Showing results for tags 'makenzie'.
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Hi all, please stick with me, this may be a complicated read. My partner and her estranged husband took a home improvement loan out in March 2004 for £5000 plus £1098 PPI making £6098.79 total credit. In 2010 she found out that he hadn't been paying mortgage and bills etc, they separated, house was sold prior to the lender reprocessing. He has subsequently moved over to Romania leaving her with just over £10k debt (other creditors but Welcome is the most pressing, others haven't caught up yet). From the paperwork that is in front of me I deduce that the defaults started around 2009, this may be earlier though as he may have destroyed other paperwork. In 2011 she started receiving letters from welcome containing 'Notice of sums in arrears' and 'Notice of default sums', she called them in the first instance offering a full explanation of events leading up to that point but was rebuffed basically and told that the debt stands, nothing can be done apart from payment in full. Payment in full equated to £6068.74 which was simply an impossible amount to think of paying in one hit. In Jan 2012 she received and answered one of the many telephone calls and was told she had to pay something now to stop further action (I know she shouldn't have backed down) and paid £25.00. In Feb 2012 she contacted CAB who went through everything, sent a letter telling them to cease calling, asked for a full and final settlement figure and asked her to provide a financial means sheet. March 2012 brought a bit of luck in the shape of £2500 windfall which she duly put away in the hope that this may pay off the loan, CAB were informed and a letter was sent to welcome offering this amount as full and final, they rejected it! September 2012 brought a letter from Makenzie hall who now hold the debt, even though Welcome never came back to the CAB with a full and final figure. December 2012 was dire in the fact that her car broke down severely costing £1500 to put right. This £1500 came from the £2500 windfall as she needs her car as a home care provider. My questions are:- Where do I now start to sort this mess out? CAB, although good just don't seem to be pro-active enough. (not that I have any experience) Can the charges and PPI & insurances be claimed back so it reduces the overall outstanding debt? I find it incredulous that a loan for £6098 in 2004 paid until 2009 now stands at £6068! What legal right does she have over having to pay it all back when she was assured that it was paid before her ex left the country? She has given her ex's new address to Welcome but they don't seem bothered by it. I may have other questions but these are the ones that are at the forefront of my mind. Many thanks for sticking with this and look forward to any help and replies. LC
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