Might be worth a revisit on finding the right solution for dealing with the debt.... I would pay them what you can based on the offer made. You will get the threats of door step collection and enforcement etc but the debt will no doubt be sold on to a Debt Collection Agency who will take a more prag...

Unfortuately as the law stands with an informal arrangement such as a dmp the creditor can add any contractual charges to the account even if you are making token payments. The creditor can also make formal demand for payment and take reasonable steps to recover the outstanding amount including lega...

Hi Mel Things have been really busy over the past 12 months just not where we expected. Most of our financial services and insurance clients have put projects on hold or scrapped them completely. Fortuanately being so integrated into the industry we could see the wheels coming off probably 12 months...

Depending on whether you feel there are grounds to defend any potential action you could simply communicate via letter to the court. Not sure what Fairfax are looking to gain in court action unless you have assets such as a house in the UK which they could secure a charging order. No other remedy th...

In my opinion this level of contact would be deemed acceptable by the regulatory authorities when a debtor is not communicating.

Even when there is nothing new to say communicate with creditors and you go to the back of the Q

These systems are programmed to stimulate a response. If you do not answer or it goes to answer phone they can set intensity of contact over a given period of time. Probably worth changing your number or to get some head space while you sort your affairs out try a cheap pay as you go sim that way yo...

Is the credit card showing as a default ? or any late payments. Other thing to look at is credit utilisation / affordability. Even if you pay each month if you are using a high % of the credit available most lenders will not entertain. Lender focus is on propensity and ability to pay at the moment. ...

I would take it up with them but it looks like they tried to collect the sum multiple times on the same day without success however this doesn't mean the funds were not available - it could had an error for any number of reasons not least that their IT system failed to connect to the card payment sy...

Australian lenders have no access to your UK credit profile.

When you emigrate to Aus you start a whole new life inc credit report.

Good luck with the move.

Even though they continue to report the default status the default will fall off 6 years from when it was registered whether you have paid the outstanding amount or not - this isn't unique to an IVA its a general principle. Lenders should default you as near as practical to the IVA date - if its a m...

A default falls off 6 years from the date it was registered... even if the debt is sold on - paid or unpaid makes no difference.

You can call the creditor to arrange for delivery of or collection of the vehicle. If the vehicle is collected the charge will be dependent on what the agent charges (not normally a bailiff) - usually between £150 - £200 but can be more. The lender will sell the vehicle at auction as is and you will...

Once the vehicle is sold at auction the shortfall of the entire contractual amount plus any charges and costs (inc court costs) will be persued. You can't use the 50% rule if you are in contractual arears. In this case to get a return of goods order a default and termination notices would have been ...

Whats the update on the return of goods order ?

The only organisations who can get do a full credit search are those that grant credit and or report the status of their relationship with you. Looking at the info on their site it looks to me like the CRA they are using for the Gold report is Experian - doesn't directly say this but the terminology...