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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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      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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I have been sent a letter from K.P.R DCA regarding a Nationwide Flex Account.

 

I owe them £305 in an unauthroised overdraft. The £305 is originally from a direct debit that failed when I was unemployed 3 years ago. The £305 is all from failed direct debit fees, from the orignal failed DB and unathorised overdraft fees. The entire amount is from fees.

 

I cannot afford £305 as a one off and KPR are unwilling to negotiate a monthly payment scheme only accepting a £225 immediate payment. They are threatening court action.

 

The account is 7 years old and the last time I paid anything in to it was 2007.

 

Can I defend this action?

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Hi Ub,

 

I din't know the answer to your quetion, this is all ne to me.

However, I've had dealings with KPR.... Take a look at the small print at the bottom of your letter and you will see that KPR is no more than a pseudonym for an ffice within Nationwide. It is not a seperate debt collection company. I really feal that the 'KPR' identity is used to intimidate the debtor and give an impression of the matter being escalated.

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Ok , well I have been having a read through the forums.

 

The only thing I can think of to help maybe, is to ask you what is the debt made up of?

 

Just straightforward overdraft borrowing or fees / interest / charges??

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I can't really offer advice,just my experience...

I'm in a very similar position. In June of this year my Nationwide bank balance was £1.33cr. I had 4 x DDs bounce because there was insufficient funds. Quite happily, the Nationwide charged me £120 for returned DD fees which I have refused to pay on the grounds that

 

1. I am suffering financial hardship and to try to pay that amount would mean going without heating and food for weeks

2. They've not incurred any actual loss and I fail to see why I should literally bankrupt myself just so they can rack up more profits through other peoples misery.

 

Anyway, to cut a long story short, they've added fee after fee after fee and now I'm being harrassed for almost £250. The entire lot is made up of charges,fees and interest.

They're ready to pass my details to KPR dept who will also be unsuccessful in prising the money from me.

Don't give in to them. You are not alone!

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