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By brassnecked · Posted
Yes good points from Gick, no papers were actually served on you personally so Gick's amendment makes more sense. -
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Hi Yorky and BT Thanks for the reassuring advice. I’m in Scotland Yorky, so factor is just the management company but I think it’s one of the priority bills you mentioned but not entirely sure. I take on board though that I should stop using the cards so maybe paying them off to use isn’t the best plan. Also, I think I’ve offered more than I should have trying to keep the OCs happy rather than what is affordable. Probably made a few errors of judgment and got a bit confused too. My wife doesn’t have an income. Offering £1 rather than maintaining them sounds a good way forward. Starling and Monzo have put an arrangement in place but I can still use the account, they said they wouldn’t ever take more from the overdraft than the agreed amount. So I’m a bit confused that I’ve offered pro rata but not getting defaulted and instead getting arrangements to pay and keeping the accounts open. I thought doing a CCA on a new debt (from 2021) with a DCA would be easy for them to get the agreement, that is interesting if you know any more, this is another reason why I was trying to do it the way I was but I feel like I’m drowning rather than getting anywhere but feels so close at the same time to making it through. Do you mean paying full and final on a credit card for £100 for example, pay it in full or offer a percentage. Just a bit unsure on that, I’ll have more of a good read on the forum. It’s good to see other perspectives on it, I think I’ve got really stuck and just have stopped going anywhere focussed and need to get back on track. I think the usual moral dilemma is playing a part too especially as some of the original creditors have been quite understanding. Others haven’t as much. Thanks again -
By duchess777 · Posted
Hi Yes , I have been searching for answers over the years and coming to a dead end . To answer your question six months after I had the loan they took me to court for arrears as I explained to the brokers at the time that I was not working and they told me that I would get money from the loan to cover payment for a while which I never received . so I was stuck and got the suspended order . I did appoint the mortgage company and you are right I did get scammed . I did not take Swift to court , they took me again this time they supplied the paper work and I saw the cheque they said they gave me , hence I refuted this and the court requested they send me a copy of the cashed cheque which they did not to date . The date was 2017 . Then I became very ill and had other matters to deal with . I then got some money and paid the arrears to them . In respect of the interest the balance to date they stated was 68,000. I can only ask the question if the money they stated they gave to me does not add up how can you put interest on monies not given to a customer . In respect of uploading the paperwork I am slightly worried as you can understand I really do not know whom I am really talking to , hence the caution. Sorry if I took up your time I was just checking but I am grateful for your response to date . -
It is an excellent document but to be nit-picking, you might like to change November 25th 2021 - I was served court papers at an address I was no longer living at to simply court papers were served at an address etc as they were not actually served on you Also in point 6 you have missed out 'when' in the second sentence. Not only was I no longer at the address the claim forms were issued,
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