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  1. Hi I started a Ppi claim with Lloyds a few weeks ago there were 9 old loan account from 1992 to 2000 with Ppi. I should have my response in Aug. But this week I have received 2 letters in the same envelope to old address even though Lloyds have new my address due to claim. One is from Lloyds saying they have sold my debt to asset link the other from asset link. I know there's a Lloyds charge on my old house from 2006 (ex wife and kids live there but my sole mortgage) as its on land registry. Any one know why I've been sent letter? I assumed they wou
  2. Hi We moved in to our rented property at Christmas 2017. We both work from home and took the property based on being able to do just that. My fiancé has a photography studio set up here with regular clients coming to the house. In May we found out that the neighbours had sold a patch of their garden to a builder who is now building a house on the land. The noise is unbearable, we are woken up every morning at 7 and we can't use the garden because of the noise and dust. The neighbours are also having their remaining garden paved by a separate company who also make noise from 7am. To
  3. I have a number of accounts that I am paying back on an agreed debtmanagement plan, one being a credit card with HSBC. The dilema I am in is that all the other companies have changed the status of my account on experian to Special Instruction Indicator: Arrangement and I have been paying them upto date for over a year now. All this is showing a green symbol. In trying to rebuild my credit rating and finances etc HSBC Credit Card have not changed this, yet they accept my payment of £x.xx per month and have frozen the interest (although it it with MCS) This still shows as
  4. I've been in a difficult marriage for 26 years. I want to sell / trade in my car for a newer model but my husband is refusing to let me saying I'm not allowed because its his car. I am the registered keeper & I have always paid for tax, insurance and any repairs & upkeep. Would it be against the law for me to trade in the car without his consent? When we bought the car, he paid for it (& he says he can prove this), I sold my old car and wanted to give him all the money I got for it to pay for the new one. He refused to accept it, telling me to put the money in my bank account. This
  5. The Government is to take another step towards recouping the vast sums of money injected into the banking system in 2008 by selling £3bn of Bradford & Bingley (B&B) mortgage loans. Sky News has learnt that UK Asset Resolution, the Treasury-supervised unit which manages the remnants of the former high street lender, has appointed the Wall Street investment bank Morgan Stanley to handle an auction later this year. The portfolio for which it will seek buyers is understood to comprise lower-quality buy-to-let and higher loan-to-value mortgages ‎than an £11.8bn package offlo
  6. Hi please can someone help me. I was awarded a suspended eviction order on 9th November 2009. Whereby the judge ordered if I had to go again I had to go before him and He would basically chuck us out (due to me being there previously) That was dated until November 2010 - Will this be relevent now. Mortgage is with Santander. I have fell behind a few times since just before xmas, but ALWAYS made it up. I am up to date with my payments. And dont owe anything til end of September. My arrears currently stand at £856.71 I have been away on holiday, and come back to
  7. Hi all. Does anybody know any good reputable websites that you can sell pedigree dogs on. Shar Pei's to be precise. My friend has some for sale, and all Pedigree Papers from both parents will be available. He doesn't want to throw them on Gumtree etc. Thanks in advance.
  8. Old Tawnyowl here with entrepreneurial adventure number 966. For various reasons,a small heart attack a while ago and i suppose slowly aging i had to change my life around. Could not do what i used to do.It hurts a little but just the way,i miss my life in the construction industry and the people and customers i met.To myself it was fun and looked forward to going to work each day for many hours. I find now after a few hours i have a little pain,probably due to the medication.Hospital and doctors says i am ok. At the time i did not go on the sick but struggled on after coming out of
  9. Hi everyone. First time poster so please bare with me. I took out a personal loan from a Bank to purchase a car 2 years ago because my GF at the time did not have the credit rating in order to do so. Each month she would send me the money via bank transfer to cover the repayments going out of my account via Direct Debit as agreed from the beginning. We have since split up and she's decided to sell the car and stop giving me the money for the Bank Loan repayments. Her name was on the V5 document as the registered keeper, however as I bought the car outright myself and hav
  10. Hello I am new here and desperate for some advice. It's complicated but will try and keep it brief but below is a summary. In August 2006 myself and my now ex husband needed to refinance an existing loan with GE Money a broker referred us to Blackhorse and we were offered a secured loan of £40k. We were categorically told that we could only take the loan if we had the PPI as well even though we said the repayments were way to high to afford. We were convinced by the Blackhorse rep that this was our only option like idiots we signed. The loan agreement stat
  11. I wonder if any one can help me I recently purchased a nearly new Giant road bike off ebay. It was advertised as in very good condition. They did not mention any thing about any problems with bike. I paid by paypal using money already in in my PayPal account. Bike was shipped to me already built sent by specialit courier. When recieved bike it was not as described. Brakes dont work gears don't change properly, parts of gear system are bent and back wheel is bent. I contacted seller to complain and there reply was these problems where not present when tested bike before sending. They
  12. Hi everyone A couple of years ago I looked into trying to reclaim PPI that was brokered by Norton Finance as part of a secured loan I took out in October 2004 to consolidate some debts. I borrowed £ 40000 repayable over 25 years and the broker insisted I have the PPI which was to cover loan repayments for accident, redundancy and sickness for the first 5 years of the term of the loan. they added £ 9790 for the PPI. In October 2006 I decided to remortgage and so the secured loan was repaid after just two years. Now, when I enquired to First Plus about the mis-
  13. First of all thanks for reading We need to sell or remortgage our house as son is disabled and we need to either make adaptations or move to a bungalow. We bought the house 7 years ago but had debt in the past and just after we bought the house we were chased heavily and they got a ccj against us. They put an interm charging order on the property 3 years ago. I am not aware of any final order had been made and they have not communicated with us since. I have obtained a copy of land registry and it sates the following : Equitable charge created by an interm charging order of
  14. A unique Which? poll of bank staff at the five major banking groups found more than one in four who work in sales sometimes feel they’re expected to sell regardless of whether it’s appropriate. Which? gained unique access to hundreds of bank staff for the research, which was designed to test whether banks' public statements about scrapping sales targets have translated into real changes in staff behaviour and culture. We found evidence of improvement in some areas - for example, 78% of staff told us there is currently a greater emphasis on customer service than on selling pr
  15. Hello, I hope someone here can help me. After having fought eviction successfully 4 times we have again fallen behind with 2 payments on our suspended repossession order, this time due to urgent works (collapsed drain) that had to be carried out whether we wanted or not as it was backing up into the house.We can prove that with paid invoice. Long story cut short we want to put an end to this vicious cycle and sell the house ourselves, having had estate agents here over the weekend confirming that the house is worth more than we owe. And they think it should sell quickly because apparently
  16. Hi, Ive just come across a thread about BH selling on to Skye, so have started my own.. . I only have 4 months left on the loan after 5 years. I had an agreement with BH that I have in writing, that if I continued to pay the monthly repayments on time (2 years ago) that the added interest, due to a few missed payments and an added 6 months to the term of my loan, without my knowledge, (even they could not see who had done it or why just that the dates had changed ??) that they would remove everything.. they had already removed ove
  17. Evening all, A few years ago my mum foolishly went to PDL companies for help when things went bad - she was ill and quite vulnerable and ultimately ended up taking an overdose to escape the constant badgering from these companies when she got into the inevitable mess. (this is when I became aware) I made a complaint to one of my mums payday loan companies because 1) they were reporting different things on different CRAs and 2) I believe they had irresponsibly loaned her the amount. Their response was that they hadn't irresponsibly loaned the money, as my mum had tic
  18. http://www.credittoday.co.uk/article/17468/online-news/santander-returns-to-debt-sale-rbs-to-stay-out what a laugh... The transaction has only been undertaken following extensive due diligence to ensure that the customers are treated appropriately and provided all possible assistance to repay what they owe. We will closely monitor the accounts and Hoist’s performance.” they obv don't know robbersway very well then. dx
  19. I've got a friend I owe a five figure sum to. We've not really spoken about it much because he knows my situation (ie poor) I don't think he's got any doubt I'd pay him back if I could (and I would) but he's got this other friend who's saying, 'You're being taken for a ride. Sell me half the debt and I'll put the screws on him. ' Can the guy I owe money to sell part of the debt and that would become legally enforceable debt? I have no agreement with the guy who lent me the money other than I have signed an IOU that simply states I owe him the money. I'm
  20. Hi guys I'm not sure if I have posted this to the correct place but i'm wondering if anyone can offer any advice. There is a row of houses on a road plus a detatched house which have been boarded up for many many years and are quite dilapidated now. The council owns them, and I have asked if the council could sell me the detached house and I would renovate it as I cant afford to buy a house at the prices they are and will never get a £200k mortgage. I have worked since I was 15 and never been on benefits but because of this im not entitled to any help, even when I was made homeless beca
  21. I seem to have the opposite problem to most who post here. A few years ago I rented my home to 'friends' who seemed to think paying rent was optional. Long story, but eventually obtained CCJ for a monthly sum of £15 on account of unpaid rent to be paid into my account by 11th of each month. No attaching of earnings was made. The CCJ has now been running for a year. The first payment was made on time. Since then they have been getting later and later, missing some months. I have written to them reminding them of their legal obligations and asking
  22. Hi there, recently I just purchased a new PAYG mobile, my friend found the offer online and bought it for me. The brand new phone only cost 2.99 and I had to purchase £10 top up with orange. I had the phone for 2 days, I had not used it at all and my first text was from a company asking me if I wanted to claim compensation for my accident! Grrr! I was confused as to how this company got my number, as it's not an Internet phone and my numbers not on the net anywhere. I phoned orange, they told me it was because I'd been on the net, I told them no I hadn't. I asked if
  23. Thank goodness for Tesco. But for their constant vigilance, the streets could be swarming with spoon-wielding teenage gangs. A 16-year-old boy was told he was too young to buy a pack of teaspoons by a supermarket in Lancashire. Liam Whelan was sent by his stepmother to their local Tesco in Haslingden to buy replacements for the spoons he keeps losing. But staff refused to sell the 57p pack of teaspoons to Liam, from Deardengate, because he was not 18. http://www.bbc.co.uk/news/uk-england-lancashire-26574789
  24. hi all,, does anybody know weither amex ever sells there debts on or if not any idea what f/f settlements would they give,,
  25. Afternoon all some help needed. I took a loan out in approximately 2000 I was injured at work and could not afford to pay my amount so after a while restons became involved and when I was back in work sent an attachment of earnings and I was paying about 100 a month direct from wages, I was then made redundant and did not hear anymore this was about 4 years ago. Today I recived a letter from HSBC saying they had sold my debt to lowells. How do I go from here I don't know what to do any help would be most helpful.
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