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    • that is our SB defence yes simply copy and paste it into MCOL.   dx  
    • Apologies in advance for the long post... but I’m desperate now.    I stupidly took out a log book loan a while ago thinking it was my best option. After struggling with my finances and a couple of missed payments the vehicle was repossessed. I managed to get the money together to pay my arrears and the £300 or so pounds they added on for the repo and get back on track.    After a couple of months I got a text (well, bombarded with texts) about topping my loan up which, again stupidly, I decided to do. It was actually a second loan running alongside the first.    Again I fell into arrears and the car was repossessed, again adding the £350 or so fee. I took out another loan in order to Pay get the vehicle back.    I have again fallen in to arrears and I have attempted to lodge a complaint with the company, to which they have not really acknowledged and not advised me of the FOS timescales. I took this to the FOS who advised to go back to the company and if I wasn’t satisfied go back to them. I have submitted a further complaint to them this evening.    I believe I have been let down on several points, affordability, granting of a second loan when I had struggled with the first, unfair repo charges, ignoring my attempts to make reasonable repayment proposals, extortionate fees to release my vehicle and pay for the repossession charges, amongst many other issues.    My main problem however is that I have today been contacted by the repo company who have advised they have been to my address on numerous occasions and have not sighted the vehicle. The chap told me today to speak to the lbl company to come up with a solution this week or they would report the car stolen to the police in order to have me arrested and the vehicle seized.    My mental health has taken a hammering over this (it wasn’t great in the first place, hence the reckless financial decisions) and I fear this could push me over the edge. No car, no job, no house. I know I’ve only got myself to blame but any help would be hugely appreciated.   The loan is via bill of sale however I still have the actual log book.    many thanks 
    • use pdfreducer in upload once the multipage file is compiled 
    • My last response from yesterday seems to have disappeared on here (possibly it didn't get verified), but I'm still trying to get these pics together.   I was ready earlier in the day but discovered my PDF was a lot bigger than 4.5MB and it wasn't postable. I need to divide it into several files, and I'm putting in all of the photos in as it is too fiddly to sort through them etc on my phone. So apologies in advance for redundant one's.   Did you manage to get your zoom lens into action TGS? BTW glad to hear your girlfriend adheres to the same crackpot conspiracy as I do, it's never easy carrying these burdens alone😁
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discod2014

debt collect text message over FERRATUM SAFELOANS PDUK debt

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Today I had a text message which read...DEBTCOLLECT We have failed to contact you regarding your outstanding balance. 3rd party recovery and collections are attending at (my address) for enforcement.

 

I have no clue who this is from and I have had no letters or emails concerning any debt....I have also tried to google debt collect but cannot find any info, there is also none in the message..no number..nothing.

 

Any ideas please ?

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Appears to be the latest trick in the DCAs armoury...if it was real there would be a contact/reference/ etc etc.

 

Have you got any current debts being chased ?

 

 

Andy


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I have one and a letter was sent with proof of posting about three weeks ago and I've heard nothing since but it wasn't with debt collect, who I can't even find when I goggle.

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Its for Ferratum and I don't know I can't remember of the top of my head all I have is the postcode for where the letter went...its for about 250.00 quid.

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so an old FERRATUM SAFELOANS PDUK debt.

 

block their text or report it as spam and bock it.

 

they cant enforce anything unless you already have a CCJ and even then it would be bailiffs not some powerless DCA.

 

anything on your credit file?

 

thread title updated and move to PDL forum.

 

dx


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I can't block it it is weird as my phone which gives me the option of blocking doesn't with this and there is no number attached to it so I can't report it :???::???:

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oh well shows you how legitimate they are then

I bet they are not even FCA registered

go have have a look on the FCA register site

 

 

if they are not then time to report them to the FCA and then the ICO.


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

spreadsheets 

 

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