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About Me

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Found 5 results

  1. Just food for thought really, Am repaying a debt through Motormile Finance which I started over 6 years ago, old threads are on site.. This debt although now less than 400 quid which is great, fell off my credit report this month, hurray. .. just have to get rest paid off now. ... Got a E mail last night, they have under taken another small debt, looks like an old pay day loan for less than 600 quid, I will dig ALL my paperwork out to find exact debt... they e mailed stating I now have two open accounts and the monthly payment that I pay, WILL be SPLIT between repaying both debts, what woohoo, can this be done, surely not.. . The monthly remittance is to pay the debt I am aware off NOT to be split between one I know little about and possibly arguable, IF the next payment is split between the two debts, then surely that would result in admitting the debt, since my debts are now 6 plus years old, and been paying off for same amount off time, I think this is a very CHEEKY Tactic and will get people admitting to debts they now aware off. I'm okay contacting them in writing etc just wondered if anyone else has had such a bare faced cheek tactic been sent to them... known or unknown....
  2. As always, hoping you can offer me some advice. Had an IVA from 2005-2010, completed it in full and never missed a payment. Got my certificate of completion at the end, all good. Since then I have had a few successful CC's, again never missed a payment, top credit score of 999. Took out a Barclays business account in 2011 as a sole trader, IVA posed no problem at all, never had a problem with any business account. Converted sole trader to Ltd company recently and applied to Natwest for business account and after waiting over a month for my account, they tell me that because I had an IVA, they want proof that I have completed it. It's so long since finishing it that I can't find my completion certificate. Got an appointment to see Barclays next week and mentioned the IVA, they too want proof that I have completed it. Nobody has brought up the IVA since I finished it, many have given me cards etc and my record if perfect. What is the point of me completing my IVA like a good boy when Natwest are going to be so prejudice? I know I could ask for another copy of my completion certificate, but I feel like I am being punished for something which is both private and also unfair as I have completed it 3 years ago. Where do people stand when they have completed their IVA's?
  3. We are seeing a few people report that they are receiving letters from Bailiffs in respect of defaulted pay day loans or other consumer debt. If you have received communication from a Bailiff company and it is not in connection with a warrant / fine / court judgment / council tax, can you please pop a link to your thread in this thread. We would also like to see copies of these letters - unedited - if you are happy to provide us with copies, please let us know so we can provide you with a secure / private email to use. Thank you.
  4. So sorry to hear this news, just lost my mum so can feel the familys pain. Sleep peacefully Martin x
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