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  1. Just received a letter from Santander stating my overdraft has been sold to Cabot The letter states that Notice of Assignment will be forthcoming from Cabot In the same envelope was a welcome letter from Cabot stating the usual things about 'how my experience Cabot will be different' blah, blah, blah. The account was setup in 2005 and the overdraft is approx £5400 The last payments to the account I am aware off would have been Jan/Feb 2013 Not sure what the process is regarding overdrafts and what documentation is required etc to prove in court, so if it's a different
  2. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  3. Hello. This is my first post here, and I was hoping I could pick the brains of this forum for some help. To cut a long story short, I have in the region of £15k credit card debt from MBNA, which has been sold on to PRA, who have started getting in touch for payment. I don't/didn't have any sort of payment plan set up - I stopped paying anything last year because I simply couldn't afford to do that, while also having enough money to feed my family. I'll be honest, I tend to see these DCAs as parasites of human misery, and my main inclination is to pay them a
  4. Hi, myself and my wife have a secured loan with welcome finance but due to financial difficulty and other issues we have had with Welcome we have not been paying it since 2010. We have now received letters to say that the debt has now been sold to Cabot and they now hold all rights to the account. They have appointed Marlin as their managing agent. Does this mean that this account is no longer a secured loan? If it is not, does this mean that welcome never executed the loan correctly in the first place because they could have just gone for a repossession.
  5. Hi, i'm looking for some advice on where I stand with regards to a vehicle purchased at a online Copart Auction please. The vehicle was advertised as Unrecorded and in the additional information stated that it was an import, it has never been UK registered, additional charges may apply to register in the UK and it's history cannot be guaranteed. There was no mention of where the vehicle was imported from, so was extremely difficult to trace back any history. I purchased the vehicle believing it to be a UK car, it was right hand drive and sold through a UK company. It was only
  6. Hello people, I am new on this forum so please have patience with me. Last year I was searching for insurance for my girlfriend's car so I went on money supermarket or confused (can't remember exactly which one ) I put the details on there HER being the policyholder and me as named driver on policy with the option for business miles everything ok i got quotes from a lot of companies and we have chosen GoSkippy from the whole list, made the papers put down details for direct debit insurance went on and i though I have a business insurance but I was mistaken. The problems started ye
  7. Hi all just want some feedback with regards to where I stand, I purchased my car in October 2016 from a reputable car supermarket. The car had 103k miles on it at the time and I purchased it for £7000. I took finance through a company and have had the car for 26 months now. I have 10 payments left before car is mine. Today I wanted to go car shopping and thought I would go and have a look at a few cars and see what price I would get for mine. I visited a garage and they began to put a valuation onto my car after doing so the guy came back to me and said sorr
  8. Hello I have received a letter dated 21/12/18 from Lowell Solicitors regarding a 12 month contract I entered into with BT PLC 30/08/14. I believe the contract was entered into over the phone. As far as I remember I made regular payments and gave 30 days notice over that I did not want to roll on to a month to month contract as stipulated by them over the phone towards the end of the contract. I was a student in university at the time. The debt stated as owed to Lowell is for £288.31 due to me not making agreed payments to BT PLC and was purchased in 15/09/17. I queried t
  9. Mrs Echodale is being harranged by Cabot over HSBC credit card debt . HSBC agreed that if she made sixty payments of £xx then she could save £1800 and would not need to make any more payments after July 2018. She has honoured the agreement and made last payment as agreed. Cabot apparently bought the debt a few years ago and are chasing the £1800, they say they have contacted HSBC and have been advised that no such arrangement exists. We have the original Metropolitan/HSBC letter from 2013 and even though the onus is upon Cabot to 'prove it' we have sent them a copy.
  10. Have just returned from helping a family friend out this evening, she was stranded at road side with puncture, and no spare wheel, car jack, wheel brace or emergency puncture repair kit in the car.The car was the lady's first and she bought on the basis of colour and because it was cute, in other words the car dealer saw her coming and quickly worked out she was not aware of what to look for when buying a car. So, tonight in pouring rain and in the dark at the side of the road I had to give her and her son a lift and abandon her car at roadside.Before, I call the 2nd hand car dealer tomo
  11. I was out of work 4 years ago and agreed a 5 year payment plan with MBNA for a credit card debt (14,000), they stopped the interest , I have been paying this for 4 years +3months never defaulted , I have now received a letter saying they have now sold my debt (1900.00) to The PRA Group … .yesterday I received 3 calls from them which i have not responded to....what happens now? the letter from MBNA says I don't need to do anything and PRA group will carry on the agreement so why are they calling me? any advice appreciated!
  12. I have a 10 year old mortgage that was sold by Compas Finance Broker (which I paid extortionate fees added to the mortgage) that was with GE money and has now been sold to Kensington. I went through a divorce just over 5 years ago and the mortgage was in joint names, in March last year I rang GE and asked for a transfer of equity as I now have my fiance living with me and things move on, during the phone call I went through the income and expenditure and GE cleared me for the T.O.E and sent out the forms. Due to delay of completing the forms due to family health problems the mortgag
  13. Hello, Has anyone made a claim directly to claim compensation for mis sold solar panels I have had a solicitors contacting me claiming people are being successful getting their agreements cancelled and refunded money they paid from the start. Also, they get to keep their panels and feed in tariffs! However they charge 30% fee plus 20% VAT! I want to do this myself. Anyone been through this road? Anyone?
  14. Has anyone dealt with debt collectors and had success in reducing the interest / charges removed to pay for the actual debt. If you have I could really do with some help as have some bad old debts that just keep resurfacing and now need to face up to them and arrange to settle to become debt free. Any help would be really appreciated.
  15. Hi, I am looking for some concrete advice please on where I stand with a debt that's hanging over me. The debt is for around £9k and was originally a HSBC credit card. I received a CCJ toward the end of 2013, along with a Charging Order against my property, which I unfortunately didn't contest. As I am self-employed and have children, there has been no enforcement action that the courts would take against me, so I have never paid anything toward the debt, or acknowledge it. HSBC gave up earlier this year and have sold the debt to Cabot. I have read a number of threads
  16. I’ve never needed a mobile phone except when travelling up north to see my mum who’s in a care home. Just before Christmas 2014 I got a mobile phone from EE so I could stay in touch with work, etc., while visiting my mum. When I set it up it was clear that it didn’t work. I tried all sorts of things and it still wouldn’t work. But I forgot about it for a few days. When I got back after Christmas I decided to phone EE and tell them that it didn’t work. The problem was that they said I didn’t pass the security questions; as a result I could not speak to anyone.
  17. My I.V.A. finished and I got a Completion Certificate in October 2016. I have just received a letter from H.B.O.S. saying there is still a large balance on the account. Then shortly after I received a letter from LC Asset saying they had purchased the debt from H.B.O.S. How is there any balance, as I thought on completion of an I.V.A. all remaining debt was written off?
  18. Hello I'm new here.. hope this is the right place to post! I need some help if possibble with the following: Had a very old MBNA account.. that was sold to Hillsden securieties around 2005. A CCJ was obtained by Hillsden in around 2008/9 and has been paid as per order without fail ever since. Recently I have had letters from DLC (hillsdens managing agent) and Cabot Management group..informing me that the account is now owned by Cabot/ME111 and to now contact Mortimer Clarke Solicitors to change payment to them. However I do have an issue with this. I m a bit worried
  19. Hi, I took out a mortgage with Abbey National in June 2003 and I was advised by the in branch adviser that it would be wise to take the paymentcare policy with the remortgage and additional loan which was added to the mortgage. I have been paying this every month at a cost of £52.55 - which by my calculations means I have paid £9511.55 to date. My issue is that I didn't actually require this insurance at the time of remortgage but the adviser stressed that it would be "very helpful" to my application. Wishing to get the loan agreed I took the paymentcare insurance ou
  20. Hi All, I would be grateful for any help to work towards reducing my Welcome Finance loan which has been sold to Coast Financial Solutions despite account being in long term dispute. I do not wish to bore you kind folk with a sob story but think you need a brief history. I got a car from YES Car Credit when I was a student back in 1998. I purchased a property in 2002 and fell victim to Welcome Finance offer of reducing my costs by taking out a home loan. Since then over 15 years has passed and I have put the loan in dispute many times due to charges, incorrect balance and Paymen
  21. hi , i have a loan from welcome F (secured) but on the credit agreement my address does not have the flat number of my home , only the address of the whole building as there is 8 houses in the building does this mean the agreement is not complete right?
  22. just got my credit agreement from them and noticed mortgage indemnity of £550 on it it was a secure loan of 5000 we got but with this added to it and payment protection insurance added the ammount of the loan has added up to £7142.05 ppi - £1357.05 plus the £550 for mortgage indemnity question is these 2 amounts probably get interest added every month have they the right to add this on - mortgage indemnity insurance 2 weeks ago i cancelled the PPI form them and told the feckers to recalculate my loan with them but need bit of help with the mortgage indemnity
  23. I have got ppi with welcome finance but the debt was sold on to dlc hillesden Here is my case I took out a loan with welcome finance in February 2004 . I was missold ppi and they owe money . My debt was written off by welcome finance in 2006 and sold to DLC hillesden a debt collection company . Now will I receive the ppi money or will it go to the company it was sold to . Can welcome finance buy the debt back and offset it etc . Bearing in mind I took out the loan in February 2004 . I would be very a grateful if you could reply . I read somewhere that losns t
  24. Hi there. I have recently had a letter from the HM Courts Historic Debt team about a fine in 2014 that was for £930!!!! I called the Magistrates court today about this having read about statutory declarations etc and found out a bit more about the case. The offence was that i had used a car on the 16th September 2013 without tax on the A5 through milton keynes. I bought the car in November 2011 and sold it in April 2012, shortly before moving to a new house. Luckily I have a photocopy of the receipt myself and the buyer signed when she took the car, so I am confid
  25. Good Morning I have been paying a debt management plan to payplan for over 10 years, following advice from this forum for which I am soooo grateful for I have sent CCA's off to all my creditors and awaiting responses. My abbey overdraft has been sold onto Cabot, I understand that I cannot sent a CCA. The last payment to them on my debt management plan was Dec 17. The balance is £588.19 What is the best way to proceed with this, should I send a SAR or set up a payment plan direct with them, are they likely to accept a F&F? Thanks for your advice/help in advance
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