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About Me


  1. I recently fell behind in my car payments to Santander i got a phone call from lanarkshire car recoveries demanding full payment, i have gotten into serious trouble recently and couldn't afford it the only option they gave me was to pay 540 per month for the next 6 months, this is absolutely crippling me and i have already had to sell many possessions to meet this. My concern is i have not had a letter from this company, just a phone call threatening to take the car if i don't pay and they just phone me every 4 weeks to make a card payment, no acknowledgement i
  2. This evening received the following email: Good Afternoon Mr xxxxxxxxxxx , Re. Agreement xxxxxxxx Outstanding balance: £509.20 Outstanding arrears: £25.46 We need to speak with you in relation to the above agreement you hold with PRA Group (formerly All In One Finance). If we could please ask that you contact our office on 0344 245 xxxx at your earliest convenience. Alternatively, please advise of a suitable time so we can give you a call. Regards, xxxxx xxxxx Robertson |Resolution Recoveries |Simpso
  3. Hi, I have a strange question, and hope someone familiar with debt collection procedures / DPA 1998 are able to assist. I am disabled, living with elderly parents. My father has never been in debt, and would absolutely freak out of he knew I still owed Tesco Bank a considerable amount of money. I am in comms with them regarding token payment on debt, its been over 10 years of intermittent token payments, DCAs etc but recently I keep receiving letters from their recoveries department but with the fact it is the recoveries department clearly showing on the front of the envelope.
  4. Hi All, Yesterday whilst I was out at work, I had a surprise visit from a bailiff who handed over a letter to my boyfriend stating that if I don't complete the means form & return it, I could be sent to prison. This came totally out of the blue to me as I haven't had any court order letters & I was confused about where this had come from or what it was related to. Quoted on the letter was Phoenix recoveries which also means nothing to me, I have had no correspondence from this company I called the bailiff and all he could tell me is that it was from a debt in 20
  5. Hi All, I'm new here and after reading so many helpful posts I was hoping someone could help me. I have received claim forms and wondering what to do next, please find the information I have completed below as I have filled out the questions asked: Name of the Claimant ? 1st Stop Recoveries Date of issue – 11th Feb 16 What is the claim for – 1.1st Stop Recoveries Ltd claim this amount in respect of an unpaid loan funded by Uncle Buck Ltd. The defendant failed to abide by the terms of the contract. 1st Stop Recoveries purchased this debt from Un
  6. Hi, I need some advice please. I have just returned from holiday to find a CCJ waiting for me for an old loan I had with Cash4UNow about 2 years ago. The Judgement states '1st stop recoveries claim this amount in respect of an unpaid loan funded by Nova Loans. The defendant failed to abide by the terms of the contract. Ist stop recoveries purchased this debt from Nova Loans and subsequently sent a notice of assignment to the defendant to advise. The defendant has failed to respond to any correspondence or communication from the claimant thus denying the claimant any oppo
  7. Hi Guys I am in the same situation as you Bailey, so sorry to admit this folks but got in a bad situation with Uncle Bucks in late 2014 culminating in one I could not pay and 1st Stop Recoveries have also now sent me a Court Claim which I am also defending. I have sent CPR and CCA requests and will defend this plus submitting a claim to Uncle bucks regarding the facts that they did not carry out full affordability or credit checks.also allowed me 5 loans over 5 months. When I rang them in month 4 to try and decrease the payments, they suggested I just repay the loan and take another one
  8. Just after a little bit of advice please. Please excuse any spellings mistakes etc as I am so mad as I type right not At the beginning of this year we took a car on finance, we made several payments and then found that we were struggling to keep up payments but we always caught them up. In June we moved house (notified the finance company) and then from then we completely missed a payment. One payment turned into 2 and we had a visit (at our new house) from a gentleman from "the car finance company", a payment arrangement was put in place but we missed it. I c
  9. I had a letter this morning from a company calling itself MKPD. They claim in the letter that They say the debt is for £1,848.88p, but I have no knowledge of this debt. I am also suspicious as they say it was passed to them in December 2011, so why wait until know to write to me? Any advice as what to do would be gratefully appreciated. Thanks!
  10. Hi all What do I send next to Bcard - if anything? CCA requested for very old MSDW card. Received usual reconstituted application form. Dodgy DN issued by Mercers. A/c in dispute letter sent to Bcard + holding them responsible for Mercers harassment. Letter and doorstep visit (told to Foxtrot Oscar) from Resolvecall but no confirmation from either Mercers or Bcard that they are who they say they are. Today: 2 statements from Bcard. 1. Mercers are now dealing with your account...' 2. '...your card has been withdrawn. 3. 'Your card has now been cancel
  11. Had a phone call from .......... saying that you can now reclaim your monthly payments paid to banks for packaged accounts such as Barclays Additions where the benefits were not fully explained.. No win, no fee but wanted 37% of any successful although were very happy to negotiate this fee... Is this the next big reclaim opportunity or bulls**t.
  12. Hi All, I received a missed call and a text today from this company telling me to call back quoting "xxxxxx" reference number. What do i do? Is there a way I can find out what the debt is for without phoning? As I dont want to get harassed by these! Thanks Mark
  13. Hi I have two old credit card accounts with MBNA which have been sold to Arrow Global . I had no joy from Arrow with a CCA request for both account so i did a SAR to MBNA. Neither account had PPI but both will have incurred charges along the way . In the SAR pack i can see no documentation for the transfer or sale of the account to Arrow. Must this be in the pack for Arrow to chase me for the debt . As they are old accounts 2001 and 2004 i have included the CCA in the SAR pack for anyone able to quantify them . I currently pay both accounts £1pcm still to MBNA for the
  14. My partner and I were repossessed by Capstone nearly 3 years ago. We havent heard a dicky bird from them but we also had to get a secured loan with the mortgage which was from Welcome Finance. This has now been passed on to Mackenzie Hall my partner keeps getting the odd letter asking if he lives at the address we are now residing at. He is now saying that we are going to be getting baillifs coming to the door can i just ask this isnt correct is it as this loan is now not secured tried to explain this to him but he is frightened we are going to lose this property cant get through to him.
  15. We have an unsecured loan with NRAM, which was part of a together mortgage. Our fixed term came to an end just as the recession hit and they would not/could not offer us a new mortgage. This of course meant we needed to remortgage and the interest rate on our loan soared to 12.79%. During this time we accrued arrears on the loan. Around 2 years ago, I agreed a new payment arrangement with their arrears department (a chap named Les who was a senior payment advisor). The minimum payment required was £320 on the initial sum borrowed, but as we had arrears I agreed a repayment of £380 p
  16. Hi All, I'm new here and looking for some advice. My Mrs recently started getting calls and letters from 'Asset Recoveries UK Ltd'... . She's ignored all so far but today they stepped things up a bit by stating where the debt was from and why she was due to pay it. back in 1991, her and her ex boyfriend had a house with a joint mortgage. They split up and she 'thought' she had signed the house over to him. A few months later the house was repossessed and sold. She does not remember receiving any correspondence from the mortgage provider (Citibank) about any
  17. Several years ago I lost my job and therefore couldn't make the minimum payment on my credit card. I rang BC to explain and they were reasonably helpful at first. They told me they could lower the payment, which I still couldn't afford, but told me that was the least they could take. I later found out this was rubbish and rang back to make token payments to show I wasn't trying to ignore/avoid it but just couldn't pay at this time. they quickly added charges to my account and continued to add interest despite me pleading to them to freeze the account as I had long
  18. 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
  19. Hi, first time posting, hoping to get some help. Back in 2008 I took out a CC from HSBC, spent a few thousand and soon after defaulted due to redundancy. I think I made 3 payments in total. HSBC chased this debt for maybe a year, but I explained I had zero money and ignored them. The last I heard anything about this debt was some time in 2009. After 3 years of silence I thought I'd been pretty lucky, I was employed for that 3 year period but no one seemed to be chasing me for this money at all. Around March this year HSBC wrote to me to advise the debt had been passed to MKDP, who a
  20. Hello, first time poster so thanks in advance for any assistance. I'm looking for some advice on a couple of letters I have recently received from MK Rapid Recoveries. I had no idea who they were at the time but I recognised the account details they were referencing though I have never had any correspondence from them previously. It was from a Welcome Finance loan of £1500 (now £2171.35) I took out in March 2006. I, and my partner, were both put out of work in the summer of 2006 and as such all of our debts defaulted in some way at this time. We pretty much sold eve
  21. Hi guys, please bare with me as I am new to the forum, I have read numerous posts about these Idiots, I do apologise if I am posting this in the wrong place...anyway here goes... On 8th June 2013 I received a letter from BCW group/Red Castle Recoveries/ Gothia. Letter stating "We have written to you previously in regards to your outstanding loan with Motonovo finance, which despite numerous attempts to resolve with you the above balance remains unpaid." They then go on to tell me how lucky I am and that this is a great window of opportunity for me to write off the
  22. I'm continually getting calls from the phone number 03333 440629, can be three or four times a day, for a few days, then nothing for a couple of weeks, and then it starts again. I don't answer numbers that I don't recognise, I let them ring out and google them. This number appears to belong to MKRR. They've also used 01452 260079 just recently, after I mistakingly pressed re-dial. However, I've not (knowingly) spoken to them, and they have not contacted me by post - they mustn't have my current address - is there anyway I can get them to cease calling? Or in doing s
  23. Hi, everyone, my case started in 2006 when i remortgaged with gmac. I had a well paid job and all was fine. Shortly after this i was made redundant and had to take a much lesser paid job. I also had a secured loan with gmac. I admit i buried my head in the sand trying to keep the family together but i knew that the inevitable would come one day. In nov 2010 i decided to hand back the keys to the property as all my children were up and gone and i knew the time had arrived. While all this was going on,gmac had handed over to paratus.
  24. Hi guys wonder if you can help me with this. I had an account with HSBC which I haven't used for several years. The account was in the red, but this was made up of charges which I was disputing. Along the way I lost track, and forgot about it for a while. For the past few weeks MKRR have been sending me increasingly threatening letters about payment. I sent them the 'prove it' letter and they sent back some printouts of statements and said the matter was closed. The statements show the charges dating back to 2005 and going until 2008. The amount they are claiming is roughly equa
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