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  • Re: Cecilia PDL diary

    Originally posted by cecilia View Post
    Thanks SnV,

    I am not worried about court, as my Credit file got trashed as soon as I defaulted.

    What is the Tomlin order?

    Are you aware that I wrote to them on 4th September with an offer from my I&E form, they responded on the 5th September, clearly stating they could not accept my offer?
    Well if court doesn't bother you and you don't care about your credit file, then they have nothing further that they can threaten you with.

    A Tomlin Order is an agreement between a creditor/debtor which can be useful in certain (not all) circumstances. We'll cross that bridge if/when we come to it.

    I do remember they refused your payment offer - send it to them again. Remember - the OFT frown on a creditor refusing a reasonable offer that has been calculated with CFS format. Each time you send them this offer, and they don't accept, it works in your favour. Keep the goal in mind here - you want to be the reasonable person trying to sort this out, and you want to be able to demonstrate that they are the unreasonable, bullying, unethical company. It won't be difficult to achieve this
    "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

    The consumer is that sleeping giant.!!



    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

    Comment


    • Re: Cecilia PDL diary

      My thinking is that my credit report is trashed now, so if they take me to court, is it going to make that much of a difference. My understanding is that defaults will be on my file for 6 years, in the same way a CCJ would, maybe someone can correct me.

      I care about my credit file, but as I have defaulted, I can't repair it for the next six years, right?

      Thanks for explaining what a Tomlin order is.

      Will send them another letter.

      Comment


      • Re: Cecilia PDL diary

        Sorry i didnt mean to confuse you, what i meant when i posted was, even if your default came off, agreing a repayment or full and final now, wouldnt come off at the same time as the default, it would be 6 years from when it was last paid.
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment


        • Re: Cecilia PDL diary

          Don't give a damn about my credit report. Stuff the system, totally corrupt!

          Comment


          • Re: Cecilia PDL diary

            Originally posted by cecilia View Post
            My thinking is that my credit report is trashed now, so if they take me to court, is it going to make that much of a difference. My understanding is that defaults will be on my file for 6 years, in the same way a CCJ would, maybe someone can correct me.

            I care about my credit file, but as I have defaulted, I can't repair it for the next six years, right?

            Thanks for explaining what a Tomlin order is.

            Will send them another letter.
            Hiya

            Any response to your email yet from Speedloan yet?

            Your understanding is correct - however a lot of lenders are only concerned about last 3 years history, so any default older than 3 years will start to create less issues.
            "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

            The consumer is that sleeping giant.!!



            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment


            • Re: Cecilia PDL diary

              Originally posted by cecilia View Post
              My thinking is that my credit report is trashed now, so if they take me to court, is it going to make that much of a difference. My understanding is that defaults will be on my file for 6 years, in the same way a CCJ would, maybe someone can correct me.

              I care about my credit file, but as I have defaulted, I can't repair it for the next six years, right?

              Thanks for explaining what a Tomlin order is.

              Will send them another letter.
              Hiya

              Any response to your email yet from Speedloan yet?

              Your understanding is correct - however a lot of lenders are only concerned about last 3 years history, so any default older than 3 years will start to create less issues.
              "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

              The consumer is that sleeping giant.!!



              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment


              • Re: Cecilia PDL diary

                Originally posted by SaltnVinegar View Post
                Hiya Any response to your email yet from Speedloan yet? Your understanding is correct - however a lot of lenders are only concerned about last 3 years history, so any default older than 3 years will start to create less issues.
                Hi SnV, No response from Speedloan yet, I didn't email them, as I have no email address for them. Sent them a registered letter in the post.

                Comment


                • Re: Cecilia PDL diary

                  Originally posted by cecilia View Post
                  Speedloan(Part of Albermarle and Bond)
                  Started approximately 2004 as cheque cashing, stopped cheque cashing a few months ago, and converted into a loan.
                  Interest paid to Albermarle and Bond from 2004 to 2013 £16,320

                  Loan £800
                  Owe £1120 including interest
                  Default charges £112
                  Monthly payments £112
                  Last payment beginning July 2013
                  Defaulted August 2013
                  Received text from Speedloan 2nd September
                  Wrote to Speedloan 4th September
                  Received letter from Speedloan 7th September rejecting my offer.
                  Received letter from Speedloan 18th September, asking me to contact them urgently, give bank account and debit card details,to set up direct debit.
                  Received text message from Speedloan 26th September to discuss account
                  Received default notice from Speedloan 3rd October in normal post
                  Wrote to Speedloan 10th October
                  Received Notice of sum of arrears from Speedloan 12th October in normal post

                  SnV,

                  You must be Psychic, got a notice of Arrears in the normal post today, dated 9th October. They had not received my letter yet, as I did not send it till the 10th October. I thought Notice of Arrears came before the default notice not after.

                  Notice of Sums in Arrears

                  Contract type-Speedloan under Agreement No

                  Pursuant to Section 86B of the Consumer Credit Act 1974

                  This notice is being issued because you are behind with the sums payable. This is a serious matter and we urge you to contact us (see the contact details below) as soon as you possibly can in order to discuss the position and make a mutually satisfactory arrangement.

                  Payment History

                  Current Account Balance brought forward
                  Account/Arrears brought forward

                  8/9/13 Payment due 112
                  8/10/13 Accrued LPI 10
                  8/10/13 Payment due 112
                  Totals 234

                  Current account balance carried forward £1130
                  Account arrears £234

                  Consumer Information On:

                  Default Sums and Interest

                  You may have to pay default sums and interest in relation to the missed or partly made payments referred to in this notice. Please contact us if you would like further details. This notice does not take account of any payments received after the date of this notice.

                  Notices

                  For so long as you continue to be behind with your payments by any amount , you will be sent notices about this at least every six months. We are not required to send you notices more frequently than this, even if you get further behind with your payments in between notices.

                  Office of Fair Trading Information Sheet

                  This notice should include a copy of the current information sheet on arrears prepared by the Office of Fair Trading. This contains important information about your rights and where to go for support and advice, for example applying for a Time Order as well as our right to charge you interest. If it is not included you should contact us to get one. Please refer to the Office of Fair Trading information sheet for more information about how to get advice on dealing with your debt.

                  Yours sincereley

                  Andrew Shuttlewood
                  Speedloand Finance Ltd

                  Comment


                  • Re: Cecilia PDL diary

                    Originally posted by cecilia View Post
                    SnV,

                    You must be Psychic, got a notice of Arrears in the normal post today, dated 9th October. They had not received my letter yet, as I did not send it till the 10th October. I thought Notice of Arrears came before the default notice not after.
                    Yes it should indeed - so make sure you keep those letters (and envelopes if you can) so you can demonstrate the discrepancies in dates and their process.

                    So letters have crossed in the post - lets see if they respond to your payment proposal - balls in their court now.........

                    I'm guessing all quiet on the western front with the others too.

                    As I've just warned Marling - you'll probably get an increase in 'collection activity' (harassment), as Christmas approaches as they know people tend to have some money put aside for the holiday season. This is a normal 'cycle' that all DCA's/collections go through (plus its year end). You'll get the same towards the end of the financial year next Feb/March too.

                    Things going quiet is good, they will probably try to put erroneous marks on your credit files through spite, but if you're not worried about your credit file then they have no leverage over you!

                    Just keep swimming!

                    SnV
                    "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                    The consumer is that sleeping giant.!!



                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment


                    • Re: Cecilia PDL diary

                      Originally posted by SaltnVinegar View Post
                      Yes it should indeed - so make sure you keep those letters (and envelopes if you can) so you can demonstrate the discrepancies in dates and their process.

                      So letters have crossed in the post - lets see if they respond to your payment proposal - balls in their court now.........

                      I'm guessing all quiet on the western front with the others too.

                      As I've just warned Marling - you'll probably get an increase in 'collection activity' (harassment), as Christmas approaches as they know people tend to have some money put aside for the holiday season. This is a normal 'cycle' that all DCA's/collections go through (plus its year end). You'll get the same towards the end of the financial year next Feb/March too.

                      Things going quiet is good, they will probably try to put erroneous marks on your credit files through spite, but if you're not worried about your credit file then they have no leverage over you!

                      Just keep swimming!

                      SnV
                      Thanks SnV,

                      Will start keeping envelopes from now on

                      Pounds to Pocket are not quiet, and keep on sending out Default notices, and Notices of arrears.Got another notice of default from Pounds to Pocket, in the post today. Looks like they are sending them out every fortnight. The dishonour fees are adding up, now £24.

                      The others are quiet. Got a call from the Moneyshop a few weeks ago, to call them.

                      Had a look at my credit file at the weekend. I have late payment markers on it from Mr Lender. That was with one Credit reference agency. Have not looked on Experian, they list all my PDL's.

                      I don't know how anyone can worry about their credit file once they have defaulted, the damage has been done right?
                      Last edited by cecilia; 16 October 2013, 20:12.

                      Comment


                      • Re: Cecilia PDL diary

                        Yes! My credit file is well and truly screwed. Good thing too, cannot get into any further debt!

                        Comment


                        • Re: Cecilia PDL diary

                          Originally posted by cecilia View Post
                          Speedloan(Part of Albermarle and Bond)
                          Started approximately 2004 as cheque cashing, stopped cheque cashing a few months ago, and converted into a loan.
                          Interest paid to Albermarle and Bond from 2004 to 2013 £16,320

                          Loan £800
                          Owe £1120 including interest
                          Default charges £112
                          Monthly payments £112
                          Last payment beginning July 2013
                          Defaulted August 2013
                          Received text from Speedloan 2nd September
                          Wrote to Speedloan 4th September
                          Received letter from Speedloan 7th September rejecting my offer.
                          Received letter from Speedloan 18th September, asking me to contact them urgently, give bank account and debit card details,to set up direct debit.
                          Received text message from Speedloan 26th September to discuss account
                          Received default notice from Speedloan 3rd October in normal post
                          Wrote to Speedloan 10th October
                          Received Notice of sum of arrears from Speedloan 12th October in normal post
                          Received a letter from Chantry collections re my speedloan dated 19th October, received 23rd October

                          Received this today from Chantry Collections Ltd,Debt recovery specialists

                          Our client: Speedloan Finance Ltd
                          Our Reference
                          Balance £1,130

                          We are instructed by the above named client to take the necessary action required to recover the balance outstanding, you should take this letter as notice that the debt has been assigned to us.

                          We request that payment in full is forwarded to this office immediately. Please note , contractual and late payment interest is still accruing on you loan, so it is important you mke payments to prevent your balance increasing further. If further action is required additional costs to locate you or Legal Fees may be incurred, so please do not ignore this notice.

                          If you are unable to pay the full amount outstanding you need to let us know without delay so we can discuss your account in more detail. Please call our office on on 08444480521 to discuss your account, or pay using your Credit or Debit card. Alternatively you can pay cash over the the counter at the shop where you took out the loan, or send a cheque or postal order to the address below.

                          If payment is not received this information may be passed to a credit reference agency which could affect your ability to obtain credit.

                          Please call us on the above number if you have any questions.

                          Yours sincerely

                          Steven Craske
                          Collections Department

                          P.O. Box 35 Wakefield WF1 1YN
                          enquiries@chantrycollections.com

                          Comment


                          • Re: Cecilia PDL diary

                            Hiya

                            This is nothing to worry about. I'm away for work at the moment but will help you put together a suitable response to this mob when I get home in the next couple of days. The fact that Speedloan have done nothing to respond to your letters, and have not informed their agent of this, works in your favour.

                            Best
                            SnV

                            Originally posted by cecilia View Post
                            Received this today from Chantry Collections Ltd,Debt recovery specialists

                            Our client: Speedloan Finance Ltd
                            Our Reference
                            Balance £1,130

                            We are instructed by the above named client to take the necessary action required to recover the balance outstanding, you should take this letter as notice that the debt has been assigned to us.

                            We request that payment in full is forwarded to this office immediately. Please note , contractual and late payment interest is still accruing on you loan, so it is important you mke payments to prevent your balance increasing further. If further action is required additional costs to locate you or Legal Fees may be incurred, so please do not ignore this notice.

                            If you are unable to pay the full amount outstanding you need to let us know without delay so we can discuss your account in more detail. Please call our office on on 08444480521 to discuss your account, or pay using your Credit or Debit card. Alternatively you can pay cash over the the counter at the shop where you took out the loan, or send a cheque or postal order to the address below.

                            If payment is not received this information may be passed to a credit reference agency which could affect your ability to obtain credit.

                            Please call us on the above number if you have any questions.

                            Yours sincerely

                            Steven Craske
                            Collections Department

                            P.O. Box 35 Wakefield WF1 1YN
                            enquiries@chantrycollections.com
                            "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                            The consumer is that sleeping giant.!!



                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment


                            • Re: Cecilia PDL diary

                              Originally posted by SaltnVinegar View Post
                              Hiya

                              This is nothing to worry about. I'm away for work at the moment but will help you put together a suitable response to this mob when I get home in the next couple of days. The fact that Speedloan have done nothing to respond to your letters, and have not informed their agent of this, works in your favour.

                              Best
                              SnV
                              Thanks SnV,

                              Speedloan responded to me on 7th September rejecting my initial offer. I wrote back again as you know, and they have not responded.

                              Has anyone had dealings with Chantry collections on here?

                              Comment


                              • Re: Cecilia PDL diary

                                Originally posted by cecilia View Post
                                Speedloan(Part of Albermarle and Bond)
                                Started approximately 2004 as cheque cashing, stopped cheque cashing a few months ago, and converted into a loan.
                                Interest paid to Albermarle and Bond from 2004 to 2013 £16,320

                                Loan £800
                                Owe £1120 including interest
                                Default charges £112
                                Monthly payments £112
                                Last payment beginning July 2013
                                Defaulted August 2013
                                Received text from Speedloan 2nd September
                                Wrote to Speedloan 4th September
                                Received letter from Speedloan 7th September rejecting my offer.
                                Received letter from Speedloan 18th September, asking me to contact them urgently, give bank account and debit card details,to set up direct debit.
                                Received text message from Speedloan 26th September to discuss account
                                Received default notice from Speedloan 3rd October in normal post
                                Wrote to Speedloan 10th October
                                Received Notice of sum of arrears from Speedloan 12th October in normal post
                                Received a letter from Chantry collections re my speedloan dated 19th October, received 23rd October
                                Received a letter from Chantry collections re my Speedloan dated 24th October received 28th October

                                Received another letter from Chantry collections yesterday in the post

                                Chantry Collections Limited Debt recovery Specialists


                                Our client:Speeloan Finance
                                Our Ref
                                Current Balance: 1,130

                                24th October 2013

                                Thank you for your offer of £24 per month but I am afraid I cannot accept this as a long term repayment account. I can accept it for this month only to hold your account, you will need to pay this on receipt of this letter.

                                We do want to help you but we would need you to complete and return the enclosed income and Expenditure form so that we can fully assess your financial situation, only then can we accept a lower monthly payment. If you are struggling to find extra disposable income please contact us and we will try to help you.

                                I have now held you account for 7 days for the agreed token payment, in the meantime if you have any further questions please call 08444480520.

                                Yours sincerely

                                Chantry collections

                                P.O. Box 35 Wakefield 1YN T 0844 4480520
                                E enquiries@chantrycollections.com


                                Have had a look at the I&E and it asks for my Date of Birth, NI number , work telephone, employers name, employers address etc.

                                The expenditure details they list are Rent,Council tax, Electric,Water,Telephone,Internet,TV licence,Clothing,Food, Credit cards, Other.

                                Letter is dated 24th, I received it on 28th, they are only giving me 7 days, when it was in the post for 5 days!

                                Comment

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