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    • Hi there, Just a query regarding Savvy. I took out a loan with them in October 2019 for £750. This would be repaid over 52 weeks at £28.27 per week. I maintained payments on a regular basis until 20th March 2020 by which time I had paid a total of £565.40 (20 repayments of £28.27. I notified Savvy by live chat that I had been furloughed on 23rd March and would struggle too make repayments. i also emailed them on 27th March with confirmation of my furlough. They asked for Income/expenditure - not unreasonable but the template they asked me to use was shocking to say the least. I then sent them my own version drafted with help from National Debtline. This is a self service budget that I can amend and save as necessary.   Long story short and I am now back in work and my wages are back to normal. However, i am required to move house for personal reasons and the current landlord wanting the house back - well notified so there is no issue there. I have also kept Savvy up to date, especially as my family have suffered mental health issues in the early part of this year. Again i have notified Savvy, filled in a new IE form. This is the response I received.   Thank you for your email.   I have updated the income and expenditure form based on the information you have provided which shows you have a minus disposable income of £66.86, we allow £50.00 emergency cash which leaves a minus disposable income of minus £116.86.   Can you please confirm how you make up the deficit each month?   When the loan was issued in October 2019 an income and expenditure form was completed with you, can you please confirm the reason the following has increased.   Rent/ Mortgage has increased by £1,162.00   Housekeeping has increased by £580.00   Household Bills has increased by £507.40   Car/ Travel has increased by £123.80   Social has increased by £150.00.   Due to the changes to your financial circumstances we would need to see a 90 day copy of your bank statement.   Please find below a link to a system we use calls open banking, please click on the link and log in your online banking details this will automatically generate a 90 day bank statement.   LINK REMOVED.   I have placed your account on hold until the 12th August to allow time for the bank statement to be sent in.   They have now issued a default notice.   Any advice would be greatly appreciated before I initiate a complaint against Savvy. I have maintained reduced monthly payments in line with what I can afford. Is it reasonable for Savvy to ask for access to my bank statements. They did not ask for them when I took out their loan.  
    • Click on the SAR link. They will send you everything, that they have on you, screen shot's , emails, etc.  You will be looking for, and will easily find the date that a default notice was sent out, and sold to Cabot. If the default date is before your last payment date then it will be statute barred in 3 months.   Providing the DCA has your current address I really don't think you have anything to worry about. 
    • Is it possible to see my defaults from over 5 years ago anywhere. Not showing on my credit file. I downloaded the whole thing from experian. 
    • Do I just try to say I haven't received there correspondence and ask them to send it recorded delivery and hang it out until 2021?
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Lisarut91

Talk talk debt through BW legal

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Hi 

 

my other half received a letter about a month ago from BW legal stating he owed around £400 for talk talk account from 2013 

 

we called talk talk. Can’t pass security as his phone number and email address don’t match the ones on file and there is no way around this 

 

we sent a subject access to BW legal they’ve wrote back to say they’ll be in touch shortly but they aren’t suspending collections activity while this is being investigated? 
 

BW legal told us on the phone the last payment was made April 2013 but legal action started Jan 2014  so it’s still enforceable until jan 2021 

 

non of this is showing on his credit file. 
 

where do we go from here. Obvioisly we don’t want to impact his file but how can we prove it’s Not his debt as we can’t even access the account!? 
 

surely they can’t continue with collections activity without supplying this information we’ve asked for. 
 

any help or advice would be appreciated :) 

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do you mean they are saying lowells got a CCJ by legal proceedings?

if so when?


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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BW legal told us on the phone the last payment was made April 2013 but legal action started Jan 2014  so it’s still enforceable until jan 2021 

 

Thats 7 years...wasn't aware the SOL had been extended from 6 to 7 years ?...Statute barred whatever they mean by legal action.

 

Andy


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