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About Me


Found 9 results

  1. Hello Back in June 2017 we had a letter stating due to income (loads of overtime) we had been overpaid tax credits and payments would stop. In August another letter stating that overpayments of £2800 had been received but a final decision would be made. Final decision made and we are now facing a demand for this amount. I have checked through our finances and this seems correct, they want all of 2016 -17 back and the few months of this years. I have read through many of the threads about this and the advice is generally not to phone them, in this case I guess it's ok jus
  2. Hi, I have 2 loans with welcome. 1 was for a car where I was well ripped off, and the other for a cash loan. There is no HP. My cash loan was for 2000 and is a fixed sum loan agreement. and to date I have paid back £3839.63. Aktiv kapital want £450.85. The total amount payable on my credit agreement is £3950.64. I CCA them a few weeks ago and got my original document. Never knew I was paying that much. also got a copy of all payments made since stay of loan in Sept 2007. Interest was added monthly until 05/05/2010 when went to step change. Then frozen.
  3. Hi all, Just a bit of advice required my mother is getting letters and calls, most recent from PRA over my sons debt but he has not lived in the UK for over 2 years and lives in Riga, she has ignored the calls and returned the letters back to the collectors but some are failing to stop harrasing her. Even his credit report shows his address in Riga but they are still bugging a 75 year old woman who has none of the debts to her name. Any advice greatly appreciated
  4. Hi I'm not sure if I am posting in the wrong area so I'm very sorry if I have! I applied for a payday loan last night with Peachy loans. I was declined (I'm actually glad of this now) but as the page was loading it advised if I was declined it would send my info to another loan company. It didn't give me the option to stop that happening. it redirected me to Mr Lender website but I didn't want a loan from them so just closed the page. Within 10 minutes I had 3 emails and 2/3 texts from Mr Lender saying please come back and sign a credit agre
  5. Hi I was on leave from work for a couple of week and have returned to be told by my colleagues that "a company called red castle keep phoning every day for you, they said you will know what it is about" I got the feeling that they know what red castle are and I feel quite embarassed about it. I don't know how they got my work number or do I have a clue what this debt is about because I have had zero written communication from them at all and and just one text message earlier this week saying "this is an important message for ----------. Please call red castle today on 0844894950
  6. Hi Everyone, Just a quick query, I have sorted out my debts thanks to the amazing advice from this forum. One of these, Capquest has been in dispute for over 18 months, and have been quiet since. Now on Saturday, I got a phone call from them on my work phone (which is a shop), how they got hold of this number which no DCA's have I don't know but refused to go through security with them and told them it was an offence to ring a work number. If they ring back, i wanted to know what I can threaten them with, is it OFT? IF they persist I will send a letter but I want to quote
  7. Hi all, Just a quick one, I am not ready to pay JBW yet and am talking to citizens advice (ill ask them this question too) but they are phoning my employer! Surely this is a breach of the DPA in some way? I dont need people here answering those calls knowing I am being chased by a bailiff. What can I do? Also, can they clamp my can in the work car park? It's private land so wanted to ask just in case. They are chasing for unpaid parking fines. Thanks in advance
  8. Hi. I had a roasting at work yesterday from my boss. Mackenzie hall have been phoning the office and I am not allowed calls at work. I have written to them to tell them that I'm not allowed calls and still they insist on phoning. I am in the process of getting a complaint off to the OFT, however, yesterday I found out that they actually left the reference number that relates to my account with someone in the office. I just would like to know if they have breached the Data Protection Act as well as OFT guidelines. Thank you! Paul.
  9. Hi I have been getting phone calls daily for the last 2 weeks from cabot yesterday they called me 5 times between the space of 4 hours! I have answered once and said writing only but they are continuing to call! I haven't had any letters from them so have no idea what it is concerning! I have checked both call credit and experian but can't see anything from cabot! I don't have a call blocking service on my mobile to block them So I just cut them off!! How can I find out what it is concerning without actually engaging in a conversation with them? W
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