fault but the Third party claimed 50/50). The case went one. 2. Third Party gave me a cheque for half on non-prejudice basis. The day they sent this, My solicitor took the hire car back from me. 3. Cheques take some time to clear, However I saw a car I liked. I asked for a loan from my cousin, on the basis that I pay him back when the cheque clears. (he previously said no, as I had nothing to pay him back. A few months down the line my solicitor called me. They cant get a better offer than 50/50. Its his word against mine. I asked what will happen to the hire car fees. They said you will get half. The other half will be written off by the hire company. I agreed. I thought everything was done,. but 7 weeks later... Issues 1. Third party wants proof I brought a car (I give them insurance documents) 2. Third party checks my bank statements. They ask were is the transaction for the car. (The car was brought cash in hand, I gave them proof of the bank transactions of my cousin loaning me money, plus screen shots from his bank. And screen shot that he paid my insurance money. 3. Third party gets in touch again. Where is the cheque we gave you and why did you not borrow money earlier. (I sent a screen shot of the cheque in my bank and said no one wanted to give me a loan) but once the cheque was posted I had people willing to loan me money as I had means to pay them back. not heard anything back yet. Questions Why are they making it so hard? I just want this to over. My life has been put on hold. Because I am afraid of what may happen if they refuse to pay. I seen many posters around about the same situations, but never the final result. I just don't want to keep prolonging this. I have provided enough evidence to show the need for a hire car, plus they have my bank statements they know my financial situation. what more do you think they can ask?
  19. I forgot to notify them of change of address and stopped deferring so they're now chasing for the full amount of my 1998 loans. I've been a stay at home mum since 2013 so no income at all. They've passed it on to Link Financial which I'm assuming is their debt collection agency. They've said my last deferment ended 2014. Which might be right as I moved that year. They've also said I've breech the terms ie cannot defer anymore and loan won't end at 50 I can't declare bankruptcy or do an IVA. Unless I win the lottery there's no way I can pay this and don't want a ccj. What are my options if any? Thanks
  20. Hey- myself and now ex partner took out an unsecured loan back in 2006 for £20k on top of a mortgage we had at the sametime - all ok - fast forward 1 year he then takes out a secured loan in our names, forged my signature (this is not why I am writing but just trying to give you some background) he told me he would kill himself if I reported him - we split up only after 2 years did I then contact bank and said I didn't sign or agree to this - they wouldn't back down, police wouldn't pursue the property was sold and the proceeds were swallowed up for his secured loan I stopped paying the unsecured loan in April 2013 (when we split up we walked away and paid nothing) I rented out property and we sold this end of 2013 there is nothing on my credit file for this unsecured loan that is now £16k -I was able to obtain a mortgage in 2016 no problems I am now getting letters from a company working for the bank wanting payment of the £16k - I had some correspondence with them back in 2016 and then it stopped - my question is do I have to pay this? why hasn't this been on my credit files?? I hope I have explained properly I know it will be 6 years of non payment in April but as I had correspondence in 2016 would this be statute barred
  21. Hi, I am new to the forum. Thanks in advance for any advice given. Student Loan Has Matured/ Full Payment Due within 14 days letter received from Erudio I am 45 years old and had taken out two student loans(95,96) and one (98) so under the old and new style loans. About 10 years ago I had arranged a payment plan (spread across all 3 loans) with student loan company (I think I was over the threshold to defer but was experiencing hardship). I had set up a standing order which remains in place to this day. When Erudio took over I received letter, calls , statements etc from them but have never contacted or corresponded with them in any way (just figured I am paying something towards the loan and was worried that if interacted with them in any way it would somehow trigger a new agreement or obligation, so just left it at that). I have recently received 3 letters within the last two weeks from them stating that my loan has now matured and full payment is due (aprrox £3600). Only after looking around on forums have I become aware of statute of limitations, but am I correct in thinking that my payment plan still running to student loans company constitutes acknowledgment of the loan? I believe that these payments continue to just beforwarded to Erudio (as I never signed or arranged for the payment to go directly to Erudio, only to the Student Loans Company details I had at the time). I’m wondering why there sending me letter so closely spaced, are they trying scare tactics to get me to contact them? I have other priority debts so do not want to pay this off if there’s a chance I could continue to do it over a longer period. Does it make any difference that I have not acknowledged anything to do with Erudio, accepted calls, responded to letters etc. Any advice is most appreciated. Thanks
  22. Hello, I am looking for help and advice relating to this on-going dispute I have with the Nasty-west. (Edit) Long story so give you the short version. Reclaimed back bank charges before they put a legal stop to it. Tried to reclaim Advantage gold service charges -they denied it Reclaimed ppi on one loan.. They have never reviewed or addressed the three previous loans with ppi on them. I refused to repay the loan until the resolved the ppi- they didnt. Instead they told me to court and won over a technically and obtained a charging order on my house. I have contacted the ppi deparment on 2 occasions for redress to the previous loans with ppi. They don't even answer me. The CCJ they obtained for the loan is an accumulation of the loan, bank account, mis-sold ppi and mis-sold advantage gold service. So as far as I am concerned they are take money from me via shoesmiths that they actually sold fromme. Any help or advice greatly appreciated
  23. Hi Last year I separated from my husband, as a joint debt we had an unsecured loan of £30k from NRAM which we had for years, my ex then decided to go bankrupt leaving me liable for the loan. I paid my half of the monthly amount due for a few months and then just couldn't continue to pay anymore. I wrote to them in December 2016 offering them a full and final settlement figure, which they ignored (this was quite low). The first time I have heard from them since me contacting them in December 2016 was last month they wrote to me to say I still owe £28k. (even though through interest this has been paid back and more!) They are now threatening: *instructing a field agent to review my position *Debt collectors *CCJ *Bankruptcy They have given a time limit for me to get in touch with them. I don't know what to do, I haven't paid in over 1 year now, I live in rented accommodation, I don't own any assets, I have a limited company am worried if they do make me bankrupt then I wont be able to carry on with this. Do I offer them again a full and final settlement offer? I don't have any savings I would be offering this via a third party. Has anyone been sent a similar letter? Does anyone know of NRAM accepting and Full and Final settlement offer? I've heard that when a company sells a debt its usually at 20% - 25% of the amount, is this correct? Should I offer at this % of the balance? As I don't want for it to be rejected again. Any advice gratefully appreciated. Thanks
  24. Good evening all, I took out a unsecured personal loan around 2 years ago with Tesco bank. My financial situation has changed quite a bit in the past 6 months, lost a family member, dealing with depression and anxiety and due to this my self employment businesses sales have plummeted. I got a part time job to help cover my living expenses so i'm trying my best to keep up with all of my payments. My outstanding balance is just over £16k. Monthly payments just under £400. The past 4 months I've been paying late. At the end of every month I end up giving every single penny I have toward this loan payment. Tomorrow I am planning on sending this letter off I found in the forums. https://www.consumeractiongroup.co.uk/forum/showthread.php?387346-Ask-Creditor-to-Accept-Pro-Rata-Payments-**Correct-as-at-October-2013** I was just wondering where I can find a I/E sheet? and do I include this loan payment in that sheet? Also what is considered a reasonable offer that they would be inclined to accept? Is this the best way forward? Thank you in advance
  25. Hi all, in 2008 I took out a secured loan of over £10k from Welcome and within a few years struggled to make the payments. The loan went to Cabot on Welcome's demise and then to Ascent. 2 years ago, instead of consulting this site(!), I started paying Ascent less than £100 a month (don't want to be specific, in case they're on here) and this has brought the amount down. The balance is still over £10k and there is a charge on my property. Having spoken to Ascent, I have asked for a settlement figure and they want and income/expenditure thing (not something I trust, it's just to see what they can squeeze out of you I think) before giving me one. I have offered around £4k. My main priority is to get the second charge removed. And hopefully for a substantial discount or nothing. Any advice from here please?!? I understand now that I shouldn't have paid them anything but as there is still a charge on my property I felt I had to.
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