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    • Lex Autolease have advised me that I do have the 14 day cooling off period. It's in their business contract t&c's.    I would like to cancel the finance part of it before the period is over but they won't let me and Lex are saying that I can't do it direct as they don't have paperwork yet.     
    • Yes Jase a default can be registered for current accounts that attract an overdraft...although the default would have placed by HSBC not Intrum Finance.There name would have been added when HSBC assigned the debt to them.   Andy
    • Hi,   Not sure if this is the right part of the forum to ask this but I have a default on my credit report for an old HSBC current account dating back to 2015.  The default has been placed by Intrum Finance.   My question is that I thought a default is usually for something where a credit agreement existed?  Can they list a default for a current account where there was no agreement in place?   Thanks in advance,
    • and don't waste money on recorded delivery!! 2nd class stamp is good enough.   if you wish to do a budget sheet that's upto you but never fill out theirs.   and again if you want to send creditors that, its upto you but you do not have to give them any of your pers financial info NONE of their business esp a DCA!! only a judge can demand that info.    
    • But the 14 day cooling off period does not apply to you because your a LTD Company.....even though the charge is unfair there is no way around it B2B
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Emma13

Old 2007 LLoyds loan..been paying Apex, now Robbersway want paying as well!!

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29 minutes ago, dx100uk said:

Scan it up to pdf read upload

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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no PDF please had to remove those as you've left identifiable barcodes etc showing.

read upload 

ONE multipage PDF only please 

then attach that by clicking choose files below the box


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yep that all looks ok to me.

 

see if they get their fake/tame solicitor to send you a letter of claim under PAP rules before you go jumping into being fleeced again


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Ok....so just to clarify....I just sit and wait for now?

Thank you for your help in this 😊

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21 hours ago, Emma13 said:

I've re-read back through the replies I've had on this thread and can see I was told to offer £1 But I'm really worried they will still can me.

Offering a token payment won't necessarily stop a money claim against you unless the creditor agrees. A judge won't penalise the creditor for rejecting the offer either, particularly if you can afford to pay more.

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On 3/2/2019 at 5:42 PM, dx100uk said:

see if they get their fake/tame solicitor to send you a letter of claim under PAP rules before you go jumping into being fleeced again

Can I clarify what the letter of claim is please?

If i wait to see if this happens does that not open me up to ccj proceedings? 

Thank you

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Thank you. Does what they have sent (as attached) not equate to this? Cca request honoured with letter giving 30 days?

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Nothing in your upload resembles what I have posted in the link.


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No read post 29


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.

 

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Ok so now I have received a letter telling me the debt has been passed to CSL! So maybe RW didn't own it before 🤔

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from whom?

dx


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

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17 minutes ago, dx100uk said:

from whom?

dx

2 letters in the same envelope....1 from Lloyds and 1 from CSL

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you mean notice of assignments?

dx

 


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

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11 minutes ago, dx100uk said:

you mean notice of assignments?

dx

 

Yes. 

Lloyds letter saying they've transferred debt to dca

CSL letter is notice of instruction

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who do csl state is their client?

 


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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Lloyds banking group. 

1st line says '.....have been instructed to collect the o/s debt owed to Lloyds banking group'

There is a footnote at the bottom too saying our client has registered my default with CRA...1st I've heard about this.

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Ignoree them


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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