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monica32

Ascent legal offering discount on BH loan

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Andy,

 

In attachment print out showing how they have made their calculations

Would appropriate your input guys as I dont have a clue how DLC worked it out.

 

Kind regards,

 

Monica

calcs.pdf

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Hello,

 

Would anyone be willing to look at attached print out of transaction please.

 

Any help greatly appreaciated

 

Regards,

 

Monica

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Hi Monica, i have had a look at the calcs you posted and it all looks very straightforward and nothing untoward.

I am out atm but will be back home in around an hour as it will be tricky trying to explain it to you while i only have my phone to hand.

Please bear with me, will post back soon

 

Martin


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Many thanks Martin for looking in.:-)


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Hi monica, so looking at the sheet on the left first, thats simply a basic account sheet showing transactions, where it says interest, this is the interest you are being charged, where it says "joint debtor adjustment", this is the payments you have made and the balance is shown at the bottom, £5226.28

 

Sheet 2 on the right is an arrears sheet, when DLC bought the debt from BH, BH told them you were 4 months in arrears so they have started the arrears sheet with you 4 months in arrears, which at your reduced payment of £150 a month is £600.

 

The column which reads "contract arrears" starts with this figure and shows the 4 months arrears in the column headed "pot". The next column shows how they have calculated your arrears on a running basis.

 

so, look at 13/8/2014, your arrears were £599, this is because your arrears at the start were £600, you paid £151 and the payment they expected was £150, so 600 less 151 plus 150.

 

you paid £151, they were expecting £150 so you paid £1 more which reduced your overall arrears to £599 for that month.

 

you didnt pay then until 6/10/2014 so you missed a payment of £150, that is then added to your arrears balance and shows as £749 because its now overdue, your arrears increased.

 

For the following month, you paid £160, £10 more than they expected for that month, so your arrears reduced by £10, from £749 to £739, and it continues in that vein, missed payments sending your arrears higher, then a payment reducing them a little.

 

From 06/2015, you werent making the reduced £150 payments, you were paying less, so your arrears increased until you stopped paying altogether in 10/2015, then the arrears just got bigger and bigger, by £150 a month.

 

Thats probably as simply as i can put it. Any questions if its not clear, please ask

 

 

Martin


PLEASE HELP US TO KEEP THIS SITE RUNNING

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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:jaw: you sir have talent...

 

dx


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, the whole DCA industry would collapse overnight.

 

 

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Thank you so much for that. It is correct after all- the DN they issued:(.

 

Best regards,

 

Monica

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Hello everyone,

 

Since my last post in March 2016, nothing much have happend regarding DN issued by Hilsden.

Until yesterday when we received another DN this time for the whole amount of arrears to be paid whithin by 9th November.

DN has been issued by Hilsden Securities on behalf of MEIII.

What should I do?

I dont want them to start court procedings or register default with CRA.

Please advise.

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Only the Original creditor can Issue a Default Notice


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Andy,

As you may know from my preavious posts, this was originally Black Horse loan, sold to Hilsden some time ago.

 

Default was never registered by BH prior selling to Hillesden.

I want avoid ruining my CRA file.

What shall I do?

Write to Hilsden to say they cant issue DN?

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What date was the initial breach with BH ?


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Andy,

 

Default Notice served under s87 for the arrears of £216.72 served on 11/10/2012

Default Notice served under s87 for arrears of £997.92 served on 6/03/2013

On 13/04/13 BH have assigned debt to Ascent legal.

On 8/07/2014 BH has sold account to Hilsden Securities.

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a debt cant be defaulted twice

BH did it years ago

it cant comeback

ignore the silly willy wavers until/unless they issue a claimform.

 

dx


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, the whole DCA industry would collapse overnight.

 

 

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Andy,

 

Default Notice served under s87 for the arrears of £216.72 served on 11/10/2012

Default Notice served under s87 for arrears of £997.92 served on 6/03/2013

On 13/04/13 BH have assigned debt to Ascent legal.

On 8/07/2014 BH has sold account to Hilsden Securities.

 

Sold and assigned one and the same so Ascent legal returned the account back to BH who sold it again to Hilsden Securities. ?


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I am not sure if it has been returned to BH by Ascent it must have been thou.

 

Ascent was acting on behalf of BH.

 

After its been sold Hilsden appeared on my Cra file.

 

They leaving late payment markers every month.

 

DN we received states that MEIII are owner of agreement and Hilsden are acting on their behalf.

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Most probably only acting....and then it was assigned to Hilsden....irrelevant really was just curious of the chain of events....only BH can issue a default notice...as they were the creditor...the rest are just debt chasers/ buyers.


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Would anyone be willing to draft me a letter to Hilsden saying their actions are unlawfull please?

If want to avoid Hilsden placing default on my CRA file.

 

Thank you

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I personally wouldn't......an assignee cant register a marker...they can only update the Original Creditors default in their name.


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its already defaulted

nothing they do can harm it anymore than it already is.


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, the whole DCA industry would collapse overnight.

 

 

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The problem is BH has never put default on my credit file- it is stil being marked as late payment. If Hilsden put default in cra now it will ruin it.

 

Thanks

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Hilsden cant they are not the creditor......only BH can place a default marker because the agreement was between you and them...


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how about writing to bh and complaining they did not register the default on the credit file.

that way it will get marked and the whole thing will vanish on 11/10/2018


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, the whole DCA industry would collapse overnight.

 

 

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how about writing to bh and complaining they did not register the default on the credit file.

that way it will get marked and the whole thing will vanish on 11/10/2018

 

I wouldn't...without the issuance of a DN any claimant is unable to enforce the agreement ?


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Thanks everyone- if however they place default on my cra it will very difficult to get it removed, therefore I wanted to send them letter of complaint for issuing DN in the first place.

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At post#91 you have uploaded a Default Notice from Black Horse so the original creditor did issue one ?

 

Are you saying one was issued but never registered on your CRA files ?


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