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    • 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
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tallmansix

Debt letter from Lantern - Possibly statute barred - next steps?

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I have received a letter today from Latern (formerly Motor Mile Finance) about some old short term loans from around 2012. This really is out of the blue, I've heard nothing from them for as long as I can recall and this letter was actually sent to my previous address but was re-directed.

 

It is quite a jovial letter, it reads "So, dust off the BBQ, enjoy the sun and take this opportunity to clear your debts before winter approaches". They're offering up to 60% reduction.

 

This is a summary of the debts:

Quick Quid £512 - Last payment date: not shown

Northway £838.88 - Last payment date: not shown

Think Finance (UK) Ltd t/a 1 MONTH LOAN: £350 - Last payment date 19/06/2012

 

At least one of the debts (probably all) are 6 years since last payment / taking out the credit so are possible statute barred. None of these debts appear on any of my credit records (Experian / Equifax / Noddle / MSE credit club)

 

1. What is the best approach with these to avoid acknowledging but ensuring it doesn't escalate to CCJ for example?

 

2. The address on the letter is my previous address (moved 1 month ago) and the debts relate to an address before that one. Should I do anything about this? I have a postal redirect in place for next 6 months but don't want a door knock at old address because the new tenants know me and my new address.

 

Note that since these bad days of pay day loans in 2012, I have taken responsibility for my finances. I'm a long time YNAB user and have my finances under microscopic control. I have no CCJ's but I do have a some defaults from 3 years ago that are now either satisfied or in a steady arrangement. I'm on the way to cleaning myself up so I don't want to make an error and set myself back.

 

Any advice is welcome.

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SB is a complete defence if it goes to court. To prevent a Backdoor CCJ - Update your address with them - This is not accepting liability of the debt.

Just stops them from playing backdoor CCJ :)

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yep

those are discount offers

so probable SB'd now.

 

just remember a DCA is NOT A BAILIFFS

and have

ZERO legal powers

 

if you could findout they are SB's that would be a BIG bonus

as you could send our SB letter for each one and kill them dead.

 

ring the original lender?

look at old Bank account statements ?

 

have a try to findout before you send anything to them

 

moved to the MMF forum

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Many thanks for taking the time to reply.

 

fkofilee: Thanks, when the time comes to correspond with them I will update the address but I have decided not to engage with them right now as per the next post. My postal redirection will pick up any further correspondence.

 

dx100uk: I've done some digging and actually found I have a lot of information. I had 6 pay day lenders on the go totalling £3300 in 2010. I've managed to find some old spreadsheets, letters and partial downloads of bank statements. It appears I had a meltdown in April 2010 and wrote a letter to all 6 payday lenders stating I was in a financial crisis and put in a formal CCA request. I also switched bank accounts to stop any further payments to these lenders.

 

What I have found is:

Quick quid - last payment 26/03/2010

Northway was Pounds Til Payday (The Maltese based one) - last payment 26/03/2010

1 Month Loan - last payment 30/03/2010 however Lantern say 19/06/2012 so I may have made a later payment to stall or prevent action.

 

I think the reason I didn't pay any of the above was because they ignored my CCA request at the time or didn't engage with me.

 

I was also with Wonga in this era but cleared that debt and actually got a refund when they had the FCA investigation. Another lender was Cash Choice and that was cleared in full around 2010 as well.

 

PRA group also caught up with me about a month ago for the 6th pay day loan from that era with MEM Finance. I immediately issued a CCA request and have had an acknowledgement with collections put on hold and my £1 returned. The difference with that one is that I did make some payments as recently as 2015 so it is not in the SB league but I'm hoping they can't find the CCA.

 

I've decided to put a SAR into the 3 original creditors to get some hard facts about the debts and dates so I can pursue the SB route. In the meantime I will ignore Latern but I may send a "prove-it" letter to stall them if they appear to be getting enthusiastic about taking any action.

 

Thanks again for your advice, I will update when I next get some correspondence.

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No don't send anything yet

 

No harm starting an IRL complaint to each lender mind


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No don't send anything yet

I assume you mean sending anything to Latern? - If so, yes will refrain for now.

I also assume that the SAR to the original lenders is ok and won't cause any issue such as acknowledgement of the debt?

 

No harm starting an IRL complaint to each lender mind

Yes I will look into this. I've read some examples of these on the forum and I do fear that they will claim my self-declared income / outgoings at the time didn't suggest irresponsible lending but I may have some mileage in the fact that I had rolled these loans over for about 3-4 months suggest difficulty. I expect to get that confirmed with the SAR.

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Dont need sar- wont hurt no...

But send each lender. an irl complaint regardless!!

 

Its nothing to do with affordability...its to do with lending responsibly!!

If you already had numerous loans and default s they should not have done it


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I'm worried that an IRL complaint will acknowledge the debt so I'm holding off on that one,

I think I've got a good chance of SB to just wipe the debt so I'm doing the SAR first and will take it from there.

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You cant reset nor unbar a barred debt by sending a complaint!!

Where did you read that rubbish!

Get on with it!


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You cant reset nor unbar a barred debt by sending a complaint!!

Where did you read that rubbish!

 

Ok, I understand. I didn't read it anywhere, just didn't want to poke the tiger, it had been asleep for 6-8 years and initially I wasn't interested in a refund, just a debt wipe.

 

Get on with it!

 

Thanks for your advice but I feel less haste at this stage is a better approach.

 

I imagine a properly prepared IRL has more chance of success and with that in mind I've spent the last hour reading about IRL's on this forum. I realise that I have insufficient records to put a coherent complaint together.

 

So I'm still doing the SAR first to ensure I have as much detail as I can. I'm even going to SAR the 2 lenders I paid in full at the time in preparation for an IRL. I'm fairly certain I rolled the various loans over between at least 5 and as much as 12 times or more. I can put a better IRL together with all the facts and will do it to all 6 lenders.

 

SAR's are printed and going in the post recorded delivery tomorrow. Also doing a SAR to the bank account used at the time to get bank statements for my reference because I have no records of my income / outgoings at that time but I remember enough to know I was in a real squeeze with lots of other commitments and debts that will show up.

 

Thanks for kicking me in the right direction even if I do sound stubborn about doing it my way.

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send sar's via 1st class and get free proof of posting from any PO counter.

that's all you need, proof it was sent. don't waste money on recorded


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