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    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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sheila87

247 Moneybox . Paid money they didn’t claim it said I didn’t pay HELP!!!!

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Back in 2015 (10th of October) I took out a loan with 247 Moneybox for the amount of £80 with the repayment date of the 24th of November.

 

I am not sure on which date I made the payment but I went onto my online account and paid the full amount to pay off the loan, the payment was being ,made on time.

 

I then received confirmation to say that my loan had been paid but I don’t have a copy of this anymore as it was so long ago.

 

I then took out another loan with them on 17th February 2016 (please bear in mind it clearly states on their site you can only have one loan at once due to responsible lending) of the same amount £80 and on the 24th of March my repayment date I paid the balance of £88 which closed the account.

 

It was only until a bit later I logged into the account to see that it said I still owed them £103 and that my balance was outstanding.

 

I phoned them and they told me that my loan from October had not been paid and I was obviously confused by this and tried to do some digging because I know I went online to make the payment

 

I phoned my bank and they told me that they never claimed the payment in the 7 day window they had. I never realised that the money went back into my account as I don’t watch for things like that and it wouldn’t have shown as anything on my statement it would have just gone back on my available balance.

 

I phoned them back and tried to argue this with them and said it wasn’t my issue that they hadn’t claimed the money and that I now didn’t have the funds to pay for it

 

feeling very hard done by considering I tried to pay this off on time in full and due to them not collecting the money I was now in a worse financial situation. I was also arguing with them about the fact that they had let me get out another loan in 2016, 4 months after the one I had supposedly not paid was taken out.

 

You are unable to even apply for a loan if you have an outstanding balance so how does this work? They were having none of what I was saying and I ended up out of frustration and being fed up agreeing to a payment plan of £10 a month with the balance reduced to £80.

 

No money ever came out of my account and I never realised this until later down the line and I know its probably bad of me but I sort of forgot about it and they never tried to contact me.

 

I have only recently just thought about it so decided to log back into my account which still says I owe £103 and my account is in default. Somehow they also have my new address which makes me worry.

 

The most confusing thing about all of this is that on my credit report this loan Is down as being settled on the 22nd of January 2016 and does not have any mention of my account being in arrears or overdue.

 

I don’t know what to do.

I don’t want to contact them again and then prompt them to chase me for the money or complain that they never should have given me a second loan if my first one was outstanding.

 

Some advice would be very much appreciated.

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Check your bank statements, or simply send them the prove it letter from the library on this site.

 

You also need to stop trusting them. They are not a professional business. Theyre a payday lender and none of them are reputable.


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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there is no proof of the payment on my bank statement as when you make a card payment it is held in a pending place and if the merchant doesn't claim the money it returns to your account like the payment has never been made if that makes sense! So technically I didn't pay that loan but I didn't know I hadn't paid it as I made the payment with my bank card online got the email I had paid and just went about my life.

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My point is check the statements of the time you made payment. If it isnt showing, then payment wasnt taken. If it does, then panic over.

 

If you didnt pay it, then make arrangements with the lender to repay it at a rate you can afford.


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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Thanks for the reply. I have checked all statements. I did try to set up an arrangement over the phone but they never started taking the money out.

 

Am I not able to squash this somehow considering it’s impossible to lend from them if you have an outstanding loan and they gave me another loan and I repaid it and it wasn’t until after that they said I hadn’t paid the first one.

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Why would you want to lend from them again. Youre falling into their trap. Dont. Pay it off and be done with it.


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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I don’t want to lend with them again, my point is I took out a second loan with them 4 months after I had ‘paid’ off the original loan only to be told after I had paid off the second one that I still owed money for the first one. They shouldn’t have given me a second loan if I had ‘failed’ to pay the first one surely ?

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Probablynot but if the system thought the payment had gone through then they would have. You can try the irresponsible lending track, but i doubt it will get you very far..


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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did you have other loans and a crap credit file at the time?

like full of defaults?


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I was taking pay day loans out all the time and my credit file was rubbish

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Irl claim then too every lender


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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