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  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. Hi all, I recently CCAed all my creditors in order to try and sort out my finances finally. I have been paying £1 token payments to each, having defaulted on all over 6 years ago. I have moved house a few times since and have lost track of what has happened to them all. having sent a CCA request to Robinson Way, who I originally dealt with for a Halifax debt, I received a strange reply, returning my £1 PO, and saying that "the account is closed on our files, please contact our principal". This was written on a very unprofessional piece of paper that looked more
  3. Saw my car with a clamp on it this morning and found out it was due for non payment of a PCN which I appealed against. Now i never received the council's response to my appeal and the only letter i recently received was on the Wednesday ( which i was told by the enforcement office, was hand delivered! which I think was posted via royal mail) The letter from the bailiffs stated i owe £200 as the for the PCN and court an legal fee due immediately. I was actually going to response to their letter today, but then saw the car clamped and i was charged £438 which had to be paid
  4. 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
  5. 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 fro
  6. 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 tow
  7. bit long winded this one, sorry folks. I had been working for an outsourced company in a well known bank. Whilst in training I received strange emails from the trainer. This was following from a conversation in training were I asked a question. He explained (in answer to my question) it was in relation to couples who had a joint account and subsequently split. He said “say you and I were in a relationship”. Three days later I’ve seen he’s gone into my email and sent himself an email from my account/computer “that joint account we were talking about, do you fancy it? Can we get back t
  8. Hi been given a reposession date after mounting arrears and not keeping to the suspended possession order given about 5 years ago. I haven't worked since 2011 but am starting work next month so offered Halifax £90 extra a month. Was told by Halifax a month ago that we could make a payment arrangement but first they needed to get another possession order but not to worry it was cos old one had lapsed. I then swiftly got a possession date through. I have liased through Ascent and they won't accept it they want the £9000 arrears. I have had medical problems and a bre
  9. hi, very worried as I had missed a payment early on after getting the possession order then been paying on time and missed a payment as I had changed my card details and couldn't afford the payment by time I realised it hadn't gone through. Been having non stop calls for past few days as I am a student nurse I was at work and missed the calls. I called tonight to be told it had gone to litigation that morning and although took new payment details he said he would speak to manager in morning but it would prob go down lines of eviction.
  10. I request your assistance for dealing with DRP (Dept recovery plus ltd) who are acting on behalf of Empark UK Ltd operating on ground of Mount Vernon Cancer centre. I had a letter on 12th April 2018 that my vehicle was issued with a penalty charge notice on 12th February 2018 for the reason of 'parked in marked ambulance bay'. I disputed the matter in writing that; 1. My vehicle was never parked in the bay 2. No where the location states 'Ambulance bay' rather at one point it says 'Authorised vehicles'. The parking area is used by Ambulances, private hire vehicles (who are
  11. Hi all, Thanks to anyone who would mind taking the time to read this and advise me if possible. I received a 2 fines from the magistrates court. 1 for no tv license (fair enough) and one for driving without insurance (although the car wasn't been driven it was just parked on my street as it was broken down and id transferred my insurance onto a new vehicle. Taxed to be on the road but didn't realise it had to be insured as well, my bad but I guess that's by the by). In the midst of this I was granted a debt relief order and was granted £300 by the official receiver
  12. I will be concise as this is not a confessional, if helpers need more information I will respond promptly. I am 67 years old and have seven creditors, one with CCJ. I followed the advice of CAG and offered what I could, a token £5 a month to each. These payments were set up and have run without apparent fault for about seven years. Since doing this I was evicted from my home of sixteen years (the reluctant CCJ with a very patient landlord) and had no valid postal address for some time. In 2013 I had to move to Germany for family reasons. My only income is my state pension and a very
  13. Hi everyone For the past 7 years I have been paying IDEM in respect of an MBNA credit card debt that they purchased probably for a tiny % of the actual. Since 2009 I have also removed several defaults from my credit file and paid back pretty much everything that I owed following a difficult financial period of my life. I got to the point that I was actually approved for a mortgage 2 years ago. However , a few months ago , I registered a complaint with IDEM as they would not accept a full and final offer to pay off the final and mistakenly I stopped payments for a coupe of month
  14. Hello. I have 27 working days waiting for this bank to reimburse a payment that did not reach its destination. This is normal?
  15. I have just received demands for final balances, gas and electric, after moving out 4 years ago. Firstly I did give final readings, as my ex LL was a problem, I also transferred my accounts to my new address, and still at the same address. I can't remember if I got final bills from that long ago. The demands I've received state they have tried contacting me several times, and that I have 28 days to pay or the will register defaults on my credit file! Any advice, I have emailed a complaint to them.
  16. I sent a CHAPS payment on Thursday from my account with the Yorkshire Building Society as I needed the money in my own business account with Santander that day to make a foreign currency payment. I paid £23.50 for the fast service and was promised the money would be in the Santander account later that day. It's now Tuesday morning and still no money in my business account. Numerous phone calls to both institutions just sees them pass the blame onto the other side. Is there anything I can do quickly to get this sorted. All i'm being quoted is that the 'chase' they can put on the
  17. Hi. I've attempted to find the answers on here but my head is swimming... I've received notice that i'm in default and erudio want full payment. I thought i was in deferment although now realised that this had lapsed in September. I haven't received any letters prior to this one. I've logged into my online account and not sure where to go from here. I thought id be paying the monthly amount after my deferment lapsed. This i realise hasn't been taken. My loans are from 1996 and 1999. I can afford to pay the monthly fee but not the whole amount which is what
  18. My 27 year old son rang me today saying he has received a letter Housing benefits from when he was in a bedsit at 18 attending college He moved and they have just sent him a letter saying he owes £500 and they are taking it direct from his wages as he did not inform them he had moved on time.. . He has always worked since leaving the property and has always paid council tax at his new addresses for 9 years and been on the electoral roll. He has never received any letters of over payment and has no knowledge of this over payment. I was guarantor at the estate agents for the beds
  19. Hi all, Simple question. As per the title, is it illegal for the council to refuse to accept payment for council tax? The story is quite simple, our council tax account has been passed to the bailiffs and as such the council are refusing to accept payments (to the point where they even appear to have blocked me from using their online payment portal), and insist that payments can only be made to the bailiffs. I've no intention of paying the bailiffs anything as a number of years ago (10-12 years) they stole money from us intended for payment of council tax, later telling me i
  20. Hello. I am 2 and a half years into a 4 year finance deal on my vehicle. It is all up to date at the moment. However I am changing job this month, but am going from self employed to full time employed and paid monthly. As I have no savings I will be going a whole month with no income so I am going to struggle to pay all my bills for this month. Before I start talking to the finance company about this to try and come up with an agreement (which I don't think they will be keen to do) what are the legalities of me missing one payment? I'm assuming they can't start repossessio
  21. My partner has a llyods loan and has had 2 holiday payment breaks in the last year (contract stated 2 in 1 year) she is at the maximum but is finding it hard financially after having a baby. She ideally would like to put the loan on some kind of a hold until she goes back to work full time (around 6 months time) Is there anything that she can do? it would help massively as the loan repayments are around £400. If not she will just have to soilder on thanks guys
  22. I have been living in my current flat for approximately 5 years. Firstly with a partner and recently by myself. During this whole time I have had a pre payment meter taking debt every time I top up for a previous tenant. Through my own laziness and stupidity I didn't pursue the issue. I tried to at first but couldn't figure out where to start and about a year or so ago the 'debt' being taken off was a negligible amount (approximately 50p-£1 for every £10 I topped up). However, recently the rate that the debt is added seemed to have escalated to £2-£3 per £10 topped up. I should have
  23. Hi everyone, any help would be highly appreciated Back in 2010 I arrived in the UK to study, me and my friends rented a flat in Brighton and I signed with TalkTalk for a broadband plan (1Year). The account was under my name and it was paying it from my personal bank account. End of 2011 I finished my studies and went back to my country, but before I do that I contacted Talktalk and told them that I am leaving and that my room mates will be paying from for this plan from now. (Kindly change the account holder to them and hereby I inform you that I am not longer responsible of this) "
  24. Afternoon Everyone. I've been reading other peoples threads regarding Vanquis and have come up with good information but have decided to make my own thread to be able to keep track of this and to add to the information hopefully, I also have questions. This is my only debt apart from my student loan it is large and I am worried it will ruin my credit score, I would like to get a debt plan for something that I can afford and then maybe make them an offer when I can to have the debt wiped with no CCJ. I owe £2993 with a limit of £3000 as of yet I havent missed a paymen
  25. Hi, My mum sadly passed away in August in Hospital, aged only 52. I have taken on the responsibility of arranging her funeral. She left no will nor did she have any assets, at the time of her death she was claiming ESA and living in a hostel. I have filled in the post office form to close her account but I doubt very much that there was much if anything in there as I went to her accommodation after she passed and she had been counting coppers before she was taken to hospital. I have spoken to the DWP bereavement service this morning about help with funeral costs, they
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