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    • And with 33% equity nobody will care either.
    • 3 threads merged please keep to one thread.   forget the calendar section of a credit - no-one bar the original creditor and the person can see that   its the summary status line the any potential lender will only see.   so as it stands, she as 1 or 2 in the calendar section which, correctly shows she was either late with the required payment for that month or short paid what should have been.   although these will effect here potential 'score'. as said above only the lender and her can see them
    • I haven't had a chance to read through his contract yet but he is insisting that it says of he leaves his position within 2 years he will have to pay back his course fees. I will read it properly though and get back to you  Thanks for your help so far 
    • Hi all,   New to the forum, so please feel free to move the topic if needed.   I need a little help with a used car: I bought an 04 BMW from a dealer about 2.5 weeks ago. It cost £1,600. I gave it a test drive and it seemed pretty decent so paid via bank transfer and took it home. The issue started when I took it on a national speed limit road as the car started to sway on the road. I reported this to the dealer and he agreed to fix the issue. He took it to his mechanic who informed him that it was the drivers side hub. They didn't have time to fit it so gave me the part and the option to use a local mechanic. The mechanic agreed it would be causing the sway, charged me £80, which the dealer refunded to me.  The car was improved but we went on a short break over the last few days and I drove the car about 35 miles away. The issue now is there is a rumbling sound, noticeable on motorways and it doesn't feel particularly safe, especially over deviations in the road. As the swaying was the main issue I can't say if that rumbling was there to begin with.   The dealer has been fair to me so far in refunding me the money but he did admit he only test drove the car and it wasn't checked over fully when I took it back the first time. My mechanic said the play on hub was so bad it should never have been sold in that condition. I have messaged the dealer this evening explaining the issue but he has been a bit defensive saying the car does not have a warranty and he has already spent money on repairing it. He will need to speak to his manager and get back to me. To be fair to him he has attempted to repair it but for me he should never have sold it without it being mechanically checked over.  What do people make of this? What are my options if he won't budge and I need to take it further. I would like a refund rather than another repair as I feel I have been pretty patient so far. At the moment I have a car that isn't safe and I can't afford to take a £1,600 hit in my pocket.   Many thanks,   Mark.  
    • I have threads elsewhere re a repayment plan (6 months) with Barclays Mortgages during a maternity leave. Arrears now paid, trying to re-mortgage but with great difficulty. Not really advised of dire consequences of this decision, trying to get SAR info but no luck with telephone recordings as yet. Complaint handler appear sympathetic but who knows to what extent. Looked at Which website and they mentioned a Goodwill Adjustment letter which I have never heard of. Intention of this thread was to see if anybody had used this to remove bad markers from their credit files.
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
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hi this is my first post and i am looking for a bit of advice

 

my partner has a loan that she took out when she was with her x husband

as part of the divorce he was to take on a debt but has stopped paying the loan that was in her name i took a look at the loan agreement and it has both there signatures on it would this mean he has a part to pay ??

it also has a box ticked to say she has payment protection but thay say there is none?? she also took out this loan when she was not working and it was for 15k is this the norm??

 

and advice would be wellcome she is still paying the payments but as she is not working i think she can use the payment protection to do this at least till she has taken her x to court to get the money back

Edited by smccullie

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did the court order the x husband to pay, if so simply refer the dca to the courts verdict.

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she has not went to court about it yet as he is not working now (packed his job in cos the csa were after him he was on over 120k a year) and thinks there is no point cos she will still have to pay it cos he is not working. she is still paying the loan to the loan company but i think she should get the loan protection to pay it as she is not in work at the moment but they say there is none even tho the aggrement says there is

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what they mean it when the divorce was granted it would be in writing from the courts that he agreed to pay the loan.

 

if this was not a part of the court order then the loan company are entitled to chase either or both for the loan.

 

i think you nede to send a sar to the loan company to find out what's going on about the PPI.

 

Ida x


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ye the court orders says he would take on all debt taken out

but the loan company say its in her name so she has to pay it

Edited by smccullie

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