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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?               
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I have been using this site for some time now and have taken on board the fantastic advice given,

 

I have just applied for PPI repayment from the Halifax,

 

I recently posted the amount of debt we had and am in the process of fighting off Very and ISME again,

they are asking for financial proof and proof of my husbands stroke,

which through reading on here,

I no I do not have to provide but was willing to do so,

 

now here is an update.

 

In his infinite wisdom, my husband has decided that to enable him to have a full recovery from his stroke he should and has LEFT us.

 

I am devastated as are my two teenagers

 

last week I started a new job (although only 12 hours per week)

this enabled my husband to still have full-on care, so this was never an issue,

but now I am left HIGH and DRY and at a total loss as to what to do now,

I thought things couldn't have got worse following his stroke but little did I no,

if any one can advise I would be eternally great-full.

I feel like my ship has almost sunk and I am going down very quickly with it.

 

My debts are as follows

I have the following Accounts:

Credit Card Lloyds TSB outstanding £7161.05 in the hands of BLS reduced monthly payment £81.00

 

Current Account LLoyds Tsb outstanding overdraft £6409.34 in the hands of BLS reduced monthly payment £60.00

 

Current Account LLoyds Tsb outstanding overdraft £980.60 in the hands of Apex reduced monthly payment £25.00

 

Current Account LLoyds Tsb outstanding overdraft £2142.05 in the hands of BLS reduced monthly payment £25.00

 

Loan Account LLoyds TSB outstanding £10210.00 in the hands of Wescott reduced monthly payment £103

 

Nat west credit card outstanding £2414.09 £55.00 monthly refusing to lower the payments and freeze interest,

because I messed up my I/E form and charging me £12.00 every month for late payments.

 

Halifax Loan outstanding £7072 PPi Included reduced payments £50 in the hands of Blair Oliver and Scott, I have sent off SAR

 

Wonga PDL £553.00 due 28th October,

PPP in place £137 for 3 months

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So sorry for your circumstances tricia.

 

Do you have a mortgage or are you renting?

What is your income?

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Yes I have a mortgage I am paying interest only at the moment, I have recently got a job 12 hours pw £76 I also have a private pension of £300 pm. I have neen told to apply for working tax credits, but I no this is not enough to cover my bills and debts, I am totally wrecked and Im at a loss as to what way to turn. Thank you for your reply amy advice would be so helpfull

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Yes I have a mortgage I am paying interest only at the moment, I have recently got a job 12 hours pw £76 I also have a private pension of £300 pm. I have neen told to apply for working tax credits, but I no this is not enough to cover my bills and debts, I am totally wrecked and Im at a loss as to what way to turn. Thank you for your reply amy advice would be so helpfull

 

Tricia, I am sorry to read of your current plight. I know how everything can get on top of someone, especially when it all seems to come at once.

 

Let's remember:

1. This is mainly money problems. There are many people out there with terminal illnesses who would gladly swap positions with you. You will not starve to death or go to jail - those days are long gone. The only physical damage you will suffer is that which you inflict on yourself through stress and worry.

2. No one is expected to pay more than they can afford. There are a lot of experts on here and you will get some good advice and you WILL come out the other side OK. I know it seems the system is against us but CAG is where things come back into balance.

 

Don't let things overwhelm you - there is light at the end of the tunnel.

 

Good luck


Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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Hi Tricia....i'm really sorry to hear your plight, you are amongst others who are/have been in similar situations. I think a call to the National Debtline may be a good start, their advice is free, confidential and impartial - http://www.nationaldebtline.co.uk/

 

Even if it means you have to pay £1 per month until your situation improves then so be it....


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

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

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Hi and thank you for your responses, I feel a lot stronger now and have been able to deal with things in a more positive way, I have reduced all my payments to creditors to a more realistic affordable amount making things things are a bit easier. Onwards and upwards for me and my children and thank you once again

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