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Doorstep Loan Account

RoryRory
RoryRory Posts: 10 Forumite
Sixth Anniversary First Post Combo Breaker
in Debt-free wannabe
Back in 2015 I lost my job and had a break down and got into thousands of pounds worth of debt. One of which was a doorstep loan with a company called CLC Finance, agent told me I was declined but he said I looked like a good lad and convinced them to overturn the decline lent me £100, I paid the first payment but then had no income. But this one company CLC finance has reported late payments for the past 44 months with no default date.

Can someone help me please?

Any advice would be super appreciated.

Comments

  • sourcrates
    sourcrates Posts: 31,996 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    RoryRory wrote: »
    Back in 2015 I lost my job and had a break down and got into thousands of pounds worth of debt. One of which was a doorstep loan with a company called CLC Finance, agent told me I was declined but he said I looked like a good lad and convinced them to overturn the decline lent me £100, I paid the first payment but then had no income. But this one company CLC finance has reported late payments for the past 44 months with no default date.

    Can someone help me please?

    Any advice would be super appreciated.


    And you want them to default you, is that the goal here ?


    You should write and complain that your account should have been defaulted after between 3/6 missed payments, as per CONC Guidelines.
    You say you have other debts, have you organised a solution yet or are you just treading water with them, i assume your still not working ?
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • RoryRory
    RoryRory Posts: 10 Forumite
    Sixth Anniversary First Post Combo Breaker
    Ideally yes otherwise itll be on there forever, and thank you for that advice.

    And some of them yes I have sorted.

    And yes I am currently working part time as I am a carer as well as having disabilities myself.
  • FireWyrm
    FireWyrm Posts: 6,557 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    RoryRory wrote: »
    One of which was a doorstep loan with a company called CLC Finance, agent told me I was declined but he said I looked like a good lad and convinced them to overturn the decline lent me £100, .

    These sort of games always make me mad. It is nothing less than preying on the vulnerable and profiting from them. Truly disgusting behaviour.
    Debt Free! Long road, but we did it
    Meet my best friend : YNAB (you need a budget)
    My other best friend is a filofax.
    Do or do not, there is no try....Yoda.

    [/COLOR]
  • sourcrates
    sourcrates Posts: 31,996 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 26 July 2019 at 4:12PM
    FireWyrm wrote: »
    These sort of games always make me mad. It is nothing less than preying on the vulnerable and profiting from them. Truly disgusting behaviour.


    FireWyrm - Welcome back to the forums, its been a long time, i hope your well.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • WhenIam64
    WhenIam64 Posts: 1,052 Forumite
    CLC Finance

    What is their FCA / FRN number - from their letterhead? It looks like you may have been one of their first customers. Wondering if their paperwork was up to scratch back then.
    Unlike some here, I am not omniscient. If I am wrong correct me. I won't take offence.

    The law is like an ocean - have a swim but don't drown.
  • FireWyrm
    FireWyrm Posts: 6,557 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    sourcrates wrote: »
    FireWyrm - Welcome back to the forums, its been a long time, i hope your well.

    Not to hijack the thread, but I am indeed well Sourcrates. Thank you for the welcome back
    Debt Free! Long road, but we did it
    Meet my best friend : YNAB (you need a budget)
    My other best friend is a filofax.
    Do or do not, there is no try....Yoda.

    [/COLOR]
  • sourcrates
    sourcrates Posts: 31,996 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    WhenIam64 wrote: »
    What is their FCA / FRN number - from their letterhead? It looks like you may have been one of their first customers. Wondering if their paperwork was up to scratch back then.


    Good point, a CCA request will allow you to find out.

    Information and template letter here :

    https://www.nationaldebtline.org/EW/sampleletters/Pages/Information-about-your-agreement-under-the-Consumer-Credit-Act-%28sole-name%29.aspx
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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