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    • Ok so to cut a long story Short I had a massive breakdown in a long term relationship 5 years ago leaving me with large debts. I'm a reformed person now to how I used to be with money and I'm looking to get a mortgage.  I have ignored these debts as I'm aware of the statue barred system.  Sadly the other day I have received 2 pre legal assesment letters from Lowlifes based on 2 old O2 accounts.  I'm aware that the pre assesment is just a threat but it's one I need to take seriously based on my mortgage applications. The drop off date is not till next summer.  It leaves a sour taste in my mouth to set up a payment plan for this although it could be the way forward.  I maybe up for full and final but the accounts equate to £1000 roughly.  Can someone advise me on the best option for these without judging.  I have previously beaten lowlife in court for a ccj based on another communications account I held based on no CCA to prove it was mine although I think I got very lucky as I'm aware it's not regulated under the CCA.  I currently have another CC account which I'm fighting with Roboway via the prove it method for which they have wrote to me twice over the months stating they are having issues with the original creditor.  Sorry for the long read but this is massively important I avoid a CCJ. 
    • sorry I was mixing the wrong CAT provider in there. yes JDW, not SD   so in a nut shell you cant find any payments to JDW or say Littlewoods or any of the JDW catalogue names they provided but can find ref for studio cards [yes express gifts]   so they are trying 2 claim on at least 2 cat debts that are prob SB'd and using AC numbers in their POC that don't appear to match those on your credit file?   what about the studio card details, does the payment ref match the POC AC number?
    • Ok, so I have sat down and done the sums and to say I was a little out on my original debt assessment would be an understatement. The figure I owe is actually ALOT more than I anticipated. Here is the breakdown:   MBNA Credit Card - £3,833.61 Barclay Credit Card - £9,914.02 Natwest Over Draft - £2,241.51 Paypal Credit - £2005.88 Littlewoods - £1287.33 Next - £603.98 Other (This is what I owe a friend of mine who helped me, they said they're not urgently needing this money back and to sort out the rest first but I feel a massive sense of need to repay them) - £7,000.00 Total of Company Debts- £19,886.33 Total Debt with extra money I owe friend - £26,886.33   Thank you in advance for any help and advice. This figure has been very overwhelming and is a massive wake up call for me.      
    • Hi dx100uk Thanks for reply Have downloaded all bank accounts going back to 2012, checked same for JDWilliams/ J D Williams/ Williams and can find no indication of payment at all to any name or similar But Express Gifts ( Studio Cards? ) according to bank statements made last payment ( £35 ) on 24/07/2013. The reference numbers shown by Lowell do NOT match the account numbers shown on my credit file?   Once again many thanks for help Trace
    • When you list your debts, can you include  the approximate month/year you took out the account or loan.  Also when the accounts were defaulted, if you have received a default notice and could not pay the amount on the default notice.   If you have Government debts such as Council Tax, please state the current position.    Are you currently working ? Do you claim any benefits  ? If you are on low income, have you applied for any help. It would be Universal Credit now and not  Council Housing Benefits, unless you have any existing Housing Benefit claim.    
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goodfriend123

RBS raised agreed repayment amount

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I've been paying of the balance of my credit card with the Royal Bank of Scotland, paying an agreed amount every month by direct debit. I have kept up these payments without fail. I have now received a letter from them saying that they are increasing this payment to 2.5%. Previously I have filled out their forms detailing my income and expenses so they know I cannot afford the increase.

 

Are they allowed to do this?

 

Thanks for your help.

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Tell them that they will.not be raising it as it was an agreed rate and you provided info to prove you couldn't afford it. I would keep repaying them at your current rate and let them cry if they don't like it. Of course this would mean you would likely have to have an account outside RBS as they could recoup the money from any account you hold with them


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When did you take it out?


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So you took the credit card out and started your payment plan 2010 ? :madgrin:


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So you took the credit card out and started your payment plan 2010 ? :madgrin:

 

Sorry. I had the card since the 1990's. I lost my job due to disability in 2010

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Okay this letter that states the intended increase...its not a template ? Your name and address and your account number ?

 

Does it state what you are currently paying per month?


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CCA time if its from that long ago..no chance of a compliant CCA me thinks?


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

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Okay this letter that states the intended increase...its not a template ? Your name and address and your account number ?

 

Does it state what you are currently paying per month?

 

No, it doesn't show my account number nor the amount I am repaying each month.

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CCA time. If they cant provide a compliant CCA for it, then you wont have to pay them a single penny once theyre in default of your request. get the CCA request off first thing in the morning.

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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

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CCA time. If they cant provide a compliant CCA for it, then you wont have to pay them a single penny once theyre in default of your request. get the CCA request off first thing in the morning.

 

They say that they are (quote) "varying the terms of your Credit Card Agreement". Are they allowed to do this?

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not if they cant find the signed agreement.

 

dx


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

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They say that they are (quote) "varying the terms of your Credit Card Agreement". Are they allowed to do this?

 

Then I would suggest that this is a standard round robin informing customers on normal contractual payments of an increase...IE the minimum payment will increase by 2.5%...not you being on an agreed payment plan...ignore.

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Cancel the Direct Debit and replace with a standing order. They cannot increase a standing order without you yourself doing it.

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