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Found 12 results

  1. Hi I'm so glad to have found this forum. I hold 5 student loans from years 1996 - 2000. The 1996 & 1997 loans are with Thesis The 1998, 1999 and 2000 loan are with Erudio I have never received a DAF from Erudio or signed any document with them. My loans have always been deferred thorugh the Student Loans Company, who now seem to have rebranded as SLC. Historially I've occasionally been late submitting deferment but it's never been an issue. I did not receive a DAF from anyone in 2017. Erudio have sent me a default notice letter saying I had to pay my a
  2. hi all, I used halifax website to submit my ppi complaint. they correctly discovered my old loan and credit card 2004/6 and sent me a 7 page questionaire to complete and gave me six weeks to do so... I just had a text msg to say three weeks later they are still waiting questions: can they really give me timescales to complete their form? do i really need to complete their form... can i send them a completed fos form which requires much less information? shouldnt i send them one sar for full statement for each acciunt? any help would be gratefully received zubo
  3. Hello I am very confused not least because my wife has walked out on our marriage after 35 years and apart from the relationship upset there is a considerable amount of property in the mix. Unfortunately she left in the last tax year so spousal transfer without CGT is going to be a massive problem. I have spoken briefly to a solicitor but he just confused me even more. I have no issue with the relationship split but the business split is going to be complicated for all sorts of reasons not least CGT. My wife and I are on talking terms and are both keen to get this done smoothl
  4. Hi all, I bought a property with an ex partner many years ago. I managed the property for the first few years before handing it over to a managing agent. The property was in my name as he was out of the country as the time of signing the mortgage. No declaration of trust was put in place but it was always agreed to split it 50/50 and there is an email showing this (and that intent). The property was sold 2.5 years ago and following a previous legal matter, where the ex wanted access to the property's accounts, my solicitor at the time, who sold the property, agreed to hold
  5. Hi all, First of all I have been a bit cheeky, but if anybody could clarify the below it would be appreciated. I returned to the UK last month and the SLC want 5 grand off me upfront for loan arrears and additionally I need to pay the remainder of the debt off via the PAYE system. The amount to be paid off via the PAYE is for around another 10k and will be paid off in due course. My question, as I cannot afford to pay off the full 5k. Has anybody been in this position before and if so what was the outcome? I hoped that the arrears would be consolidated with the remainder and I
  6. I received a CCJ for £400 from Bryan Carter in January 2008 that I have almost paid in full now. The actual debt was £8,000 and reading through these forums, I am already anticipating the 2nd CCJ for the same debt. I've read a lot about how this is against the county court rules - is there a definitive wording to put when you contact the courts to make sure it gets set aside? It seems like so many people have this issue, it may be good to get a template together for it. Also, if this hypothetical CCJ is set aside after they try to chase me for £7,600 - what is the status of the deb
  7. I am writing on behalf of the daughter who has recently split with her boyfriend so i will try and keep it as simple as i can They split up a few weeks ago, the goods were in his name but its her house and she paid the payments The goods have been paid LESS than a third He split with a bit of animosity and told them to collect the goods, she went to see them to carry the payments on but they would not let her. They said they would have to collect the suite and she could try to get another new agreement. She is a young girl on her own with young daughter and having the
  8. I will keep this as brief as possible. A letting agent was initially approached to a tenancy and the applicant was asked to provide a 'guarantor' to the rent. My 'client' was willing to stand in that capacity and he completed and signed an application to become the said guarantor. That application was then processed and due to him not having a high enough income his application was refused. The letting agent and LL agreed the tenancy to the son without a guarantor. The son later ran into arrears with the rent and eventually he left the property. The landlord then took to recover
  9. TSB bank website suffers outage within hours of relaunching as a standalone bank, with all Lloyds Banking Group customers reporting problems. The new TSB bank appeared to have had less than "seamless" launch after the website crashed on the morning it launched as a standalone bank. The websites for other Lloyds Banking Group brands were also affected. Customers took to Twitter to complain about the problem. @emmatempsx wrote: "things need to be paid today and Lloyds TSB online banking isn't working. brilliant." Beckie Hughes @BeckieBeveridge wrote: "The Lloyds TSB site won't
  10. 4 Months ago, my wife and I split. I had been subject to years and financial, emotional and physical abuse, so my head wasn't in the best place, I wasnt aware of what benifits etc were being claimed , I had a budget given to me of £5 per week and that was it as far I knew anything about money, I worked and earned good money but never saw it, my ex didnt work and controlled everything. One of our children elected to come and live with me at the time of the split. My ex wife , then started throwing loads of disgusting ( and proven , false) allegations around , further adding to t
  11. Hi, I would like some help with a county court claim I havereceived on the 10th july which I have acknowledged today online. Here are the POC Part only of monies due under regulated credit agreementnumber xxxxx/ xxxx between HSBC Bank plc and the defendant the benefit of whichwas assigned to the claimant on 20/12/2011 The agreement terminated upon thedefendants failure to comply with the terms of the agreement and/or thestatutory notice of default served by HSBC Bank plc. The claimant seeks interest pursuant to section 69 of thecounty courts Act 1984 at the rate of 8% per a
  12. The Governor of the Bank of England, Sir Mervyn King, has accused senior bankers of letting down their colleagues and giving customers “shoddy” treatment. King said that the the banking scandals unearthed this week reinforce the need for the recommendations of the Independent Commission on Banking, led by Sir John Vickers to be implemented, in particular the splitting up of retail operations from investment banking. Sir Mervyn said: "I would hope that Parliament would legislate on that as soon as they feel able to do so – all of the Vickers proposals. That is what we need to do to change the s
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