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    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
    • Hi   What date did they move into the Property & when did the Tenancy end?   How long was the initial Tenancy Agreement for?   Did you pay a Deposit/Holding Deposit for the Property?   Exactly what Notice of Arrears was given and when(what date)? (if for rent arrears)   Are they still in the Property or have they ended their Tenancy as per the Notice requirement to end that tenancy?   Is the Claim for Rent Arrears/Damages etc.?   Have you sent a Subject Access Request (SAR) which is free(due to GDPR) to the Landlord/Letting Agent asking for 'ALL DATA'?    
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filrobbo

Argos PPI

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Hi, could someone tell me who was the credit provider for Argos store card, around 1998-2005, thank you.

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Hi,

I am also trying to find PPI provider for Argos in 1990. Don't know if it's too late. Contacted Argos and their reply was:- Unfortunately, I am still unable to locate an Argos Storecard Account.

 

If you took PPI before 2000 then you would need to contact

First National

Tricity Finance

PO Box 700

Leeds

LS99 2BD

I am sorry we are unable to help any further.

Regards

Tania Ward

Customer Care Admin Team

Tel 0800 917 9303

 

There was a further message from Argos:- Thank you for your email.

 

I have managed to retrieve some information from the internet which may help you, the head office address is:

 

First National Tricity Finance Limited

2 Triton Square,

Regents Place,

London, NW1 3AN

 

There are a lot of Forums regarding this company and some of them give a contact telephone number for First National, it is now part of the Santander group.

 

I hope this of some help.

 

Kind regards.

 

Lisa Kirkbride

Customer Care Admin Team

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Can anyone assist in who I can send my PPI claim to or is the time frame far too long. I do remember when I bough a TV from Argos. They insisted I took up insurance even though I had a good sickness policy at work. Thanks.

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Hi,

I am also trying to find PPI provider for Argos in 1990. Don't know if it's too late. Contacted Argos and their reply was:- Unfortunately, I am still unable to locate an Argos Storecard Account.

 

If you took PPI before 2000 then you would need to contact

First National

Tricity Finance

PO Box 700

Leeds

LS99 2BD

I am sorry we are unable to help any further.

Regards

Tania Ward

Customer Care Admin Team

Tel 0800 917 9303

 

There was a further message from Argos:- Thank you for your email.

 

I have managed to retrieve some information from the internet which may help you, the head office address is:

 

First National Tricity Finance Limited

2 Triton Square,

Regents Place,

London, NW1 3AN

 

There are a lot of Forums regarding this company and some of them give a contact telephone number for First National, it is now part of the Santander group.

 

I hope this of some help.

 

Kind regards.

 

Lisa Kirkbride

Customer Care Admin Team

 

Thank you fro this information.

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you claim from argos

stop being fobbed off

send an sar get all the info

they'll always fob people of if you simply send a speculative letter or the stupid resolver website


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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