Jump to content

  • Tweets

  • Posts

    • Thank you BankFodder    Please can Andyorch advise me how to make the application and what to attach I will send this off tomorrow after 3pm, I can post up the final version here of what I need to send and send this on Monday if I know what I am required to do and what I now need to send to the Court to deal with this matter fully   Thank you so much to you both
    • I think you should probably follow the approach suggested by @Andyorch who is probably more up-to-date on these things and I am
    • Hi, we have managed to agree terms with this creditor, thankfully and finally.   Now we face another problem...my husband was declared bankrupt in 2018 by another creditor. Long story short, it's now in the hands of a trustee.  They have apparently completed a driveby valuation which is higher than the first creditor mentioned previously so the trustee believes there is more equity for them to take.  Our property is leasehold with a 54 year lease so tricky to value.  We made an offer based on the first creditors valuation which was rejected by the trustee because, guess what, their valuation stands. So, I am now fighting again to save our home. Is there anything we can do to challenge the valuation and suggest the equity isn't as high as they think it is? Will a trustee be brutal enough to effectively push us into a homeless situation during a global pandemic because raising the funds they are seeking, is somewhat out of reach? Any help is gratefully received. Thank you.
    • Hi Andyrorch and BankFodder   I have just read up the posts, I am confused as to what to do, please can I be advised which route to go finally and how this is done, based on the advices to date.   I will be able to look into this tomorrow as I am off work most of the day tomorrow after 3pm   Thank you
  • 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

Im looking for some advice Piggybank,Sunny,Wonga


Please note that this topic has not had any new posts for the last 1103 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

Calm down, ive been interviewing all day so missed it.

 

I think its a good offer but all loans should be removed from your CRA i believe. And a Higher Goodwill Gesture. If they refuse to do either then take it to the Ombudsman, but its your choice. Having a loan written off does save you £400 xd

  • Haha 1

 

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
  • Replies 214
  • Created
  • Last Reply

Top Posters In This Topic

Id go back and counter it with The removal off all loans from your CRA. If they refuse to budge, then its your choice. But Id personally take it.

 

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

So I'm willing to accept on the terms all loans recieved from piggybank are cleared from my cra as this is more so the result I need than the ££as its gonna affect my future for a morgate ect... May have already messed my chances up as it is

Link to post
Share on other sites

Sounds like a win to me :)

 

Well done.

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Well No because info on a CRA goes after 6 years etc (account closure or default etc)...

 

Getting it removed will help speed up the process fir your future

 

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

Couldn't have done it without fkifilee :)

 

Reply off wongaDear Mr Ward

Thank you for your email dated 18 January 2016.

Tara was sorry to learn of your concerns and has personally referred the matter on to our department as we are in the best position to resolve this matter to your satisfaction as soon as possible.

We will be in touch within 5 business days to offer a resolution or an update regarding our progress.

Your complaint reference number is Please quote this number if you need to contact us regarding this matter.

A dedicated member of our team will be in touch shortly. However, if you have any questions in the meantime, please contact us by telephone on the number below or by email.

Regards

Sarah Alakija

Customer Support Specialist

wonga.com

0800 316 6745

 

 

 

 

Wonga.com is a trading style of WDFC UK Limited. Registered in England and Wales.

Registered Number: 6374235. Registered Address: 88 Crawford Street, London, W1H 2EJ.

Authorised and regulated by the Financial Conduct Authority. Interim Permission Number 611974.

You can contact us in relation to all queries at customercare@wonga.com.

 

http://s10.postimg.org/ot5bdita1/image.jpg

 

Out of the mess with 1:3 now :)

 

image.jpg

 

image.jpg

 

image.jpg

 

image.jpg

 

Wonga's reply :(? Options?

Link to post
Share on other sites

Hello regards to Wonga that's just looks like a generic email and not relevant to your complaint, basically it could be sent to anyone , if you believe your entitled for a refund of interest take up your complaint with Financial Ombudsman, you should be able to easily proove ( with credit reports and bank accounts) loans were issued without adequate checks.

Link to post
Share on other sites

I wouldn't have accepted Piggybanks offer and would have pushed for full refund of interest and to have records moved from credit file, so I would have gone to Financial Ombudsman with it.. However now you have written confirmation that you wasn't in a financial position to have the loans from Piggybank with them refunding some interest back , loans taken with other PDL will also fall into this category, PDL arn't going to give in easy to complaints so its up to you to make sure the Financial Ombudsman get as much info as possible to have your complaint upheld ..

Link to post
Share on other sites
I wouldn't have accepted Piggybanks offer and would have pushed for full refund of interest and to have records moved from credit file, so I would have gone to Financial Ombudsman with it.. However now you have written confirmation that you wasn't in a financial position to have the loans from Piggybank with them refunding some interest back , loans taken with other PDL will also fall into this category, PDL arn't going to give in easy to complaints so its up to you to make sure the Financial Ombudsman get as much info as possible to have your complaint upheld ..

 

 

Hi,

I did ask for all to be removed from cra before agreement, and have agreed to this with them this is what ive agreed too

 

http://s11.postimg.org/ubi7v9teb/image.jpg

 

You don't respond... Standard procedure for a complaint

 

So just ignore that email and wait for a second reply?:) thanks buddy

 

So looked into the fos complaint online, what info do I require to add as there's too many bank statements to add? Also do I mention regarding problem gambling or not? Sorry for the bother also will stick £20 donation in shortly for now for fkoffies knowlage and help up to now

Link to post
Share on other sites

Hello when going to FOS you have to be careful what you give them , Your complaint is that you have been given PDL that are unaffordable.. So that can mean time you have paid essential living cost and financial commitments before taking out PDL you haven't got any money left to pay your PDL ..I wouldn't mention your gambling, you need to total income & outgoings and don't leave any money left over you can get these from debt help sites (Payplan and Clearstart) and they look professional, also include your Piggybank offer as this demonstrated you was in financial difficulties.

Link to post
Share on other sites

So how does the two above sites work do I have to go through every payment in and out to tally in? As the ammount would look outragous at stages I was doing over £1,000 bets so it would look like my income and outgoings are through the roof?

Link to post
Share on other sites

I would keep it basic , just list your income from work, and your expenses like rent , food etc, your gambling wouldn't be listed on your credit report so PDL wouldn't see that, and if you have surplus income for gambling you have it available to pay PDL that's how they will see it .. But all your PDL should be on your credit report so include it that will look bad when FOS take a look . have you checked Debt Camel Pay Day loan advice ?

Link to post
Share on other sites

I haven't checked there no, but my income was around £500 or so a week so still living at home.. It would look like I had that much money to spare to pay off pdl's but totaly wasn't the case.. Most weeks during the pdl spell my bank balance was probs between -500 to -1,000

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...