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  1. 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 l
  2. HI, im new to this service so please bare with me. back in 2016 my partner signed upto brighthouse for a washer dryer combo, we paid £50 inital payment at the sign up and two payment of £30 a fornight there after. after a month had gone by and we still hadnt received the item in question we stopped paying. Shortly after this we had split and was going through courts for custody battle, so didn't have the time to chase this up In 2018 we got back together and decided to chase up the debt that brighthouse owes us, on febuary 22nd 2018 we spoke to a customer ser
  3. Hello My friend made a personal injury claim after a car accident at the beginning of last year. The 3rd party & insurance company accepted 100% liability. She made a claim for personal injury due to neck pain/whiplash through Irwin Mitchell. In July 2018, an approximate settlement was made to the value of £3000 odd. My friend received £2700 and the rest was taken in fees by IM. On Saturday she received a letter from IM with a copy of court documents headed 'EUI Ltd v ********' - the papers state that they are not disputing liability but they are disputing the amo
  4. Hi, I have received a letter from Lantern requesting payment for loans I took out years ago. The loans do not appear on my credit file and have not been on my credit file for at least the last two to three years. I think I defaulted on most of them six years ago that's why they are not on my credit record. Lantern have called me on my work mobile number once recently, ( within the last two weeks) and I refused to answer security questions because I was not sure who I was speaking to. But they did say they where formerly MMF. I do not wish to engage with Lantern, what s
  5. 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
  6. I know someone who has been trying to claim compensation for a injury that occured in July 2015. The solicitors and company are taking so long to complete the claim. The result of the injury is bad enough requiring daily medication and walking issues, which no one really understands apart from you has had it before. Major distress in making appointments and contacting the solicitor has happen over the past 3 years can you be compensated for it either through making a complaint against your solicitor or other bodies?
  7. The same thing has happened to me to. I owe £20k. But never agreed to my credit limit being increased and staff purchasing without my authority. It wasn’t even pointed out I was signing a PA. I stupidly thought I was signing on behalf of my Ltd company. They are threatening personal bankruptcy. Even though I have 0 equity in my house. They are bullies. They had me tears on the phone. They are rude, aggressive, threatening and do not support small businesses in any way. I spent a fortune with them over the years and they end up treating me like I want to be in this position, it’s my fault
  8. 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
  9. Hi, I have debt with a few different companies amounting to around £19k as a result of my company becoming unable to manage our cash flow. (We were bought down by several of our clients not able to pay us now the inland revenue are winding the company up.) The above aside I would like some advice on what I can do to manage the debt that I have built up trying to support the company which is as follows: Current account: - £2,600 over-dawn - overdraft limit is £3k Credit card 1 - £2,540 - limit is £3k Credit card 2 - £3,145 - 0% interest card for 18 months Credit card 3
  10. For anyone that might be interested a simple online process to obtain data they hold on you . https://www.gov.uk/guidance/request-your-personal-information-from-the-department-for-work-and-pensions
  11. Hello all. Been a while. Had the letter from Apex to say they have "purchased (my) account with all rights ...". Included in the envelope was a bw letter supposed to be from Egg saying it was "notice of the assignment of the debt due to us ..." First thing should I start this thread here as I live in Scotland - or start one on another of the more general debt or DCA forums? Other thing is just to start by saying I'd an Egg Loan and an Egg credit card. CCAs sent for both well over a year ago. Got nothing for ages then two copies of a muliple page computer printout relating to the loan
  12. Hi guys, I have been ignoring letters for several months now but finally now time to sort this out. personal loan around 6k / 17k (2 loans) and 2k credit card. I have started to get moorcroft letters as well. Just tried calling the bank but they are experiencing high call volumes and was going to be min 30 minute wait. no thanks I am planning to call them again tomorrow morning but I was not planning on contacting moorcroft. I want to only deal with lloyds. I can sort a payment plan out its not going to be much as I am not working at the moment although starting a bus
  13. Hi all I am new the CAG i would just like to see if anyone could help or give me the best advice on bankruptcy on a personal agreement my partner and i are directors of a LTD company The LTD company had a debt with a supplier (not sure if i can post their name ) the debt was 11938.71 in March this year they sent us a statutory demand / winding up petition which we did not want to happen as thats our monthly income so if they wound the company up me and my partner would have no income to pay the debt off we agreed with their solicitors a payment plan of £500
  14. I had an accident at a VERY slow speed (about 5mph) in my local petrol station. I was reversing into a petrol pump place, and a black taxi drove forward into me. No damage to either vehicle, but the cab driver is claiming personal injury. This smells to me, and I think he's a fraudster. my insurance co say it's my fault - I would argue it's 50/50 as he should have seen my reversing lights and stopped moving forward. I exchanged numbers with the driver he only told me it wasn't his cab, but he was a friend of the owner of it. He gave me his name, but i didn't get ID fr
  15. Hi all, Santander have made an offer based only on the PPI amount and associated interest and no interest because... 'On a rolling line of credit account 8% out of pocket interest is only applied if the loan would have had a credit balance had the PPI not been included. ... This is in line with the requirements of the FOS and FCA' I believe this to be complete nonsense: I take a restitution approach with unjust enrichment. Had I had the PPI amount then I could have invested it and gained at least 8% interest. Has anyone challenged this and been succesful? Do you agree wit
  16. Dear all, I mistakenly filled in a credit application for Screwfix in 2013 for a trade account (for a company I used to work at). This company has recently gone into administration and I have been sought after to settle the outstanding amount (nearly £1000) - as apparently the credit application doubled up as a "personal guarantee". Their credit app was not clear to me & it was blurred out and photocopied on a number of occasions. (yes I know I shouldn't have signed something I couldn't read) In addition I resigned and left the company in 2014. How can two different legal
  17. Hiya! Im hoping to get some advice for my partner on an ongoing work issue. My partner works for a company where it relies heavily on contact with customers. This company has always said that because people now a days have a mobile phone plan that includes unlimited minuites and texts they dont see why they should supply a mobile phone or contribute to the bill. This company give every customer my partners personal phone number to contact him on. My partner now has had his phone temporarily cut off ( this is due to having to make a call to India for work purposes which they have not
  18. TODDLE2U ; are you still active on this forum and can you assist me with a pernsoal guarantee which has now been called upon from Travis Perkins. A lot of what's been said is similar to my situation. Credit application forms were signed in 2014, and like other we didn't know what we were signing for and a quick signature was given after form completed by office staff. There is no mention to seek independent legal advice on the form, should this be stated clearly?
  19. Dear All, I’m looking for some advice please. Some time ago I had a road traffic accident. When cycling a car cut me off. I didn’t have a chance to break and hit the car, went through my handle bars and hit the ground. The driver drove off from the accident scene but the registration plates were known to the Police because one of the witnesses took photo of that car. I had many injuries and was taken to hospital. After sometime Police sent me a letter and informed me that ..."the driver of the other vehicle registration number XXXXXXX was unable to be traced"...
  20. In Oct 2009, my ex-husband signed a personal guarantee to cover an existing business overdraft of £140k for the right to borrow £60k more from NatWest which the bank knew was due to pay credit card demands. The overdraft was totally unsecured before that. His business had clearly been failing for some time and they pressurised him to secure their previously unsecured lending. It was an extremely stupid decision on his part but we now know that he was succumbing to mental illness, from which he has never recovered. He broke down at the signing of the PG and was clearly in no fit state to m
  21. Santander Default Short story first – I had a financial Problems due to Gambling , pay day loans etc… I sorted everything having help from the Forum here sending complains and going with some of them for Monthly repayments plans. I have arranged all payment arrangements myself, and done all negotiating myself also. I have a Loan with Santander and from October my Monthly payments were not any more affordable for me I called Santander and we agreed minimum payments each Month of £20.00 where I was paid anyway usually £100.00 or even more. I never missed anything what
  22. Hi, i have a rather serious issue regarding a PG that was falsely signed and witnessed. I have received a stat demand regarding the debt. Do I have a hope in fighting this on those grounds, or is it very difficult to prove and fight?
  23. Hi there, I would like to get some advises regarding Vodafone had shared my personal information regarding (full name, address, DOB, email address) Undeniable, once a contract has been formed in between Vodafone, if without monthly payment, Vodafone will pass the information and shared with Debt Collection Agency because Vodafone appointed DCA to collect the debt on behalf. Vodafone claimed that, that clause was in the contract. (Thats what I have been told by Vodafone after the incident.) However, I do not owe Vodafone any money nor any outstanding amount, however, my account
  24. Hi, My 9yo son was injured on holiday and my travel insurer wants to use a solicitor for the personal injury claim that happens to be part of a group which also collects debt and I have had some dealings with. Can anybody tell me, if this solicitor secures compensation for my son's injury, if the company can then retain it against my debts? Many thanks in advance! rune
  25. Hi, I was a victim of identity fraud in around June 2012. "Someone at the time took out loans in my name with quick quid and lending stream". It was a lot of hassle at the time ( I went through the police action fraud, recived a crime number and after a month or so I signed a couple of letters from both companies and the matter was cleaned up. I also opted at that time to put extra restrictions on anyone else trying to fraudulently take out any more loans in my name. "Let me just say that I have never ever applied or taken out any loan in my life other that a mortgage for ou
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