Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Hi I’m new here so not sure if I’m posting in the right place!  Long story short I separated from my now ex husband 2 years ago he ran of and did the dirty after 20 years marriage 3 children and left me with a load of debt unfortunately all in my name £33,000 in total now being a single parent and only being able to work part time as my youngest has special needs  my income really is mainly from benefits  he receives dla high rate and full mobility because of his medical needs. Its a very big struggle especially trying to pay everything run a home and 3 children  going without all the time  added stress with debt collectors and now bailiffs for council tax, shop direct account and a parking fine hadn’t realised mobility badge had expired!  I’ve read loads of advice on here  and am considering filing bankruptcy  my question is can these bailiff debts be included in a bankruptcy or can they still chase me for the money.  I just can’t see a way out at all what I owe will take me years and years to pay back  life is so stressful 😢 thank you in advance for any advice given. sorry it’s a little long winded!   
    • Hello  Sorry if I’m posting in the wrong place. I got a bus lane fine that dates back to over 12 months ago however, I didn’t receive the original fine from the council. This is because I moved address and the DVLA didn’t update my address when I changed my log book. This has caused me other issues for example, I got a fine for not taxing my car. So I got the year old fine through the door which has now been passed to Jacobs and it’s now £180. I called them to advise it’s the first I heard of it but I will pay it in instalments. They bates something like £58 a month and I said I checked my outgoings and I can afford £37. They declined this so I said I’ll pay £37 every month anyhow. To date I have made 2 payments of £37 and was due to make another on Friday on payday. I’ve come home to a letter hand delivered saying removal within 24 hours and the balance is £336! I called Jacobs and they said although I’m making payments , they didn’t agree to the payment plan. I rang the guy that delivered the note and asked him if he’s going to break in and he said he didn’t say that.  The way I envisaged it going was to a judge and a judge would see it as unfair that I didn’t get the original £30 fine, I’m paying what I can afford. From what I’ve read they can’t force entry. I just don’t want to keep paying £37 and then the £336 keeps rising.  My friend has suggested that I pay off what is left of the £180 and speak to the council to see if they can ask Jacobs to back off now. Please help 
    • Also if anyone is interested, I originally applied for the loan via Ocean Finance, I chased them today for a copy of my original application form as I believe there may be discrepancies that I want to check. Please see the reply from Ocean Finance below. It seems that my documents and data are lost, the name Ocean Finance still exists so I have asked for details of their compliance officer      "Thank you for your email. You have requested information relating to a loan that we believe you had previously taken through Ocean Finance and Mortgages Limited.   Unfortunately we are unable to assist you further with your request as Intelligent Lending Limited (company number 04291279) which trades under the name Ocean and Ocean Finance, is a separate company to Ocean Finance and Mortgages Limited (company number 04892540).    Please be advised that in August 2012 Intelligent Lending Limited purchased the Ocean Finance brand from Ocean Finance and Mortgages Limited.  If you therefore took out your loan before this date it would have been through Ocean Finance and Mortgages Limited (company number 04892540) and not Intelligent Lending Limited.    Ocean Finance and Mortgages Limited has however ceased trading on 16th August 2016.    
    • Sorry, forgot to attach the PDF letter. Here it is:Notice to Instruct Solicitors_27JAN2020.pdf    
    • Hi CAG,   New correspondence received:  Notice of Intention to Instruct Solicitors.   I have attached the correspondence in PDF.  The letter is from TNC Collections.   They want payment in 7 days or they will instigate immediate legal proceedings against me.   Is this one last attempt at scare tactics?  Any response or action required by me at this stage?   Thanks
  • Our picks

Zakky

Halifax personal loan now with optima Legal

style="text-align:center;"> Please note that this topic has not had any new posts for the last 868 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

I had a halifax personal loan which was then transferred to cabot. the initial loan was many years ago and i paid cabot for a about 8 months and then havent had any contact from 2011 then in 2016 optima legal said they have the account and i need to pay them.

 

having read through the forums i wrote to them on 24/02/17 asking for, see the letter scrip i have added below.

 

i have had no reply from Optima legal. where do i stand legally and should i continue to pay?

 

thanks.

 

 

template removed - dx

Share this post


Link to post
Share on other sites

if they've failed the 12+2 working days deadline then you could stop payments.

 

 

to be honest if cabot have it

its bound to be a lemon debt

 

 

how much.

and why did you get spoofed into starting to pay it again

it would have been statute barred by now if you hadn't!!

 

 

dx


..

Share this post


Link to post
Share on other sites

i started paying optima legal 35.00. So your saying i can just ignore them now if they contact me?

Share this post


Link to post
Share on other sites

has the cca expired?

 

looks like it to me.

whatever made you start paying them...


..

Share this post


Link to post
Share on other sites

If they write to me now what should be my reply?

Share this post


Link to post
Share on other sites

nothing

until they comply with the cca request.


..

Share this post


Link to post
Share on other sites

just nervousness

 

what do i do if they reply now?

Are they not out of time?

Share this post


Link to post
Share on other sites

Doesn't matter if they are late

Scan up what/if when they reply


..

Share this post


Link to post
Share on other sites

ok thankyou

Share this post


Link to post
Share on other sites

Are you in Scotland?


..

Share this post


Link to post
Share on other sites
Are you in Scotland?

 

No am in England.

 

The following email has been sent to my request CCA.

 

 

 

We write in reference to the above matter and in particular your email 24 February 2017, the content of which has been duly noted.

 

We apologise for the delay in our response and can confirm we have now requested the required information from our client and will forward this to you once received.

 

Regards

 

Lauren Kirby

Case executive

Share this post


Link to post
Share on other sites

stupid idea givin them you email address sorry

that's a freeway to harass you.

 

 

shame you are not in Scotland

as it would be statute barred.

 

 

dx


..

Share this post


Link to post
Share on other sites

Shifting isnt an option, lol

 

Do i not pay the next instalment and just wait for them to send me documentation?

 

Thanks

Share this post


Link to post
Share on other sites

no its where you resided WHEN you took the credit out...

 

 

quite honestly

I don't think you should have been paying this for years

just like your other thread..

 

 

cash cowing comes to mind


..

Share this post


Link to post
Share on other sites

just remember the bottom rule on DCA's and their fake/tame solicitors

THEY ARE NOT BAILIFFS

and have

NO SUCH LEGAL POWERS


..

Share this post


Link to post
Share on other sites

I spoke to one of their advisors regarding my letter sent in March for DCA.

 

 

On 5th April I called them and they apologised for not replying and said they would send me the information that I had requested.

 

I have not had a reply to the DCA and so stopped paying,

but have now received this letter.

What should I do now?

 

Thanks

Optima letter 16-05-17.pdf

Share this post


Link to post
Share on other sites

you mean CCA above ...??

 

 

you should not ever talk on the phone to powerless fleecers!!

 

 

std threat-o-gram

ignore


..

Share this post


Link to post
Share on other sites

Thankyou

Share this post


Link to post
Share on other sites

See attached please.

 

Should I reply to the above letter from Optima Legal, even though they replied after 4 months for my request for the CCA??

Optima legal 11-09-17.pdf

Share this post


Link to post
Share on other sites

not sure that's even legible?

 

 

I see theres £1000's in PPI

have you reclaimed that?


..

Share this post


Link to post
Share on other sites

No i have not put in any claim for PPI. Do i reply to optima legal?

 

If i have not been paying the loan back can i stil claim ppi? I ma more concerned about optima legal, where do i stand with them?

Share this post


Link to post
Share on other sites

forget optima and their clients for now.

 

 

get an sar off to HBOX

get all the statements

get reclaiming that PPI

 

 

how much is outstanding?


..

Share this post


Link to post
Share on other sites

Yes £1000s to reclaim if not already

 

s77 request fails anyway unless or until they also send you the "2003 terms and conditions booklet"

 

as mentioned in the agreement


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Share this post


Link to post
Share on other sites

The balance outstanding is approx £10,000.

Are you guys saying i do not reply to Optima legal?

The documents that they sent me were just the signed loan agreement with Halifax for the unsecured personal loan.

 

Please advise.

 

Thankyou

Share this post


Link to post
Share on other sites

get that sar running to HBOS.

 

 

think about this

why would a large uk bank SELL a +£10 loan for 10p=£1

and not take you to court themselves and crush you?

 

 

something very wrong here with this loan


..

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...