Jump to content

Search the Community

Showing results for tags 'showing'.



More search options

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Campaign
    • Helpful Organisations
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV and Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - you need to register to access the CAG library
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
  • Work, Social and Community
  • Debt problems - including homes/ mortgages, PayDay Loans
  • Motoring
  • Legal Forums
  • Latest Consumer News

Blogs

  • A Say in the Life of .....
  • Debt Diaries

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Quit Date

Between and

Cigarettes Per Day


Cost Per Day


Location

Found 40 results

  1. Good evening all, I've done a bit of research trying to close accounts which led me to requesting CCA's to Cabot. I sent two for two different accounts which they took off Halifax (1 x CC & 1 x Current Acc Overdraft). I posted the following to them: Dear Sir/Madam Account No: With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974. 2. A full statement of account. 3. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 4. A copy of any other documents referred to in the agreement. I understand that under the Consumer Credit Act 1974 (sections 77-79) , I am entitled to receive a copy of any credit agreement and a statement of account when I request it. I enclose a payment of £1 which is the fee payable under the Consumer Credit Act 1974. I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days. I understand that, under the Consumer Credit Act 1974, creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account. A speedy response would be appreciated to resolve the matter amicably. I look forward to hearing from you soon. Yours faithfully THE LETTERS WERE RECEIVED ON 17TH/18TH JULY AND TODAY I RECEIVED THE FOLLOWING LETTERS: Thank you for your CCA request etc etc... We currently do not have this information on file. However I have requested the relevant details, which include a copy of the credit agreement, statement of account and relevant terms and conditions from the original lender. You have requested a copy of the Deed of Assignment. Please be advised that the DOA is a confidential document between Cabot and the original lender. It does not contain any personal details relating to you or your account and is not available for disclosure. We sent you a Notice of Assignment for your account to your address, which is sufficient to confirm our ownership of this account. Only the courts can request this... Blah blah blah. A couple of things here... I asked for a true copy, they are referring to simply a copy. If they do obtain a copy, is this enforceable? Also is it acceptable what they are saying about disclosing the DOA to me? I don't ever recall being sent a Notice of Assignment, if I did, is this sufficient to confirm ownership and enforceable? I have been currently paying towards what they are claiming, on a monthly basis via DMP. The next payment is due in a couple of days. Should I continue paying or is it advisable to stop until they wholly action my request? Thanks in advance and any help/advice/feedback is much appreciated! I'm looking to get a mortgage by the end of the year so I can get my son into the school I/he wants. Many thanks.
  2. Hello all, I am currently in the process of servicing/settling all of my debts and over the last 3 months have paid off 5 of my 7 debts (£4800). I have one large-ish debt of £5300 and a small debts of £700. I will be looking to get a mortgage early 2020 so checked out my credit report to see if there’s any other debts/defaults I’m unaware of. However, when I access my report it states I have no negative factors and no defaults. I can’t understand why it wouldn’t show my defaults, can anyone help please? I just want an organisation to be able to tell me all of my debts so that there ends up being no hidden surprises further down the line. help is greatly appreciated
  3. I had a mobile contract with vodafone which I stopped paying about 2 and a half years ago due to a dispute. I expected to see it showing as defaulted on my credit file, but it looks like it is "up to date" and just shows the outstanding balance I'm confused. Can someone help me understand what is going on ? Edit: screenshot for clarity
  4. Good afternoon, I entered an arrangement with my Capital One card with reduced payments for a temporary time, due to redudnacy. I have made every payment, as agreed and on time. I checked my credit file and noticed they had uploaded some late payment makrers - 1 on one month, then 2 then 1 and 0 for the latest payment. I have made a complaint about this, and have bene told that this is their process, despite them admitting the adviser on the phone did not advise me they would show as late payments. Is this the correct process for them to follow? I don't think they have understood, nor taken owenership of my complaint, as they offered their final repsonse on the phone before even listening to the call and have referred me to the Ombudsman since. I also don't understand how they can show them as late payments when I have not made any late payments? I am going to write to the Ombudsman, as I have not got anywhere with Capital One and I feel there was a lack of understanding and owenership from Capital One.
  5. Hi, long time no post. asfaiwa my finances were now in a good place. I got a massive shock when I did a credit check on Experian two days ago to discover that a debt originally defaulted by Monument back in 2006 was now showing as a default to Arrow Global. This case was dealt with by the court around 2006 who agreed a payment of £1 a month to Arrow Global who had purchased the debt from Monument, and I set up a standing order for £1 a month. I was also paying £10 a month to Arrow Global for an RBS debt. In July 2015 the £10 a month payments stopped as the RBS debt was paid off. I can find no records of any £1 standing order payments to Arrow Global for the Monument debt since 2010 (as far back as my bank records go.) In November 2015 standing order payments for £1 a month started to Capquest, who had apparently bought the debt from Arrow. The first one was £5, (coincidentally 5 months after July 2015 ie 5 x £1 payments), going down to £1 a month after that. Arrow say they never stopped receiving £1 a month payment from me and that I had been paying by order book. I have no recollection of this at all and have no order book with them, nor any memory of cancelling the standing order to Arrow for £1 a month set up years ago, and no memory of setting up a payment with Capquest for £1 month in November 2015. Arrow then informed me that when they sold the debt to Capquest, I defaulted, and the default date on my credit report dates back to November 2015, long after the original default date with Monument. I didn't understand what was going on (I still don’t) and asked if there was any way the default could be removed. Their representative told me it was against the law for them to remove defaulted entries from CRAs. But the default shouldn't be on there in the first place, should it? It is my understanding that defaults should date only to the date of the default with the original creditor. Is this correct? Now, thinking that the Monument debt had been well and truly dealt with I (mistakenly, shoot me now ) chucked out all my correspondence with Monument a few months ago during a filing session. Ditto Arrow Global and Capquest. (yes I'm an idiot. ) I then rang Capquest who confirmed they started receiving £1 a month from me in November 2015. So why the default? Because, they said, I'd defaulted when they bought the debt from Arrow. Taking them at their word I asked for them to suggest a settlement figure and they took a list of all my incomings and outgoings and said they'd pass on my details back to Arrow for them to see if my settlement figure was acceptable. I suggested £500 on a £2,300 original debt. But once I got off the phone my husband said to me that something was fishy about all this, and that's when after discussing it we realised that the default shouldn't even be showing on my credit file. Both Arrow Global and Capquest were insistent that I'd defaulted when the debt was transferred from Arrow to Capquest. So what do I do? This has caused me untold stress and completely ruined my otherwise squeaky clean credit record. Gutted.
  6. Hia ll, Hope I'm posting in the right forum. In March 2015 my partner had a CCJ against him. He attended the court hearing and was ordered to pay. He has been paying £75 a month since then. Today he checked his credit file online and found he has a good credit sore with all 4 reference agencies and no record of a CCJ on his file. We've looked through the paperwork relating to the case and can't really make head nor tail of it. There is a case number beginning with A on the court and solicitors paperwork. Does this mean that the outstanding debt of around £500 is unenforceable?
  7. Hi, We have a credit card debt with MBNA taken out in 2008 which defaulted in 2013. It is showing on CRA as 'satisfied' with MBNA, but then appeared as Aktiv Captial, who chased through 2013 - 2015. The debt is now with PRS Group and we have had a letter asking for payment or Court Action will ensue. If the debt is showing 'satisfied' can PRS still push for payment, or is this 'satisfied' because the debt has been bought? We wrote to Aktive in 2013 asking for CCA, they sent us photocopied version, scribbled numbers over and no sig. Do we just ignore PRS? We have had one succesfully thrown out case with another card company who folded at Court, can we do the same again? Thanks skywalker
  8. This is a strange one, hope someone can help. I took advantage of an offer to switch current accounts for circa £100 in May 2009. I filled in the forms, my salary and debits moved across. The problem was that Santander did not agree to match my existing overdraft (£500) and didnt communicate that the overdraft had not been granted but moved my finances over anyway. So I quickly moved back to my previous account and requested that Santander close the new current account. I recall speaking to a manager on the phone, who agreed to close the account with no charges and in exchange they would not pay me the £100 switching fee. They admitted that they should have communicated better and did not make me aware that any adverse credit history would be reported. However, I have downloaded an equifax report to discover that it is still showing as late payments from May 2009 until it was settled in November 2010. Note, this doesn't show in my noodle report. I am thinking that as I have not used the account since May 2009 it would be SB and should be clear from my credit reports, is this correct?
  9. Hi ..Just been reading this thread...and it's almost a mirror image to my nightmare. http://www.consumeractiongroup.co.uk/forum/showthread.php?370805-Lombard-Direct-Arden-Credit-Management-Query-PPI-reclaim-now&p=4062117#post4062117 The same players as well ..LOMBARD ...THEN IDEM ..THEN ARDEN CREDIT.... .Who are really turning up the gas on me constantly reviewing my payments to them every few months and constantly pressurizing me . I had the original loan with Lombard taken out september 2000. for £13,300 & PPI upfront payment of £2431.87 .plus total charge for credit £4081.33 total amount to be paid = £19813.20. Via 60 x monthly payments of £330.22 @ 9.90% APR. In 2001 November. I had a nervous breakdown and used the PPI to pay the load for a year. After which time the cover expired. As I have been disabled with mental health issues these past eleven or so years I have just been paying reduced payments to the various people Lombard seem to flog my debt too. They (Arden Credit ) are always asking me for more money (which I have been doing but have now reached my maximum of £120 per month) as I am on DLA . They know I have mental health issues, but when I tell them I cannot afford any increase to my monthly payments they send out a income & expenditure form . (even though I e mailed them one two weeks ago.after seeking help from the National debt helpline). What annoys me is I never ever fail to respond to them in any letters, but when I e mail my responses they say they have no record of the e mails until I challenge them ...then they say ..oh yes here it is. ..its making my health worse and I need to know if there is anything I can do to get the people off my back .. ..how much power do these people actually have ..given that this debt was taken out in 2001 , And I have never ever missed a (reduced ) payment to whoever was handling the loan. And do I have any thing to go on with regard to this PPI Payment which I originally paid out for...... Thanks Eddy
  10. I applied to Littlewoods Catalogue via an application form way back in the 1990's. Although I have just a small debt of £160, this is now included in an IVA. The IVA has been enforced since June 2012; I've had no contact with Littlewoods since the IVA was granted. I wish to seek under I believe a section 75 request to see if there is any actual credit agreement with the catalogue company. The debt is still listed with Littlewoods and does not appear to have been sold on. Can anyone please provide me with template letters? Thank you.
  11. I received a suspended repo on my home last March and have since kept totally up to date with both the mortgage payments and the arrears (the arrears are paid separately). Yesterday, however, my DD bounced for the mortgage (the arrears element was paid last Friday) and I'm worried about what will happen. Will they simply re-apply for the DD and impose charges or will they go straight for re-possession? Some advice would be appreciated. Also, a few months ago, they asked if I wanted to capitalise my arrears because my payments had been so good, will that be something they take into consideration? To summarise, I'm not behind with my arrears payments but the DD for the mortgage has bounced and I won't have the money until next week to pay it. This is the first time since March 2009 that it has happened. Thanks
  12. I initially had a credit card debt with MBNA which was then sold onto Max Recovery Limited. When the debt was originally sold it was under an IVA. Now the IVA has since been cancelled, so I have started written communication with Max Recovery Limited. As I understand it, when a debt has been sold on, there should be a Deed of Assignment to prove that Max Recovery Limited own the debt. I have asked for this document on 3 occasions Max Recovery Limited has not acknowledge this requests. To date Max Recovery Limited has sent the debt onto their own DCA a firm called Drysdenfairfax Solicitors for collection.Again, I asked their DCA for proof their client owns the debt, Drysden have not complied. I reported Drysden to the Solicitors Regulation Authority over the matter, the SRA said Drysden hasn't done anything wrong. So my question is this; because Max Recovery Limited have failed to provide proof they have purchased the debts, can they persue me for it!?
  13. Hi Everyone, In 2012 I got a payday loan which snowballed into another until finally I could not afford to payback the amounts. The first loan was from Wonga (£430 still owed at point of default) and the second from QuickQuid (£220 still owed at point of default) . I received an email in August from Wonga and Red Castle DCA to say my debt had been cleared due to new FCA rules about affordability and all records would be removed from my credit report. I have checked all 3 credit reports, there is no information from QuickQuid or Red Castle on any of them and Wonga shows as £0 owed, but there is a default registered by a 'PRA UK', there is not much information about it, just say's there is £70 owed for a payday loan, it was defaulted in March 2013, and last updated in mid 2014. Does anyone know if QuickQuid are using this DCA? It's an odd amount since neither debt was for £70 and it is a different DCA than Wonga mentioned meaning it might be for QuickQuid. If it was for the Wonga loan which has been written off can I get this removed and if it is for QuickQuid I wonder why only £70 and how should I go about settling it and could I get it removed? I have no other debt other than my overdraft, so the £70 default can't be for anything other than the 2 payday loans. If I contact them what should I ask them for to prove the debt is correct/genuine, I don't have a £70 debt for a payday loan, one cleared and one for £220, and it does not say who it is from originally. Also I read somewhere the clock resets to 6 years the first time you contact Debt Collectors. I have been in contact with Wonga and QuickQuid about the debts before but not debt collectors, so worried about impacting my credit score for longer by calling them directly now, and if it was possible to go via QuickQuid/Wonga? Any help appreciated and happy to be joining the forums.
  14. Dear all, I desperately need advise ... here is my situation (long text as i am writing a complete recollection of what happened): On Saturday 24 October 2015 i received a letter through the box from Collection and Compliance Titled "Further Steps notice" In essence it says that since i have failed to make payments as directed following steps will be taken ... a few lines of VERY scary stuff. After that they give me 10 days to pay 800 pounds or the scary stuff will start to happen. Now this comes as a complete shock i had NO idea what this is about. On Monday i called them and they told me that there has been a court case against me and they have been ordered to collect this money by the court. I have never been aware there is a court case to begin with. They put the collection on hold for 28 days and gave me case reference number. On Monday 26 October 2015 i went to Levender Hill court to check what is this all about. I was told the following that the current case against me is for failure to provide information to the DVLA related to traffic violation or accident in addition to that for failure to show up in court and a few other failures related to the fact i never got anything. I asked what adress all of this was sent out and they gave my old address. They said that one of the notices were sent september. After talking with a friend he said i should check my V5C i just did that and it is on the new address. I checked the dat eof the document and it is 29 04 15. This should mean april, if they sent the stuff in September no idea why they were trying my old address. I also checked my driving license and it is on the new address since April as well. I made a Statuory statement .. or something like that not sure what it was named, that said i never received anything and the first time i becase aware of this issue was Saturday 24-th. They took my details and scheduled a court date for 10-th of November. I still have nothing through the post 29 October 2015 and i still do not know what the original offense is. All they said that the current case is for failure to provide information which carries 6 points and 660 pounds fine the rest is fines for not showing up and not paying when asked first time around. This is as much as i can say right now and as much as i remember. I am completely lost. Never been involved in accidents, i have one speeding ticket in my entire life from 5 years ago and it never went on my record as i took the speed awareness course. Neither have i ever had problems with the police ... so you can imagine how scary this all feels right now. Any advice is very welcome, initially i thought of just going to the court and being honest but i was advised by friends and also someone sort of related to law that i should not do that and i definitely need advise especially since its has gotten to the court and one needs to know what and how to say ... so here i am.
  15. Hi, I need your advice I parked on a street where nobody shows the timer this is on disabled and non-disabled cars, I parked in a disabled slot and placed my blue badge, when I came back 20mins later from a dental appointment I was given a notice, I have only had a blue badge a few months CODE 40 "Parked in a designated disabled persons parking place without clearly displaying a valid disabled persons badge" The images shown on the enforcement site showed 2 images taken at an angle so you could not see the dashboard or badge. I questioned this with photo evidence they came back and said it was for not showing the timer, I questioned again that the notice said nothing about a timer. They sent back more images showing the blue badge they had there was no mention of this in the first reply from them. Where do I stand on this? Does anybody know what the codes are for the parking notices, and is there one for not showing the timer? your help appreciated
  16. Hi not sure if this the right forum (please move on if incorrectly placed) but I would like some advise. I had a loan with Northern Rock and I asked to reduce my payment on the loan as I was struggling to make the payments. The loan went via the government to Marlin financial who contacted me and I agreed to increase the payment amount. (I was now in a better situation and this suited me to pay the loan of quicker). A few months before the final payment was due I had another letter informing me that the loan had now been passed onto Cabot financial and I did not need to do anything as the DD would just continue. I made the last few payments and thought that was that but; When I checked my credit score I found that the loan was not marked as being settled and it was also showing an arrangement in place for the last three years plus. I have contact Cabot about this and the have sorted out the loan showing as settled but think that it should show as having an agreement in place. I would like some advise as I did not sign anything with Northern Rock just a phone conversation about reduced payments and I have never entered into any sort of agreements with either Marlin or Cabots. This has greatly affected my credit score and if it possible to get it removed I would like to. So I suppose the question is can it be removed and is it right to report a payment agreement when I entered into no agreement with either Marlin or Cabot, and I never signed anything for Northern Rock.
  17. 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 the xxxxxxx county court dated xxxxxx in favour of xxxxx. Court reference xxxxxxx What does this mean? If we sell do we loose all equity? If we remortgage will the money pass to them?
  18. Hi, I just wanted to check this out, in 2009 I was unfortunate enough to be given a CCJ by Suzuki Finance Limited for a car loan that I couldn't repay which was through Black Horse Finance. I made a payment arrangement and am still paying off the CCJ (which I will be doing until I die as they repayment amount is only £10 per month). I have paid the CCJ every month without fail and it reached 6 years old earlier this year and was removed from my Noddle account. However, even though I have never missed a payment the entry is also showing in "other accounts" on my credit report and I noticed that last month the default date has been changed to 12/7/12. Can someone advise me if Black Horse or Suzuki Finance (whoever has done this) are allowed to do this please? I have reported the matter to Noddle as default date incorrect and I'm waiting to hear from them. Thank you Maybe
  19. Dear friends, I have checked my Equifax and Callcredit report’s in the last few days as I know I have some pretty bad looking marks relating to a Barclaycard I had a good number of years ago, I have learnt from the error of my past and have had a clean credit file for the past 5 or so years. The Barclaycard was not managed well by me (I moved address in 2008 after graduating, got a new job and got married all simultaneously and did not inform Barclaycard during this busy period until 2010), although I never defaulted just had a large number of late payments, I am really upset about not being more proactive at the time as now I would like to get a mortgage and this is really holding me back. My main issue today is that Equifax are showing inaccurate Barclaycard data going back to 2006, and I only want it to show the most recent 6 years (going back to 2009). To get a better understanding of what actually happened I will explain my Callcredit/Noddle report first as they have reported the Barclaycard entries correctly: Jan – Jun 2009: To explain, I fell behind on payments in Jan 2009 & lots of fees were added by Barclaycard until June 2009 when they took money (minimum payment amount) from my Barclays current account to offset against the Barclaycard balance hence, a green mark in June 2009. Jul 2009– Mar 2010: Then as they added interest and more fees (from Jul –Mar 2010) this pushed me over my credit limit again until March 2010 when they again took money from my Barclays current account to pay the full balance on my Barclaycard. Apr 2010 – Mar 2012: I assume they kept the account open until March 2012 which is why I have a number of green payments for this period. Equifax Report: Right now my concern is my Equifax report. This shows a number of errors for Barclaycard, and frustratingly they are also showing inaccurate data going back to 2006: I only really want the most recent 6 years showing (from June 2009 onwards) as I don’t see why they should be holding data on record which is way older than 6 years. As they have recorded the payment markers incorrectly, if the report would show only the most recent 6 years then I wouldn’t have any late payment markers showing which is what I am hoping to do however, in reality it should show like the Noddle report with late payment markers in 2009/2010. I would like to find a way of asking Equifax to update my Barclaycard records to only show the most recent 6 years (green markers from 2009 as above) without worrying about Barclaycard reporting the correct dates (late markers) to Equifax and Equifax amending their report. Is there any way I can do this? Do Barclaycard still have the authority to ask Equifax to change the data even though it was so long ago, or do Barclaycard have to report it within a certain timeframe? Is there any way I can ask for the whole record to be removed due to the incorrect entries/dates? Should I approach Equifax or Barclaycard as I would like to try and get this done as soon as possible as I have seen a house I would like to buy? I apologise for the long post but its the only way I could explain it due to the complications, any help is really greatly appreciated x Imogen
  20. I received a letter from one of the debt companies that have taken over a debt I had for £165 they offered me a settlement payment of £50 so I took this offer and I have paid the £50 The guy I spoke to was rude and very unhelpful! He told me that this account would show up as Settled instead as Satisfied .. If I were to pay the £165 then it would be satisfied, he then went on to ask me a number of questions as to why I could afford to pay £50 but yet I can not pay £165. So I am wondering what the difference between Satisfied & Settled is ?
  21. Hello, I have had a loan and a credit card account with cahoot since 2004. I have not made any payments since 2008 and was sure that my credit score is all over the place I did a search on Experian and bought the full report. Nothing showed up. I have no credit history of ever taking or not repaying those accounts. In fact my credit is FAIR and the rest says: Credit History Summary: Number of credit accounts (including those settled)0 Amount of available credit (excluding mortgages) £0 % of your total credit being used (excluding mortgages) 0% Amount of outstanding debt (excluding mortgages) £0 Number of accounts overdue 0 Number of missed or late repayments in the last year 0 I don't understand, could someone explain why those accounts are not showing? I took the most enhanced version of the check, I'm not sure I can search any more. CCJ also 0 - I checked with TrustOnline. ar1607
  22. I got into quite a bit of financial trouble some years back and, through hard work and kindness from my family, managed to climb out of most of it. Unfortunately, MBNA were one of my creditors and they weren't at all helpful in resolving my problems. To cut a long story short, I paid off pretty much all of my debts apart from MBNA who were receiving a minimum payment each month (and I was watching the debt reduce by maybe 5% of the minimum payment). I had a 20% pay cut and something had to give - MBNA were it. I rang them and explained what had happened and asked for help; they refused to give me any. Eventually, I didn't have any choice but to stop paying them. I'm now back on full pay, but before that happened, I received a letter from Link Financial Outsourcing telling me the debt had been passed to them for collection - all £8,000 of it. Fair enough, my own fault. I rang them and asked the guy I spoke to if I could set up a repayment plan. I racked up the debt, I expect to have to pay it back. Somewhat unbelievably to me, he refused. When I asked why, he said they like to give people time to try and arrange a full and final payment. I told him that wasn't going to be possible and that I'd like to set up a repayment plan. He refused again, again citing that I should be able to raise the funds. In three weeks. I asked how he expected me to do that and he said I could probably get it from family and friends. I told him I wasn't going to do that, couldn't do that. He said I'd have to try. I accused him of being less than helpful and he said he'd been very helpful and very reasonable - after all, he'd offered to reduce the final payment amount to £6000 and given me a month to raise it. Then he terminated the call. They called me a few more times to see if I'd raised anything. Each time I spoke to them, I asked them if I could set up a repayment plan as it wasn't going to be possible for me to raise such an amount in such a short time. They refused each time. At one point, I asked why I couldn't pay them back over time.. . I was told that because I was a home-owner, they wouldn't accept a repayment plan, they'd just take me to court. I asked what they hoped to achieve from that, and they said it was their company policy. This morning, I've received a Letter Before Action stating that court proceedings will now be issued against me by IDR Finance UK Limited (who?) without further notice. I'm pretty stressed about this and I really have no idea what to do. Please, please, help! I am not trying to weasel out of the debt - as I said, I made mistakes and I admit I owe money and I want to pay it off; but there's just no way I can pay £8000 (or even £6000) in one go. I'm terrified that they'll take me to court and somehow find a way to take my house. I don't know if that's possible, but it keeps me awake at night. I have a wife and three young children and times are tight. All I want to do is to come to some agreement with them and start paying them off! If anyone has any advice on what I should do, I'd be very grateful. Thanks for reading.
  23. Hi all. Details are 16 months ago I took out a £850 quick quid loan and due to job loss was unable to pay a penny back. After a few months they passed the debt to arc Europe it's £1483. As of the other day it has been passed back to quick quid I can still log into quick quid and it says £1483 outstanding due on the 23/05/2016???? Don't get that. I have checked all 3 credit reference agency's and it is not showing on any of them but there are 5 other quick quid loans on my call credit all paid and settled. I am now in a position to pay the full amount can I use any of this info to maybe get a reduced settlement amount or do unit pay at all, I don't get why they have registered no default or even reported any of this account to call credit ?? Thanks
  24. Hello, Apologies if I have posted in the wrong place but I am hoping someone may be able to help please? Today I went to pick my son up from the village primary school and I parked in the same place I have done for the last 2 years with no problem - residents seen me and said hello etc. Well today for some reason 2 separate residents decided to have a go at me abusively for parking where I was with one calling me names unprovoked and the other threatening to smash my car! I was absolutely fuming! The first person when he realised I wasn't going to back down disappeared into his house and the second person hung out of her bedroom window hurling abuse! Normally I would ignore low lifes like this but the area is right next to the primary school where some of the kids were on the playground and could of heard her and also because of the threat to my car. I said if there is such a problem why have they not said anything before to which they didn't answer! Where I park for 10 mins max is not in anyones private parking place and the sign showing just states 'Parking for residents of West End Terrace Only' - there is nothing to say that you would be fined / towed / clamped, etc. To this end I wondered if anyone had any thoughts on what I should do? (If anything). Thank you.
  25. Hi all I recently signed up to noddle to check my credit report. I noticed that I have a CCJ issued against me on the 15/05/2014. A case number is provided but no company name shows. I would also like to point out that this CCJ is registered with my previous address. I would like assistance or to be guided in the right way to deal with this issue. I didn't know that a CCJ was going to be issued. I moved out of the address it's listed against on the 28/09/2013 so any paper work relating to this would have been sent there and I had no knowledge that a case was to be heard. I can provide proof by a tenancy agreement showing the date that I moved out of that address. Is there anything that I can do to try and resolve this issue? thank you in advance
×
×
  • Create New...