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    • have a good read in the debt selfhelp forum. its easy to do a self managed one..only on the debts you find ARE enforceable mind..
    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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If we go to court by the council


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My OH is in arrears with rent which has slowly got worse due to a short period of unemployment. Her application for housing/council tax benefit has still not been sorted and the situation is slowly becoming inane due to the lack of action by the benefits section of the council. I was aware of the situation so made an appointment to see the guy from the council who deals with arrears, came to a verbal agreement about what to pay. Two days later letter in post from someone signing on his behalf saying that if they go to court you will have to pay the court costs which will be between £200 and £400 pounds. The fact of the matter is appointment and agreement was on tuesday the 9th/Dec, Letter was dated on the 7th/Dec and sent on the ninth, arrived to day the 10th. Talk about the right hand not knowing what the left hand is doing. How would any one else deal with this silliness. The letter as I have said states the amount that would have to be paid in court costs which leaves me to answer the question, how do they arrive at figures like that, what do they do to justify such made up amounts and what is the best way to defend such an application for costs if it went to court. Thanks to any one who can help me deal with this situation for my OH Who I feel could quite easily become evicted and how best can I protect her..

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My OH is in arrears with rent which has slowly got worse due to a short period of unemployment. Her application for housing/council tax benefit has still not been sorted and the situation is slowly becoming inane due to the lack of action by the benefits section of the council. I was aware of the situation so made an appointment to see the guy from the council who deals with arrears, came to a verbal agreement about what to pay. Two days later letter in post from someone signing on his behalf saying that if they go to court you will have to pay the court costs which will be between £200 and £400 pounds. The fact of the matter is appointment and agreement was on tuesday the 9th/Dec, Letter was dated on the 7th/Dec and sent on the ninth, arrived to day the 10th. Talk about the right hand not knowing what the left hand is doing. How would any one else deal with this silliness. The letter as I have said states the amount that would have to be paid in court costs which leaves me to answer the question, how do they arrive at figures like that, what do they do to justify such made up amounts and what is the best way to defend such an application for costs if it went to court. Thanks to any one who can help me deal with this situation for my OH Who I feel could quite easily become evicted and how best can I protect her..

 

 

 

 

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My OH is in arrears with rent which has slowly got worse due to a short period of unemployment. Her application for housing/council tax benefit has still not been sorted and the situation is slowly becoming inane due to the lack of action by the benefits section of the council. I was aware of the situation so made an appointment to see the guy from the council who deals with arrears, came to a verbal agreement about what to pay. Two days later letter in post from someone signing on his behalf saying that if they go to court you will have to pay the court costs which will be between £200 and £400 pounds. The fact of the matter is appointment and agreement was on tuesday the 9th/Dec, Letter was dated on the 7th/Dec and sent on the ninth, arrived to day the 10th. Talk about the right hand not knowing what the left hand is doing. How would any one else deal with this silliness. The letter as I have said states the amount that would have to be paid in court costs which leaves me to answer the question, how do they arrive at figures like that, what do they do to justify such made up amounts and what is the best way to defend such an application for costs if it went to court. Thanks to any one who can help me deal with this situation for my OH Who I feel could quite easily become evicted and how best can I protect her..

 

 

 

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Has a Notice Seeking Possession been served at the property or on your partner? No Court action can be taken without a notice being served.

 

I would try to speak to the man you made the arrangement with and ask him about the letter. The arrangement made since the letter was written should supersede any action threatened in the letter.

 

You could ask them to give you a breakdown of how the costs are worked out.

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  • 5 weeks later...

all run on debt all run run for profit im in same situation i mentioned to the council today and showed him the court paperwork should see his face drop i wish i had it on camera i'm even considering of paying 10 quid fro the cctv from the office mmm

 

Ive issued a possible proceedings for 5k plus and i don't have to pay a penny so where they get there costs from beyond me

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