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    • Defence submitted. On my clear score report there doesn't seem to be any date of default noted, nor can I see where that might appear. When they responded to my CCA and CPR requests they didn't give me a default date either. So, what happens now? Is it likely that I'll actually have to go to court over this?
    • Hi Andy, thanks for the reply. I guess I will need to get copies of the agreement to check that, which may take some time.   What do you suggest I should I do in the interim, as I'm conscious the clock is ticking on needing to AOS?
    • Hi everyone    ive had a card in an envelope hand delivered today from Resolvecall asking me to contact them urgently.   i want to ignore it but I’m not sure that’s the best thing to do?   i had some issues some years ago which have now all been resolved to my knowledge. Anything that I may have overlooked will be way over 6 years, I now have a very healthy credit rating with nothing on any of my credit files.   I have no idea what these people want and this is the 1st contact.    can someone point me in the direction?   thanks    mike 
    • I've been reading up on cases, especially the HSBC vs. Carey. Am I missing something?  It appears to be the conclusion that the decisions in this case meant that regardless of what date  credit agreements were entered into, a claimant no longer needs to produce a signed copy - or even original copy.  It appears that a reconstituted copy of agreement is acceptable by a court and any judge that seems to be swaying towards using it as a reason to find against a claimant could easily be reminded or prompted by their solicitor.  How do I defend my case to be any different?  It will clearly be a case of :   It looks like you probably had a credit card. They've produced a copy of original agreement and added your name and address - so that's good to go. They've got a statement showing a balance outstanding. Therefore, game up - why are you even bothering to defend?     I am working on my "Formal defence"    Can I just ask for some "bullet points"   So far - my main arguments will be that the requested "credit agreement" is not a credit agreement - it is a barely legible application form - which does not bear any account numbers which correspond with the statements produced by the claimant nor match the agreement number included in the original claim (POC).  Secondly, as helpfully highlighted by DX, their WS is relying on a screenshot of "the claimant's predecessors system screen" to show that a default notice was issued on 08/06/2010; clearly there is no copy of said Default notice. Other items I have up my sleeve - should I include? - are the discrepancy in the amounts owing between the Assignment notices - Lloyds stating a figure in excess of £6k (dated 29/6/19) and a letter from Hoist informing me of this assignment but stating an outstanding amount of £4.5k (the amount of the claim).  Clearly, the lack of reference numbers - i.e. their claim does not match the 16 digit credit card number shown on the numerous statements they have included in their WS. And do not match a number shown on the blurry application form. Also, the application form is dated 1998, the first statement they provide is 2010 - can I use this gap/lack of evidence in my favour? I notice on my "illegible" application form there was a reference to "credit card payments insurance" (I assume this is PPI) - during my research, I'm sure I read that any t&c provided should also include this - I notice their seven added pages make no reference to PPI - which even if I didn't take it out would surely have been needed to be included?   So - just to summarise - is it the "poor quality credit agreement"; the fact that they haven't even declared that they are producing reconstituted copies of t&c and the lack of default notice having been issued - well lack of copy?   On the flip side - where do I stand in terms of the payments I was making - allegedly to this account - via Robinson Way? Is that a case of acting dumb/naive?   Thanks very much everyone.   Barafear.    
    • it sometimes takes a good while for all related entries to be removed.   dx
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Hi,

 

This is my first time on here so sorry if this is not in the correct thread. I took a loan out in my partners name in 2015 and he's only just found out.

 

I had a massive gambling problem then, I have tried repaying some of it but my debt spiralled out of control due to the gambling issue and I've stopped paying it!

 

I just need some advice on how to fix this? I know probably some people will judge me for what I did and I suppose it's fair enough but any advice is appreciated. The loan was for £2200 taken with AvantCredit, they did not ask me to prove my identity either, that might've perhaps put a stop to that (I'm not blaming them).

 

Thank you in advance

Edited by honeybee13
Paras.

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Hello and welcome to CAG.

 

We don't judge here, just try to help with the problems in hand. I expect the forum guys will be along over the course of the day with advice for you. :)

 

My best, HB


Illegitimi non carborundum

 

 

 

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Thank you

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http://www.consumeractiongroup.co.uk/forum/showthread.php?471368-wife-has-run-up-over-£25k-of-unsecured-debt!

 

 

Is there a template letter that you could send to the debtor?

 

had a email off fso aujudictor and he's found in wife's favour for pay day advance and recommended all intrest and fees are repaid. And the debit and default removed from credit file. Well happy just waiting for pay day advance to make off and provide figures.

Hi there,

I'm in the same position as your wife (very ashamed of myself) I've got around £25000 debt and so stressed about it I don't know where to even start! Is there a specific letter you used to write to them as in a template or did you just explained the situation? I would be very grateful for your help

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type in irresponsible lending

in the top red toolbar search cag box......


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

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Dear All,

 

I have started a thread yesterday,

but i feel a new one is needed with a bit more detail in order to get some help!

 

I've had a very big gambling problem ,

started becoming serious about two years after my son was born, in 2012/13, now under control however, a little too late.

 

 

Long story short,

i have cashed in about £5000 worth of NS&I bonds after i gambled away my income,

maxed all my credit cards

then started taking out payday loans when all the cards were useless.

 

 

From there on everything just went downhill fast,

started winning ,

paid some money back,

took them out again then started loosing everything.

 

Of course then I got desperate for more money chasing my losses and hoping somehow all that money miraculously would come back (how stupid was I !!!) and took a loan out in my partners name for about £2200 with Avantcredit.

He's only just found out about it, and to say the least he's absolutely fuming!:mad2: (can't blame him )

 

I need desperately to get out of this mess .

..i don't know where to start!

 

 

he's not speaking to me at the moment the atmosphere in the house i can't even describe!

 

I've paid avantcredit back a little bit then stopped due to all my other debts!

It is obviously on his credit report now,

do you think if i contact the company and tell them it was me that created the debt and not him, they will remove it from his credit file?

 

 

I obviously need to pay them back, would they agree to that or would they report me for fraud? :sad:

Thank you in advance

 

I forgot to say, my debts now are somewhere around the £25000 figure

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Both your partner and Advantcredit could report it as fraud. I doubt it would be removed from your partners credit file.

 

You really need to list all of your current debts, roughly how much and when you took them out. Then you might get more advice.

 

Did you provide accurate information when taking out the loans ? If you gave any false information such as employment income then you might find it more difficult to argue irresponsible lending.


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ive merged you thread

keep to one

always better.

 

id say it might be best to do a I suggested before

 

for the minute

concerntraste on your debts

get irresponsible lending complaints going against each company

that should release funds to pay his loan off

and then problem solved.

 

id be paying his loan

forget the rest get IR's running.

 

oh and tell him AND YOU

to go read irresponsible lending threads here.

 

not your fault, but its over now


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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Thank you both for the advice and help and of course your time,

 

 

my debts go back to 2013 loads of payday loans,

I've pulled my credit report today and looked back,

 

 

I will compile a list this weekend with all of them paid and still outstanding,

 

 

I'm probably going to get the shock of my life looking at all the waited money !!

 

 

But unfortunately what is done is done.

 

 

Thanks again

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Hi liss... We have created a PDL guide for reclaims etc...

Have a read...

 

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=67901&d=1494768216

Edited by Andyorch
edited

**Fko-Filee**

Receptaculum Ignis

 

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