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  1. .. I sent off a CCA request six months ago which has not been provided, the account is in dispute, i have been receiving 'arrears' letters since. My question is, would it help to send back the latest arrears letter with a "No contract. Return to sender" label, or sit on my hands? Thanks Pencil.
  2. My wife has been getting calls and texts from Cabot for weeks telling her to call them about a matter they wish to discuss, but they ask for her grown-up daughter's name. She has happily ignored the calls and texts, nothing to do with her of course. A letter arrived recently advising that Restons were going to make a claim in court for over three and a half thousand pounds, not a trivial amount so they may actually try. BUT, the HFC Bank account was started in 2006 and defaulted soon after when my step-daughter lost her job. The letter states the account was terminated in Janua
  3. Hi all My stepson aged 30 recently left the family home after living with us for over two years and moved in with his girlfriend. Although his mail came to our home, he was never on the electoral roll as residing here. Having cleared his room following his departure, we found a large quantity of unopened mail from creditors and a CCJ from a few months ago demanding he maintains his agreed £100 per month payments. Yesterday, a bailiff turned up at our home demanding £1,750 that my stepson has run up as a debt, but with whom I don't know. I told him that he moved out in November to an
  4. Step-daughter had a loan with Beneficial Bank back in 2006. Part of it was to repay a previous loan too, so two PPI claims to be made - maybe more. Have just sent SAR to HFC Bank in Coventry to see what they can tell us. We have a copy of the 2006 agreement, detailing the loan, repayment of previous account and PPI.
  5. Hi all, Please forgive me if this post is in the wrong place: Having used a number of doorstep loan companies over the past 10 - 15 years mainly KDS Finance & Provident Personal Credit to name a few I wondered if they had been fair with both myself & my partner. The first question I have is if I took out a new loan that re-payed an existing loan should I/we have received any interest back due to paying the first loan off early? My 2nd question is at the time I thought that they were helping us out by offering the loans to us as they never checked our finances correc
  6. Hi! This is my first post so please bear with - also @ mods/admins if this isn't quite the right section please move me! I've recently been told I have been made redundant and have 2 weeks left until I am out. I've talked with everyone I have monthly payments to and cut back as much as possible, but I'm a bit concerned about my car's finance. I can get a temporary part time job at a friend's business that will just about pay for the car (part time, about £750 a month so will get about 550after taxes, etc according to income-tax.co.uk) but I do not know if that's the best thing
  7. Hi all I have been on a DMP for 12 years. I have inherited a little money and want to clear down the remaining debt. I have written to all the creditors and made offers of approx 30% of the outstanding amount split proportionately between them. The total outstanding is £7500 and allocated funds are £2500. I could be pushed to clear in full if I had to, without borrowing, but would rather clear for significantly less. I have so far received one reply from Cabot, the largest of the debts, refusing my offer, and suggesting I pay £3856 to clear. I've listed below the
  8. I parked at Euro Car Park on Aytoun St Manchester and forgot to pay. A few weeks later I got a demand to pay £100 as RK I replied with the same CAG advice that has helped me in the past which is : 'As RK I am not liable for this charge. Cancel this charge or alternatively issue a valid code for POPLA. At POPLA I shall be demanding a full breakdown of the genuine pre estimate of loss that this charge must represent. I am under no obligation to name the driver of the vehicle at the time of the event. No further correspondence will be entered into.' This has w
  9. Hi Brief history - blind company insisted on fitting blinds I had told them I could no longer afford and that we would arrange payment in due course. I struggled at the rate they wanted £50 a week (total debt £950). I couldn't keep up, they started small claims but didn't continue with it - would have been easier if they did as I could have given a lower amount. The business owner then called round to my house for the money. it was the night before I had a c - section (which I was having earlier due to a heart condition) . They continue to email me whil
  10. Good morning A bailiff attended my mother in laws address to retrieve payment of near £1200. The debt is owed by her step son for driving offences. We only know this much because we read about it in the newspaper. The step son used to live at the property over 2 years ago - and hasn't since. The family no longer speaks to the son, and the bailiff visit came as a bit of a shock. The bailiff was rude, arrogant and happy to shout out repeatedly that he was going to take goods if she didn't pay - making a scene presumably for effect - he even threatened to ring the police
  11. The Consumer Action Group Guide to Payday Loan Reclaims & Irresponsible Lending. Latest guide includes info on dealing with CMC (Claim Management Companies) & When a company falls into Insolvency / Administration. This was updated in Sept 2018 PDL_Claim_Guide.pdf
  12. Good Morning! Does anyone know how I can stop a door collection agent from Provident attending my home? I missed a payment collection date and was unable to notify the agent as my phone died. The agent then attended my property 4 times that evening knocking loudly from 9pm. Has anyone dealt with Provident before? The whole doorstep collection process for the sake of £100 loan is getting ridiculous. If I can come to an arrangement and deal directly with them that would be ideal. Any advice would be appreciated! Thanks very much. Kind regards P
  13. the above has returned home from university with nothing "flunked" her degree poor kid she went to local job centre had her interview for u/c went 2 weeks after for 2nd session now she has come back and said she doesn't have to go anymore and that the advisor states she will keep in touch by phone or email (she hasn't received any benefit yet) I don't understand this as you here about all these sanctions etc can someone please advise as I think she maybe trying to "pull the wool over our eyes" basically because she doesn't want to get out of bed, much the same as when she went to unive
  14. I am trying to get my finances in order and have been reading up on forums about those who have had successes dealing with DCAs, but unfortunately my accounts don’t seem to make sense. I have four default accounts on my credit file, showing a D sign every single month on my account, but I have three payments from DCA going out of my account two I know why I am paying but PRA I don’t know what its for, and the two bank account overdrafts I have defaults for I don’t know what is happening with them and what to do. Should i send out CCA letters to all creditors including barclays and
  15. Hello, I have a question and I was wondering if someone could help me. My manager has some health issues ( depression among other stuff) and during the past 3 years he has been off for a total of 9 months. 5 and 4 months continuously during 2 years and has now been off for over a week. I have a feeling he will get another long term leave which of course as it is health related I totally understand he might need it. But the issue is that every time during his long absence , I end up doing his job and it involves allot of stuff. For the 9 months I did his job I receiv
  16. Imagine some Eurocrat with his finger on the nuclear trigger. If the EU gets its way, it may soon be a possibility. There is a saying amongst diplomats that the EU is an economic giant but a military pigmy. This accusation stings the Europhiles so much that they have decided to address this and create a European Army. As if an army of bureaucrats wasn’t bad enough, now they want to have an actual army as well. Post Lisbon, the EU has harboured fantasies of being a militarised superpower able to project its ‘values’ throughout the world. It now oversees operations with 2,800 troops de
  17. In brief - We went to a local independent flooring company, wishing to purchase a wood floor. The owner talked us through the various products, came to our house to look at the area it was for, measured up, checked the subfloor etc. He then recommended a product for us, ordered it and arranged for "his team" to come out and fit. He arranged the day and time they were to come out and told us that we should pay them cash on the day. In the meantime, he took moisture readings, spoke to the manufacturer and also the manufacturer of the underfloor heating we'd had put down, to check what u
  18. Brief summary/history Other half's card. Commenced 1998, defaulted 2006 with interest frozen from that date. Default card balance was £6,500 - progressively paid/reduced to just under £5,000. PPI claim made October 2012 - initially refused but upheld by the FOS on adjudication. March 2014 NatWest credited £4,664 to the card, leaving a balance of £323. By my own (spreadsheet) calculations the payment should have been some £1450 more than they paid. Their payment was arrived at as follows: Refund of payment made 1998 to 2006
  19. Hi I would like to send a letter to my loan company offering them an increased payment monthly to clear off the arrears on my account. I have completed a budget sheet and will include this with my letter. Is there a template I can use, or can someone help me with the wording please. I have received default notices and i think the lender is taking legal action and looking to repossess. I want to stop this if possible please. Thanks.
  20. I'm just wondering whether anyone has any information on Rayners who offered door step loans. They seemed to operate in the Grimsby and Scun-thorpe areas, where one of my relatives lives and she's owes them around £1K. She was recently told by the woman who collects her money each week that Rayners have sold up and got out of the business, but still has to pay. My relative has had no information regarding this or anything else from Rayners in quite a long time. I've searched the internet for information about the company and searched companies house for them,
  21. Hi all! Not sure if this is in the right thread, but just need some words of advice. I keep getting calls from a company called 'Next Step Money' based in Hull. I got to speak to one of their reps today, and wasn't shocked to find they are a ppi reclaim company. The worrying thing is they knew EVERYTHING about my loan, that I have just paid off with First Plus. They knew the original amount, loan term and names on the account. Apparently they are brokers for First Plus? My question is - how do they know so much about me? - the loan was taken out direct? And where have the
  22. Hello all, Friend of mine had a debt of a personal amount of £5400 outstanding that went to the Sheriffs Office. Its a long story but to cut it short her bank account was hacked and the bank agreed to settle the amount this week. So she is now in a position to pay the money back So here is the advice needed, the claimant has asked for a copy of her bank statement as proof she has the money which she is not comfortable with doing - are they entitled to ask for that - and they are also asking for compensation for the timeframe taken, she is happy to do this but she
  23. Hello all, Thanks in advance for having a look at my post. I've been abroad since finishing university in 2004, while my loan was taken out in 1999 making it a new style loan. No contact was made by either side (i did not tell them I was moving abroad nor gave any info about my work life) until march this year when my old UK address received a letter asking for income info. I sent a reply stating I am abroad and working and an SAR to boot. 2 months later no reply. I am about to sent the "no reply to SAR within 40 days" letter but I'm worried about f
  24. Hey, Just looking though my credit file and there appears to be some records on there for both Lowell and Capquest which I really don't recognise. Whats the best way of dealing with this ? is it a CCA first to gain a copy of the agreement or have I got the terminally wrong and is there something else that I need to be doing first ? Thanks Scott
  25. Hello Not sure if this is common knowledge but Step Change appear to be doing a settlement scheme for debts. I will use hypothetical figures. Lets say you owe a combined amount of 11,000 they will confirm a minimum requirement for them to work with you say 7,000 (approx could be slightly less) Now the reason I would consider using a Debt Management company would be that they say on their blurb they have all their best experts in this department and have contacts, negotiating skills etc so it might be a bit over the odds but may be more successful reaching a settlement. and
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