Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I am struggling, feel like finding a bridge. Just had a secured loan turned down which i planned to consolidate my debts.
I have a secured loan which i am 1mth in arreas
Credit cards £10300 £5300 £1800. I am owed over £6k from unfair bank charges had the usual fob off from the bank cannot afford to go to court. As i am reading i earn a good wage but i over stretch myself and now feel a fool Home life is starting to feel the strain i need to deal with this quickly and i am looking for the best advice anyone can offer. I am struggling with some off the abreviations ie cca and so on. Help!!!!!
Sorry to hear of your troubles. Please just know that you are not alone in this.
I know that what I am about to say will not make you feel better instantly, but think about it a while.
Nobody ever died of being in debt.
(a bit like you can't be killed by a gun, but only by the person firing the gun).
First thing that you need to do is get down to the citizens advice bureau. They will offer you some support in arranging reduced payments with your creditors - please don't agree to anything straight away though. There are other things to do afterward.
Be very firm with yourself and family and work out a realistic budget (there is a budget planner spreadsheet in the templates library). Try to include all of your outgoings and allow for contingencies. That's the first step.
Once you know all the things that you NEED, you should have a figure that you can allocate to your creditors. Ask them to take into consideration your willingness to pay and your will to avoid default positions, even if it will take you a while longer to pay them off.
Mostly they will accomodate the arrangement, as it actually costs business a lot to recover defaulted debts.
There are many options to get you out of the circumstances you find yourself in.
Then, we will start on the bank, when you feel a bit stronger - I advise this as you need to make some choices, and you need to have a balanced mindset to make the right choice for you and yours.
Struggling_Simon vs Cabot - WON Struggling_Simon vs Abbey - WON Struggling_Simon vs HBOS - Pending --------------------------------------------
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
If you are already a month in arrears with a secured debt it may be a blessing in disguise that you have been turned down for another Sounds like you already have the wheels in motion for reclaiming your bank charges. Where are you at? Are you struggling to pay the credit card bills at the expense of other priority expenses? A CCA letter (Consumer Credit Agreement) is a request to provide a copy of the orginal agreement between yourself & the original creditor. Are there any unlawful charges on the credit cards that you can reclaim? Please make sure that your priority debts are paid first ie. mortgage, council tax,utilities (gas, electric,water, tv licence fines etc). Credit cards are low priority compared to other debts Need any more info please ask
Thanks for the advice, i have been scooting around this site, would i be better to get someone like payplan to help, I have sent letter before action and also asked Lloyds to review my case as i feel it warrant it under hardship. The response was someone will phone you with advice, still waiting, i cannot aford the money to process the claim at the courts.
Can someone advice me where to start.
Thanks for the advice, i have been scooting around this site, would i be better to get someone like payplan to help, I have sent letter before action and also asked Lloyds to review my case as i feel it warrant it under hardship. The response was someone will phone you with advice, still waiting, i cannot aford the money to process the claim at the courts.
Can someone advice me where to start.
thanks
Can you explain why you think you are a hardship case?The fos may consider your case out of the court system but you may have to prove that the charges caused your hardship ( of which there is no set definition) or at a minimum seriously worsened your position?
Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus
[IMG]http://www.consumeractiongroup.c o.uk/forum/images/icons/icon1.gif
offer from A&L 24/8/07 - after case stayed
"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery
To argue hardship you will need to show you qualify.Generally speaking this means that you are struggling to pay for essential day to day living expenses after priority debts.There is a nore detailed explanation on the OFT website in the waiver criteria.In the first instance after you have notified them they are required to send you a means enquiry form to fill out and return.
You may be eligible for help with your claim from the Court...you may be entitled to some remission of fees based on your disposable income.
Courts also have discretion to allow claims to be filed and paid for later if the financial circumstances warrant it.You should speak to the Court manager about that.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
ok my advice to you is to do an income and expenditure sheet be honest about it and see where you can cut back. Ring your creditors and tell them the payments you can afford to make and do not be talked into paying anymore.Alternitively you could ring the cccs and they will do all this for you if the circustances allow.good luck!
No-agreeing or arranging ANYTHING on the telephone is a no-no.
Keep everything in writing and keep copies sending by recorded and keeping proof of posting/delivery.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
with 466 posts you would have thought SOWERBY17 WOULD KNOW BETTER
Hi WELCOME to CAG, You have come to the right place,there are lots of people on this site that will point you in the right direction.
Read the links below,this will help you navigate the forum and help you how to start your own Threads.
Cheers B4E
NEVER TALK TO A ---D.C.A ON THE TELE[PHONE GET EVERYTHING IN WRITING
-----------------------------------------------------
Any Advice given by me is based on solely on my experiance or opnion. I have no Legal background.
If i have helped in any way please feel free to click my scales
Thank You blue:grin:
Hi WELCOME to CAG, You have come to the right place,there are lots of people on this site that will point you in the right direction.
Read the links below,this will help you navigate the forum and help you how to start your own Threads.
Cheers B4E
NEVER TALK TO A ---D.C.A ON THE TELE[PHONE GET EVERYTHING IN WRITING
if they phone, just say sorry i don`t talk to you on the phone please contact me via post and put the phone down ,they will get the message in the end.
Hi WELCOME to CAG, You have come to the right place,there are lots of people on this site that will point you in the right direction.
Read the links below,this will help you navigate the forum and help you how to start your own Threads.
Cheers B4E
NEVER TALK TO A ---D.C.A ON THE TELE[PHONE GET EVERYTHING IN WRITING
Heres a good trick to remember....when they call you...say "Could you just hold on a minute while I connect my recording equipment up "....see how long they stay on the line !
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
help needed urgently
Reply With Quote
Sounds like you already have the wheels in motion for reclaiming your bank charges. Where are you at? Are you struggling to pay the credit card bills at the expense of other priority expenses? A CCA letter (Consumer Credit Agreement) is a request to provide a copy of the orginal agreement between yourself & the original creditor. Are there any unlawful charges on the credit cards that you can reclaim? Please make sure that your priority debts are paid first ie. 
Need any more info please ask
Originally Posted by rc10
