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    • Good suggestion, thanks King. I'll try it for similar situation also. 
    • Vodafone are NOT lowells clients voda had NO INVOLMENT in bringing the court claim in the 1st place nor continuing the claim after the successful set aside. they sold the debt..washed their hands of it.   and what counterclaim have you made?  you haven't and shouldn't, all you have done is filed a defence with regard to the continuing claim. and NO you never ever ring them.   can you scan these statements to one multipage PDF please  read upload CAREFULLY
    • don't like the sound of that but legal speak is not my best subject.   so they are not refunding your fee for the N244? when this was NOT your mistake but theirs? what defence did you file for the debt along with the reason for the set aside?    
    • I entirely agree dx. Now I think I should get supporting evidence to substantiate my counter claim. Hence there is still unresolved dispute with the original creditor..   In other words I believe my contract with Vodafone ended in December 2014.  I think it is about time Lowell accept responsibility for something their client refused to acknowledge nearly 4.5 years ago.   What do you think people? should I give them a call tomorrow to discuss this further?  
    • I meant that lender is just threatening liability for huge shortfall - but no actual figures been demanded yet.   Lender lawyer advised a few potential buyers but when we asked for details lender won't disclose the exact amounts and specific terms.   They allege they have one offer close to their list price - but it's still super low in comparison to true market price - plus the buyer's offer is subject to having the Freehold.  The lawyer has demanded I "give away" - for free - the Freehold to help them sell the property.  It's not mine and its valuable.  
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
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Tesco personal loan - cannot afford full payment anymore

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Good evening all,

 

I took out a unsecured personal loan around 2 years ago with Tesco bank.

My financial situation has changed quite a bit in the past 6 months, lost a family member, dealing with depression and anxiety and due to this my self employment businesses sales have plummeted. I got a part time job to help cover my living expenses so i'm trying my best to keep up with all of my payments.

 

My outstanding balance is just over £16k. Monthly payments just under £400. The past 4 months I've been paying late. At the end of every month I end up giving every single penny I have toward this loan payment.

 

Tomorrow I am planning on sending this letter off I found in the forums.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?387346-Ask-Creditor-to-Accept-Pro-Rata-Payments-**Correct-as-at-October-2013**

 

I was just wondering where I can find a I/E sheet? and do I include this loan payment in that sheet?

 

Also what is considered a reasonable offer that they would be inclined to accept?

 

Is this the best way forward?

 

Thank you in advance

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Thank you!

Do I include this loans repayment as an expense?

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ofcourse


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i'm at minus £200 odd for the month, I have been borrowing money from my parents to cover the payment for the past few months, do i mention this?

so i'll most likely be offering £200/month, this isn't an 'insulting' offer is it?

 

thank you

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NO

 

no

 

what other debts do you think you have to pay?

 

list them


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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This is the only debt I have.

 

The large portion of my expenditure is direct debits for gas, water, electricity, car insurance, road tax, Internet, mobile phone. I've had to have a very frugal lifestyle for the past few months so other expenses are at a minimum already

 

Do I send them the i/e sheet with the minus or do I change it so it looks like I have just enough? I can just add my parents money as an income from my job

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Internet, mobile phone are not priority debts.

 

I can just add my parents money as an income from my job - ok


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Single Premium PPI Q&A Read Here

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I need both for my work but I've tried to reduce them down a lot too, around £20 for both

 

So do I send it off and leave it as it with the minus figure?

 

If I show them that I have just about enough won't they just decline my offer?

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they don't decide you do...

 

take control its YOUR MONEY ...


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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You're right, I'm going to send it as it is with the minus then and offer them an amount accordingly.

 

This place has helped me ease my worries so much I appreciate your help.

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Quick update, Tesco were really helpful and agreed to a lower payment for 3 months and they will review my circumstances again after 3 months.

 

Thank you DX! You don't ask you don't get.

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and you then continue to plead poverty.


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Single Premium PPI Q&A Read Here

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Hi, I'm about to send another letter as my situation hasn't improved, in fact it's gotten worse. I can only £5/month after cutting back on everything. I was wondering whether there is formal way of requesting that they get back to me via letter? I have anxiety and speaking on the phone amplifies it.

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Who talk on the phone?

You never do that for any debt

Just send it to them and pay when gou say you will

You dont need their permission

 

Its YOUR MONEY..tske control not let your creditors........


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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

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Last time I sent the letter in they called me multiple times to accept the offer and to set up the standing order. OK I'll just mention the date I'll start paying in then.

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Yep as post 13..way to go!!


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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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If they ring in future simply tell them "everything in writing" and hang up.

 

 

Repeat the process or block their number.


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!

HOW DO I START A NEW THREAD?

 

 

 

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Good evening all.

I've received a letter from Tesco stating that they want to know about a certain payment to another creditor and the balance of that account.

 

They also said due to the level of arrears on my account and the low payment offer I made that's it's necessary for them to issue me with a default notice followed by a termination notice and that I'll receive these in the post shortly.

 

They also mentioned that after the default and termination notice that my account will be transferred to the recoveries department,

 

does anyone have experience with them?

Will it just be me making an agreement with another department?

 

Without sounding silly, what do I do?

Send them a letter with the balance I owe to PayPal?

They want a reply within 30 days.

 

Also they said they will default and terminate my account then further down the letter they state if I don't reply within the 30 days that's when they'll automatically default and terminate my account

 

They've put my account on hold till a certain date by the way.

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Theyre just passing you to their debt collection team. Its still tesco. If its another company, tell them to get lost and deal with tesco.

 

Remember, they dont get to demand a payment amount. All payments to non essential debts are paid equally so no creditor is treated unfairly.

 

Dont tell them specifics. Send them a simple budget summary that says something like "credit card 1 - xxx amount, credit 2 -- xx etc etc.

 

Dont go naming names.

 

https://tools.nationaldebtline.org/yourbudget/ is a good budget summary generator.

 

remember, if they refuse your payment and youve sent them proof you cant afford more...i drop them to £1 a month until they comply.


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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bottom line is it doesn't matter what you do

they are still going to default and terminate the A/C

 

they've no legal remit to demand any evidence, only a judge can demand that, and as its not going to make a monkies diff to their decision, whats the point, none of their business anyway!!

 

you only ever communicate by letter too!


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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Ok I understand, the trouble is I'm paying the other creditor 8 times more than I'm paying Tesco, could this be why they 'refused' the offer?

 

Thanks for the advice, I'll just reply with a short letter stating the balance for the other creditor and nothing else, right?

 

I might be sounding a bit ahead of myself but I just don't want anyone knocking on the door.

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knocking on your door? explain more?


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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they are not the same thing!!

 

a dca is NOT A BAILIFF

never can be a bailiff

and has

absolutely ZERO legal powers.

 

a bailiff could only EVER be involved in a civil consumer debt IF:

someone takes you to court.

you lose [FAT chance here]

you fail to pay in 28 days

the judge allows their use.

and even then they have NO RIGHTS of forced entry on a civil consumer debt, and in any case can almost always ignored as such.

 

pers I wouldn't be replying to tescos at all as post 21


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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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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