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    • Hello, on 9th of July 2018 I was issued a CCJ for 326£ for a non payment into my Natwest account - 6 month earlier I moved abroad and despite my better knowledge my direct debit with the phone company wasn't properly closed and the Natwest account went into arrears for that amount. As soon as I found out of that matter on 20th October 2018 I settled the amount in full with Moorcroft (the debt recovery agency instructed by Natwest to recover the amount).   When I returned to the UK I was shocked that my credit score was completely depleted - despited an otherwise good record - and that for the following 5 years I won't pretty much be able to access credit and other common financial products regardless of the fact the debt has been paid in full (and despite a stable high salary etc.).   When I contacted Moorcroft in January this year they said they can't do anything about it and the record will stay as is. They said the best they could do was to send me a letter (attached) that I can use as a confirmation that the CCJ was now settled. I was pretty sad and frustrated and shocked that a 300£ debt could put me into such distress (I literally cannot even get a monthly mobile phone plan) and despite having settled it I would carry such consequences for the next 5 years... so I archived the letter and tried to forget about it.   I recently checked my credit report and it states that the CCJ status is still active.   I would like to ask:  - is it really not possible to adjust the CCJ status ?  - are there any actions I can take to mitigate my situation ? - shouldn't at least Moorcroft have sent a more comprehensive letter stating that the CCJ was settled (instead of a generic 'payment received' with no indication of what and why) ?     Note: when I tried to contact Natwest in October 2018 they bounced mee across several departments but ultimately no-one could/would want to help as the account was permanently closed and passed onto debt recovery and they couldn't find much information about my records (apart from saying it's closed and Im no longer a customer of the bank and won't ever be able to be one again).   Thanks, V
    • I hope we can keep this thread for a discussion of SDs. If it descends into a slanging match then there probably isn't much point in having it.   HB
    • phew, just got an email from scmreferrals@justice.gov.uk.    I was worried that because the N180 was 5 days late, they would reject it.    There is still an new default on my credit file for the original amount + court costs. Surely Lowell shouldn't have submitted this yet?  
    • The solicitors have acknowledged my CPR request but have yet to provide anything, no response to my CCA request yet.   I would like to get a defence in before the end of this week, can anyone help me put together a defence?   Thanks
    • There were express terms of repayment of the capital plus interest over 60 monthly instalments.  However, you are saying the Default has no effect, so that when charged-off the interest did not have to be rescheduled?   P.S. It may be irrelevant, I don't know, but I can’t see an acceleration clause in the CCA allowing them  to ‘call in’ the entire amount of interest on the 5 year loan?  Copy of the Ts & Cs from my original CCA attached. Clause 2 (c) refers to interest being charged until settlement, but I’m not sure that is an acceleration clause.   If you have any thoughts on the above they would be greatly appreciated. 20191120102845876.pdf
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Hello all,

 

Long time lurker, first time poster. The wisdom and knowledge of this forum has gave me the confidence to ignore all previous calls/threats but this latest letter is something new, that I haven't seen listed before, so feeling a little anxious.

 

ARC have taken over my QQ account after QQ failed to accept my monthly standing order payments and insisted on a DD only (we all know why). I have since moved to another bank and get my wages paid into that new account. The old account still exists.

 

I received this letter this morning. ARC have been phoning me 3-4 times a day but I have blacklisted all their numbers and it goes straight to voicemail.

 

Any advice welcome. I have not sent the 3 letters, choosing to ignore all correspondence instead.

 

Thankyou

 

Kev

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PDF or Scan the letter plz... I cant read.

I suspect this is either a Notice of Assignment or a Threatogram.

They are a PITA as this is happening to me at the moment.

 

Do you want to pay QQ? If so pay them direct... :) Sure ive seen their bank details somewhere

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Sorry about that. Letter reads;

 

Special settlement offer

 

Despite correspondence from our legal department, this debt remains unpaid.

 

We understand form our client that you own the property at the above address and WE WILL NOW VERIFY THIS WITH THE LAND REGISTRY. If this is the case, we can instruct Solicitors to issue a County Court Claim against you. If the debt remains unpaid and our client obtains Judgement against you, we will then be instructed to enforce the Judgement by obtaining a Charging Order against your property to secure this debt for our client. Once a charging order is obtained, you may not be able to sell or remortgage your property without clearing this debt in full.

 

Even at this late stage our client is prepared to give you one final opportunity to settle this matter in a way that would be of significant advantage to you. Therefore we can offer a substantial one off discount on your outstanding balance. If you are able to pay a mutually agreed sum within 35 days of the date of this letter, our client will write off the remaining balance and you will not be contacted any further.

 

If we do not receive your reply within 35 days , this matter will be passed for further action without any further notice to you. Please always quote our reference on all communications.

 

_______________________________________________________________________________

 

Debt currently stands at between £1000-£1100. What offer would I likely receive and would they expect that to be paid on one lump sum, or over 2 or 3 payments?

 

Thanks

 

Kev

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See this is now a toughie me to really advise on...

Do you own your own house? If so , that could be a real clincher here.

 

You can try and find out.... But other always advise to stay off the phone. We dont condone debt avoidance, but wed rather you didnt pay a DCA...

I suspect this may just be a normal threatogram... As it says, "CAN" & "Prepared", very cleverly worded letter...

 

 

Let me ask the site team....

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They would have to take you to court and win first.


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You say they failed to accept your standing order.

 

Can you give a bit more detail please.

 

How much was the loan?

 

When was it taken out?

 

How much, if anything, was paid?

 

How much was the SO for?

 

Do you have anything in writing about refusing the SO?

 

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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

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" Any advice welcome. I have not sent the 3 letters, choosing to ignore all correspondence instead."

 

Dont be following any of that FOTL nonsense...send ARC a section 77 request... (template in the Library) before making any offers

 

Andy


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You say they failed to accept your standing order.

 

 

Can you give a bit more detail please.

 

How much was the loan?£950

 

When was it taken out?2013

 

How much, if anything, was paid? £0

 

How much was the SO for? £90-£100pm

 

Do you have anything in writing about refusing the SO? Only chat transcripts & emails, directly from QQ

 

As above

Do you own your own house?

 

Yes

 

I made numerous offers of setting up 10 x monthly payments via SO but was refused.

 

 

Having read this and another forum of similar nature, I knew a DD option would result in numerous attempts to empty my bank account.

 

 

As my wages were still going into the account at the time, I wasn't comfortable with that.

 

" Any advice welcome. I have not sent the 3 letters, choosing to ignore all correspondence instead."

 

Dont be following any of that FOTL nonsense.

..send ARC a section 77 request...

(template in the Library) before making any offers

 

Andy

 

Couldn't find the section 77 ?!?

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http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

 

In the CAG Libaray...bottom of the main page under debt collection


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Hi all

 

Posted previously on my predicament with QQ but need some further advise....

 

I currently have approx. £1000 of an outstanding loan with QQ.

 

This has been in default for almost two years,

as they refused to accept my offer of paying £100 per month by standing order as I refused to give them access to my account.

 

The debt keeps recording to my credit file with a default.

 

I contacted them earlier this year to complain about irresponsible lending and their response was a refusal to pay interest & charges 'at this time'.

 

I took that as an answer to my current outstanding debt and believe that I may have a better opportunity of reclaiming the money I've paid after I have settled the debt.

 

Do they have to accept my offer of setting up a standing order?

 

How do I stop them reporting to my credit file when I've made numerous offers to setup payment?

 

I'd happily pay them £100 per month to have the debt settled and gone within 11 months..

..but only via a standing order, or alternative to them having direct access to my account.

 

Thanks.

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Do you have an alternative bank account you could use solely for this, you could then setup a dd with them and put your £100 a month in on the day the payment falls due


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Yeah. Have an account with a very small overdraft (£100), which I'll settle and then setup a payment. After the final payment, they'll be getting a letter on irresponsible lending.

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You don't need their permission to set up a standing order. You just do it. If they refuse to.give bank details then they are refusing to accept payment towards a debt, which is in violation of their credit licence


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..

 

 

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i had a simular situation with quick quid

told them that i could only afford £25 per month

and gave them a cobbled together income and expenditure (made up)

and told them that i wanted their bank details so that i could set up a standing order,

told them if they didnt give it to me i would not pay anything as i take it they dont wont the money and will consider the account closed...

 

..well they agreed and was paying that then took it down to £5 pm and then £1 per month...

 

so battle down and demand dont ask tell them.

 

hope that helps

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I think you do have to put the ball back in their court.

 

Formal complaint to their CEO at their Head/Registered office along the lines of..

 

Dear Sir or Madam,

 

Account references,

 

FORMAL COMPLAINT

 

I have been attempting to come to an arrangement to repay this account - you have refused to provide your bank account details in order for me to set up a standing order.

 

You have insisted that I can only enter into a payment arrangement if I set up a Direct Debit. I believe you are attempting to mislead me in this respect, which I believe is against the Debt Collection Rules set out by the Financial Conduct Authority.

 

The only assumption I can make here is that you do not wish me to repay this money, perhaps having realised that I do have a claim for irresponsible lending against you.

 

I am therefore reiterating my offer of £ ?? x over a period of ?? months by standing order to be paid on the ?? of each month.

 

I await your early acceptance of this offer.

 

If I don't hear from you by (10-14 days from date of letter) then I will escalate my complaint to the Ombudsman.

 

Yours etc.


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Hello all

 

This is the last PDL left for me to sort.

 

I sent an IR claim to QQ at the end of November.

 

They didn't acknowledge receipt or offer any response with regards to the claim.

 

A week before Christmas I received a notice of debt sale from QQ, informing me that the debt has been legally sold to Motormile Finance.

 

Looking for advice on best course of action.

 

I have never contacted FOS before, so could do with some instruction if this is the action to take.

 

Hoping to sort this and put the whole PDL nightmare behind me.

 

Thanks again.

 

Ironically, I have just received a notice of assignment from MM

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Did you get 'proof of posting' or have any proof you sent QQ an IR complaint?

 

As for MM, if they rattle your cage, you can inform them that they won't get a single penny out of you as they've bought a lemon and QQ have failed to answer your IR complaint.

No further correspondence will be entered into.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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3 threads merged on same debt for history

 

dx


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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Thanks, dx.

 

Tried to reply earlier to Bazooka but it wouldn't let me.

 

I sent the IR claim via email. I sent a similar email in 2015 and that never got a response either. I think the 2015 email went to customer services but the most recent one was sent to escalations.

 

I'm surprised I never received a response from QQ as the previous PDL companies were quick to respond to the same email and resolved the problem efficiently.

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STOP USING EMAIL!!

write

1st class post with free proof of posting from the PO counter


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok, will send off a claim via post on Monday. Do you think they'll even look into it, having ignored two email claims? 🤔

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We recently sent you a communication regarding the above account(s).

 

Please note as the legal owner of your account(s) it is our intention to register your account(s) as in default with Credit Reference Agencies, which may make it harder for you to obtain mortgages, personal loans or other types of credit.

This information will remain on your credit file for 6 years.

 

Part of an email I received today. They can't do this, can they?

 

Should I continue to ignore them while I battle out the IR claim with QQ, or.....?

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