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    • Hello, I hope you're all well, I just wanted some advise on my debt situation. So currently my debt is a total of £17,000, 7k to Amex and 10k to TSB as a loan, now I have never missed a payment and I have always been on time but I have had some personal circumstances that mean I need my money and I cannot afford to pay these loans off for the time being. I'd need around 4/5 months and then ill be able to start making the payment again, I've been reading on the forum and I have seen many options but I'd like to know what the best option for me is. I don't want and IVA or DMP and nor do I want to go bankrupt. I've read about defaulting and minimum payments etc, Say if I didn't pay anything for 4 months or maybe paid bare minimum then once the 4 months is over I make up for the payments? Sorry If I sound stupid but I am just trying to figure out the best option before doing something stupid and going for an option that is more feasible. Thanks
    • For NI it depends on how you pay. Pension Contributions come out via your gross pay as a deduction = You pay NI. Pension contributions come out via salary sacrifice = You don't pay NI. You wouldn't pay income tax on it either way.  
    • Hi Isn't the pension contributions tax exempt - so take Gross - pension = taxable income?? Obviously the Tax Codes and Thresholds will play a part in the calcs as well G
    • Yea the counter is open 10-4 apparently but in reality if you go to the court and go to secuirty just refuse to go away and ask them to call the civil team they will eventually and they'll take the payment  
    • Update My insurance declined the claim since lung cancer was a 'pre-existing' condition at the time of booking Will try and ask BA to reconsider, otherwise I will lose several hundred pounds Probate (or rather the equivalent here in Malta) is completed and took 2 weeks from receiving the official death certificate Have now sent off all the necessary closure forms to Pension, Insurance, UK Bank, etc. Just need to visit the embassy to have her passport cancelled G
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Hillsden Securities/Credit Expert Default


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Hello All - quick bit of advice please. Hillsden Securities bought my credit card debt off Virgin Money - despite a CCA request back in Oct/Nov 09 - I have received nothing from them - infact I have no evidence at all they own the debt!! I noticed from Credit Expert they are reporting a default against me - surely they cannot do this?? Do I write to them and who do I complain to?

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if the debt actually exists and is yours, getting default removed is going to difficult..remember just because they have failed to send cca does not mean debt just doesnt exist it just means they cannot enforce without going to court

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If they have bought the debt,then they are required to re-register any defaults in their name.

Virgin Money had a duty to inform you that they had sold your account.

Make a further CC request to Hillesden and include a request for a copy of the notice of assignment,a copy of the deed of assignment,and a copy of their complaints procedure.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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To be fair Virgin did issue a default (and told me Hillsden had bought debt) and Hillsden claim to have bought the debt under a 'Deed of Assignement (Absolute)' though despite repeated requests they have provided no copy of this, CCA or indeed anything else. I am currently in the process of adding a notice of correction to my file

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Ok if VM did issue a DN and informed you of assignment,then they followed correct procedure.

Again though,they should be in posession of your account paperwork.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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In addition, have you posted Virgins DN on here for people to check its valid?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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You will not see a Deed of Assignment. That is a list of business transactions with your debt being only one on the list and only a court can order it to be produced. What you are looking for is a Notice of Assignment from Virgin Money to say the debt has been assigned to Hillesden. And I wouldn't be fair to any of them until I had seen a copy of the agreement and had checked that the Default Notice was lawful. If you post it, cover over your personal details. If you don't get a copy of the agreement within 12+2 days then send Hillesden the Account in Dispute letter. Show them you are in charge of this , not them. They have no power over you whatsoever and like all DCAs they are all wind.

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