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willow41

Hi there can someone give me some advice please..

I went through a three mth process with Benficial finance to borrow £10,000 from Oct - Dec 08.
I was approached by a lady on the phone totally out of the blue who offered me £75,000. I laughed and said if she new the financial mess we were in she wouldn't be offering me money. She told me to explain and would try to help.
I told her the truth...she went away with my figures and came back the next day with an offer of £10,000.
I was shocked as we were already up to our maximum.
It took about 8 wks to process because there were lots of problems as she went away on holiday and left with her office staff to deal with. She was the actual branch manager.
To cut along story short one of the office staff called and said she didn't know why I was told I could have this money because there is no way they would lend to someone in my situation. She went away to investigate further. It went on and on. Yes, no, yes, no etc....
Eventually manager came back and went higher and it was agreed I could have the money.
Clearly during the phone calls I was distraught because by this time I had accounted for having it.
Eventually it came through.
Can you please tell me if I have any kind of come back on this?
I accept I had the money. The problem is I should never of had it and someone picked that up but was reprimanded for interfering...
Sorry I am not sure I have posted in the right place still not very good at this.
Thanks

Becca_E

I'd really appreciate any advice that can help me resolve this ongoing pain.

In 1999 I lived in a property for 6 months which I rented privately.

In 2006 I received a letter from Westcot credit agency to my then address stating that I owed 2 years worth of water bills to Severn Trent, a supplier used at the 1999 property. Someone had used my details to avoid paying for their water!! Anyway, I told Westcot that I had only lived in the property for 6 months (which I had paid for at the time) and provided Westcot with the only proof of address change I could find given the 7 year time difference, which was my payslips for the period. Westcot replied to me by letter stating that they had closed the case and were passing it back to Severn Trent, and that they would take no further action.

Case closed, or so I thought.

This year 2009 (aka 10 years on) I received a letter from Advantis Credit stating that they were chasing the debt. They and Severn Trent couldn't find any of the original correspondence with Westcot, which I had to forward to them along with the payslips I had sent originally. Various emails and phone calls from me to both Seven Trent and Advantis have left me with them now demanding that I need to now provide them with proof of my tenancy agreement or a statement from the council, neither of which I had in 1999 when I rented the property or 2006 when I first Westcot closed this query.

I'm frustrated and at a loss as now they are continuing to send me threatening letters and are stating that they will be taking legal action.

What can I do??? Thanks in advance for anything that can help me get this company off my back for this debt that is not mine!!

wantabeedebtfree

Hoping someone can help. Having been a student for the past year I have struggled to manage to support my son and myself without getting into any unnecessary debt. Then in Feb 2009 I got a letter through from Robinson Way informing me that they were sending baliffs round etc etc (usual standard letter) for a debt of £7,500 that I owed Abbey. Around 2003/4 I was having a financial crisis and suffering from depression, I had creditors chasing me 24/7. I decided to sell my house and pay off all the debts. This happened at the end of 2004 and the problem has not re-occurred. I explained to R Way that this was the case and I had no knowledge of any outstanding debt. They sent back another standard letter. I then spoke to someone at CCCS who advised I ask for proof of agreement etc. They sent this through (just in time for the deadline) and it was a blank agreement dated 2002 with Egg. I still do not recall this debt. I spoke again to CCCS and they suggested that I send a further letter saying that as I had paid off all creditors in 2004, that if the debt did exist I believed it to be statute barred. They responded with even if it was statute barred I still owed the money??? CCCS at this point suggested I contact the FInancial Ombardsman. They were very helpful and completed all the necessary forms. I have now, again just within time recieved some docs back from R Way - a second copy of my signature dated 2002 and some screen prints from 2003, no letters or proof of communication to prevent it from being statute barred or statements etc. I wrote to them at the end of last week and advised them that they had not sent me the information that I requested and that I would be responding via Financial Omb. again. I was about to complete the forms this week when the phone calls started. I told the first lady that I was dealing with it through Financial Omb as per my letter and asked how they had got my number (obviously through the Financial Omb letter sent to them with my contact details), I explained as such I was not prepared to speak to them on the telephone. She was very rude and said that she did not understand why I would not speak to them and would send me another letter. SInce then they have been calling 2 or 3 times a day. This is starting to become annoying and stressful. I am logging the calls and advising the FInancial Omb of the situation. I still have no idea on this debt and as far as I am concerned all debts prior to 2004 have been paid in full. What would you advise me to do now, before I start to pull my hair out??Thanks,

nev32

hi, my question is we are due to go b.r on the 10th sept, we are moving into rented on the 24th august, we are worried that the o.r will tell the landlord & they will kick us out. as we have 4 kids thats worrying. i have had different answers with regards to the o.r contacting the LL or agent. where do we stand here as we are also worried that if we told them, they may not go ahead with the move in. ?????

stesie

Hi, i currently have approx £120k of unsecured debt and have been paying through the cccs for last 3 years. i have an opportunity to get a sum of money that would pay 33p in the £1 to every creditor as a full and final settlement and close all the accounts.

I have 2 questions please!

1) how likely is it that they will accept this given that the alternative is bankruptcy as we cannot go on like this forever

2) will it significantly clean up my credit file/score as should show as £0 debt

I would be grateful for your comments

jonnym8083

i am putting a list together of income and expenditure and working out pro rata payments with all my creditors. i have 8 creditors but i have found that with one creditor my minimum payment is 45 pcm but my pro rata payment works out to £59. do i pay this as it works out fair with all creitors or can i just pay the minimum of £45 and share the remaining £14 between my other creditors? what should be the first letter that i send to my creditors? thanks all advice welcome

katkins2

Hi CCCS Councellors,

I have been stung by LLoyds TSB helping themselves to my LLoyds bank account this weekend. I am in the process of setting up a new account for all my bills etc but until this is sorted I need to pay money into my LLoyds account to pay all my priority bills. I had paid money in to cover my mortgage etc which is due tomorrow, as they have taken £275 they have left me short. I have had to increase my overdraft so that my mortgage gets paid. How will this affect my DMP? I have not yet set up the DMP, I have had the initial letter from yourselves and am posting the info you need back to you in the morning. My overdraft will now be more than what I originally stated on the debt remedy because of this and I realise that I have actually taken on more debt which I am not supposed to do. Will I still be able to continue with the DMP?

Thanks for any advice you can give;)

CWSG

Help! I've done something really stupid and need some advice on how to fix it. This is the first month of my DMP and I have been sorting out all my direct debits for my new bank account and cancelling with my previous account. One of my creditors is a personal loan and I had taken out payment protection on it. Obviously that is now invalidated so a CCCS counsellor advised me to cancel it which will hopefully reduce my debt. However when I phoned the company they said I'd need to phone another number on Monday but started talking about my new payment and asked how I was paying going forward. I got myself all confused and said Direct Debit completely forgetting that of course it all goes through CCCS now! He talked about payment dates and said a DD couldn't be set up in time for this month so I should make a manual payment now and stupidly I did!!! I've only just realised what I've done 36 hours later! I know I can cancel the DD but is there anything I can do about getting the payment back? If not, I will be £153 short this month - I'm worried that the company will say it covers the payment I missed last month while setting up my DMP.

Sorry this is so long but I'm in a bit of a flap! Is there anything I can do?

Thanks

tim104

We're currently in debt turmoil and have been in touch with CCCS, but we're just getting more and more confused. I'm self-employed, so my income is unpredictable and obviously to start working out a Debt Management Plan I need to be able to give CCCS figures for my Net Income. The problem is here that I obviously only have a figure for my net income at the end of the financial year, and there's really no way I can give net income figures for say the last three months, which I understand is what's needed. Obviously I know what my turnover for past months is, but that has little to with how much of that turnover was profit or income. Obviously if I quote turnover figures, that really makes it seem that we have far more income than we truly have, and there are also business expenses which I need to maintain.
It seems that because I can't give CCCS net income figures for the last few months, we need to have a meeting with a CCCS "Self-employment" counsellor, which apparently can't take place until September. I really don't understand what this is for, or how I can give any definite figures for recent income. Nor do I know what we do about the debts we can't manage in the meantime.
If anyone could help or clarify the procedure here I would be very grateful, as we're getting really desperate and this situation really is making me ill. Also, what exactly should we be doing about our debts at this moment, do I write to all the creditors and make them a token offer?
As a couple, we have a lot of debts which we simply cannot manage, and I've just had to borrow over a thousand pound from my Father to pay my Payment On Account for Income Tax, as I really desperately don't want to get in trouble with HMRC.
Can anyone help please?
Kind regards to all,
Tim