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    • are all of these debt owners or were the original creditors aware of your current correct address??   bottom line ..have you moved since taking them out??  
    • AFIAK....there is no such thing as the 6+3yrs rule...………..   the 3yrs only runs from when you reasonably became aware...   now if the creditor wrote to you at the correct address..then so be it... if they didn't then the 3yrs has never started..?????    
    • Hello No need to apolgise, thanks for taking the time to help. So from the above do you think I should go back to them now with that information or just go direct to the FOS?
    • Hi Egawe and welcome to CAG   Firstly, can you please confirm the amount of the suggested admin fee as £12 is lower than previously and normally charged by Harlands/CRS.   Send the letter to Harlands offering to pay the missed fee but no more. As DX says, post the letter.   If they fail to accept the offer, cancel the DD mandate via your bank. And if they use the DD mandate to take any amount in excess of the monthly fees, you can reclaim this using the DD Guarantee Scheme.      
    • Hi All,   I hope I'm posting in the right place.     I have about £40k in unpaid debts (cards, loans etc).   They are pretty much all over £5k and nearing the 6 year since default time frame...   The first is into the final 12 months now... Capquest... £11k, they own the debt.   Ive been expecting collection efforts to step up as the SB line approaches with them all.     The situation is that I could pay these but call me morally bankrupt... Id rather eat you know what at this stage.   If any of the so called creditors look into me they'll see that I'm worth chasing.     Having nearly got to the 6 year since default period I won't allow a judgement to show for another 6 years.   How likely are they to try and get one?     With debts over £5k is small claims not an option for them and will it cost them more to take this to court?     My question is this....... They are offering obviously settlements for less.   Capquest 40% of £11K... Id hate to ignore all this and end up having to pay the full amount as they take it to court.... How likely are they to do this?     If they do will they still take a settlement when proceedings have commenced? (Hence nothing to lose by waiting).   Companies in question are: Intrum Uk Ltd Cabot Credit Management Group Ltd Aarrow Global Ltd    I just notice as I type that Capquest are not noted on my credit file and must be part of Arrow Global.... They have also made subtle threat on their latest letter with the wording "Our additional enquiries have indicated that you are a homeowner at the above address."   Most of the defaults were around 2014 for agreements taken out 2008 -20012.   Original creditors... Halifax, Tesco, Virgin Money.     In Northern Ireland so PAP doesn't apply I think.   Any advice appreciated. Regards Diedebtsdie              
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies

Gemster vs RBS - weird one ? HELP !

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My husband and I run a company. This Feb we went to switch the Business Account from HSBC (boo) to RBS, we also asked at the time to have a £15,000 Business Loan to help launch a new product. We filled in the application forms for a new account and loan, etc and waited and waited and waited. I received a call from the person I was dealing with in branch and they said it had flown through. Yes! we though and ordered a new website and put stuff in motion for our launch. We signed personal guarantees (any help with these also - my parents got stung by these not long ago and had to pay put £70,000) for £15,000 (oops). We heard nothing. By this point due to commitment from the things we started we got into real trouble with HSBC (unfair charges claim going through now - thank you!) both personally and business wise. This wrecked our credit scoring completely!. RBS rang and said they had lost all the application forms and could we come in again, we were really worried at this point because any credit check (this was now June) would look really bad. Sure enough they rang me and said the loan couldn't be put through and they couldn't open an account forus.


We had been into HSBC to try and ask for help to get us through this time and a long story short on them, they have admitted negliance and we are going to try and seek compensation - no idea how - help here as well please.


I rang RBS back in cold fury and asked for all our info to be returned and the personal guarantees to be destroyed. We had some of our stuff back, they have lost some of our business card statements and receipts completely and she said the personal guarantees would be destroyed.


We then wrote to RBS again claiming negligance against us for losing our application forms, etc. They rang back and said we could have the loan, which we ha deposited in our HSBC business account. We did not sign any further documents for this loan, we have not seen a loan agreement we were just told to deposit £196.08 every month in this 'holding account' they had set up. We don't know how long the loan is for, what the apr is, anything. I had a statement from the holding account the other day and I notice that the loan is mine and my husbands personal names and I'm really worried, we will be trying to get our first mortgage soon and already have an unsecured consolidation loan for £20,000 with HSBC and am worried this will affect our ability to get a mortgage.


Does anyone think we can get out of this loan? - I read on someone else's thread that if the lender can't supply an original signed document in 12 days it is unenforceable?


Also due to the length of time this took to sort out and the trouble with HSBC too, this money came in too late to save the Business and we having to close the company. I have a personal guarantee with HSBC for £7500 - do you think I could get out of this as they have admitted negligence.


Sorry so long







HSBC - Owed £1315, settled at £1150 - 08/06

First National Tricity Fiance - Owed - not sure ? DPL sent 20/09/06

Alliance & Leicester - Owed £595 - Moneyclaim started 20/09/06

HSBC for Dad - Owed £1500 - Moneyclaim started 20/09/06

Capital One - Owed £495, Settlement Rejected £195, LBA sent 12/09/06

Barclays for Dad - Owed £3200, LBA sent 12/09/06

SPML & Blemain Finance for Mum & Dad - Awaiting Statements could be huge !



Failure is not an option ! - NASA

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Right, im sorry i can't be much help but i may be able to help you locate things you will need to chase this. You need to contact some credit agencies and for two pounds you need to view your credit file and see what is on file for you to see if there are any errors on here you will find these at Your Credit Report Help Centre, from Experian UK and then for Equifax its at https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_elearning_credit14 i think you will then need to send in a Consumer Credit Act Request to the bank asking for all information on this that they hold on you. Other people will come in here and help you further. Cheers. Good Luck.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"


My advice is only my opinion, I am not a legal expert.



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