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  1. Hi all Haven’t been on for a while, but nice some familiar names are still active on here! I have gotten into a situation and would really appreciate some advice and help. I have the same feeling I did when I helped my Dad some years back with debt issues, where currently everything feels quite daunting but know the CAG members hold a wealth of information and have always been great As I want to anonymise this, please bear with me for being vague anywhere. Completely out of character, I ended up in an altercation, things were said, the other party initiated pushin
  2. This is what Lloyds have sent me, clearly not the original as the font is exactly the same as on the new 1 and it looks like it was literally printed yesterday, shocked really as I only sent the letter friday but theres a copy of this, the current terms and a statement. Now i'm no expert but I think this is probably what they send everyone, how do I know this is what I agreed to?. Confusing as hell though, "see condition 8" etc. Clearly deliberately written with the intention of making little sense, but please can someone have a look.
  3. Hi, Hopefully someone can help with this.. My wife took out a debenhams card back in 2005 due to difficult circumstances in 2008 she defaulted on the account. this lead to eventually having a CCJ registered against her and a charge put on the property in October 2009. i have all the paperwork for this including the original agreement she signed in store, default notice court claim form the works. we are in a better position now and would like to know what would be the best outcome for resolving this? The CCJ is for just over £2k The ideal outcome would be to ge
  4. Long winded explanation. Our mortgage of 25 years comes to an end towards the end of this year, when we will have to repay approx £100k 2 years ago our life endowment policy was ended by Phoenix Insurance (not originally with them but numerous acquisitions they ended up with it). The reason for ending it - they had had to use money from the pot to service the policy. We complained - they agreed that it had been mis-sold and they refund the difference between a standard life policy (life only) and the money we actually paid into the policy over 23 years with simple in
  5. Hello everybody I hope you can help me, today I received a letter from DLC regarding a very old debt from Black Horse Ltd (original loan was taken out through Chartered Trust way back in 2000/2001) with the amount owing of £1,886.59. The letter is as follows: Dear XXXX Your account County Court Claim Number XXXXXXXX We have been trying to work with you in resolution to the above claim for which we have obtained a County Court Judgement. As there is still a balance outstanding, your account has been placed with Cabot Financial (Europe) Limited to act as the agent
  6. Good Afternoon. I was wondering if someone can help me with some questions regarding an old debt I have. About 5 years ago, my mother became terminally ill, I was in full time work and had to reduce my hours to help her as she refused to go into care. At the time I was paying for a Loan from NatWest. I knew I was going to start to struggle paying the loan amount so I went into the bank to ask for help. 3 times I went in asked, each time they either tried to replace it with a bigger loan over longer or just said no. On the 3rd time I spoke to the General Manag
  7. I was 66 yrs old 2 days ago. I have been in hospital for 3 weeks just got out but i have been worried about all my debts (plenty of time to think in a hospital bed) Summary 1) I have been with Payplan for 13 years and i have never ever missed apayment. 2) I have paid back £19,206.54 and my remaining debt is £52,233.72 3) My estimated DMP completion date is 28/04/2055 in which i will be 103 years old. 4) Owing to bad health i will not be around that long. 5) Payplan keep pushing me to start an IVA which is bad adv
  8. Hi all, Just a bit of a background, I called Blackhorse on the 23rd December 2018 to check whether I had any PPI on loans that I took out many years ago. The first and most relevant was taken out in 1987 as I recently found out from them. They found I had three within 87 and 91. They didn’t indicate or tell me whether or not there was PPI on any of my agreements and instead sent out a complaint form and explain to them why I was misold any of the policies attached to each loan. I had no paperwork at the time of calling. A week later I sent back the form and gave the reasons why
  9. I’ve been stupid and was caught shoplifting in Sainsburys and looking for some advice. I’ve searched the forum for similar situations, but I still have a few questions. I was taken to the back office office and asked for my name, DOB and address. I didn’t want to give them photo ID so showed them my bank card. They appeared to just look at it to confirm my name and didn’t take any photocopies of it as far as I’m aware. I was very compliant, stayed calm, handed over the items immediately (very low cost: less than £9 in total which I then paid in full before leaving).
  10. 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
  11. Had the following back from MBNA in response to a CCA request. 2 sets of T&C's, one current, and one supposedly from the time they card was taken out (not sure how I'd actually verify that) A summary statement showing current balance And a "copy executed agreement" Have uploaded the covering letter and the redacted "copy executed agreement". Basically, is this valid? This card was taken out in late 2014, and from what I've read it seems like it probably is a valid an enforceable response to my request, but would like to be sure before taking next step (MBNA bluntl
  12. Hi I've got an large outstanding balance (£25,000+) with NRAM that I am now being chased for. It is for the unsecured part for the dodgy Together mortgage, the house was sold Feb 2008 so the paperwork I signed will be a CCA that is post 2007. I was paying up till July 2012, however I was overpaying the so there was a surplus that serviced the debt was until May 2013 (first missed payment according to Noodle). Got the first letter from them today, really surprised it has taken them this long. Wondering what to do next? I can offer to pay something and ironically if I pay the
  13. We have a de-linked unsecured loan (part of together mortgage, but we moved mortgage) from 2006 for £29k, we have never missed a payment, the past few years we have had agreed, reduced means tested payments NRAM passed it to a solicitor who have managed to issue a CCJ against us after saying we missed six months payments..we didn't. We called the solicitor from the CAB on the morning of the court date (October 2017) and CAB manager explained we hadn't missed any payments. They agreed to stop the court action that day (in an unrecorded phone call!) CAB man
  14. Hi guys, this is an odd one, bare with me. A couple hired a car and the same night broke their window. Few minutes later the gang they had planned with drove away the car. Some time later when the tracker was removed or when it was secure they alerted the couple. Few minutes later they called the police. The story the couple used is we were asleep, we were woken by some noise and after looking for the cars etc we realized the keys were missing and that the window was broken. Unknown to them their tenant over heard many things including them visiting the gang l
  15. We are on pay as you go both gas and electric and until the meters packed up electric on 31st Dec and then the gas on monday. everything was ok. the electric meter packing up left us with no electric at all and because EE were having their break they thought it would be a good idea not to have an emergency number.. I ended up speaking to SSE who came out 30 mins later to check the power into the house as they said just in case its a fault their side. it wasn't, it was a faulty meter, SSE electrician got authority to bypass meter. we then spent from 2nd jan to Tuesday
  16. Hi I've been getting a number of letters from different debt companies and i stupidly ignored and even stopped opening them. I now have a letter from Northampton county court ordering a payment of over £8,000 for a certain credit card bill. I however suspect that this debt might be over 6 years as i remember getting into financial difficulties and defaulting when i was on maternity leave six years ago. I have read a few threads on here that mention doing a set aside and am guessing this is the route i need take, but am not sure who to contact regarding how old
  17. I wonder if any one can help. My husband works as a Chef, he has been working as a chef for over 20 years. he has a medical Condition Called Menierse disease. He has had it about 5 years. It causes him to have attacks where he colapses, becomes extremely, dizzy, vomits and he can’t stand up. He has to take medication when he has a attack and ends up in bed for 3-7days. After an attack he is left feeling very tired. He does not have attacks that often, but they are normally triggered by stress, being over worked and tired among other things. His employer knows
  18. Name of the Claimant ? Southern Water Services Date of issue – 10/11/2018 33 days was up on 8/12/2018 (3 days ago) only found court letters yesterday. Particulars of Claim The Claimant is a statutory water and sewerage undertaker pursuant to the water Industy Act 1991 (the Act). The Claimant claims the sum of £1700 for unpaid water and/or sewerage charges payable under s.142-144 of the Act and the Claimants Charges Scheme. The unpaid sum of £1600 is for water and/or sewerages services provided to the Defendant(s) at ************ for the period of July 2011 to July 2018. Th
  19. Apologies for the long message but wanted to explain situation Please can you advise? Purchased a Motorhome in July 2015 Paid bank transfer for lot (yes I know now I shouldn't have) £61K Endless problems over last 2 1/2 years and MH spent months over this time being repaired Even had a fire in the garage in a socket that wasn't working which they said they had repaired I could supply a list of repairs but I'd take up too much time for you to read them Main issue now - last June whilst on holiday during the heat wave we wound out the factory fitted awning on the side of the
  20. Hey I'm on a self made Dmp with 2 companies , Cabot financial ((sold to them by aqua)) and Hitachi capital finance. I received a default from aqua but no default from Hitachi. Total debt around 8.5k My Dmp with Hitachi capital finance shows on my credit file as late payment and has done even though my Dmp has been running for 16 months without payment issues. Could Hitachi give me a default even though I'm on Dmp? Also I looked at an IVA but I can't find d clear requirements for it. I'm not a homeowner . is it worth trying?
  21. I took out a money claim to recover money owed. The Defendant hired a Solicitor who sent and acknowledgement and applied for extra time, 28 days, to file a defence, I made no objection to this application and the court never put it in front of a judge for ratifying. However, 28 days later when the date specified by the Solicitor on their sample order had passed, no defence had been filed, so I applied for the judgement to be made by default as no defence has been filed. The Solicitor then called me (4 days past filing date) requesting further information so that they could be
  22. Hello would someone please be able to give me some advice or opinions on my next steps to help me. To cut a long story short i have a small business. I ordered an item to be manufactured for £1600 from another business (i now believe this business to be a sole trader). I paid 50% on order and 50% on completion. All good so far. I collected the manufactured item and took it home and placed in my unit but never opened it. I was speaking with the said manufacturer a couple of weeks later and told them that i was unsure if i had made the correct decision in purchasing it becau
  23. Hello Creation ….what a nightmare I sent them my new offer at the same time as all the others, they said on 16th Oct they were putting account on hold for two weeks so that took it to 30th October to allow time for letter to arrive, review it and reply. Today not even a week on they leave me a message advising account now off hold! I rang them and could make no sense they say yes account on hold but not on hold????? Do I ignore them and wait for them to reply to letter as quite frankly I don’t trust them and at least if it’s all in writing I know where I am? Or should
  24. Hello everyone, I would like to know if anyone as won any cases against Blemain in regards to unfair charges etc.... I took out a loan in 2006 for £25k secured on my property, I clearly checked the box indicating we did not want PPI only to find that over £5k was added to our loan which was for PPI. However in late 2017 I still had £27k outstanding on a loan which was taken out over 180months. Simple math shows with have paid over £50k back since 2006. My beef with Blaimain/Togrether is : £5k was added to the loan at the front end for PPI to which we clearly said we di
  25. Hi all, I would like some advice for a secured loan that was taken out by my ex-husband before coincidentally divorcing me a few months later. The loan was taken out in October 2007 and now over 10 years later i have been paying and the balance has only reduced by £200! I am extremely struggling with this and need to get this debt resolved as soon as possible can anyone please offer me some advice and guidance i have attached the enclosed paperwork. Information: My ex-husband never made a payment on the loan and was never on the mortgage or house documents, the house is
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