Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds


You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds



BankFodder BankFodder


BankFodder BankFodder

  • Tweets

  • Posts

    • Hi   1. Have all seven residents complained officially to the Local Authority of the overgrown conifers and had a response in writing?   2. Were the Local Authority informed that the several residents were employing a contractor to cut back their conifer trees due to them being overgrown?   I would also suggest asking the contractor that carried out the work if they could do a letter for you explaining the work they carried out and the advice given about trimming as they remain the LA property.  
    • Hi dx   sorry for late reply didn't realise you had replied. When I think back I have had at least 2 cheques in response to charges from HF in the past few years (I had a student OD and a current account) if it effects anything
    • well thats not an issue to you.   if you have have not received a SJP form with lots of sheets of other journeys for you to sign off as TIC then i don't think they can prove the use was yours and not the designated user of the card.   since the even have your purchased or use a valid pass and have proof of this ? what date is the SJP case please   dx  
    • you'll only ever be poked to people like moneybarn etc that are all +40% via most online site.   have you had any running credit in the last few years? i've had none and that killed my score just as bad as a default would. they cant see you can have money management skills bar the default.     the other thing to remember is covid is killing credit approval too and ofcourse they can use the poor rating excuse.  
    • I've had a look at some of the other backdoor CCJ threads, but haven't found an example N244.   However, in a sense that's a good thing, write your own draft based on post 98.  It doesn't have to be in legalese,  just a quick summary of your position in normal English.   One of the Site Team could do it for you, but we're normally very reluctant to do so because it will be you (not us) in front of the judge (or given COVID, probably on the phone to the judge) so it's important that you understand and are confident with your arguments.   Wait for EB to comment on the draft tomorrow, on those other threads I see he goes on about a Supreme Court judgement re set asides and he's been in court himself in a similar situation several times.    I don't know about suing for the £255, maybe dx or EB will know more.    Whatever you do, there will be an element of risk due to mistakes (mistakes are no problem, been there done that, but learn for the next time).  It's not a good idea to throw away documentation when you're in a legal dispute with someone, and you should always tell them of a change of address.  Plus a case should have been built at the time against these charlatans, such as taking photos of their rubbish signs.   Sorry to be the bearer of bad news, but your personal circumstances are irrelevant to the court.  You've "defied" a court order - tough.  Of course we know you haven't really defied a court order as your N244 will show, and will be the start of the fightback.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies

Front Loaded Interest on now-Defaulted Loan

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2334 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi, there is probably nothing I can do about this, but it makes me feel ill so I thought it was worth asking....


I took out a loan in mid 2010 for £13k to clear some credit cards.


Yep, totally stupid and I of course ran the credit cards up again.

Lesson learnt and now in a DMP with Stepchange.


The loan was with HSPF and had front loaded interest at a SCARY rate.


I knew this but at the time I was desperate.


I kidded myself that when an old account fell off my credit report the following year

it would improve my credit rating and I could repay with a loan at a better rate

and get a rebate on the interest.


the £13K loan entered my credit report with an opening balance of £24,536 :-x


I ran into problems about 18 months into the 7 yr agreement and they finally defaulted me in December 2012.


At the start of my DMP I had a debts of £43.5K, with £11.5 being the interest on this loan.


A very expensive mistake.


My debts are now £28.5K and being paid off at £613 per month via stepchange

- just under £17K remains on this loan, so they've had almost £8k out of me so far.


I will pay my DMP for an 18 months just to pay off the interest on this loan.


I am so angry with myself for taking this bloody loan in the first place.


Is there ANYTHING I can do about the interest?


If it was not front-loaded I know the interest would have stopped when I was defaulted

- I guess that is why they front load.


And I guess this is all above board,


and yes I know I signed for it etc.


Just asking, because it makes me so cross with myself!

Share this post

Link to post
Share on other sites

I would get an sar off to them




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


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



Share this post

Link to post
Share on other sites

My understanding is that no rebate is due where a loan is defaulted. However the law may have changed so,it's worth checking. If you are able to get some money together later on the lender may accept a settlement of a lower amount in such circumstances. Who knows?


Given the size of your overall debt have you taken advice as to whether an IVA may be appropriate? Step change can advise.

Share this post

Link to post
Share on other sites

Thanks both.


Dx - what would I be looking for if I sent a SAR?

Share this post

Link to post
Share on other sites

penalty charges?


correct APR etc


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


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...