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    • I wonder if anyone can help me. I had a loan with a high street bank from about 10 years ago and I had to stop paying because I lost my job. I reduced my payment to a token payment for a few years but I then ceased this some years ago because I took some advice from an online forum which said that I should ask a ‘Subject Access Report’. I did this and I also asked for a copy of the contract with both signatures which highlighted that myself and the bank had a contract and what its terms were. As the loan was made up of an overdraft and a formal loan I thought they would have paperwork. However, eventually the bank responded by saying that they had no contract and they admitted that as such it was not enforceable in court. Over the last year, the bank have again appointed Moorcroft Debt Recovery Limited to use their strongarm tactics. I have not been responding to the last couple of letters asking me to contact them to arrange a payment plan and now their letters are becoming more threatening. Here is the text of their latest letter……. Quote   We are aware that you have failed to agree an affordable repayment plan with us concerning the above account.   As no agreement has been reached we are now in the process of reviewing your account to consider the steps which may be taken in relation to further debt recovery action. The options include recommending one of the following:   ·         1. Continue in our attempts to contact you by letter and phone. ·         2. Instruct a local representative to arrange to call at your home address to try to re-establish contact with you.   To prevent possible further action you must contact us. Failure to contact us by the 22/10/19 will result in one of the aforementioned debt recovery actions being undertaken without further notice.  Unquote As you can see, they are now getting more threatening. I really do not want people knocking at my door – does anyone have any ideas as to what I can do to sort this situation? I do not want to pay for something that seems unenforceable but I do not want knocks at my door either. Any help would be appreciated.   Kind regards    
    • Yes it was a tomlin/consent order I have a recent statement its not showing any additional charges on it. The statement does not show the balance to pay each month, as the contract was terminated in March 17 and the termination bill was added to the account so my payments reduce the account balance £14262.38  Capital £6995.00 Interest £7213.38 Plus 3 x £18 charges  I presume if it went to court again I would be notified?    I thought court costs and charges could increase a balance owing but not be included in arrears or court proceedings when listing the amount owing, or am I wrong?    
    • Check to see if they are adding monthly charges inflating arrears as per DX.
    • .So I’ve been at the flat for a number of years , you had to be a certain age back then, now all ages and couples with young babies get put here , first floor , no garden not a good area not so bad either .   ive just had a letter to say I’ve been taken off the list to transfer to a more appropriate home ,  no notice just taken off, council are saying my age group no longer qualify.. I spoke to equality and human rights council they suggested I complain siting The Public Sector Equality Act 2010. ( The General Duty and Specific Duty)  relating to age discrimination.      But I’ve also come across this in LAW Quarterly online Mag.    LHA’s allocation scheme suspending applicant’s ability to bid (R (Alemi) v Westminster City Council) The High Court has held that Westminster City Council’s allocation scheme suspending certain applicants from bidding for social housing for 12 months breached section 166A(3) of the HA 1996 (setting out which groups of people should be given reasonable preference when allocating housing).   Interesting i thought?               
    • so you've had a notice of assignment then?   if so that's rare for nasty west to sell it on they typically litigate themselves so I bet the debt is vastly inflated with penalty charges and the interest they attract.   i'd be sending NW an sar get all the statements. then go thru them with a fine toothed comb.   could be £1000's to reclaim....   pers i'd stop paying   what was the original debt amount and what is outstanding now a bit more info on the history please   dx    
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Swinton Office Rip Off

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I'll try and keep to the point on this post...


My Mother has used Swinton since she started driving 10 years ago or more now, made one claim (Which was paid in full by the third party) and lived at the same address.


She recently found that she was actually paying more for her insurance than me (22years old, Vauxhall Chavalier, Living in Essex...) and asked Swinton what the problem was. They informed her that she had various other policies that she'd never asked for and Mum asked for the rep to knock them all on the head at no cost, which was agreed.


Now, they're sending DCA's after her for a £40 missed payment, inflated to about £200, which she doesn't have. This isn't the first time I've heard of Swinton giving tin-pot DCA's Carte Blanche to do as they please and add on completely absurd fees, but why?


She's now insured with a small, independant broker who she pays in cash on a monthly basis and has been nothing but helpful, so why can the new broker be honest, and not be adding on life cover, accident cover and all this tripe? She's saved 50% by going to a proper broker and I've even been in there and paid on the odd occasion and have nothing but good things to say. The Swinton Reps in Mum's town are all 16 years old and just want to sell another policy, even when you're going in there to make a genuine query on an existing one!


Can the DCA be ignored and told to go away? Swinton have no losses to show as the policy was up anyway, the final payment had been made and Mum just wanted shot of them. They're charging this over-inflated cancellation fee when in fact, the policy was due to cancel only a fortnight after!

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No your Mum needs to resolve by making a complaint in writing to the manager of the Swinton branch, with a copy sent to the Managing Director of Swinton at their head office.


Swinton are not known for their customer service and as you say are only interested in sales. I have known a couple of people, one ex double glazing salesman and one estate agent, who had gone on to manage a Swinton branch. They got the jobs, based on their sales management experience and not Insurance.

We could do with some help from you.



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