Announcement

Collapse
No announcement yet.

Homeowner debt

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • #16
    Originally posted by Nik nik View Post
    I’ll able to do separate posts on Monday.

    Separate post for each debt will help the Mods and other members to follow the story and make up-to-date suggestions.

    Simply re-quote the post and add any new information as and when it happens.

    Here's an example of a perfectly laid out Diary > https://all-about-debt.co.uk/forum/d...xie-s-ue-diary

    I look forward to helping you on your journey.

    Di
    Legal Disclaimer

    I am a Litigation Executive at
    Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

    Comment


    • #17
      Hello Di,

      •It was Barclaycard from the start.

      •RBS sent default notice (yesterday)

      •Shawbrook and lendable sent an agreement on my email to sign.

      Sorry I wasn’t able to separate posts as I had to work without day off, hope I can do it next week.

      Thsnk you do much for your time

      Comment


      • #18
        Hi,

        I am posting list of all my debts, please advise how to avoid CCJ and Charging Order? Can I offer all my creditors £5 or £10 a month until my current situation will improve? i am worried and scared

        Any advice and help will be greatly appreciated.

        Thank you in advance.




        Comment


        • #19
          Hi,

          I am posting list of all my debts, please advise how to avoid CCJ and Charging Order? Can I offer all my creditors £5 or £10 a month until my current situation will improve? i am worried and scared

          Any advice and help will be greatly appreciated.

          Thank you in advance.




          Comment


          • #20
            Debt 1️⃣
            •NatWest credit card
            •Date commenced: 2009
            •Limit: £8700
            •Currently: £8909
            •Last full payment: £187 on 23/11/2018
            •default notice: 8/03/2019
            •Not paying

            Received from NatWest:
            •1/02/2019
            This notice is being sent to you as requested by the consumer Act 1974 because default sums have levied on the account. (£12)

            •1/03/2019
            This notice is being sent to you as required by consumer credit act 1974 because you are behind with your payment (£197.93)

            •I sent I&E and offered £50 a month

            •7/03/019
            Thank you for your proposal for repayment of the account.

            Account will be closed and interest will not be charged.

            •I called to set up D/D and they requested £125 a month. (Not paying)

            •1 April 2019
            Account termination

            ————————————————23/04/2019 requested CCA
            08/04/2019 received CCA
            Niddy said it’s enforceable.
            Last edited by Nik nik; 14th July 2019, 22:18.

            Comment


            • #21
              Originally posted by Nik nik View Post
              Hello Di,

              •It was Barclaycard from the start.

              •RBS sent default notice (yesterday)

              •Shawbrook and lendable sent an agreement on my email to sign.

              Sorry I wasn’t able to separate posts as I had to work without day off, hope I can do it next week.

              Thsnk you do much for your time
              Hi Nik nik, Just Reading your thread and noticed Shawbrook and Lendable have both emailed you an agreement to sign, DO NOT DO THIS, I take it if I am reading correctly they have no signed agreement from you, this can only be a good thing.

              Comment


              • #22
                They send loan agreement on my email and I signed
                in a box (I think it’s e-signature?)

                Comment


                • #23
                  •Debt 2️⃣
                  •Natwest credit card open 2006
                  •Limit £300
                  •Currently: £305
                  •Last payment 12/2018
                  •Default notice: 15/03/2019
                  •Not paying

                  •14/03/2019 received:
                  your account will be cancelled
                  within this agreement interest will not be charged


                  •I will send CCA request.

                  Comment


                  • #24
                    Originally posted by Nik nik View Post
                    Hi,

                    I am posting list of all my debts, please advise how to avoid CCJ and Charging Order? Can I offer all my creditors £5 or £10 a month until my current situation will improve? i am worried and scared

                    Any advice and help will be greatly appreciated.

                    Thank you in advance.



                    Hi Nik nik, someone better qualified than me will be along to help, but what I can say is keep posting, you will have the very best help and you are a very very long way away from a CCJ or charging order (if at all). Please try not to worry, we have all been in your shoes, it is scary, but if you accept what is being suggested here, follow the advice and never phone these companies or make any contact without posting here first you simply cannot go wrong. Good luck on your journey, in a few short weeks or months you will get to grips with things and life will seem much easier. X

                    Comment


                    • #25
                      •Debt 3️⃣
                      •RBS credit card open 2006 (originally was Mint)
                      •Limit £500
                      •Currently: £510
                      •Last payment 11/2018
                      •Default notice: 29/05/2019
                      •Not paying

                      •Debt 1,2&3 all with NatWest.

                      They didn’t accept minimum payments for debt 2&3 i was told I have to pay £125 towards all accounts.
                      •not paying

                      •I will send CCA request

                      Comment


                      • #26
                        •Debt 4️⃣
                        •Barclaycard
                        •commenced: 2006
                        •Limit £8000
                        •Currently: £8,583.45
                        •Last full payment: £230 on 12/2018
                        •Default notice: 14/04/2019
                        •Not paying from this month

                        •I sent I&E with £50 offer.

                        •14/02/2019 received:
                        In order to help you we require farther more details regarding I&E

                        •I ignored all phone calls but Paid £50 each month.
                        From this month I’m not paying.

                        •3/02/2019 received:
                        We need to speak to you as soon as possible etch.

                        •14/04/2019 received:
                        You have missed number of payments and account is overdue your card has been permanently cancelled.
                        Please get in touch straight away

                        •30/05/2019
                        Default notice

                        •14/06/2019 received email:
                        We know that payments on your account are very overdue - but we can still help you and stop your credit rating from being affected any more.

                        •23/04/2019 requested CCA
                        •08/04/2019 received CCA
                        •Niddy said it’s enforceable

                        Comment


                        • #27
                          •Debt 5️⃣
                          •Shawbrook personal loan
                          •Commenced: 2016 (applied online)
                          •Terms 60 month
                          •Amount of credit £10,000
                          •Total payable: £13,405.80
                          •Monthly payment £223.43
                          •Account balance: £6,945
                          •Last full payment: £223.43 27/12/2018
                          •Arrears outstanding £996

                          •01/2019 Sent I&E with £50 offer, they requested 3 month bank statement and payslips, i didn’t send and ignored phone calls.
                          When I applied for loan they didn’t ask for statements and payslips.

                          they sent 3 or 4 letters but i can’t find.

                          •I’m paying £50 a month.
                          •This month paid only £10.

                          •Received CCA Niddy said it’s enforceable

                          Comment


                          • #28
                            •Debt 5️⃣
                            Last edited by Nik nik; 14th July 2019, 22:22.

                            Comment


                            • #29
                              •Debt 7️⃣
                              •Very catalogue open 2006
                              •Credit limit: £4000
                              •Outstanding: £3060.93
                              •Last payment: £190 made 11/2018
                              •No default notice

                              •12/12/2018 Sent I&E
                              •paid £50 a each month
                              •Stoped payment from this month
                              •I’m ignoring calls.

                              (2015/16/17 I spent Around 17K and paid back)

                              •Sent CCA request on 26/4/2019 no reply

                              8/07/2019 received:
                              the payment clause of the agreement provides that you must make the required periodic payment in full by its due date. You are in breach of that clause because you failed to make all your periodic payments in full when due.
                              If you do not take the action required by this notice before the date shown then the further action set out below maybe taken agains you.
                              if you have difficulty in paying any sum owing under the agreement or taking any other action required by this notice, you can apply to the court which may make an order allowing you or any surety more time.
                              Last edited by Nik nik; 14th July 2019, 22:34.

                              Comment


                              • #30
                                •Debt 6️⃣
                                •Lendable personal loan (applied online)
                                •Commenced: 01/12 2017
                                •Amount of credit £10.000
                                •Last full payment: £258.31 on 29/10/2018
                                •Total payable: £15,566.67
                                •Monthly payment £258.31
                                •Account balance: £9832.24
                                •Not defaulted

                                •11/2018 I called and they agreed to reduced payment of £100 for 4 month.

                                •03/2019 cancelled D/D

                                •25/04/2019 received email:
                                IMPORTANT INFORMATION ABOUT YOUR LOAN AGREEMENT ACCOUNT NUMBER 39164

                                Following a recent review of our customer account communications, we have found that some Notices of Sums in Arrears (notice) that we provided to customers did not fully comply with the requirements of the Consumer Credit Act 1974 (CCA). This was because we sent the notices later than required by the CCA. The relevant notice has since been sent to your registered email address accompanied by the FCA Arrears Information Sheet, which is required to be included under the CCA.

                                Under the CCA you are not liable to be charged any interest accrued for the period during which we failed to provide you with compliant notices nor are you liable to pay any default sums (that is any late or missed payment fees, or other related sums that were applied to your account during that period.)

                                We can confirm that you were not charged any default sums during the relevant period but you were charged interest. As we charged you interest during this period of non-compliance, we are crediting you all the interest you were charged during this period, totaling £8.43.


                                •15/05/2019 received email:

                                If you are experiencing financial difficulty, we will be happy to discuss your individual circumstances with you.

                                •I reminded them of CCA request
                                •Same day received on email with CCA

                                •15/05/2019 they requested 3 months bank statments and payslips.
                                I ignored email.

                                1/07/19 I received 3 emails from lendable:
                                Your Lendable account is in arrears. If we do not hear from you today we may send a local representative to visit you as we need to understand your circumstances.

                                12/07/2019 found letter from representative:

                                i gave I’ve been instructed to contact you by our client but have been unable to meet with you.
                                To prevent a further visit please contact our client
                                and then call me to confirm that you have done this.
                                If i do not hear from you I will visit you again over the next few days.





                                Last edited by Nik nik; 14th July 2019, 22:15.

                                Comment

                                Who's Viewing Thread: 1 (0 members and 1 guests)
                                Working...
                                X