I'm looking for some help please and I'd be really grateful for anything anyone can offer.
Both myself and my partner have always been careful with money. When trying to apply for credit recently, my partner was refused and later discovered she has a Default on her credit file from Natwest....
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Help with Natwest Default Notice
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Halifax PPI offer - is it correct?
If I am posting in the wrong place please move me.
Quick background:
(again, for a friend)
Halifax Credit Card
Balance at default approximately £13,000
Commenced 2003
Defaulted 2006
Sold to Cabot
F&F agreed and paid to Cabot in 2012... -
Enforcer started a topic Unfair Terms in Consumer Contract Regulations 1999 (the Regulations) Barclaycard (the Company)in Credit CardsUnfair Terms in Consumer Contract Regulations 1999 (the Regulations) Barclaycard (the Company)
I complained to Office of Fair Trading regarding Barclaycards terms and conditions.
In particular section 16.3 where they state that "we may use money in your other Barclays accounts to pay us."
Now this is contained in a document that is standard to ALL Barclaycard account... -
HBOS Preference Account
New to the forum - Hi everyone!!
Need to know if HBOS (BOS) preference accounts are enforceable. Fought off several DCA's with various template letters - all went very quite until just before Christmas when started getting letters from Lowell. I CCA'd them and they returned a copy of split... -
Help!!!!! please....
Stupidly over a year ago i had a phone call from a PPI reclaim company saying they could reclaim my ppi and also other unauthorised interest hikes on my barclaycard, but they would need to charge £700 to my credit card to do this. I agreed and have heard nothing but since found out the company has... -
Mis sold Packaged account/template letter
Here below is a template (ok from over MSE) lol but just to give an idea and the template letter (wording can also be changed) if required but this gives an idea of what you can reclaim for basically.........
...
[Insert your name
and address]
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Halifax Default now with Iqor
Hello,
In February of 2010 I got into debt problems with Halifax after I lost my job and ended up with an overdraft of £4500 that I couldn’t pay and the debt became defaulted. I moved house shortly afterwards and stupidly decided to ignore it. I got a couple of letters from Wescot... -
JJB Storecard
One for Di I suspect.
Was merrily plodding along thinking I have all the bases covered and was thinking everything would end up at FOS if they dont settle.
Yesterday letter arrived from FOS saying they cant deal with this claim
Just when you think the finance... -
HBOS business loans: Eight charged
HBOS business loans: Eight charged
This is a duplicate of the Blog Entry made on 9th January 2013 08:58.
Eight people have been charged in connection with business loans made through a high street bank to the value of about £35m. The loans originated...
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credit checks for a mortgage.
Hello, I am writing a question to help my daughter out.
My daughter in 2008 had a mortgage with partner , they had a baby and he walked. A lot of emotion and he came back and she lived with me. The mortgage payments were kept up. 2009 they decided to get rid of the house, neither of them...Last edited by Susiebling365; 3 January 2013, 10:05. -
Default removed, but then...
My OC has removed a CRA entry dating back to 2008 as they admit it was sent to the wrong address. This has been on my file for 4.5 years.
They have also said they have bought the account back from a DCA to do this, and will issue a new default if I do not settle with them.
The question... -
So far so good...but
After a 5 year battle over charges and interest applied to my credit card, the Bank has finally admitted it didn't provide the support it should have and have refunded over £1,000. Well, seeing as I defaulted on the CC and the bank sold it off to a DCA, the refund is going against the outstanding balance...but... -
Parachute account, switching worry
Hi all
New here, and probably likely to start a few threads soon as trying to get myself out of trouble and all that.
Anyway for now, i have like many got stuck in the payday loan hell with three PDLs. So this week i have been to Halifax and opened a new account (credit... -
ShedAnd Unenforcability Diary
Ok, Hi to all, I am going to keep this brief, back in Dec 2010 me and my wife had our house Repossessed by Platform home lending, They sold it I think April 2011 with a shortfall of £35466.78 including charges and fees. Also we had a secured loan on the house with GE money and they are chasing use...Last edited by vint1954; 7 November 2012, 22:11. -
cardio's Diary
Okay, first post on first day on this site...
I'll not go through the whole story but will just say where I am now.
I have sent 3 CCA recorded delivery letters each to the OC, the OC's agent and the DCA...the last letter is out of time for a reply, in fact no one has replied to any...
