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    • Hey guys,   I was using a utility supplier for 18 months. Every month, paid my direct debit on time. One day, they reviewed my account and said they had miscalculated my energy consumption and I now owe them £900.    I switched energy suppliers straight away as a consequence.    I am now being contacted by UK Search Limited by phone, email and text message. So far, I haven't responded and don't intend to.   I've checked my credit file. The account with the original utility supplier is closed and settled according to Credit Karma.    So what should I do with UK Search Limited? As far as I see it:   Completely ignore them until they go away (my preferred option) Contact them in some way and dispute the debt   I would be very grateful for any advice on how to proceed. I currently have an excellent credit score.    Thank you,  
    • Afternoon guys.   Just received the following from the dealer I purchased from:   Dear Mr Fish.   Sorry to hear you are experiencing problems with your car.   Unfortunately my contract of sale on this vehicle is with CarMoney Ltd and any issues or complaints will have to come from them. You can contact CarMoney on 0333 4564550 you will need your finance reference number for security.   Kind regards David Wickes GCS Cars Ltd
    • Hi  Has anyone recently had any joy with claiming or at least getting a hold of these people I got a car with them back in 99 and was definitely mis-sold PPI  Tried to claim through a 3rd party but they have said that they no longer have them on their list - I had to state Direct Auto Finance and Provident Financial who were the underwriters i believe    Really need some help    Thanks 
    • Hi,sorry .The Gararge is called Jordan Motors House Ltd. Is there any thing else you would like to know?
    • Lowell Portfolio 1 Ltd   Date of issue 16/08/19.     Particulars of Claim   What is the claim for – the reason they have issued the claim? 1. The claim comprises the following agreements the defendant entered into a. Talk Talk telecom Ltd with reference (Account Number) and current balance 485. b. Vanquis Bank with refrence (Card Number) current balance 596 The agreements were terminated as payments were not maintained and subsequently assigned to claimant. and the claimant claims. a) the total of the said sums being 1080. b) interest pursuant to s69 county courts act 1984 at the interest rate of 8% per annum from the date of assignment to the date of issue. but limited to one year, being 7 C) Costs     What is the total value of the claim? 1317   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card and landline/mobile   When did you enter into the original agreement before or after April 2007 ?  no   Do you recall how you entered into the agreement...On line /In branch/By post ? card on line / landline mobile by phone   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? yes   Did you receive a Default Notice from the original creditor? cant remember   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? yes   Why did you cease payments? on the vanquish card because my wife lost her job and at the same time so did my son so all household bills became my responsibility. the talk talk was canceled by me , due to at least two data breaches ant the mobile was canclled as it was a monthly contract I no longer needed but they carried on charging me for a further 4 months claiming I did not cancel it correctly   What was the date of your last payment? 2016   Was there a dispute with the original creditor that remains unresolved? yes to both   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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Beanie1

Advantage Loans?

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Hiya, Apologies if this is in the wrong forum.

 

My wife applied online at the weekend for a loan and Advantage loans have now written to us advising that they have secured a creditor and all we need to pay is £49.99 to arrange the loan. In the letter there is no consumer credit act or DD guarantee. I am a bit dubious about them asking for an arrangement fee so backed out until I have looked for further advice

 

A quick search on the internet and it seems they are a trading company of CGS Post Net (who?) and there are a lot of negative comments around regarding post net.

 

Has anyone any experience of using Advantage loans or Cgs Post net and are they a company to be trusted?


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Its a cunning ply. You pay £49.99 you then receive contact from several companies, you are not actually guaranteed a loan. I personally wouldn't go down this route. You'd be better off finding your own loan company.

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Don't fall for this, it will wreck your credit rating with about 20 odd searches in one day.... they are known to be poor at finding the best loan anyway.

 

You will be bombarded with letters, emails and phonecalls about loans where you have to pay a further 'fee' of up to £100 to be 'guaranteed' the best rate.

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thanks for the replies folks, gonna skip this one I think.

 

A few years ago I would have gone for it, after being a member of this forum and seeing others getting into stuff I think its wise to seek advice before committing to anything.

 

Thanks again


Halifax + BOS

  • £1300 WON from Halifax
  • £713 WON from BOS

Have I helped? tip the scales

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Hi I have have just taken a loan out with advantage finance company to purchase a car, however I was told that they would provide a free years suscription to experian at no cost.

I have discovered they have charged me over three hundred pounds for this, added of course to the loan, but was told on the phone that i had to take the subscription to show I intended to take steps to improve my credit rating, is this legal, and can i get my money back...sounds like a new ppi type [problem] for comission?frown.gif

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