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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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I drive a black Impala, I slay demons and I have a dad called John................ and a brother called Sam

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You're DEAN WINCHESTER.............. (sexy Dean.lol)

 

I'm a blonde cheerleader who hunts vamps? Have a helper named Giles!!

 

Who am I?

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You're Buffy,

 

I think it's just you n me playing this game lol,............... Now I feel sad lol xx

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Don't feel sad....I'll play.

 

I drive a vintage Bentley and my boss is Mother


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You're John Steed (The Avengers)

 

I dance with penguins and like to jump through chalk pictures

 

who am i ?


 

 

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.please remember that any advice i give is purely my own experience or opinion thankyou

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I think you're Mary Poppins (Didn't Bert do it too?)

 

I caused some panic when I narrated a radio broadcast in the 1930s.

 

Who am I?


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

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How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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I think you are Orson Wells...War Of The Worlds

 

I played for Chelsea and Leeds FC and made my film debut in Lock Stock and Smoking Barrels

 

who am i?


 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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Vinnie Jones?

 

I am on TV and people want me to whisper to their animals

who am I ?


If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

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I think you are Cesar Milan (although there are quite a few whisperers on TV at the mo).

 

The cases are real. The people are real. The rulings are final. This is my court room.

 

Who am I?


 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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correct Sod'em

 

Judge Judy?

 

I am a top policeman, you wish there were cops like me in your country, stand no nonsense, my trademark are my dark glasses that I usually have in my hand and my series just finished for good............... or did it!


If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

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Before I post another, is Bobcat's one Vic Mackey?


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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correct Sod'em

 

Judge Judy?

 

I am a top policeman, you wish there were cops like me in your country, stand no nonsense, my trademark are my dark glasses that I usually have in my hand and my series just finished for good............... or did it!

 

Horatio Caine?

 

I started out as a child actress, working alongside Jodie Foster (amongst others). I'm more recently known for playing a teen that finds the concept of stalking romantic, and in real life, for having an affair with the married director of my last blockbuster movie.


"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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LG is correct


If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

[sIGPIC][/sIGPIC]

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Horatio Caine?

 

I started out as a child actress, working alongside Jodie Foster (amongst others). I'm more recently known for playing a teen that finds the concept of stalking romantic, and in real life, for having an affair with the married director of my last blockbuster movie.

 

that girl in twilight? whatever her name is :) kristen

 

i also evolved, but no one seems to know me! the other guy gets all the credit! who am i?

Edited by Ford

IMO

:-):rant:

 

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Ford is correct - it is indeed Kristen 'Thingy' Stewart.


"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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I'm in prison for a crime, I did not comit

My best friends real name is Ellis.

 

I used to be a VP, of a bank, in Maine, new England

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I'm in prison for a crime, I did not comit

My best friends real name is Ellis.

 

I used to be a VP, of a bank, in Maine, new England

 

My name is Andy Dufresnes.

 

 

 

I'm in prison for a crime I DID commit but with ulterior motives, to help my brother escape death row.

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Didn't watch it but are you Michael Scofield (aka Wentworth Miller) in Prison Break?

 

 

I started my acting career in Lock stock, have become a massive (well pretty big) Hollywood star, despite my dodgy American accent... Who am I?

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Vinnie Jones

 

I was Dr Who but now in Nativity 2.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Are you that Tennant geezer?

 

Yup. David. That's the one! :p

 

Your turn innit?


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Didn't watch it but are you Michael Scofield (aka Wentworth Miller) in Prison Break?

 

Yes indeed and you should watch it if you get a chance, lol.

 

 

 

I am what I am, and what I am needs no excuses.... ? :lol:

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I'm my own special person? :p


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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true

we are all unique in our own way


If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

[sIGPIC][/sIGPIC]

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