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  1. Hi all , it is my first time ever discovering forums like these in my life. I'm Matt I'm a 26 year old male and to cut a long sob story short i have been ignoring various debts for years as they always used to get passed from pillar to post so i'm not entirely sure which company owns which debt etc. Following a bereavement in 2012 my life spiraled downwards into chaos , i drank a lot of alcohol every day for a long time i lost my home ,my job , my friends and just about everything you can imagine. I used various payday loans to pay for my drinking once i had lost my job and i tr
  2. Today I received a Claim Form for an old Bank Of Scotland Credit Card debt that had been passed on to IDEM Securities Limited. I had been sending regular monthly payments to Idem via Standing Order, last payment sent was January 2016. I had sent a signed for CCA Request on 28 December 2015 to IDEM SERVICING. The reply to my CCA request was: IDEM acknowledged they were unable to supply a copy and acknowledged until they could do so the agreement cannot be enforced. in March 2016 they wrote again saying they have now received a copy from LLOYDS BANKING GROUP and enclos
  3. Hi, I have been working through sorting out my credit file and I have come across a default posted by Active Securities. Now, I didn't even know who this was so googled it and it appears it is 247moneybox. The default was posted in November 2011. I have only recently been checking my credit report - to be honest I was too fearful of how terrible it would be. I have checked through all my emails from around the time of the default and letters that I have kept related to my debts but I have not found anything at all that tells me of a default nor of this bein
  4. Hi all I've received a rather threatening letter from Restons Solicitors, I'm hoping you can assist me with my problem. Resotns solicitors been instructed by their Client Hillesden securities limited. I have received an n30 Judgement for claimant Resotns solicitors been. I believe it relates to a car finance agreement I had with Black Horse back in 2000 the Car price was £12000 to be paid over a period of 48 month. After few month later in year 2000 due to financial problem I wasn’t able to keep my payment of the monthly instalment to Black Horse. Black Horse dec
  5. Hi, My secured loan from Black Horse is now with Idem Securities. They are being very fair with their acceptance of our situation but insist on regular reviews. It was a secured loan. They are 3rd charge. I am wondering what legal rights they have 'inherited' IF ANY? However, when we tried many years ago to take out a secured loan they wouldn't touch us as the mortgage we have has a draw down facility on it. Also every now and again we get a month or two arrears on mortgage. The secured loan people never chased us. I was expecting them to try and see
  6. Hi, I've received some letters from Hillesden Securities informing me that they have applied to the courts in regards to a CCJ regarding a debt from 2004. I stopped paying as I couldn't afford it but and was on a debt management plan at the time the debt had been passed around various companies before Hillesden took it on, as I do not have any paper work relating to this debt I'm about to write a letter requesting details of the agreement as I heard I maybe able to contest them if they've not contacted me in what I believe to be around 6 years, if I do th
  7. Hi, and apologies if I've filed this in the wrong section - sleep deprived trying to research how to respond to the above. The particulars of the claim are: The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Black Horse Ltd dated on or about Apr 30 2008 and assigned to the claimant. PARTICULARS a/c no xxxxxxxxx DATE ITEM VALUE 10/11/2015 Default Balance 7xxx.xx Post Refri Cr NIL TOTAL 7xxx.xx Issued on 02 Dec and I've co
  8. Hello all, I would appreciate any advice on this. We had a loan with black horse taken back in 2008, due to financial difficulties we stopped paying our agreed monthly payment and went for reduced payment plan initially with BlackHorse. After about 12 months the debt has been assigned to Ascent whom we were paying the same amount agreed with BlackHorse. Couple of weeks ago we have received letter from Hilsden Securities trading as DLC informing us that BlackHorse has sold debt to them and they are now our data controller. However the amount Hilsd
  9. Wow... Cabot are becoming a debt powerhouse... The extract is from CreditToday's article of 4th June.
  10. Hi After checking my Noddle report I have a default entry in 2014 from this company I have had no correspondence at all from them before this date or since I was in financial trouble a few years ago and the ONLY debt this can refer to was registered as a default in 2007 by the original lender (who I have had no contact with since 2005 ) As my credit file was marked with a default on this from 2005-2011 can a DCA re-register a delinquient debt they have purchased after this amount of time as a default presumably on the date they purchased it meani
  11. Hi All, I first received court papers from Aplins on behalf of Hillesden Securities dated 6th August Read alot on here and sent CPR request to Aplins Solicitors, immediate response saying they were in touch with their client and would agree to an extension of 28days. Acknowledged online on 18th August Sent CPR15.5 letter to court with copy of Aplins letter. No response so phoned court and advised to enter defence. Defence entered and accepted on 11th September, was a couple of days late but they accepted. Not heard anything since from anyone.
  12. Sorry to have to use a 'reply' thread but I couldn't see how to start a 'new' topic. I have used the forums previously and have had great success. My wife bought a new car on HP in 2007. Unfortunately, we went through difficult times in 2008 and she defaulted with 'Black Horse'. The car was repossessed. sold and my wife was issued with an invoice for £12k. This was the 'defecit' that Black Horse say they lost. My wife has paid every month towards this debt. The debt has been sold on and sold on again. On 30th December 2014, I ch
  13. Hi All Hope you can give me a piece of advice. Took a loan out with Yes Car Credit in Sep 2004 made repayments of over £10k over 3 years got into difficulties. Owe £3904 now. DLC did make me an offer in 2009 to close the account for £904. Hillesden Securities are reporting on my credit file default date 03/09/2008 but I believe I received a default notice in Sep 2007 from DAF. Last payment/contact with Direct Auto Finance 08/05/2008 Could someone tell me when the debt becomes statute barred and when it will drop off my Credit report. I have
  14. HI. Hope someone can help me here, or point me in the right direction. I had a loan with Black Horse that unfortunately, due to redundancy and not being paid from another job (long story about taking a job offer from someone i knew), I ended up defaulting on it. Eventually went to CCJ (stupid didnt fill in the forms in time ) back in 2009. June. I am not disupting the fact i owed the money. At first the Blackhorse, i was in an agreement, which i was paying a small amount per month, but they also got a charging order against my house (which is in negative
  15. http://www.dnaindia.com/money/1905975/report-jp-morgan-set-for-13-billion-dollar-fine-over-risky-mortgage-backed-securities
  16. HELLO ALL, TWO OF MY DEBTS (FROM CITI AND EGG) WERE BOUGHT BY DLC. I TOOK ADVANTAGE OF THEIR 90% DISCOUNT ON CITI DEBT AND SETTLED ACCORDINGLY. WHILE THE EGG ONE IS STILL UNDUE, THEY MADE ME AN OFFER OF 75% ON EGG BUT I DO NOT HAVE THAT MONEY SO I AM STILL PAYING THEM £1 PER MONTH. I STARTED DEFAULTING ON THEM IN 2006. I AM NOT SURE WHETHER I ASKED for a CCA file or not but all of their correspondence mention the original creditor name. So far I have been advised by DX to send them a CRA file. Which I shall do as soon as my printer is fixed. A new development is that none of
  17. Hi All, I'm looking for some urgent help - sorry to join the forum and jump on and cry out for help! I had a credit card account approximatley 8 years ago with MBNA - I spent a lot on it whilst unemployed and to keep my home, I kept up reasonably well with the payments until I was contacted 4 years ago by a company called Beneficial claims who said they could review my account to see if I had any PPI or if the agreement was unenforcable - they advised me not to continue paying MBNA as it was indeed unenforcable due to the credit agreement they had with me. At the t
  18. Hi all, I know this was stupid but 3months ago I took out a payday loan with 247 moneybox / Active Securities. I wasnt able to pay this back due to being ill and not being able to work for 2 weeks. I took out a loan amount of 100.00 plus interest. I have managed to make 2 payments totaling 73-08 They have recently sent me a letter asking me to pay the remaining balance in full of 141.62!!!! I have twice asked them for a breakdown of charges and they have completely ignored me! Surely this cant be right? a loan amount of 100.00 and total debt of 214.70?? Tha
  19. I've been getting letters (demands) from Hillesden Securities in respect of a debt that I have no knowledge of, because they don't tell you who the 'original' debtor is. Then I start getting letters from Direct Legal & Collections. The last one was dated 22 April 2013. Then, within a month, there was this from Aplins Solicitors.... Now, I've been a stupid 'head in the sand' person, but is it too late to send a CCA letter, and request a copy of paperwork bearing my signature? If they've got it, it may actually shed some light on what debt this is. But I do
  20. Hello, This is my first post so any advice would be very welcome. I was made redundant back in 2009 from a 10 + year job and started struggling to keep up with my credit card from Virgin money.The last statement or contact from Virgin was july 09 I then received a letter dated 29 Aug 2009 from a company called DLC telling me that my debt has now been assigned to Hillesden securities trading as DLC and that MBNA no longer own my account they do and all future payments must be made to them . After telling these that I am struggling to find permanent employment and can't afford to
  21. Hi Folks, Looking for some advice please on some letters my mum has been sent from a Company called DLC, working on behalf of Hillesden Securities who now claim they own a debt which was previously to Morses Club. My mum had a loan out with Morses some years ago before they went bust, afterwards no-one came round to collect any re-payments and no letters were sent to instruct her on how to make any payments. Now she has started receiving letters from this DLC company asking for her to make payments. I have sent the letter i got from here asking for a true copy of the CCA, this was in
  22. i need some advice, first a bit of background this may be long I had a loan with black horse june 2006, i kept up repayments for awhile but started to struggle after i was made redundant and in august 2007 they got a ccj against me. i agreed to pay £30 a month and did so for 15 months. Then my partner was made redundant who was the main wage earner and i could no longer afford the £30, i had the order changed to £1 a month and i paid that until sept 2011 when i recieved a letter from a company called hillesden securities saying they were the new owners of the debt and i should start payin
  23. Hello again all, I have already been here before spookily almost 1 year to the day when I got CCJ paperwork from Arrow Global and the case was struck out in the end. This time its Hillesden Securities and they already seem to be better prepared than the last lot! I'm after a bit of guidance if possible please: Claim form from Northampton CCBC dated 2nd May 2012 Claimant Hillesden Securities Ltd Via Alpins. POC: The claimants claim is in respect of a credit facility, ACCOUNT NUMBER, provided by Lloyds TSB Bank PLc at the defendants request on 03/12/1999. The agreement was subsequen
  24. Interesting....maybe the outcome of this case will see a class action by the consumers affected by securitisation: http://www.nytimes.com/2012/10/02/business/suit-accuses-jpmorgan-unit-of-broad-misconduct-on-mortgage-securities.html?_r=1
  25. Hi Hopefully I am in the right place. I have received a Claim Form from Northampton (CCBC) and am not sure if there is anything I can do about it but would like to try. Any help would be appreciated, even a little guidance on how to complete the response pack. The particulars of claim (issued 25 July 2012) are as follows: The Claimant's Claim is in respect of a credit facility, xxx etc., provided by Cahoot at the Defendant's request on 27/06/2002. The agreement was subsequently defaulted. Failure to meet requests for payment resulted in the account being terminated. On 26/
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