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Hi im new to the forum

 

I have recently stopped paying my loan, I recall the loan company sending me out my loan agreement and making me hand sign it in late 2016.

 

If I was to do a CCA will they need to show the signed agreement?

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no. They can use a reconstitiuted version of the conditions

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who with tell us more please


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Hi thanks, so the t&cs for the relevant period.

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they must be the T&C's for the date you took it out

and have you name and address on them

 

not some old junk they've gotten out of their filing cabinet claiming these were the ones sent to you..

 

who the original creditor and who did you send the CCa to?

what type of credit too?


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Can someone tell me whether HSBC and Tesco are still merged together.

 

 

Any of these banks linked

 

 

Bank Of Scotland

Tesco

Natwest

Nationwide

MBNA

 

 

Thanks in adv

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Tesco never were HSBC

they were Royal bank of Scotland [RBS] many moons ago.

 

none of the above are linked no. why?

 

after a parachute account?


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MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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Thank you for responding.

 

No i have debts with all of them except for natwest, i have bank acc with natwest which i assume is safe to use?

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if you mean to prevent off-set yes.


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

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Im getting loads of phonecalls from different debt collection agencies, its really annoying now, my contract expires next month I may change my number.

 

 

Is this a wise idea, or agitate them more?

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You can change your number or block them. You can also write to them stating that you have had phone calls, and they are only to write to you from now on. Any further calls will be considered as harassment and be reported as such.

 

Which DCA's are they. What debts do you have. It's not advisable trying to hide away from debts ( not saying you are, its just an observation)


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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pointless really they'll soon find it

 

why are you getting calls

whats the debt all about

who is calling

lets deal with them for you.

 

dx


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MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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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

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ive merged your three 1/2 post threads to date here now

then the story makes more sense...

 

so who's calling you?


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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Moorcroft for a Tesco loan debt, I offered a £1 token payment they didn't reply back they said they received the letter.

 

I also have credit card with them but they accepted £1 token offer for 6 months then review.

Edited by onebyone

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tough block them

mobile or home phone?


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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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Tesco loan just outsource the debt Moorcroft but they didn't reply back to my £1 token offer but they wrote back and said they are aware of my debt problems,

 

my contract is expiring I thought it would be easier to just receive letters and deal with it that way, whatever happens. CCJ, debt management etc

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you are paying them and anyone else you offered.the £1PCM?

 

don't forget a DCA is NOT A BAILIFF.

zero legal powers the lot of 'em.


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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MBNA have been the best,

I offered them £1 token they said we would freeze interest and review in 1 year no token payment required, BOS are buggers just ignore the token payment, so I just blocked them.

 

sorry mbna said they will freeze interest.

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Well received letter today from pra group who state they have purchased my debt from mbna, they sold it 6 months after i got in difficulty.

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Cca request time now its been sold by the OC.


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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its only been around 6-7months since I start missing payments, should I not wait till they threaten court?

Defaults only c.3 month old

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Nope. CCA them now. If you wait until then, and they produce the full CCA, what would you do? better to get it going now than wait.


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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Many thanks for assistance, if they produce the full cca now what will be different then producing it then.

 

Is poking the bear wise.

 

Thanks in advance.

 

This credit card taken out 3 years ago.

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TBH probably very little difference

the card is only 3yrs old and it will be a miracle the CCA is not found or not compliant for that age when you get it.

 

as long as the original creditor knew your current correct address I e you've not moved since taking it out.

i'd await their threat-o-grams.


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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