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Hi All,

it's been a while since i've posted,

 

2017

- my life changed and i got married in may ,

during this time we had a house through her name as i had bad credit,

my wife and me was struggling to pay mortgage so we took a 5k max loan with repayments of £200 per month and i was paying this,

 

october 2017 i was made redundant i didn't get any pay out as i was there under a year,  

 

we spoke to amigo loans who were rude to me and my wife and we was arguing with them,

we was struggling to pay amigo and all other bills they wanted to do a wage check to see how much we can afford

- we offered £100 per month but they got angry with us and rude and threaten to take us to court.

it took a toll on our marriage, 

 

december we spoke to them again and offered £150 i was doing minimal work as it was christmas period and this took even more stress on our relationship with debts coming up. again they were rude and threatening to take us to court and we are in the boarder line to the court team.

 

Jan - 2018

we split up as everything was causing us non stop stress

- i was admitted to a mental home for 6 months

during this time i didnt have my phone until i came out

 

i was greeted with about 100 text messages and voice notes and emails to say to contact amigo,

plus suffering from depression i sent amigo an email to let them know,

 

several weeks later i got sorry to hear that you are suffering "if there anything i could do as we dont want this to happen to you we have a support line" and please contact us to discuss your payments, i emailed them to say im out of work and willing to offer £20 per month until i return back to work and got better, 

 

November 2018 - amigo emails me to say they are in process of taken me and my ex wife to court

- to avoid anything please make a payment and discuss wage affordability.

i sent a stinking email to say im still suffering from depression not working still unable to pay.

 

January 2019

- I got a email from court team to say they are going to proceed with ccj

i made a huge complaint about them, and more bad news for me i was admitted to hospital with inflamed stomach and gall stones 

 

i was admitted to hospital for two months until i was better no op date to have gall stones removed. i checked my emails every day heard nothing back,

 

I lost my my mum this year also july/august and i thought i check my noodle (credit karma ) upon result even asking them to stop interest and help me out the loan is now well over 11k, 

 

it's stressing me out and effecting my credit report i have not any credit.

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Hi

 

Quote

January 2019 - I got a email from court team to say they are going to proceed with ccj 

 

 

So have they actually submitted a court claim ?

 

Andy

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Nope i have not had any letters but i have moved several times this year, but am settled now into a new place, i have had redirection letter setup since ive moved in,

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So what is the email from the court team you refer to ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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Amigo has customer services who are rude they send users emails regarding payments and affordability.

Amigo then "refers to a team called court team who will process the court proceedings if there is no solution of payments" i got an email from a guy back in may to say 

 

"dear xxxxx

     As you are probably aware the default letter expired 22nd January 2018, As we are yet to have an resolution in place to clear arrears the account has been assessed for court action going forward.

 

it is extremely important that you call us today so we can try clear the arrears or put a plan in place to do so, the arrears stands as £3,873.38 <---- which i cant due to my mental health and losing my mum and depression. i did state to the guy he responds to that, 

 

Yet they still add interest and add so many defaults each month. £11,876,000 now.     

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Right so not actually from the courts but from their legal team that sit at the posh desk near the toilets who are allowed to use pens rather than crayons.

 

Do not respond...retain all texts and emails and sit and wait until they send you a Letter of Claim which they must as per the Pre Action Protocols before they can issue a court claim.....if and when you receive this come back here for further advice.

 

Don't worry about the interest and defaults..its irrelevant to you in your situation.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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little tip

stop ringing them

block and bounce their emails and texts.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i have now

- just want the debt to stop going up its getting to a stupid amount now.

 

its causing me more depression as ive been struggling to get straight for over a year now not touching credit

i want to get a mortgage soon ive been homeless last few months i've moved 3 times, i've been saving.

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doubt you will if your credit file is trashed with defaults?

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ignore them, until / if you get a PAP, everything else is just noise, and not worth the paper it's written on

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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27 minutes ago, dx100uk said:

doubt you will if your credit file is trashed with defaults?

 

 

some have gone now even the welcome finance one i had few years ago the ccj, im in middle of talking to Lowell as they have decided to buy old accounts and try give me 2 ccjs 

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talking ..hope not!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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why the rush?

 

stop talking to powerless DCA's

they are NOT BAILIFFS

and have 

ZERO legal powers.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 9 months later...

hey,

   can you help me send a affordability complaint

i've been fighting these's guys since 2017

also now my loan is 11k

did not know you can do this?

 

what template did you use?

 

 

thanks

 

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posts moved to your existing thread

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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