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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
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    • 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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My I.V.A. finished and I got a Completion Certificate in October 2016.

 

I have just received a letter from H.B.O.S. saying there is still a large balance on the account.

 

Then shortly after I received a letter from LC Asset saying they had purchased the debt from H.B.O.S.

 

How is there any balance, as I thought on completion of an I.V.A. all remaining debt was written off?

Edited by dx100uk
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Was it included in the IVA ?

 

If so refer the letter to your IP.

 

Andy

 

 

Thread moved to Formal Solutions: Bankruptcy, Administration Orders, Debt Relief Orders and IVAs Forum.


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Your title says sold on, but you state the letter is from HBOS who were the original creditor?


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HBOS were the original creditor .....assigned to LC Asset...who by the way are listed as a Dissolved Company

 

https://beta.companieshouse.gov.uk/company/08324836


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Oh yea sorry its extremely sunny here..very rare!!

 

So LC Asset neesd holiday money then and sent a scmming letter to if they can find a few mugs


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I had one letter from H.B.O.S. saying the debt had been sold on, and one letter from LC Asset saying the debt had been sold to them.

 

Just received two more letters today for a Lloyds card account.

 

Same thing one from Lloyds one from LC Asset.

 

Sent everything to my I.P. don't know if he can do anything as my I.V.A. was completed nearly two years ago.

Edited by dx100uk
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Can we have the fca reg number from the bottom of their letter please


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On the LC Asset letter there is no FCA number, just a Registered Office address in Luxemburg.

In this letter they say they have appointed Link Financial Outsourcing Limited to manage the account on our behalf.

The Bank of Scotland number is 122626

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Aha thought it might have been our friends Plink!!

 

Pers id ignore them

 

Unless you have moved since the iva completion?


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Run it past your IP just for peace of mind.

 

 

Andy


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Does my I.P. still represent me, I thought once you had received your I.V.A. Completion Certificate that they ceased to have any dealings with you.

It was completed almost 2 years ago.

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this is what was puzzling me earlier.

lots of people even with a settled certificated iva still have had to give the ppi refund to their ipsome here +5yrs later as it was an asset from that time that was not realised ..


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I have a letter from my I.P. which says, I write to confirm that following issue of the Completion Certificate in relation to you I.V.A. on 26th October 2016, I have no interest in any P.P.I. complaint or subsequent awards that you may have.

As such, any funds may be paid directly to you.

 

In the supervisors report

Whist I have not been made aware of any intended or ongoing reclaims regarding the mis-sell of P.P.I. Policies, should the client make any such reclaims successfully and subsequently receive redress prior to the issue of the final report, I intend to consider these funds as excluded from the arrangement and be retained by the clients.

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I know but i was just making an observation from my years here


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Does my I.P. still represent me, I thought once you had received your I.V.A. Completion Certificate that they ceased to have any dealings with you.

It was completed almost 2 years ago.

 

No...but your entitled to check with them if a debt was included or not......just because your IVA was completed ...they didn't burn your file.:madgrin:


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can we see these lc asset letters please

scan them up to one multipage pdf

red upload


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.

 

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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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We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Followed instructions to upload docs in PDF, no success.

Is there anything in particular you wanted to know about them?

Doc2.pdf

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Uploads unapproved...not fully redacted....name and amounts still showing.

 

 

Andy


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