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Found 21 results

  1. 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
  2. Hi I had a debt with Barclaycard in 2004/05 for £476 and then facing financial trouble, I have an IVA in 2007/08 which failed because of emigrating to Australia for 4 years. Since 2006/07, I had no contacts with any financial companies and didn't pay any money to anyone, other than GE. I have come back to UK and since then paid off GE. But, I have no communications from any financial companies. I checked my credit history and there was nothing showing from any financial debts from 2006/07. I did get in touch with Barclays but that was for a PPI claim which they paid up. I
  3. Hello All I have a Welcome Finance CCA which for one reason or another has been bought by MKRR. I CCA'd them last September, and they have sent me a copy of the front page of the agreement with no T&Cs, but the thing that is puzzling me is the figures stated on the agreement. They are as follows: Total amount of credit = 2945.43 Payment over 65 months APR = 20.80% AIR = 19.6% Total charge for credit = 1805.93 Monthly Payment = 73.07 Made up of Acceptance fee = 75.00 Interest Charge = 1728.93 All well and good, and I am no accountant, but I have work this out
  4. My wife received a letter today from lantern saying they have been trying to contact her. It says she owes £722.91 but doesn't say who to, it simply has an account number. She has no idea who the debt is with and nothing is on her credit file. They are saying unless she pays up in 7 days they are referring her to resolvecall. How should we deal with this?
  5. Back in January 2017 I switched banks. Everything seemed to transfer over with no issue until July 2017 when I received a letter from Kwik Fit Insurance Services saying I owed them £107 for a home contents insurance policy. On checking my direct debit list I discovered that no payment had been taken for the direct debit. I had two direct debits with Kwik Fit insurance at the time, one for car insurance the other for contents. I rang the bank who confirmed that Kwik Fit had never applied for the payments to be withdrawn from my account. I sent a recorded delivery
  6. Hi, I have been receiving letters from Cabot regarding an old Mint credit card debt which I defaulted on in 2010, I made payments on this to Oct 2013 through a DMP with CCCS/Stepchange but unfortunately was made redundant and was unable to continue with my DMP. I am not sure at what stage Cabot got involved but I have not had any contact with the directly, their letters have included various discount options for payment. Today I received a letter from them saying as they have been unable to contact me they are instructing ResolveCall to visit to put me back in contact with them
  7. Hi folks, hope someone can give me some advice please. I missed a month's direct debit for my electricity supply from edf; they cancelled the direct debit and gradually I fell behind. I used their online chat application and 'spoke' to an operative - I said that as I'm paid weekly I'd be able to repay the outstanding amount at £25 per week, ie £100 every four weeks. The lady said I had to pay by direct debit, £100 a month I said I'd rather pay weekly and she said that she would note that on my account. I set up a standing order and have paid £25 every Friday
  8. Hi guys, It's been a while but things are starting to affect my day to day living once again... Here is the background. October 2007 I purchased a laptop from PC World under HFC agreement. July 2013 HFC transferred an account to HSBC Bank plc. In October 2013 this account then got sold to IDEM Servicing. During this time I was in a fee charging DMP paying various debts off, but I killed them off to attempt my own free repayment arrangement, but due to various reasons, I struggled and put it to one side. On 6th January 2014 IDEM served me with a default
  9. A few weeks ago a bloke knocked holy hell out of my front door. Wondering what the matter was I went and answered. He started ranting on about something, I only caught part of it. Then I saw his jacket, the word Scotcall caught my eye and I saw red. I told him to go away and shut the door. I am registered disabled with COPD, a condition made worse when exposed to cold air, so there was no way I was going to stand at the door arguing the toss with him. It was a very cold day. I have clear 'no cold caller' signs on the door, including one issued by the Police
  10. Hi Everyone Hopefully someone can help with this. Last week I had a card pushed through the letter box from Scotcall saying it was a first visit and that I had to call a number etc. No more info on the card stating what it was about. I called the number to find out what it was about and was asked a heap of personal/security questions. The call went round in circles as I would not confirm my details so they could not tell me anything. I told them to put the matter in a letter so I could consider it. I heard nothing via letter. Anyway since then Mr Scotcall has visited my house no less
  11. Intro info-threads have been merged to give background to the issues. Basically its only £230 but its the principle + need a new van so this would really come in handy towards that. Wrote asking for the money back they declined, wrote again threatening court again a big fat no and a copy of the ombudsman book. They state that complaint has now been closed. Should I now put in a claim with the small claims online or is there a way of encouraging them to pay otherwise? I gather egg dont tend to do refunds. All are £16 standard default charges, dont know if this makes a differen
  12. Hi everyone, Fantastic forum with lots of great advice. I have been researching things relevant to my situation but I think the best thing would be to post my queries and hope that some of you can help me clear things up. I am beside myself with worry, and I'm constantly feeling down and really don't see how I can get a proper life back. I fell into arrears with a vanquis credit card when I fell into money troubles through my business not doing very well for a few months. I did contact vanquis to explain my situation and request that they froze any charges / interest
  13. In 2002 I took out a loan with Lombard direct. This was over a period of 5 years and included PPI, which I am now trying to claim back as mis-sold. However I defaulted on repayments when I lost my job and eventually this was passed to a collection agency. I have been paying Intrum Justitia every month for several years and in February this year I had a letter offering a settlement figure, which was far too high and I couldn't afford it. I then decided to ask for a copy of my credit agreement and sent the letter as advised on this forum. this was on 1st March. They replied on 11th March
  14. Hi Really new to this site, i have an urgent query. resolvecall attended our home today, nobody was home. THey have entered the house put gas/electric meters in (due to an unpaid disputed bill)and changed the locks. There is no one at the property and i have no way of getting in the house with my 3 children.... Is this ok? is this legal? help!!!!!!
  15. hi guys, Just went up to my mum's to collect some post and found two letters. One from a company called Mercers dated the 14th February demanding that I pay them a sum of money to cover apparent outstanding payments on my Barclaycard account. Now, I've had issues paying my balance, and they've been reducing my credit as I've been paying, but I have been paying. I can't see anything on my account on their website to suggest I'm in more arrears than I should be. I also received a letter from a company called Resolvecall with a different amount in arrears. I don't kn
  16. Hi all, first post here. To cut a long story short, I had a loan from a large UK bank for £20k in 2005, I paid off £5k and was then made redundant. I informed the bank that I could only pay a token amount each month and their response was to add £10k of "reasonable charges" to the debt and sell it on to another company. I then found a job and took out an IVA which I paid for 2 years but was made redundant once more and couldn't keep up the payments on it. I defaulted on the original loan 7 years ago, but stopped paying on the IVA 4 years ago. I have not
  17. RE: Outstanding credit card debt with vanquis bank Hi I recieved a letter from resolve call saying that if I did not contact their client Vanquis bank within 3 days they will send someone round to my house to discuss repayment offers. I phoned them up today and said that I have sent a letter to Vanquis bank today as I do not want to negotiate over the phone with them. I also said to them that I do not invite anyone from their company to my home to discuss this and if anyone does come around I will phone the police for trespassing. The women got very annoyed and said that as I ha
  18. Hi, could someone help me with the next letter to send, i had a visit from resolvecall last week, my partner answered the door and confirmed i lived here!! he was caught off guard! anyway i sent the doorstop letter and got this back today, the creditor is arrow global, resolvecall came to do the doorstop, but return letter is from scotcall, assume they same company?? i think the debt is from a catalogue from a couple of years ago, cant remember last time i paid but at least 12 months ago, and money has been very tight since. this is letter i had today ::Resolvecall informs me that as pa
  19. Hi, I'm after some advice for my father-in-law. He has recently had a visit from Resolvecall but he wasnt in at the time so they left a card saying this was their first visit and to call the office before 8pm. It is regarding a credit card debt with Barclays from about 5 yrs ago. Basically he was made redundant and due to ill health couldnt get another job, had to sell their house and are now renting. They struggle to make ends meet as it is so there's no chance of him being able to afford any repayments. He has had letters over the yrs but has ignored them and this is the first time he has ha
  20. Hi all, This is my first post and am looking for a bit of advice. I have 2 Natwest credit cards and a natwest loan, The two cards are approx £1300 each on them and the loan is approx £9.5k remaining, I have not been able to make the last few payments to natwest on all 3 of these due to a downgrade in job/pay at work. I spoke to natwest about this BEFORE i missed any payments to let them know that in the coming months i would probably be having difficulty meeting payments, I have now missed serveral payments (approx 4) on both the cards and the loan. Today have recieved let
  21. Ok guys firstly i am a new Cagger and what a relief to find this site as it has empowered me somewhat into, at least, not feeling alone with Debt. I shall post soon regarding my actual debts and break them down in order to keep the correct thread format later. This question is regarding letters threatening Home door visits. I have read previous threads regarding resolvecall etc and how they have no rights and you can tell them to leave and i have no problem either ignoring their door rings or telling them to F**k Off but the problem is that due to circumstances i find myself stayi
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