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    • Thank you Bank Fodder for your reply. Il certainly do that
    • Googled it and Family Money Savers purchased the assets of Key Financial Claims, there’s also threads confirming that they have acted as agents of Key. A firm going into liquidation does not nullify a contract so whether or not you owe the money will depend on when the offer of compensation was made. I would call them in the first instance to question it, all CMCs have to record all calls now, and you can make the subject access request over the phone. The fact that it’s taken 6 and a half years doesn’t make the contract invalid. 
    • the business and assets of Key Financial Claims were bought out of administration on a going-concern basis on 10 December 2015 by connected company Family Money Savers (FMS) for an initial payment of £30,000.   addition, the company is due to receive 10 per cent of FMS' revenues from Key Financial Claims' pipeline and 25 per cent of FMS' own revenues of which the company previously received 15 per cent. ………..     pers i'd ignore them.  
    • Hi, I currently have a Court case going on against Hartley Wintney Motors whereby I am trying to reject a car under the 30-day thing, as the car broke down 29 days after I purchased it. I was notified by the Court that the Judge had ordered for it to be referred to the Motor Ombudsman for dispute resolution. TMO advised that this could take up to 6 months as they are currently dealing with cases older than mine. Yesterday, through the Money Claims portal, I had notification that HWM had made an offer. I am trying to claim back £3,100. That's the cost of the car at £2,500 + the cost of a warranty. So there offer is:  "We can pay £2500 on 23 October. You must deliver the vehicle with all keys, logbook by 23 September. If you are not agreeable, business is closing soon, and any judgement awarded in the small claims court is also unenforceable. You will then need to dispose the vehicle."   So, firstly, why should I have to return the car? It doesn't go. I would have to pay for a truck to get it back to them. If the business is closing why do they want the car? Why would I give them the car a whole month before they pay me? They could scrap the car and there goes my evidence. Is the business closing? Their website still has over 60 cars for sale. Are they just trying to force me to take their reduced offer?  I have checked on Companies House and in June they filed a notice for compulsory strike off. One week later the strike off action had been discontinued. I've also contacted TMO to try and ascertain if this offer is in conjunction with them, as I haven't received any communication from them advising the same. If my matter is still waiting to be dealt with by TMO, why would HWM just randomly make an offer, when from the beginning they have been adamant that I am in the wrong?   I would very much appreciate any thoughts from people.   Thank you.     
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Carlj021

Default or Not - F&F payments

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Hi,

 

Thank you for all the advice from reading the forum.

 

I was hoping for some help though given Im certain I have been cash cowed, I believe the phrase is, for many years.

 

My CRA shows 5 defaults,

I am unsure if my other creditors have defaulted or just not defaulted

and they have purely accepted my arrangement

- I do not want them to suddenly appear as defaults when I ask for F&F.

 

Also one debt was 3 of the defaults were sold on to Cabot

who have registered them as defaults when they took them on,

would they not have been registered as defaults previously by the original creditor?

 

 

Hoew can I find this out there is nothing on my credit report which I have only recently requested.

 

Also is there at emplate for requesting F&F and what is the recommended % of outstanding debt I should request.

 

Thank you in advance

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woe slow down...

 

whats all the rush

go get your credit report from noddle and clearscore too

compare them..

 

if a debt doesn't show

then it was defaulted more than 6yrs ago and has been removed

it cant comeback and harm you more

 

so why F&F..???

 

a DCA cannot change the OC's defaulted date either even if they own the debt.

 

can you list your debts

 

how old they are

type

how much you pay

to whom

when taken you

 

 

dx


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Hi - Ive had agreements with all since Pre 2010, but most have been sold on and even re,re sold

 

Cabot previously Northern Rock unsecured loan - CCA request returned because I hadnt completed Postal Order - Defaulted Jul 13 (when sold on at a guess) I pay £20 per month

 

Cabot previously Northern Rock unsecured loan - CCA request returned because I hadnt completed Postal Order - Defaulted Feb 12 (when sold on at a

guess) I pay £40 per month

 

Cabot previously Northern Rock unsecured loan - CCA request returned because I hadnt completed Postal Order - Defaulted Feb 12 (when sold on at a

guess) I pay £35 per month

 

Moorgate previously MBNA Credit Card - CCA request returned with 'unable to supply' said they would default if I didnt continue payments - UNSURE if previously Defaulted?? Not on Credit file I pay £91 per month

 

Cabot via Apex previously Egg Credit Card - CCA request and have provided signed agreement - UNSURE if Defaulted?? Not on Credit file I pay £70 per month

 

Cabot via Apex previously Egg Credit Card - CCA request and have provided signed agreement - UNSURE if Defaulted?? Not on Credit file I pay £55 per month

 

Halifax Credit Card - was paying Blair Oliver and Scott - CCA request to Halifax, returned saying they have not been able to find original agreement - not on credit file - unsure if Defaulted? I pay £45

Cabot previously Goldfish Credit Card - CCA request returned because I hadnt completed Postal Order - Unsure if Defaulted? I pay £50 per month

 

Halifax Bank Account - Overdraft - Defaulted on Jun 11, no idea why it took so long to default. I pay £25

 

Halifax Bank Account - Overdraft - Defaulted on Aug 11, no idea why it took so long to default. I pay £15

 

Mint Credit Card - CCA requested original signature, I never supplied as thought it was wrong thing to do - Not sure if ever defaulted - I Pay £70

 

Royal Bank of Scotland Credit Card - CCA requested original signature, I never supplied as thought it was wrong thing to do - Not sure if ever defaulted - I Pay £70

 

I want to pay them off the minimum payment - I'm not sure if those not showing as a default have ever defaulted and do not want to take any action to cause this.

 

I was hoping by 'satisfying' those on my Credit scoring it would increase my credit score as I want to get a mortgage.

 

Thank you

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Hi - Ive had agreements with all since Pre 2010, but most have been sold on and even re,re sold

 

Cabot previously Northern Rock unsecured loan - CCA request returned because I hadnt completed Postal Order - Defaulted Jul 13 (when sold on at a guess) I pay £20 per month - CCA request

 

Cabot previously Northern Rock unsecured loan - CCA request returned because I hadnt completed Postal Order - Defaulted Feb 12 (when sold on at a

guess) I pay £40 per month - CCA request

 

Cabot previously Northern Rock unsecured loan - CCA request returned because I hadnt completed Postal Order - Defaulted Feb 12 (when sold on at a

guess) I pay £35 per month- CCA request

 

Moorgate previously MBNA Credit Card - CCA request returned with 'unable to supply' said they would default if I didnt continue payments - UNSURE if previously Defaulted?? Not on Credit file I pay £91 per month - they cant its gone already - cash cowed - CCA request

 

Cabot via Apex previously Egg Credit Card - CCA request and have provided signed agreement

- UNSURE if Defaulted?? Not on Credit file I pay £70 per month - start a new thread scan agreement up.

 

Cabot via Apex previously Egg Credit Card - CCA request and have provided signed agreement - UNSURE if Defaulted?? Not on Credit file I pay £55 per month

- start a new thread scan agreement up.

 

Halifax Credit Card - was paying Blair Oliver and Scott - CCA request to Halifax, returned saying they have not been able to find original agreement - not on credit file - unsure if Defaulted? I pay £45 - - CCA request

Cabot previously Goldfish Credit Card - CCA request returned because I hadnt completed Postal Order - Unsure if Defaulted? I pay £50 per month - - CCA request

 

Halifax Bank Account - Overdraft - Defaulted on Jun 11, no idea why it took so long to default. I pay £25 - sar to halifax

Halifax Bank Account - Overdraft - Defaulted on Aug 11, no idea why it took so long to default. I pay £15- already sending sar don't need two

Mint Credit Card - CCA requested original signature, I never supplied as thought it was wrong thing to do - Not sure if ever defaulted - I Pay £70 CCA request

 

Royal Bank of Scotland Credit Card - CCA requested original signature, I never supplied as thought it was wrong thing to do - Not sure if ever defaulted - I Pay £70 CCA request

 

I want to pay them off the minimum payment

- I'm not sure if those not showing as a default have ever defaulted

and do not want to take any action to cause this. - a debt cant re-appear.

I was hoping by 'satisfying' those on my Credit scoring it would increase my credit score as I want to get a mortgage.

 

Thank you

 

 

nope wont matter a monkey's if you pay them

wont improve your score

defaults are there for 6yrs regardless.

 

 

dx


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Hi,

 

I know this may go against the grain but I do want to offer some of my creditors a F and F payment initially at 10% of the outstanding amount.

 

Is there a template on here?

 

I know the wording needs to be pretty prescriptive, so that is where the help is needed.

 

Also can I email the letters to the institutes as a pdf or would you advise to be sent by post.

 

Thank you in advance

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old and new threads merged for history

 

 

I seriously question your wisdom

before doing even basic enforceability checks

try the DCA section of the library


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Hi Dx,

 

Thannk you for your reply.

 

My rational is that I believe Cabot have reissued a default when they purchased the debt from NRAM.

 

 

NRAM have not got any details, as they now do not exist,

but I do not understand how Cabot can buy the debt and then issue a new default.

 

 

Given it has been incorrectly it is my intention to offer a F and F at the same time

as telling them they have put a default on incorrectly

and use it as a bargaining tool with the hope they will remove the Defaults!

 

Thoughts?

 

Also, I cannot see in the library which one is appropriate for me to use?

 

Thank you

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I am in similar position so it would be good to hear how you get on with the full & final offers.

 

My CCA & DSAR requests are away. I plan to try & claim back any unreasonable charges & any PPI however I am sure I didn't have this. I am then going to make settlement offers, I just don't know how to word the letters & exactly how much to offer yet.

 

I have a thread on here as well that I plan to update which will hopefully assist others in future.


Current Progress of Debts:

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Hi Dx,

 

Thannk you for your reply.

 

My rational is that I believe Cabot have reissued a default when they purchased the debt from NRAM.

 

 

NRAM have not got any details, as they now do not exist,

but I do not understand how Cabot can buy the debt and then issue a new default.

 

 

Given it has been incorrectly it is my intention to offer a F and F at the same time

as telling them they have put a default on incorrectly

and use it as a bargaining tool with the hope they will remove the Defaults!

 

Thoughts?

 

Also, I cannot see in the library which one is appropriate for me to use?

 

Thank you

 

 

right now we are getting somewhere.

and your 'reasoning'

- flawed sadly

 

 

the days of a DCA removing defaults on F&F has now gone sadly

it just doesn't happen like it used too.

 

 

so HAVE YOU sent NRAM an sar?

 

 

a DCA CANNOT change or bring back a debt to your file - end of

give them 14 days - else complain to the ICO about it

you don't need to pay debts off

it wont improve your credit rating any

you might as well burn the money.

 

 

the list of what you need to do is in post 4

yo


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Dx,

 

Thank you again - I am now getting the point you are making.

 

In my post 3 I have stated the amounts I pay the creditors. Should I be reducing this to a minimum and if so what minimum and those who have a CCA can they raise a CCJ against me?

 

Many thank

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lets get the CCA's in first

and those you have scan them up

lets check them please

 

upload guide

 

 

as for CCJ's

well they have to win first!

 

 

with or without a CCA

fleecing DCA's will issue claims regardless

hoping for a non contested default rubberstamped judgement.


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Ahh,

 

Also can I send the letter to Cabot in PDF by email?

 

thanks again

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Hi carl, no you cant send a CCA request by email, it requires you to send a £1 postal order to cover the stautory fee


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I think he meant the default complaint letter...

 

 

you need PROOF NRAM defaulted first

that will be in the comms log of the SAR

unless you have an old CRA file copy that shows the NRAM default?


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I am in similar position so it would be good to hear how you get on with the full & final offers.

 

My CCA & DSAR requests are away. I plan to try & claim back any unreasonable charges & any PPI however I am sure I didn't have this. I am then going to make settlement offers, I just don't know how to word the letters & exactly how much to offer yet.

 

I have a thread on here as well that I plan to update which will hopefully assist others in future.

 

GUnder, Please start a new thread for each of your own accounts and follow DX's advice about F&F offers, making a payment will restart the 6 year clock, never forget that


PLEASE HELP US TO KEEP THIS SITE RUNNING

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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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HiMartin,

 

Thank you. I was more thinking about the letter to Cabot instructing them to remove the default before going to the ICO

 

Thanks

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HiMartin,

 

Thank you. I was more thinking about the letter to Cabot instructing them to remove the default before going to the ICO

 

Thanks

 

MY apologies :oops:


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GEMHL Settled

Barclaycard Settled

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Spml Reluctantly withdrawn

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One more question - do I have to pay £10 for each NRAM account SRA request. or can I include all 3 accounts on the one letter and pay £10 for the 3?

 

Thank you

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Each creditor = £10, SAR will include info on all accounts but not necessarily the agreement

 

Each account = £1 per account/agreement

 

Oh and when you all the information, a new thread for each account/agreement or this could get very confusing and messy


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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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CCA request goes to whomever you PAY.

so not necessarily the original creditor

dont sign anything - use a blank uncrossed £1PO.

 

 

SAR ALWAYS goes to the original creditor

read the full sar link FIRST

always sign an sar and read the addresses part too


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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

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