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    • Good Afternoon,   I am hoping to receive some advice regarding the below topic.   I was looking to purchase a property off-plan with a incentive attached and in order to secure this you pay a 'finder's fee'.     The fee was paid but then the property was un-mortgageable due to various reasons including the incentive being offered.   Having gone back to the agent to ask for a return of the finder's fee - they have refused saying that the incentive does not need to be disclosed and that essentially my broker is useless and I should use theirs!   Their broker also advised it would be hard to get a mortgage with the incentive disclosed which backs up what my broker has said.    This fee will now be kept on account.     I signed a form which confirms that the finders fee is non refundable - which was my error I should have checked if the property was mortgageable beforehand - however I wondered if there was anything I could do because:   The property is un-mortgageable - my broker tried all lenders including those who are happy with the incentive which was offered They have advised to withhold information which is clearly questioned in the mortgage application process   This is not a case of pulling out, this is a case that I cannot get finance and so cannot proceed.   Thanks in advance.
    • Hi all,  just wondering if i could get some help. me and my ex wife decided to get a loan back in 2017....i was continuing paying it but she didn't even though she promised me she would pay it as i agreed to it... and we split up in 2018, i was sectioned under mental health due to her behaviour.  short story... i came out 6 months later and she did not pay anything, my inbox was full, my phone with voicemails. i was not expecting this..... this loan was for £2000,    i tried to call her obviously she changed her phone number and email address, 2020 still not heard anything from her.... sent her letters she choose to ignore it.....   so i thought i come on here.... see you can make a complaint about responsible lending credit search.... behold just got a reply from progressive money....   i've also complained to amigo loans.... that is again she didn't pay anything... checked credit karma £11,876 on £7000 loans... hopefully something comes out of this....  - Summary Resolution Letter .pdf
    • Sorry it was 1250l before shielding he 
    • Is the 1250BR his code from before shielding?   Before shielding, the tax code would have been 1250 as this is the personal amount allowed to earn before tax. It should then have been followed by a single letter. The BR at the end means it is an emergency tax code, and that you receive no PFA, this is usual if you have more than one source of income.  This code means that all the earnings from this income will be taxed.   The 605T code is a temporary code, and shows that your tax is still being reviewed.   The changes in codes is due to the change in circumstances, firstly he was in work, then claiming UC while shielding (unpaid I assume), and then going back to work again.   They should sort themselves out, but you can always sign up to HMRC and keep an eye on the codes yourselves, and query anything with them as well.
    • Do as above, and we can find out if it's an enforceable agreement, often it isn't from Lowell.   But from another point of view, as long as they have your current address, why pay them if you only have £30 at the end of each month? It's not visible on your credit file, so won't affect your credit score in any way. This is in no way a priority debt.    
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sj01

credit card statements to wrong address

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Hi, My credit card company has been sending the statements to the wrong address and say they have no information as to where they got the wrong address.

I never gave them the different address.

I got behind and eventually paid when a post card came through asking me to ring a number and it was a debt collector.

The debt collector said I could pay 2000 of the 3000 debt if I did it on the day, which with help I managed to do.

They said that that would be the end of the debt but when I checked my credit score the 1000 was still outstanding. They led me to believe that the debt would be settled.

As the bank had been sending everything to the wrong address and I did not recieve any default notices, where do I stand in getting my credit score repaired?

Can any one help, Thanks.

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Sounds like a serious breach of the Data Protection Act so I would seriously look into reporting the said Bank.

 

Also, what is the name of the Debt Collector?

 

When was the original debt taken out?

 

I'm new to this myself but hopefully someone with more knowledge will be browsing soon enough;)

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Hi, It was credit solutions for Barclays.

The credit card was sent to my proper address in May last year and the first 3 statements and then they stopped and I stupidly didnt ask where my statements were, I just ignored it an ddint pay until I recieved the post card.

Thebank cant tell me why hey changed the address.

Thanks for your help.

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Guest HeftyHippo

make a complaint to the Information Commissioner about this breach of the Data Protection Act. they ve exposed you to serious risk, and if they cannot account for why, they may do the same to others and that will be a concern for the ICO.

 

I dont suppose you have anything in writing from the debt collector as it sounds like he mislead you about £2000 satisfying the debt and that is grounds for a complaint also

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Guest HeftyHippo

make a complaint to the Information Commissioner about this breach of the Data Protection Act. they ve exposed you to serious risk, and if they cannot account for why, they may do the same to others and that will be a concern for the ICO.

 

I dont suppose you have anything in writing from the debt collector as it sounds like he mislead you about £2000 satisfying the debt and that is grounds for a complaint also

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Hi, I don't have anything from the debt collector. it was all done over the phone. I did get a letter telling me that the lender wouldn't pursue me for the balance but that didn't get it off my credit report which is what I want. I would have been better off just paying it off slowly as I have gained nothing.

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