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    • I would deal with this the same as I deal with the Parking People.    1. Get stroppy - fight for your money back. 2. Tell the debt collectors - this is harassment - and charge them £196 every time they write to you. 3. Court action for the return of your funds.   Or write off what you've paid and accept the lesson on the chin - but maintain the issue with the debt collectors if they pursue.    These people are utter [Insert Your Own Words Here]   Richard (Nobby)    PS Oh and edit the post to put some space in the post if you can.     
    • Hello and thank you for the detailed answer.   I have checked that website. The MPRN matches with my bill and the gas supplier appears as EON. Then, out of curiosity I checked my neighbour supplier. I know that they have the electricity with EON based on their smart meter, but their gas supplier is British Gas. I do not know how frequent it is to have different suppliers. Either way, It seems like EON is supplying my flat (based on those numbers), but I still have doubts with regards to which one is my meter and whether I am right when thinking that I am using the wrong meter.   Any suggestions  from this point?       Hi! Thanks for the answer. I am afraid I will have to do it. I just want to be certain before going down that road. Additionally, how will they evaluate my consumption if there is no initial reading to estimate from?   Many thanks!!
    • Hi thanks for the reply and good point. Well after I run the HPI check, I read a lot and also came to know TAX is not transferable, so I went to the gov.uk web and paid the tax in full for the whole year. Since then, I tried to exhaust the web for any information related to this car and made a list of past owners (because I am not sure who holds the title with Moneybarn since Moneybarn will only declare a good faith title if I purchased the car from their customer). So in total there are 5 registered keepers/owners of the car  (incl. myself). From the service records I traced the first ever driver/owner, he said he returned the car to Mercedes, so it means he leased it and the car was registered with a lease/finance company. I could not get details from Keeper 2, but it seems he sold the car after 3 months. Keeper/owner-3 also no details but he sold the car after 12/13 months. Keeper/owner-4 is the seller I purchased the car from. Keeper/Owner-5 is myself.   I tried to trace more and more and used google tools as much as I could, and found out that the car was advertised on July 2020 and Aug-2020 by a car dealer in Sussex on Gumtree! And the car was sold by them on the 29 Aug 2020...so most likely it was sold to Keeper/Owner-4, from whom I purchased the car.   So I made a list of past owners and tried to identify who could hold the title with Moneybarn...after weighing in my assumptions and findings, I came to the conclusion that Keeper/Owner-4 may hold the title. And since the car was advertised by a car-dealer, then I assume they should have run an HPI check. Maybe, just maybe, Keeper/Owner-3 may have traded in his car at this dealer and the car dealer took the Mercedes in as p/x exchange.   So today, i will drive down to the car dealer in Sussex, and try to find out more. If Keeper/Owner holds the title, then I have a better chance to get a Good Faith title from Moneybarn. I never thought I would run into this nightmare but I am weighing down my options, if I have to loose the car, I will try to loose it royally and drive around EU before returning it in the most deplorable state I can.   But then again, if Keeper/Owner holds the title, and he does not default his payments to Moneybarn, can they still repossess the car?
    • Thanks for the reply, BankFodder.   So far I've spent just the £52 on delivery. He sells a lot of stuff on eBay but I think he's classed as a private seller. 
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
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      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Help with loan consolidation with Santander


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Hi Alll

 

 

Not sure if posted in correct place but here goes.....

 

 

The situation

 

 

Debt

Abbey Loan = £2000 (1 year to go ) roughly £116 a month

Abbey Credit card = £4000 (paying min each month) roughly £148 amonth (repayment term forever)

Cahoot Flexi Loan sold to Santander interest rate gone through roof = £4000 (pay min each month) roughly £148 a month (Repayment term forever)

 

Unfortunately I was made redundant early 2010 and missed 2 months payment on all 3 accounts, however now back in employment and have caught up with all the arrears and back on track.

 

I contacted Abbey to try and consolidate debts so that i had 1 payment per month and a fixed period at which point i'd be clear of debts however they declined as my credit score with expieran showed i'd defaulted even though they acknowledged I was now back on target and at thier own current loan rate's I would be paying 25% less per month and clearing debt in shorter period (see example below).

 

 

I.e current Santander loan rates Jan 2011

 

Debt £10.000k, over 3 year repayment period = £309.4 (7.4%) - A saving of over £100 per month in payments and knowing i'd be clear of debt in 3 years.

 

I also approached Barclays bank and they declined again due to my credit score with experian...

 

 

So any ideas or suggestions most welcome or do i just sit back and carry on as I am?

 

 

Regards and best wishes to all

 

Jdmave

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reclaiming of charges & PPI?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Hiya

 

I didnt have any PPi cover and charges where £120 which i paid as knew it was my fault at the time but now feel that I should try and claim these back just for the fact they clearly didnt want to help and would rather make more money out of me by trying to keep things as is..

 

Larger payments and years longer term

 

 

Regards

 

 

Julian

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