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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.
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smartypants55

rci financial services - mab law claim form

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hi all urgently need your help

 

i was a limited company and took out a contract hire on a nissan which i was personal guarentor. 2 years in to a 5 year contract the company seized trading, i held on to the vehical and tried to make payments as i knew i was guarentor. i couldnt afford to pay anymore so i asked nissan if they would take the vehical back which they did and said once they had sold the car then i would be able to make a arrangement to pay back the balance.

 

about 6 months later a received a letter from Matthew arnold & baldin llp stating i had 14 days to make full payment otherwise the would take court action. i imeadiatly called mab asked if i could make arrangement to pay, the lady dealling was on holiday i spoke with her boss he said send her an email explaining my finacial sit and offer. which i did. i tried calling lady dealing a couple of week later left message, she never responded tried again about a month later left mess no responce. forgot about it for a while and about 2 months later i called her again and spoke with her she said she hadnt received the email or any of the messages. i explained sit she said arr shouldnt be prob but needed to fill in a inc & exp form. received it next day filled it in and returned the next day.

 

never herd anything for 3 months( i know i should have chased but kind of forgot).

 

15th july received a cc claim for for full amount. i called mab law stated that they never received fin statement and because of that they had taken action. now this is where it gets tricky, i cant have a ccj in the job i do i informed them of this they said the apprciated that but were going to continue regaurdless.

 

i called rci direct told them of my prob they took details and i put my prop fwd and said they would be intouch. the next day i had a call from mab stating that i wasnt to speak to rci direct and that threy will accept my prop but only backed up with a ccj. i tried speaking to rci they said i should speak with mab i said they wouldnt listen to me she said i should get a loan to pay it off, i told her i have 160k of debt in default but have neg payment plans with all of them but obviously cant get a loan, she said she would get a manger to call me.

 

1 hr later i got call from mab (ladys boss) statung that i wasnt to contact them and that they were going to proceed with ccj, begged him to allow arrangement without ccj which would cost me my job and thus be unable to make arr payments. refused to listen told me again they are proceding with ccj:-x.

 

i have returned claim form with list of my debts, my offer and copy of legislation confirming i will not be able to continue in my employment if a ccj is imposed and a letter begging for help.

 

 

please help me i need to work to be able to pay back the money i owe, obviously i could just go bankrupt and screw them all but everyone but rci-mab have been decent and do want to pay all of it back. i have a 2yo and a 3yo and wife is 7 months pregnant this is all getting a bit too much to handle

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Also who do i sent the subject access request to rci or mab law

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Also, 1 other thing i have never received a default notice nor did the company. the address they had for me (as the guarentor) had was about 6 addresses ago

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and again, one more thing.

 

been reading various posts, am i right in thinking that they should have provided a copy of the cca with the claim form???

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