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    • Thanks,    I've read the info from the link, nothing I wasn't aware of really. I wouldn't talk to a DCA anyway or anybody else over the phone for just about anything, hence the reason I refused to give them my details when they rang up. The only "conversation" I had was when they rang me and asked me to confirm my details, which I refused to do because it could have been anybody on the phone and as I said, I'd never heard of them anyway at that point. I asked them to contact me in writing, if they wished to pursue the matter, with "a copy of the Agreement" and the reply was that "there isn't one". At that point I said "we have nothing more to discuss then" and ended the call.    I'm still not happy about posting the entire details online but I'll take a look at some of the other threads to see if there's anything relative. 
    • Looks like my mistake. The new machine requires the full reg to be entered now, whereas before, only the first two numbers were required. I entered the first two numbers.
    • Reciveed a summary warrant, phoned up the council who said it was not longer anything to do with them and I'd have to speak to walker love the firm who deal with their summary warrants. I said I wouldn't have anything to do with them becasue it looks like a dodgy dca and I  I don't trust them, the debt is with the council not walker love. Anyway turns out they have no record of an arrangement to pay last years outstanding amount so whatever's gone wrong they have cancelled this years installments, even though regular payments have been made, they then took a summary warrant for last years and this years outstanding amount. I've cleared last years outstanding amount to the council and have a payment reference number, and the council say they'll make contact regarding a single person's discount  which was missed and then calculate the payments for the rest of this year. They say they sent out three letters threatening the summary warrant which were not received. Now to my question, my argument that the debt was with the council and not walker love, and as I've paid and agreed to pay what and the council say they'll contact walker love and stop the action, is this correct or will walker love still pursue? 
    • I'm trying to get my head around this. In effect, over the years you have been paying your own bill for yourself and also the bill for your neighbours usage as well – as metered. At the same time your neighbours have been paying their own water bills based on an SS charge. This means that Yorkshire water have been receiving double for your neighbours water. Now they are proposing to return to you the portion which which they now say represents the amount of water used by a neighbour. I think it would be interesting to talk to your neighbours and see if you can get copies of their bills over the years. Our Yorkshire water proposing to return to you the same amount of money that they charge your neighbours? Even if your neighbours don't have all of their bills to hand, maybe they've got one or two bills available and if it looks as if there is a discrepancy then maybe your neighbours would be kind enough to send the water company and SAR as well. I don't know if I have suggested that you read our customer services guide – but if I haven't then you should do so and implement the advice there in case you have any telephone dealings with the auto company. You haven't said whether you want to have a metered supply or to have an SS charge. Please let us know because it makes a big difference to the final solution you will be looking for. If you want to metered supply then I think you are absolutely entitled to insist on it and you are entitled to insist that Yorkshire water and if this is in your garden, they should then pay for any repairs.
    • Not sure if this is the correct forum, so I apologise in advance.   So, the situation I am currently in.. is that a family member opened a Littlewoods account in my name, at the address I used to live at (Family home). The account was opened in November 2018, goods were obtained and then payments were missed. I usually check my credit report and score every month, but (somewhat foolishly) I didn't bother checking for a few months as my score remained the same. I didn't notice this account on my report until several months after it was opened. I obtained statutory credit reports and went through everything. I then filed this issue with Action Fraud.   I contacted Littlewoods and explained the situation to the fraud team, re-iterating the fact that an account was opened at an address I had not lived at for almost two and a half years at the point that this account was opened, not to mention the account is under a 'Mrs', when I am male. They proceeded to tell me that it was a civil matter and not one for them to deal with. I told them that the amount owed wasn't the issue, but rather the adverse effect it was having on my credit score as I was considering applying for a mortgage soon. They simply doubled down on their 'civil matter' point and hung up on me.    I got in touch with Experian, who added a notice of correction to the entry on my report and provided a template for me to send off to Shop Direct. I sent this letter off and received zero response. The family member had started to make payments after I threatened reporting this to the relevant people, but the account, and the several months of missed payments, still remain as a black mark on my credit file. I will add that I got a CIFAS marker placed on my account to try and prevent this sort of thing from happening again in the future.   I have also filed this issue with the Financial Ombudsman. I guess I am posting this because I am not quite sure where to go next or what my next actions should be to get this removed from my credit report. It is incredibly disappointing that a family member would do this to me, but it is also extremely annoying that Littlewoods themselves have been very unhelpful in trying to rectify this issue that has occurred at such a point in my life when I am considering applying for a mortgage. Any help or advice would be greatly appreciated.   Thank you.
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Tash1990

Halifax eviction notice ***Success***

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OK,  I understand what you mean now - I think offering £115 is fine - that would mean you wold clear the arrears in less than a year,  quite acceptable.

 

I will draft a letter for  you in the morning as I have to go out shortly.


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Thankyou very much Ellen u had ne worried for a minute speak tomorrow so you think I have every chance if getting it suspended again them

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Had a letter from Halifax today saying were taking possession of your home you will receive an evection notice shortly etc and to make sure we find somewhere else to live do u think its nesseasary for me to go to the council to inform them or do u think I should wait till we apply to the court when the notice comes through dnt want to be in a mess with no where to go if u think we stand a chance of keeping our home should I need to go to council

Oh and it also says to remove all our belonging lsd before the eviction date getting worried

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Hi Draft letter affixed.   you need to put your address at the top, the lenders name & address under the date and also put in the mortgage account no

.

You should send these letters by Special Delivery and keep the postal receipts  so you can check on royalmail website to print of proof they received them.

 

Send one copy of the letter to Halifax  (make sure you have the right department) and one copy to the solicitors with a covering letter as below: (your address, their address and mortgage account no as the other letter - then put:

 

 

Please find enclosed copy of a letter send to your Client Halifax Building Society.

 

Yours faithfully,

 

 

XXXX

 

 

Enc.

Tash 1990 Letter.doc

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I really don't think you will lose your home for the sake of £1,000 of arrears which can be cleared in less than 12 months.    Send the letters I've posted above and wait and see if an eviction notice appears - we can then defend that in court.   Make sure you send by Special Delivery by 1pm   so they definitely get them tomorrow (I'm afraid it will cost £5 per letter but worth it  as it may stop them issuing an eviction notice)


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Thanks Ellen will get that sorted tomorrow 

 

Not going to have time today as got to go to library to get them printed and I'm at work till 8 tonight just dnt like the thought of being out on the streets with 2 children thanks for being so understanding 

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Make sure you take a couple of photocopies of the letters in case we need them for court.


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Okay will do will get then printed iofand sent by the end of the week I'm working till Friday now so will try my best before hand when I spoke to Halifax on the phone they said the eviction notice wouldn't come to the house till at least the 28th may as they have to wait 14 days ir something  so still have 6 days to get them sent hoping to get em printed if tomorrow hun so will send them Thursday or Friday chic x 

Wasnt gonna be working but they have asked me to do some extra shifts 

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Should I email then aswell or just post just incase 

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I've sent letters of recorded delivery this morning and also got receipt kept 2 copies to x

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OK,  keep the copy letters and receipts in a safe place - best to get a file/folder to keep everything in and in date order - then you will have everything together if we have to go to court.   If you can print out the CAG budget you did sheet at some time it would be helpful to keep in the file - it will be needed for a court pack.

 

You say you've sent them recorded (not Special Delivery) ?    they may not get them by the end of the week and recorded don't always get signed for but SD does, helpful if you need to prove they got them.


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The women on desk said they should get them by tomorrow I have receipt with proof of sending with there address and postcode on for both yes I will get the cag budget sheet printed of just wanted to get letters sent would have cost me nearly 15 pound to get them sd didn't have the money on me at the time hopefully they will get them in time if not I have proof of sending them to show court that i did try

She also said they would have to sign for them she put the sign stickers on them anyway

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OK,  fingers crossed they receive them quickly.  If you wait a few days yu can check on the royal mail website to check they have signed for them.  You can then print out the proof and keep with the letters etc.


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Ok thanks just hope all this is worth it cnt help but worry I'll loose my home x

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Had eviction date through it's the 13th June so still plenty of time to ask for hearing 

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OK,  let's see if they reply to your letters.   If nothing by next Tuesday we'll start to draft your application for a hearing.  do you have a printer at home ?  you'll need to print out quite a few things


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No but can print at library it's only 10p a print ok

 

I'm hoping they will reply to letters as could do without the stress of court fingers crossed will get it suspened again getting scary now making my self worry

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Tracked my letters the solicitors have received theirs just got to wait for Halifax to get theirs hopefully tomorrow now they have signed for it anyway

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They have now both been delivered and signed for so hopeful here something tomorrow if not Tuesday xx

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Also had evection notice from bailiff for the 13th June to my partner thinks we will get evicted because luckk never goes his way I'm hoping we can win this for the sake of my kids and possibly relationship xx really stressing now xx

Just worried we will have no where to live do u honestly think it will go that far 

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Stick with Ell-enn's advice, Tash. If you have a read around the repos forum, she's saved a lot of people from being evicted. I expect she'll reply to this when she's able to. :)

 

HB


Illegitimi non carborundum

 

 

 

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Okay thankyou I have every faith In Ellen it's just worrying when get the letters especially with 2 little ones to think of makes u feel like u have failed them xx I'm just hoping our luck changes xx

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Hi, my laptop isn't working so I'm using my IPad at moment  till I can get it fixed but I expect it will be after bank holiday.  However I can reply to your posts.

I don't think for a moment you will lose your home for arrears of just £1000. We can't do anything till Tuesday anyway and I will be back at work and able to use computer there.

Try to stay positive, you'll be ok


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Ok thankyou Ellen I am staying positive it's just my fella that's worrying as it's the kids home xx

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Hi Ellen we haven't received a letter regarding my offer of payment but we have received a letter of hakifax regarding my complaint I made against them with Walker Morris the solicitors saying there going to look into it and hope to get back to keep shortly it also states it could take up to a weeks which is no good as the eviction taking place on the 13th June if we dnt get it suspended finger crossed we do what will the judge say about complaint will that be good for us if they have not got back to us by then

 

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