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    • Hi there, Just a query regarding Savvy. I took out a loan with them in October 2019 for £750. This would be repaid over 52 weeks at £28.27 per week. I maintained payments on a regular basis until 20th March 2020 by which time I had paid a total of £565.40 (20 repayments of £28.27. I notified Savvy by live chat that I had been furloughed on 23rd March and would struggle too make repayments. i also emailed them on 27th March with confirmation of my furlough. They asked for Income/expenditure - not unreasonable but the template they asked me to use was shocking to say the least. I then sent them my own version drafted with help from National Debtline. This is a self service budget that I can amend and save as necessary.   Long story short and I am now back in work and my wages are back to normal. However, i am required to move house for personal reasons and the current landlord wanting the house back - well notified so there is no issue there. I have also kept Savvy up to date, especially as my family have suffered mental health issues in the early part of this year. Again i have notified Savvy, filled in a new IE form. This is the response I received.   Thank you for your email.   I have updated the income and expenditure form based on the information you have provided which shows you have a minus disposable income of £66.86, we allow £50.00 emergency cash which leaves a minus disposable income of minus £116.86.   Can you please confirm how you make up the deficit each month?   When the loan was issued in October 2019 an income and expenditure form was completed with you, can you please confirm the reason the following has increased.   Rent/ Mortgage has increased by £1,162.00   Housekeeping has increased by £580.00   Household Bills has increased by £507.40   Car/ Travel has increased by £123.80   Social has increased by £150.00.   Due to the changes to your financial circumstances we would need to see a 90 day copy of your bank statement.   Please find below a link to a system we use calls open banking, please click on the link and log in your online banking details this will automatically generate a 90 day bank statement.   LINK REMOVED.   I have placed your account on hold until the 12th August to allow time for the bank statement to be sent in.   They have now issued a default notice.   Any advice would be greatly appreciated before I initiate a complaint against Savvy. I have maintained reduced monthly payments in line with what I can afford. Is it reasonable for Savvy to ask for access to my bank statements. They did not ask for them when I took out their loan.  
    • Click on the SAR link. They will send you everything, that they have on you, screen shot's , emails, etc.  You will be looking for, and will easily find the date that a default notice was sent out, and sold to Cabot. If the default date is before your last payment date then it will be statute barred in 3 months.   Providing the DCA has your current address I really don't think you have anything to worry about. 
    • Is it possible to see my defaults from over 5 years ago anywhere. Not showing on my credit file. I downloaded the whole thing from experian. 
    • Do I just try to say I haven't received there correspondence and ask them to send it recorded delivery and hang it out until 2021?
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jason987

order of recovery + charging order for legal aid costs ......help!

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Hi

Thanks for that so is it a CCJ as I may have to borrow £3000 as I can only get £5000 now and the CCJ will stop me borrowing to pay it off ...

 

Do you know if I have to go to court to make the payment as I only have the letter shown and a address for the solicitor ..

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No its an order of recovery....which allows a charging order to be placed/secured ...you don't have to attend...you dont have to pay it in one lump sum...as it was awarded on the 15th Sept.You may receive further paperwork from the Land Registry to confirm the Restriction.

 

This secures the outstanding debt and any interest....as stated above it may be wise for you to approach the Solicitor and thrash out an affordable payment plan...longer you ignore it the more you will owe.

 

Andy


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Thanks Andy

 

I have got a letter from the land registry in the letter today from them it's a B136(co)

 

Application to register a restriction

 

So had this decision been made or had it got to be made in court on the 23rd Nov ?

 

I have a sheet which says interim charging order n86

 

The application will be heard at 2 pm on 23rd November 2015 at the county court when a judge will decide whether the charge created by this order should continue ( with or without modification) or should be discharged .

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It will be finalised on the 23rd Nov.....but if you can come to a payment arrangement in the meantime and evidence this to the court...he may well discharge it.

 

I do not know your financial circumstances Jason and what you can afford to pay...but if you are struggling I wouldn't borrow to pay it ...but I would arrange an affordable payment plan.

 

If you have not done anything by the court date it will be rubber stamped...and the charge will stand until you pay it back.


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Ok thanks is it ok to contact the solicitor over the phone or not as if it comes to it I will have to go to court to fight my side and see if I can setup a payment plan ...

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Contacting the Solicitor is exactly what you should do...preferably by telephone...get an informal agreement to pay and then ask they put it in writing.......this will be good brownie points for the court.

 

The hearing of November will be nothing to do with payments...its simply to decide to finalise the Interim Charge or discharge.


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Hi

 

I contacted the solicitor today..

 

Basically he said two choices pay before 23rd nov and all dropped or it goes to court and the charge will stand ...

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So no payment plan ? Keep the details for the hearing and tell the court your offer and that the Solicitor rejected it.

 

Andy


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