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About Me


Found 6 results

  1. Hi all, I am new to this and I hope the good people out there can help me. I used to be in terrible debt problems in the second half of the 00's and beginning of the 10's - with many credit cards and unsecured loans. All of which I was paying large amounts of penalties and interest. This was with Lloyds, Natwest, Egg, Virgin and MBNA. A few weeks ago I received a letter from MBNA (relating to a Virgin credit card account) saying the when my credit card account was in arrears they should have sent me a notice of sums in arrears on 21st September 2009 but as a result of an error they didn
  2. 16/11/15 Loan Start Date £200 26/03/16 Default Notice (Did not receive) 01/07/16 Default Registered 26/10/16 Account Settled 17/08/17 Complaint to Creditor (Dismissed) 31/08/17 Referred to FOS (Ongoing) 07/10/17 Letter from Creditor (Very important) Summary: Took out a payday loan for someone in my name - stupid I know. The agreement was signed and funds were transferred on 16/11/15. No repayments were ever made. Apparently a default notice was issued on the 26/03/16 but I do not recall receiving such notice. A default was then registere
  3. Amongst other issues dispute with Welcome Finance, initially attempting to repossess car "forthwith no court order needed" as it was "linked" to a joint personal loan the hp in my name only and not in default +over1/3 paid Dealt with that one sharpish. When over 1/2 paid finances tight with divorce very carefully enquired regarding re negotiating payments advised not possible so again very carefully said that I wished to exercise my right as sufficient sums had been paid to return the vehicle in full settlement, after some time I had to sorn it and put it into secure sto
  4. I have been trawling through this site for some advice but cannot find the exact answer to my question. If a Notice of Sums in Arrears is defective then no interest can be charged during the period of non - compliance. Does that include contractual interest on my agreed contractual payment? I mean if I take out a CCA loan I was wondering if its better for me to default and get an interest free loan should the Notice be defective then explain to the credit reference agencies to clarify the default on my credit file as the lender would have incorrectly charged and therefor
  5. We have had a reposession order suspended on our flat that we rent out for four months now while sale of the property goes through - we have had to extend the lease in order to sell the property...landlords gave us estimate and on that basis we agreed price with buyer...we have just found out that the actual amount they want is far higher and this puts us into negative equity alongside all the other expenses of the sale... We may have no option but to allow the property to be repossessed if thats the case what are the repercussions financially? Is our obligation to mortgage company satisi
  6. Hi, I recently sent a SAR to Welcome and have received a statement that shows a "Principal Credit Adj" of £573.96 with no other explanation. I have managed to find various letters and documents that I have scanned onto this post. None of this makes sent to me, can someone have a look at them and tell me what might be going on? If I go by the latest notice the balance outstanding is more than the balance shown on the notice from "their" collector who I pay. I am still waiting for their SAR by the way, these are just my documents. I have to upload them 5 at a ti
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