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    • Hi all,   I had an Lloyds bank overdraft in 2019 with the overdraft amount being £1350 maxed out by December 2019. I had left the account alone for two/three months as the overdraft fees were basically ruining me(Adding to the £1350 overdraft), i then received a letter from Lloyds asking me to phone them regarding this debt (This was January 2020). I had phoned Lloyds and we went through an expenditure on the phone and the outcome was i was to make payment of £30 towards the debt for 6 months and then after the 6 months is up they would get in touch with me to discuss further options. (There was mention in January that after the 6 months there was a possibility of a loan to pay of the remaining balance and then you make payments against the loan for however many years/months you choose.) It is worth noting that whilst i was making these payments they seized all interest on my account.    I have made every payment since January and have gradually managed to reduce my overdraft down to £1200. My problem is that the bank have phoned as it now at that stage for re-discussion, they have asked me to go through another expenditure and i panicked and over estimated things to make it look like i had less income; not loads but i was in a deficit of -£47. Due to this they said they could not allow me to take out a loan as it would only mean i was borrowing more to pay of debt which they would not allow. It then got passed over to another team and he said that i only had two options. Take a one month break with all interest etc stopped and this will allow me to seek financial advice elsewhere, or they said they would default the payment and i can then pay the minimum i can afford but the default would stay on my credit file for 6 years. He mentioned that they wouldn't take any money of me to help clear the debt as i had a deficit of -£47 and that shows i financially cannot afford to do that option. I have looked at the effects a default can make to your credit file and it impacts it tremendously.   Lloyds asked me how i cover my expenses every month and i mentioned that my Grandparents help me out sometimes with cash flow. So the gentleman at Lloyd's suggested going away and asking my grandparents if they could contribute money to me to help aid in my debt. so that he could go back to the original team(I think collections team) and say she now has this ____ He is due to phone me on Thursday (Tomorrow). I can afford to contribute probably £50-£80 a month but it would mean cutting down on fuel and some other expenses.   Its worth noting that i have a credit card with Nationwide maxed to £1000 too and this will soon be at the stage where they charge interest and i cannot afford to clear this either. Is this worth writing to them about?   Is there anyone that can advise me on what to do to help me pay as little as i can and avoid the default PLEASE, any help is really REALLY appreciated.   Thank you all in advance.
    • In terms of whether or not this is a private sale, clearly it will be for a judge to decide. It seems to me that we have somebody here who bred a litter of puppies and has sold several of them or all of them at probably around £1200 each. I think that is very different from selling your own private second-hand car to get what you can for it in order, for instance, to buy another one. Anyway it's for the judge to decide. In terms of whether or not the seller is aware of the defects – if they are a private seller – all it really means is that they are not subject to sale of goods legislation so that a purchaser in a private sale does not have specific protections. After that you have to fall back onto the common law of contract and once again I think that the liabilities are reasonably strict and I still think that even in a private sale if you bought something with defects which was represented to you as being without defects then you would probably have a good case. In this case, the dog has been accompanied by a health certificate and I think that is as good as any kind of representation dog is without defects. I think we are coming to an altogether more interesting issue. Apparently the dental defect with this puppy is observable and could have been detected by any reasonably careful examination carried out by a reasonable professional. But apparently also there is the possibility that there may be a more complicated problem which could be addressed by work costing up to £2000. What I'd like to know is whether this more complicated problem is as a result of the failure to spot the initial problem. Even if the initial problem had been spotted, with this still be a possibility that this more complicated work would be necessary? I suppose what I'm getting to his that at what point does one decide that a defect is an unacceptable defect or simply a risk that comes with purchasing all animals and therefore could still be considered as "satisfactory" because it would meet the reasonable expectations of any reasonable pet owner. To put it bluntly: are we saying here that if you buy an animal is less than genetically perfect, that you are purchasing defective goods and you are entitled to a refund? Does this mean that all animal traders are obliged to ensure that all the animals they sell are genetically perfect? This is dangerous territory: eugenics.  
    • a dn can be issued even on one default payment.
    • I think I still remain to be convinced that a court would not find the seller's offer to take the puppy back and give the OP a full refund both reasonable and acceptable.   Ignoring that this is the sale of a puppy, isn't this more akin to the private sale of a second-hand car?   I don't really know what the phrase:  "I recently bought a puppy from a home breeder. They have never breed dogs before and aren't a licensed business" means.  Is this a business to consumer sale, or is it simply the opportunistic private sale of puppies from a domestic litter?  I think the OP needs to establish this because it's not clear to me - yet.   AIUI, if I as a private individual privately sold, say,  a car with umpteen non-apparent faults or defects with it, but I was honestly unaware of them and could not be expected to be aware of them, then I'm not liable for any breach of contract when those faults and defects manifest themselves to the buyer a week later.  Isn't that what worried private sellers of cars are told here when aggrieved purchasers threaten to sue them?  It's not immediately obvious to me why this is necessarily any different - unless this is clearly a business to consumer sale.   The OP also says:  "Our puppy was sold as having passed a full health check from Vets4Pets", and so far as I can see this isn't disputed.  Unless that health check revealed the dental problem the OP is now complaining about, but the OP never was shown it (seems unlikely that the seller would mention it but not make the results available), then I think the seller may well be entitled to rely on it.  What more could they do to ascertain the health of the puppy?   I think this is not necessarily a clear-cut claim, and from the way the OP describes the breeder I think the question whether this is a consumer sale or a private sale may not have a black or white answer.     1.  The OP mentions following advice to buy puppies bred from a "home pet" (or similar such wording).  Not clear if this was the case here, but if it was, doesn't this suggest a private rather than consumer or trade sale?   2.  The OP also suggests that the health of the puppy was misrepresented, but is this necessarily correct?  They say the puppy was advertised as having had a "full health check", but that's not the same as saying the puppy was actually healthy.  And if it was a private sale, is the seller required to declare health problems they are aware of if they aren't specifically asked?
    • Ok,    I thought it may of helped as their DN stated 2 installments in arrears when it was issued on 10/2/17, but it would infact only have been 1 installment overdue 17/01/17.   I will keep to what I already know and stop over thinking further issues. 😁    
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Pk786

Thinking of an IVA - Loan mistake on form

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Last year i took a personal loan for 20k in jan with natwest
Unsecured loan
On the application it said residential status mistakenly i clicked homeownwer actually living with parents now due to covid going through iva

will this be bought up ?

 

So far paid back about 5k 

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No - I honestly wouldnt worry about it if youve been given a loan. Just dont say anything to them.

When doing it they do a credit check anyway so if they havent picked it up then its not a problem.

 

Are you failing with payments at the moment. There is an alternative as to what *MIGHT* happen but its very rare that it does.. 

 


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Yes i am failing with payments going through iva so i have nothing to worry about?

On iva it says about assets i have written 0 

 

Can this be picked up in the iva ? 

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why are you going for an IVA??

 

not a good idea on consumer debt.

 

as most of the money paid goes to the provider in fees and they always then pressure you to extend it when the 5yrs is getting close as the sums are nowhere near being paid off.

 

IVA in most instances is a CON and so are these wonderful providers!!

 

list your debts please


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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40 k debts in total barclaycard and natwest iva via stepchange 

So the resedential is  not an issue?

 

 

 

 

 

 

 

 

After 5 years how many years can they extend by?

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was your credit file shot with numerous defaults and other bad markers or PDL's when you took any of this credit out? they could be subject to irresponsible lending complaints..

 

when did you take them out?

 

are they still owned by the original creditors or have they been sold to dca's?

 

how long have you been with stepchange paying these off?

 

there is really no need to enter into a secured arrangements like IVA's for consumer debt ...seriously.

 

who said the debts are even enforceable ?

certainly not stepchange, they never check...

 

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Have not started yet with stepchange

Last year jan 2019 took loan out.

No defaults on history 

My intial question was my error on loan application what other options do i have ex iva ? 

 

Still with creditors

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you write to the creditors getting them to accept a small pro-rate payment in exchange for freezing interest and all penalty charges.

 

so who said you had to go for an IVA?

who said you must panic about not being able to pay these back?

it's consumer debt, there is really very little anyone can do, bar mark your credit file, if you can't now meet your payments.

 

what other debts have you?

this NatWest loan

and you say Barclaycard?

it that all that makes up the £40k debt?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Those 2 are the main ones 

Mbna 

Hsbc

Virgin

Shawbrook 

Will they accept my proposal ?

Stepchange said pay them 252 per month

 

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right lets start again..

 

forget the IVA..drop it , cancel it .you don't need one and whomever suggested that wants shooting!!  .forget it.

so forget the problem with any forms and mis information.

 

list your debts please

for each please give:

 

type of credit

the original creditor

when taken out

how much borrowed

how much now owed.

defaulted date from credit file

 

dx

 

 

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Shawbrook Bank  taken 1000 /£900, 

Commsave 2000/£1,950, 

Paypal £765, 

HSBC 3000/ £1,898, 

Virgin Money 4000/£3,408, 

Tesco £368,

Barclaycard 7000/ £6,545, 

Natwest £1,450 

Natwest £1,650, 

MBNA £1,949, 

Natwest 20k/ £16,883,

Natwest 10k £1,291,

Barclaycard £2,466

 

no defaults to date taken out holiday brakes  
 

 

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How much do you currently earn monthly? 

Taken out priority bills etc... How much are you left over with? 


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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 Shawbrook Bank £900 £5

Commsave £1,950 £12

Paypal £765 £5

HSBC £1,898£11

Virgin Money £3,408 £21

Tesco £368 £2

Barclaycard £6,545£40

Natwest £1,450 £9

Natwest £1,650 £10

MBNA £1,949 £12

Natwest £16,883 £102

Natwest £1,291 £8

Barclaycard £2,466 £15 

 this is stepchange pro rota plan per creditior   

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send each one the below for each debt

forget paypal totally mind! not ever enforceable 

 

what is commsave please never heard of 'em??


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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send each one the below for each debt

 

forget paypal totally mind! not ever enforceable 

 

what is commsave please never heard of 'em??

so forget that then you've been with stepchange for a good while

I did ask when did you start with stepchange please?

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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they took my wifes earning in to account and said 252 per month earning,360 per week, she earns 280 per month

comm save are a credit union 

 

step change last week I have not signed their proposal 

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what!!

the debts are nothing to do with your wife!!

 

so go follow my last post

dump stepchange !!

 

do it yourself

 

on your list

can you please add when you took each type of credit out please.**IMPORTANT**


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Posted (edited)

mostly in jan-mar 2019 

one was taken out in 2015 for 10 k 

Shawbrook was this year march 2020 for 1k 

 

so if I did stay with stepchange will the iva get me into any fraud issues 

Edited by Pk786

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fraud..whats that got to do with anything??

 

but no.

 

it just doesn't sit right with me that you managed to enter into £40k worth of debt in 6mts.

 

do it yourself

don't use step change

creditors can't get blood out of a stone

your wifes income has stuff and all to do with your debts.

 

 I've moved you to the debt selfhelp forum..

have a read of a few peoples threads to see how others managed to do it without entering into an IVA.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Fraud meaning my mistake on form

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as has been already pointed out by london1971, regardless to your 'mistake' the creditor will carryout affordability checks, if they missed that fact, tough luck on them.

 

don't be embarrassed by debt, don't be morally pressured by your peer group or anyone into thinking you are inferior because of debt and must further indebt or compromise your position to pay debt off.

 

the whole industry in duty bound to HELP YOU.

you don't need an IVA , you simple need to take control of YOUR money and who gets it without signing up to schemes that put a millstone around you neck for atleast 5yrs and more, whereby most of what you pay for these schemes goto the provider in hidden fees.

 

follow the pro-rata route, do it yourself, you don't need stepchance, 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thnxs alot

 

Where is this debt self help?

 

Where is this debt self help? And what i told them about my residential status is that not misleading

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as I've said several times now forget about the document mistakes

that is not any issue.

 

have a read of a few threads here

https://www.consumeractiongroup.co.uk/forum/124-debt-management-and-debt-self-help/

it tells stories of other peoples debt woes

just like yours

and how they dealt with them.

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi

 

Using stepchange to ‘help ’you through this is like using petrol to try and put a fire out.

 

Getting into an IVA for all of your debts now is like using a JCB to crack a nut.
 

They are not giving you proper advice because they are desperate for commission off your misfortune.
 

Am I correct in reading that none of these have defaulted yet?

 

How much of your inability to make payments is down to Covid 19 related loss of income?

 

Are you a homeowner?


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

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Not a homeowner all over time finished 

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