Jump to content
  • Tweets

  • Posts

    • thats quite interesting, as they are giving you a greater int rate before 1993, i am unaware of anything special about that date concerning statutory int , but it means more money for you, so i wouldn't worry yes the spreadsheet is correct.   it runs till the day they settle.   have they actually given a fixed figure for the 15% period, if so, add that the the 'current' spreadsheet result and that should equal what they should be refunding.... does it match?   dx  
    • I was recently given an upgrading of mobility to enhanced estrangement to pay.I was not aware of had indeed been informed that over the last 3 years I should have only paid 50 % of normal rft any chance of a refund of the overpaid duty  Cheers
    • great so everything sort of matches now a meter with no flat number and one not for your number.   now simply write to EON. i doubt your usage will be that dissimilar to a like flat so you might even get a credit balance   dx  
    • threads merged.   going by your original thread the debt was sold around mar/apr 2017 so a default would have been registered by LLoyds upon sale when a debt is sold the name if the OC is replaced by that of the debt buyer   so everything to me sounds ok the defaulted date is of that time  and the whole account will vanish on the defaults 6th birthday.   what anyone put post that can't harm you further because they are not allowed to change a defaulted date subsequent calendar markers are irrelevant and can't hurt you file  further.
    • This is an area that I suppose we don't have a lot of experience in. So we will have to feel our way as best as we can – but there may be better sources of information elsewhere. You use the word "manifest" a couple of times – as if it is some kind of technical term. Does it have a special meaning?
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 1069 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

I have just read a post with a very similar story to mine about a company called myjar. I have just checked my noddle report and see that this company have listed a default in 2014, I have never heard of this company but from the other thread on them it seems they may be txtloan who I did at one time have a loan from.

 

 

I don't remember the specifics of the mess I got into with payday loans in 2009, mostly because the names seem to constantly change making it hard to keep up with them but I am fairly confident I paid this one off as it was taken from my bank. Even if its not paid, it originates from 2009 and should not be defaulted last year.

 

 

Does anyone know anything about this company so I can put in a complaint? I have been working so hard to repair my credit file and next year all the bad info will be gone so I am really quite upset about this. It only shows on noddle and I have disputed it with them but experience tells me that they wont do much about it and will reply in a few months telling me to contact myjar directly.

 

 

If it helps the details from noddle are:

Account start date

08/12/2009

Opening balance

£ 246

 

Regular payment £

£ 100

 

Repayment frequency

Periodically

 

Date of default

15/07/2014

 

Default balance

£ 246

 

 

There is no monthly data before November 2014 and this is the first month it has shown up on noddle which I check every month.

Link to post
Share on other sites

Used to be

 

TXTLOAN LIMITED

ACRE HOUSE

11/15 WILLIAM ROAD

LONDON

NW1 3ER

 

 

Registrant's address:

2nd Floor

145-157 St. John Street

London

London

EC1V 4PY

United Kingdom

 

 

Now

 

 

Name & Registered Office:

MYJAR LIMITED

ACRE HOUSE

11-15 WILLIAM ROAD

LONDON

NW1 3ER

 

Unfortunately they are one of many of this type of companies that use an anonymous domain registration service so you can't actually see who they are or who registered their website.

 

 

 

Link to post
Share on other sites

Thank you, I will have a look in the library for an appropriate letter to send them. Is there anyone else I should complain to? Can I send the stat barred letter (I am in Scotland so its stat barred now even if it does still exist) and a letter of complaint about the incorrect date on the default at the same time, or should I deal with the two issues separately?

 

 

I have never heard anything from these myjar people, but I have moved house since 2009 so that is likely why.

Link to post
Share on other sites

Send two letters, in the same envelope. This company seems to be breaching DPA regulation and ICO guidance with their reporting of defaults. It's likely they think it will go undetected, as people who use PDL's rarely touch their credit file.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Thanks, I will do that. I couldn't find a suitable letter in the library so will get something typed up and sent off asap. I hate how these companies do this to people its so unfair.

Link to post
Share on other sites

Thats PDL's for you. The whole 'industry' is barely regulated and the companies are ran by less than normal people. I would go on about self regulation and one of the reasons there is little regulation surrounding them, but thats for another thread.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

The guys at MyJar are doing this to start complying with FCAs new rules and regs on the PDL industry,

 

What surprised me with your case... Technically this could have been Stat Barred at the end of this year (Pos Mid Jun 2016), but it now wont move till July 2020...

This is brutally unfair.... In my case, the debt was fraudulent. However same rules still apply to thew default and fair treatment.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

I am in Scotland so it is already stat barred. I don't see how changing the default date to five years after the original one helps them to comply with any new rules. Surely the new rules are trying to make them be more honest, not less. I will be getting a letter off to them tomorrow about this, and the stat barred letter.

Link to post
Share on other sites

They have to follow the rules back when you took out the loan. They cannot pick and choose which ones to follow and when to follow it. The orioginal default date was 5 years ago, so the default should have been placed within 6 months. 5 YEARS after is hugely unfair and you should be challenging it with the ICO and FCA.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

I have gotten nowhere with the ICO with another matter but I will absolutely complain to them again as well as the FCA.

 

 

I am going to view my old credit reports to see if it was perhaps there before but under a different company, I know there was nothing from txtloan before but it might have been another dca or something like that. If I can find it then I will have the original default date and I can put that in my letter asking them why they have moved it from the original date to five years later.

Link to post
Share on other sites

fkoffilee- i cant see how restropsective entries like this make myjar comply with the new regs. most of the pdls did not report to the CRA's in the past and prob do have to now but in this case this is either just vindicative

 

def get a complaint on this

Link to post
Share on other sites

Can anyone give me ideas of what to include in my letter? I have had a look at my other credit files and nothing else shows with this amount. Unfortunately noddle doesn't let you view previous reports so I cant see if it previously appeared there under a different name or not.

 

 

So far I have just written that I don't acknowledge a debt to them and that the start date and default date are five years apart which cant be accurate.

Link to post
Share on other sites
  • 6 months later...

I am so angry right now! This has now appeared on my Equifax file! It was taken off noddle but is now back on there too (with a different default date that would make more sense), according to myjar its an accurate representation of the debt. I haven't bothered disputing whether the debt exists since I am in Scotland and its already stat barred but I did dispute them reporting the default five years after it allegedly occurred and it was taken off noddle. Its now reappeared on noddle and appeared on Equifax. I queried it with Equifax and they don't seem to even understand my complaint they seem to think I'm complaining that its over six years old and shouldn't be there which isn't what I am complaining about.

 

Can anyone point me to the guidelines that say they are supposed to put defaults on within six months or so? Have done loads of searching and cant seem to find it, going to get more letters off about this asap.

Link to post
Share on other sites

Hi, i was in another thread on this dealing with this lot and had the issue of not being defaulted at all and having late markers placed each month for over 3 years.I emailed to say please default me within 6 months of the debt.The next day emailed me to say i'd be defaulted if not all paid before the required but would be backdated.

 

Well i gladly didn't pay and over 2 months later still not defaulted me and CRA's still monthly late reporting.So even when you contact after years and beg to get defaulted on the debt they don't.So i'm about to chase them up again and look at FOS.

Link to post
Share on other sites
  • 2 years later...

I'm having an issue with this company too. I defaulted on my loan in January 2015. I have not made any payments to them since and have just finished a DRO this week which included this debt. Ony my credit report all my other debts shoed as default except this one they keep posting late payment every month and every 6 months or so they post payment made even though I have not made one.

Link to post
Share on other sites

You need to make your own thread klavar. This one has been over for 2 years.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...