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    • So with a long working history, which she can evidence, it should not be a problem. Still have to go though HRT process for any benefit application, if they have been out of the UK for more than 6 weeks. It won't be a smooth process though. Suggest they try to get advice via Embassy, before they start any journey.
    • Dep Thx Eric's Brother. There was a person on this forum who told me his case was thrown out at the same court because of the contract. I requested more info, but he has disappeared since his case was dismissed.  I was just wondering whether it was worth whacking off a letter to IPS pointing out one of their members, using their logo, is making a claim based on illegal signage and other issues in contravention of their Code of Practice. Would they lean on VCS to withdraw, do you think?
    • Mother and father worked here and then went to SA in about 1978 returning to UK in about 1996 and worked here until 2016 when her husband died at age 66.  He was still working at the time.  She then went to live with daughter in SA.  Mother only claims for her pension. 
    • Thanks, I owe the money, no issue with that, I will SAR the company.  If I need to just pay it and have the CCJ for a few years so be it.  Just thought I'd explore all options
    • By the way you wrote that post, i can see that you are as confused by the situation as someone reading it. Important advice must be not to pay for any flights etc, until they understand the situation fully. Those that have British passports could be entitled to receive UK benefits. However, nothing is that straightforward. The passport does guarantee anything. The daughter could be entitled to Universal Credit ( which includes housing) as a British passport holder, but this can only be confirmed when she has gone through the Habitual Residency test (HRT). So you will need to read about HRT for British passport holders returning to the UK. There will be requirements to provide information about why they are returning to the UK and what work searches have they done to find work on their return to the UK. In regard to the mother who has a British passport, you will be correct in presuming that no council is going to be helpful in paying for the care home fees immediately on arrival in the UK. When did the mother last live in the UK ? When did the mother last work in the UK ? British embassy in South Africa may be able to provide information and assist with applications ? Just getting on a plane, landing in the UK and expecting help to resolve their situation, would be a silly thing to do. I can see the mother ending up in an NHS hospital for a period, while people wondered how they were going to deal with the situation. Probably not the first to do this, but if the mother also has a South African passport, they could put her on a plane back to SA and then the Daughter would be a difficult situation. Embassy in South Africa must be first place of advice.
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mystic_bertie

£15k Debt, 7 Creditors, Can I Get It Reduced If I Pay In Full

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Im in England now but all this debt was created in Scotland,

7 defaults are from 2010/2011,

originally the debt was £20k.

 

I have been on 2 payment plans

a DPP and a token payment plan through Step Change.

 

After a long period of unemployment i had to sell my house to relocate for work.

 

Im now in a position to clear my debt.

 

I owe 7 different amounts which add up to £15,600.

 

I want to know if its possible to negotiate a reduced settlement figure for each debt.

 

I wanted to do this myself as Step Change seem to have wrong info regarding the amounts i owe,

 

also one guy suggests they might be able to negotiate a reduced amount,

 

another tells me its very unlikely.

 

So i thought i would maybe handle this bit myself.

 

Any tips on how to deal with this ?

 

Has anyone else been successful in negotiating?

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who says all your debts are even legally enforceable?

 

can you list your debts and what they were who with and who owns the debt now?


please don't hit Quote...just type we know what we said earlier..

 

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Firstly, check your credit file via http://www.clearscore.com and also http://www.noddle.co.uk and see which are still on your credit files


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

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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Thanks guys. I already ordered an experian credit report so i need to wait days until i can access it. I joined clearscore but its not very detailed, i dont see my defaults listed anywhere, it just lists my negatives, i have cleared the Santander account so my balance should be zero.

 

#####################

 

from clearscore site

 

Negatives

 

You have had at least one account in Default or Repossession (LINK FINANCIAL LIMITED)

You are not on the Electoral Roll at your current address

At least one of your accounts has been seriously in arrears (SANTANDER CURRENT ACCOUNT)

You have no active credit card accounts

 

###########################

 

Here is a list of my debts, my last credit report 2 years ago they were all on there, they stay on my account for 6 years so over the coming months they are set to expire. One debt is an overdraught and the rest are credit cards.

 

Barclaycard (originally Barclaycard credit card) = £2972 / default date 11/02/11

RBS Natwest cards (originally Ulsterbank credit card) = £2216 / default date 28/09/10

Moorgate Loan services (originally MBNA credit card) = £2997 / default date 31/01/11

Moorgate Loan Services (originally MBNA credit card) = £2555 / default date 31/12/10

LLoyds Bank (originally Bank of Scotland overdraught) = £2005 / default date 13/12/10

LLoyds Bank (originally Bank of Scotland credit card) = £1959 / default date 24/12/10

Link Financial Outsourcing (originally barclaycard credit card) = £904 / default date 10/12/10

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so by next feb all will not be showing on your credit file [6yrs from defaults]

so you need to get your voters sorted asap

 

send Moorgate 2*CCA requests

send link a CCA request

 

when were the take out dates of the others please


please don't hit Quote...just type we know what we said earlier..

 

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Yes so fortunately it wont be long till the defaults expire.

Do you mean the voters register?

Im staying temporarily at my girlfriends house,

im looking to find a place to rent soon,

is it best to register once i move into my own place.

I dont want my poor credit history to tarnish my girlfriends address.

 

Why is it i have only to send the CCA requests to Moorgate & Link ?

 

The start dates are listed below ;)

 

  1. LINK (BARCLAYCARD) CC -----27/11/08
  2. BARCLAYCARD CC--------------02/12/08
  3. LLOYDS (BOS) CC---------------28/11/08
  4. LLOYDS (BOS) OV-DR----------02/06/08
  5. MOORGATE (MBNA) CC--------10/06/04
  6. MOORGATE (MBNA) CC--------14/02/09
  7. RBS (ULSTERBANK ) CC--------09/04/08

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those debts still with the original creditors are really not worth bothering with

and I see they are post apr 2007 so even if they don't have a signed agreement

a recon will do.

 

some of the others aren't looking too rosy either as they are post apr 2007 too...

 

so it could well be not much will be knocked off for a settlement.

 

on the ones that are still with the OC's

there are letters in our library to offer settlements.

i'd be sending them one each.

start at say 50% of the listed value.


please don't hit Quote...just type we know what we said earlier..

 

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Thanks again for the advice.

Am i right in thinking you are suggesting i only contact the ones with original creditors?

Would that include

 

BARCLAYCARD CC--------------02/12/08

LLOYDS (BOS) CC---------------28/11/08

LLOYDS (BOS) OV-DR----------02/06/08

RBS (ULSTERBANK ) CC--------09/04/08

 

is this the correct letter template, i dont know if there is another template for credit cards

 

'Mortgage shortfalls: Full and final settlement letter '

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I dont want my poor credit history to tarnish my girlfriends address

 

Old wives tale. The debts go against you. Not the address youre living at.


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

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No,

the ones that are still with the OC,

because you took out the agreements post 2007,

they are now able to reconstitute the agreement in order to satisfy and enforce in court.


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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Full and finallink8.gif settlement for any debt

 

 

Mr A N Other

1 High Street,

Newtown,

Kent

R21 4RH

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

 

Dear Sir/Madam

 

Re: 4563210025897412

 

We write with reference to the money which you are claming on the above account.

 

We can confirm that we are unable to offer to pay the money which we owe in full. However, I can raise £775 and I want to offer this as an ex−gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released for any liability.

 

We also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as "satisfied" in full.

 

Payment can be made within 2 weeks of receiving your written agreement of this offer and method of payment.

 

We look forward to receiving your reply.

 

Yours faithfully

Mr A N Other


please don't hit Quote...just type we know what we said earlier..

 

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excellent many thanks for the template, ill get this sent off asap.

The library has so many documents i was not sure which one to use.

I appreciate all the assistance and i made a wee donation by paypal yesterday.

 

My list of original creditors looks like this.

I called BOS the original debt is still with them, LLOYDS own them they said.

 

 

I still get a statement from Ulsterbank so the debt is still with them also.

i can go ahead and send a letter to the following 4 companies?

 

BARCLAYCARD

BANK OF SCOTLAND CC (LLOYDS bank plc on stepchange statement)

BANK OF SCOTLAND OD (LLOYDS bank plc on stepchange statement)

ULSTER BANK CC (rbs natwest cards on stepchange statement)

 

Will i just pay the other 3 in full or should i make some kind of offer over the phone?

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You need to get full statements, check for anything to reclaim such as PPI/unlawful penalty charges etc first before you go sending letters.


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

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Make sure you check enforceability and check for anything to reclaim before you go offering F&F settlements. I know you want to get rid of them quickly, but it may pay well to do some homework first.

 

i was told, because they are after 2007 they can be enforced in court

 

You need to get full statements, check for anything to reclaim such as PPI/unlawful penalty charges etc first before you go sending letters.

 

i never had ppi, there is a good chance that there are charges that can be challenged but i would rather just clear my debt, if they accept a reduced amount then this will cover any of those costs.

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i was told, because they are after 2007 they can be enforced in court

most probably yes


please don't hit Quote...just type we know what we said earlier..

 

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i was told, because they are after 2007 they can be enforced in court

 

Probably. Not 100%. get checking. If its enforceable, then you need to do research so you can reclaim.


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

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for sake of clarity

 

 

 

  1. LINK (BARCLAYCARD) CC -----27/11/08 - CCA request
  2. BARCLAYCARD CC--------------02/12/08 - poss F&F after reclaiming
  3. LLOYDS (BOS) CC---------------28/11/08- poss F&F after reclaiming
  4. LLOYDS (BOS) OV-DR----------02/06/08- poss F&F after reclaiming
  5. MOORGATE (MBNA) CC--------10/06/04 - CCA request
  6. MOORGATE (MBNA) CC--------14/02/09 - CCA request
  7. RBS (ULSTERBANK ) CC--------09/04/08- poss F&F after reclaiming

there is NO HARM

for the sake of £1 in sending a CCA to the original creditors ones mind

the better or additional idea is send an SAR get all the statements


please don't hit Quote...just type we know what we said earlier..

 

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Ok many thanks for the information, i really appreciate your help.

 

Is there any chance of getting more fee's added while i write for this information? Step change is no longer making token payments.

 

Is there a database of addresses of where to send the CCA or SAR ? Or will i need to call each creditor for this? I have an address for Barclaycard and Moorgate.

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if you use our search cag box of the red top tool bar

they are all here on threads

 

ie type in

link financial address

 

and you'll get a list of threads with it in

likewise for the others.

if you're stumped on any

shout


please don't hit Quote...just type we know what we said earlier..

 

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The only one i know off the top of my head is BC

 

Barclays Bank plc

Data Control Dept

Radbrooke hall

Knutsford

Cheshire

WA15 9EU

 

id send the Lloyds stuff to the HBOS address

 

HBOSlink3.gif PLC

DSAR

PO Box 791

Leeds

LS1 9LR

 

For SARs relating to RBSlink3.gif credit cards;

 

Data Protection Officer, The Royal Bank of Scotlandlink3.gif plc, credit card Centre,PO Box 6050, Southend-on-Sea SS99 1WL

 

MBNA Europe Bank Ltd

PO Box 1004

Chester Business Park

Wrexham Road

Chester

CH4 9WW

 

Barclaycard

Registered Office 54, Lombard Street, London, EC3P 3AH

 

just to clarify

you only need to send ONE SAR per bank


please don't hit Quote...just type we know what we said earlier..

 

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Barclaycard

Registered Office 54, Lombard Street, London, EC3P 3AH

 

SAR's for BC go to Knutsford dx, it has a dedicated Data control Dept

 

Martin


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

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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are yes remember that one now

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Thanks for all the effort you guys are putting in. I have been working over the weekend so i was waiting till today to get back to this thread. There is a bit of a variation on the addresses i had for Barclaycard and the ones posted so i decided i better phone the creditors and get an up to date address.

 

I was told by the woman at BOS that i cant get a SAR for my old bank account, i could only get one for my old credit card debt. Is this true, remember i have one credit card debt and one overdraft debt with BOS.

 

Do you mean i only pay one fee to a creditor even if i am requesting for 2 accounts?

 

Here is the addresses i was given.

 

Link Financial (CCA REQ to be sent)

PO BOX 30095

LONDON

SE1 7WU

 

----------

 

Moorgate Loan Services (CCA REQ to be sent)

PO BOX 16140

SOLIHULL

B91 9HH

 

-----------

 

Barclaycard (SAR to be sent)

PO BOX 5402

NORTHAMPTON

NN4 1ZR

 

----------

 

BOS (SAR to send)

 

HBOS

DSAR

PO BOX 548

LEEDS

LS1 1WU

 

------------

 

Ulster Bank (SAR to send)

Ulster Bank Customer Services

PO BOX 5747

SOUTHEND ON SEA

SS1 9AJ

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Sar is for all accounts

She talking sillies


please don't hit Quote...just type we know what we said earlier..

 

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Ok thanks for confirming that ;)

 

Do you mean i only pay one fee to a creditor even if i am requesting for 2 accounts.

Moorgate, would i send a £1 fee for the CCA for 2 accounts.

BOS send a £10 for the SAR for 2 accounts?

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