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Various Debts resulting for long term Gambling.


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Hi everyone hope you are well.

 

I am trying to get to grips with my finances at the moment and try to take back control of my life after years of chasing loans, PDL loan payments and debt collectors letters.

 

I have had a long standing issue of financial difficulties due to a gambling problem that I have only come to terms with over the last 6 months it has run my life for many years. I cant tell you the hurt it has inflicted on myself and others. Now trying to gain some kind of normality

 

I am starting to try and look at some of my financial issues the i have buried away for a long time. 1 of these issues is an overdraft that i got accepted for back in 2015 and gradually increase after a number of increase requests (until declined for any further amounts) to £4000.

 

since then i have not been in credit on the account and a large chunk of money has gone on interest payments every month making it difficult to use money to settle other debts that i have outstanding.

 

At the time of my acceptance for these overdrafts my account was showing a vast activity of payment going to betting companies.

 

Is there a way that i can get the bank to assist in dropping the interest amounts or is there a case of irresponsible lending that i can put forward to the bank.

 

Any advise would be welcomed.

 

Thanks G

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Open up a parachute account and get any income paid into it.

take control of who can grab it.

 

i doubt you'll get any joy on an irl complaint on it, but most certainly try the PDL's

 

as for any dca's dont go blindly paying them..they are not BAILIFFS and have ZERO legal powers on any debt no matter what its type

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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Hi thank you for the reply much appreciated, no I have 4 accounts open 2 with overdrafts of £4K but neither are my main account. I have also got a loan with 1 if the overdraft accounts  I have just been paying the interest and daily rates for  years now and not been able to reduce the overdraft. Got quite a few dca’s chasing at the moment. 
 

Thanks G

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it might well be better to look at the whole picture 

please list all your debts.

 

original creditor

when taken out

what type of credit

who you pay now

what you pay

outstanding balance

Defeaulted date

 

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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Hi dx

this won’t be easy as I have said this has been going on for a long time but hear goes?

 

black horse x2 loans
marbles credit card
vanquis credit card (last I heard now with Lowell
TSB account with overdraft
TSB credit card
Natwest account with overdraft
Natwest loan
quick quid x3 loans
sunny x3 loans (with SLL just been informed that loans have been reduced through assessing affordability)
Quick quid unknown what loans outstanding
wonga unknown what loads outstanding
wage day advance unknown what loads may be over 6 years?
payday uk 
unknown what loads outstanding
wage day advance unknown what loads may be over 6 years?
tesco credit card
uncle buck
Moneyboat CCJ now transferred to local court
 
Maybe a few more but many have gone through multiple dca’s also some Of the above will be over 6 years since last payment or acknowledgment (Black horse for sure)
 
Not all of them show up on my credit file from what I can see?
sorry to burden you with my problems.
 
Thanks G
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I would only be worried about what now shows on your credit file as long as all of your old addresses show in linked addresses

 

whats this about a ccj?

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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The ones on my credit file are all listed at current address but most of the others would have been at this address but are not showing on the file ? 


I have another thread with this ongoing Evergreen Finance/Moneyboat PDL - Court Claim Received. 
 

Allocated to local court now waiting to hear from the local court judge but I don’t know what I will do when I hear! just worried I will get court costs added on to the amount owed. Don’t know whether I can ask to make some kind of payment once it is allocated ?

 

Thanks G

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yes sorry i had nt clocked the moneyboat thread was you too..

 

as for debts and credit files...a debt won't show if it was defaulted by the oc more than 6yrs ago.

 

are all your old addresses showing on your credit file?

 

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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pers i'd not bother with anything that doesnt show on your credit file

simply ignore whomever has it and keep doing so until or unless you get a letter of claim.

 

so remove from your list earlier anything not on your file for noe

and give us the details requyired on those that do.

 

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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Hi

Revised credit through my latest Experian report. All below are outstanding and showing as default on my credit report. Nothing else showing off my original list which seems strange??

 

Tesco bank credit card: Default Nov 2020

Aqua credit card: (dca Lowell) Default Feb 2021

Mr Lender: (dca Evergreeen Finance) Default Dec 2020

Cashflow (dca Western Circle now calling work asking for me) Default Aug 2020

 

Thanks G

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then send each one a CCA request.

 

as for what shows and doesn't..

17 hours ago, dx100uk said:

as for debts and credit files...a debt won't show if it was defaulted by the oc more than 6yrs ago.

 

i said earlier..

 

i'd simply ignore anything that doesn't show until or unless they send you a letter of claim.

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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Share on other sites

the owner of a debt will be shown on your credit file

 

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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Ok it says Tesco bank but I have had a letter from a dca for that account so will have to look at a letter I had a while ago, all the other 3 are named on the credit file so will send to those just got western circle call at at work chasing me ?Got a couple of the payday loans chasing at the moment as well with emails.

 

Thanks G

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moorcroft, wetcloths, etc etc don't buy debts only chase for their stated clients. so its still with tesco then, good ignore the DCA totally. pay tesco direct

 

calls to work are unlawful ignore

as long as everyone has your correct and current address those that are not on your credit file simply ignore them until/unless you get a letter of claim in the POST.

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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  • dx100uk changed the title to Various Debts resulting for long term Gambling.

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