Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Pandemic will just accelerate the change that was already happening.   High Street Retailers will go bust, as they cannot compete with online warehouse operators. Government will have to reduce the business rates significantly and landlords who own the shop buildings will need to reduce the rents they charge.   Retailers will need to make changes to the layout of their shops to make them more attractive, as a leisure experience. If they are offering just racks or shelfs of goods, consumers may think they are not getting anything extra than if they bought online.   As more people work from home, they will be available for home deliveries, so online retailers will gain the sales. The high streets where these homeworkers  use to work close to will lose sales.   Travel sector including airlines will see many go bust, more so, if there is a second wave of the virus.  Holidays based in peoples home countries or in neighbouring countries will be more popular. Caravans, motorhome sales are going to see massive increases, as people want their own clean spaces. And caravan parks will see more demand as a consequence, but will have to update facilities.   Pretty much every sector of the economy is going to see the biggest changes they have ever gone through and in a very short space of time.
    • This article in the Indy has some interesting views on how Brexit has affected the Uk's response to Covid.   https://www.independent.co.uk/voices/coronavirus-lockdown-government-death-toll-boris-johnson-a9551516.html
    • Small attachment to an iPhone that cost £288.00.   I know anything that relates to Apple can be very expensive, but what was the attachment ?   Did you return the attachment product in its original packaging ?   How often do you buy products from Amazon ?   How often do you return products to Amazon ?   Could Amazon believe you are buying products to simply try out for a period, with no intention of keeping the products ?
    • So I make a post and ask you some questions and you then go in and make a response which deals with something completely different and which ignores the questions which I have asked completely. I don't see how we can move forward on that basis
    • Thank you. First of all, this is not chronology so we don't have any sense of the timeline. It's still rather complicated – but maybe when you produce a chronology it will come more into focus. However, there are a few things that we can start to tease out. You say that you accepted £250 in an offer which was intended to reflect distress. Although you say that you accepted this offer mistakenly, it may well be that you have no further rights on this issue because of course it would have been up to you to understand the situation properly before accepting any kind of financial offer. However, it would be useful to understand the reach of this offer and so please could you post up the offer letter by uploading it in PDF format. You say that "high-volume messaging" is not explicitly covered in the terms and conditions – but there may be references to "fair use policy" and it may be an interpretive problem rather than looking for words which specifically match your situation. So it will be helpful to know what words Vodafone were relying upon and also what was the extent of your high-volume messaging. Did they give you any warnings. You say that they referred to terms and conditions which you did not sign. However, it isn't necessary to sign terms and conditions. We would have to understand more about the context – but generally speaking if there is an agreement which refers to terms and conditions from the outset and you then embark upon the agreement and use the services, then all the signs would be that you've accepted the conditions of use. Signed written terms and conditions are generally speaking only required in contracts for property or copyright or shares. You say that the contract was put in your sole name despite the fact that the company name was on the agreement. We don't have a chronology so we don't see how long this went on for and you don't explain why you didn't raise any objections to this – or maybe you did? You say that you have sent Vodafone and Lowell an SAR but "so far" you are waiting for a response. This suggests that you sent the SAR some time ago – but you haven't told us anything about when this might have happened. You are referring to obligations under the Consumer Rights Act but I'm afraid that these obligations refer to contracts between a trader and a consumer – and you are not trading as a consumer so these probably wouldn't apply to you. Finally, you are worried about expressing a claim in legal language. If you begin a small claim then you certainly don't need any legal language – and in fact that kind of approach simply gets in the way. Also, it seems to me that you are gearing up to bring a court claim – which is fine, in my book – but you haven't identified your cause or causes of action and you don't have a plan. I think we need to slow down and have a more careful and methodical look at the situation. Otherwise you're simply going to find yourself in trouble
  • Our picks

Ian6789

Secured loan with Firstplus sold to redcastle now Elderbridge with in arrears

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1274 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

Hi guys,

 

I'm new on this site, so please be gentle...

 

I took out a £85K loan with Firstplus in 2006 for a business, unfortunately, in 2010 our main client stop paying us, and that's when the problems started.

FP were great to start with and let me pay reduced payments, but the arrears built up.

 

Eventually, they transferred the loan to a company call Redcastle (still on reduced payments)

and then at the start of this years to another company called Elderbridge.

 

I contacted a website called [removed] and the advice one of their recommended advisors gave me some bad advice.

 

He/she said to stop paying even the reduced rates, starting various things Elderbridge had done wrong.

However, it looks like it was all totally wrong.

 

Now I have even worse arrears and Elderbridge are quite rightly threatening repossession.

 

Thankfully, I now do have funds available to start to pay off this loan

but was wondering, what I should start paying and should I try to negotiate with them,

to try and get a lower figure,

as I'm sure they bought the debt for a fraction of the price.

 

Any advice would be brilliant.

Share this post


Link to post
Share on other sites

I expect that our site team member DX will have a look at this and give you some useful advice – better than I could. I'm really just posting for the benefit of other people who read your thread to say that any organisation which calls itself "get out of debt free" is quite frankly, an organisation which should be best avoided.

 

There is no such thing as getting out of debt free.

 

Did you pay for their advice?


Share this post


Link to post
Share on other sites

Thankfully, no I didn't, but it was such a school boy error on my part. Thanks for coming back to me!

Share this post


Link to post
Share on other sites

gotta admit if the loan went down the redcastle elderbridge route it usually stinks!

that's one hell of a figure for a company to sell on

when they could have taken you to court and probably crushed you.

 

was this in your or the businesses name?

were you a sole trader or Ltd or you signed a guarantee?

 

have you ever sent them an sar [to first plus.]

 

bit more history please

and is the charge still live?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Loan took out 2006,

went to court

but FP transferred to Redcastle and we agreed reduced payments.

I stupidly didn't realise this was just adding to the arrears.

 

Elderbridge took over Jan (I think this year).

 

 

They wrote to me a couple of weeks ago to say the possession order has now expired and I need to contact them to arrange a plan.

I emailed them a plan.

 

 

However, they email the same letter again yesterday plus a letter saying they have contacted their solicitors to ask the court to set an eviction date

 

I called them today,

told them they had sent to letters and that I had emailed them with a payment plan.

 

I have no idea, what I should do.

 

Thanks

Share this post


Link to post
Share on other sites

Urm that doesn't sound right me

They can't just email a court

 

Bet it doesnt says will anywhere

 

Is the charge on your house still showing?

 

And answer me other Q's too

 

Seems like they've got you on a string through threats that have been mounting over the years that go nowhere


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

possession order expired?

 

then they have to start all over again, not just contact court to set date.

 

This means that you have time to get a SAR to them and get a response before anything is going to happen.

 

I'm sure that once they know they have been rumbled they will be more accommodating.

Share this post


Link to post
Share on other sites

Wow, thank you both so much for this information. I will email them tomorrow with this inforamtion and get the SAR sent to them right away. I cannot thank you enough for helping me.

Share this post


Link to post
Share on other sites

I have the SAR ready to go on Monday, so thanks for that. Could I ask what will this do ie how does a SAR help.

 

Also, re the possession charge, how could I find out that it has expired - as Elderbridge has stated.

 

Thanks again!

Share this post


Link to post
Share on other sites

there will be £1000's of penalty charges and all manner of other stuff to reclaim

 

go read this thread.

http://www.consumeractiongroup.co.uk/forum/showthread.php?411012-FAO-anyone-with-a-Firstplus-secured-loan.

 

can you check if the charge still shows on land registry

and who's [company] names against

 

and who got the org possession order


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Just ordered the title deeds from the Land Registry, hopefully it should be sent tomorrow (office hours). Will update, when it's through. Again, thank you so much!

Share this post


Link to post
Share on other sites

should be viewable online?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Yep, sorry went via a different website.

So I've now done it via .GOV.

Is it just the Title register required?

 

 

If so this is what's on it -

 

(27.01.2016) Proprietor: ELDERBRIDGE LIMITED (Co. Regn. No. 8896386) of

Target House, Cowbridge Road East, Cardiff CF11 9AU.

4 (02.03.2006) REGISTERED CHARGE dated 14 February 2006.

5 (02.03.2006) Proprietor: LANDMARK MORTGAGES LIMITED (Co. Regn. No.

3273685) of Admiral House, Harlington Way, Fleet, Hampshire GU51 4YA.

6 (02.03.2006) The Charge dated 3 September 2003 referred to above is

postponed in priority to that dated 14 February 2006 referred to above.

End of register

Share this post


Link to post
Share on other sites

ok so its there

 

now you have that info

if you've not read that thread I linked to in post 10

 

should be an eye opener and direct what you do


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Sorry, I'm new to all this. Does that mean Elderbridge does still have a possession order? Even though they've said it's expired?

Share this post


Link to post
Share on other sites

Hi Ian,

 

You say in post #1 that you've called Elderbridge. You need to stay OFF the phone completely and keep everything in writing only.

 

You say in post #8 that you'll email them with this info. Two points perhaps :-

 

1. Email may not be the best form of communication. Posted letter can be better, to avoid fast ping-pong email exchanges.

 

2. What exactly do you intend saying to Elderbridge. Personally I think you need only send a formal SAR with the fee.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Hi Slick 132, really appreciate the advice and will no longer call them. They don't respond to emails (company policy they say) so I guess that's still OK to continue.

 

I haven't heard back from dx100uk yet re the possession order. Elderbridge stated that the order has now expired, but I'm not sure if that has come up in the land registry information. They sent me 2 letters on the same day, one stating that the possession order had expired and another stating that the eviction process was taking place, so I panicked - shamefully.

 

Re the SAR, having read the threads, I thought it should be sent to Firstplus, not Elderbridge. Is that right?

 

Thanks so much - feels like I'm not alone with this forum

Share this post


Link to post
Share on other sites

Sorry another thing. They are sending me and income/expenditure form to fill in. Should I do this, or ignore?

Share this post


Link to post
Share on other sites

Ignore the I&E form just for now.

 

Have you read through the whole of the link posted in post #10 above ?

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

I've only managed to skim through it, as we've been at a swimming gala for my daughter this weekend. Will read it all tonight. Thanks for the feedback on the I&E form!

Share this post


Link to post
Share on other sites

the charge is there

 

 

possession is something entirely different

 

 

go read that thread


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

OK - thanks so much!!

Share this post


Link to post
Share on other sites
I've only managed to skim through it, as we've been at a swimming gala for my daughter this weekend. Will read it all tonight. Thanks for the feedback on the I&E form!

 

No probs. It's worth reading it through and understanding, so you're better placed to deal with your own case.

 

:-)

Edited by slick132

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

OK, will do. Can I ask slick132 and dx100uk do you work for this site? When this is all over - I need to repay you both.

Share this post


Link to post
Share on other sites

no silly we are like you volunteers..

 

you donate see below IF YOU WISH


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...