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Hi All
i wonder if you could help me -
Legal beagles have been my saviours in the past, thanks to you all I have a near clean credit file and have won against capquest who tried to issue a CCJ against me
my issue is an old pay day loan with quick quid. They did not default me at the time and i now have 4 months to go before being SB. i took the path of least resistance and tried to play the long waiting game. BUT they sold the debt to MMF three weeks ago and MMF are now threatening to default -
which would just ruin everything
the original loan for £125 was taken out in 2010 and i repeatedly rolled every month over for 2 years until i reached the ridiculous amount of £1700 - at the time of the original loan i was in an utter mess, 8 defaults on my file, i was in a DMP and had at least 2 other pay day loans (WONGA and PAYDAY UK) - i was robbing peter to pay paul constantly. I worked really hard to break the cycle , i am now in a far better place and credit is not something i use at all really - but i would like to eventually get a mortgage so want to fight on
i would really appreciate some advice , i think the best way to go would be to go for an unaffordability claim to QQ, my ideal would be for MMF to not be able to register a default as the thought of another 6 years of a rubbish file is heart breaking after all i have been through
So should i a) contact QQ and put a claim in using step 2 of #Debtcamel's excellent templates (i have ALL the agreements so its easy to list) and should I B) tell MMF that i am in dispute or ignore them completely for now - i really don't want to risk the default
do you think i have a chance
am kicking my self for not doing the unaffordablity router but didn't want to reset the clock
thank you all in advance for your help
i wonder if you could help me -
Legal beagles have been my saviours in the past, thanks to you all I have a near clean credit file and have won against capquest who tried to issue a CCJ against me
my issue is an old pay day loan with quick quid. They did not default me at the time and i now have 4 months to go before being SB. i took the path of least resistance and tried to play the long waiting game. BUT they sold the debt to MMF three weeks ago and MMF are now threatening to default -
which would just ruin everythingthe original loan for £125 was taken out in 2010 and i repeatedly rolled every month over for 2 years until i reached the ridiculous amount of £1700 - at the time of the original loan i was in an utter mess, 8 defaults on my file, i was in a DMP and had at least 2 other pay day loans (WONGA and PAYDAY UK) - i was robbing peter to pay paul constantly. I worked really hard to break the cycle , i am now in a far better place and credit is not something i use at all really - but i would like to eventually get a mortgage so want to fight on
i would really appreciate some advice , i think the best way to go would be to go for an unaffordability claim to QQ, my ideal would be for MMF to not be able to register a default as the thought of another 6 years of a rubbish file is heart breaking after all i have been through
So should i a) contact QQ and put a claim in using step 2 of #Debtcamel's excellent templates (i have ALL the agreements so its easy to list) and should I B) tell MMF that i am in dispute or ignore them completely for now - i really don't want to risk the default
do you think i have a chance
am kicking my self for not doing the unaffordablity router but didn't want to reset the clock
thank you all in advance for your help
