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    • for the sake of history, i've merged your old sadly failed charges reclaim court claim. have they ever sent you a default notice regarding this mortgage? dx  
    • I am financially at  point where I can see the light at the end of the tunnel regarding my debts. I have one remaining and I am interested to see what my options could be. I have be in contact with the Citizen’s Advice Bureau and the National Debt Helpline, but their advice has been a little more generic (but still helpful). This debt is 12 years old and is now owing around £3k. It was a bank loan and has been passed to several creditors over the years. A payment plan has always been in place and is up to date. I get statements every 6 months. There has never been a CCJ. I have been sent the letters advising of change of ownership. Following my own review of my finances, I decided to contact the current creditor to see if they have a copy of the credit agreement. I regarded this as due diligence as the debt has been sold on several times. The creditor updated me several times saying they had requested the document from the original lender. After 12 months of this they wrote to me saying they had not received it but were still waiting and would send it once received. The last letter was over 6 months ago. I then submitted a freedom of information request to the current and original creditor. The original creditor supplied one, but the current one did not include one in the pack they sent me. I went back to them to ask specifically about this as it was what I requested in my request. They replied saying the debt was sold to them as one without the credit agreement and they did not have it. They have requested it above, so I believe that means they cannot obtain it either for the FOI request. I contacted the original creditor and exercised my ‘right to be forgotten’, under the Data Protection Act, which they have complied with. I also got my up to date credit file and this debt is not showing on it with the current creditor or any others. I contacted the creditor and made them an early settlement offer. They do have an early settlement offer in place on their portal, but I was advised to try to get a reduction via negotiation. I have not heard back from them yet, but I understand through a separate upheld compliant it has or will be refused. Due to this complaint and the creditor putting the account on hold I had stopped payments, and advised them of this. To date, they have not contacted me about resuming payments since the complaint is resolved, but it has only been a few weeks. I am annoyed that they were not honest with me about not having the credit agreement, because that is not being transparent and I understood they should tell you if they do not have it.   I have two questions (but am open to anything else anyone would like to add): 1) Based on the above, does anyone think this account enforceable? I do not think it is? 2) Does anyone have any suggestions on how to proceed? I could resume payments and then settle early. If the above had not happened, I may have just done that. Thank you for any help or input anyone can provide. It is appreciated.
    • The main thing is to stop shoplifting because it could be worse next time. If you think you have mental health issues that led you to do this, please go and have a chat with your GP. They won't judge you and should be able to get you help if you need it. HB
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      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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I've won DLA Tribunal what happens with payments now?


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Hi I originally applied for DLA for my son in Aug 09, I was turned down and appealed had Tribunal on 30/09/2011 and won :-D we were awarded middle rate car and lower mobility, I was just wondering if anyone can help me work out how much back pay I would receive? x I phoned them today and got nowhere. My mum won an appeal 3 years ago and DLA dragged their feet in working out her backpay etc I eventually lost my rag and demanded it was sorted and they did. I think this is going the same was as they said they haven't received anything from the tibunal yet :-x I was just wondering also if I phone them and ask to be put through to the section dealing with it which section do I ask for? Many Thanks in advance x x x

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Not sure if it is o any help but I won my ESA tribunal on 09/09/2011 and I have since been waiting like you for news. I phoned them and was told it is going through the process off a decision maker to work out my group, backpay and how much I am entitled to...hang in there And they will do it. If you don't mind me asking but did you call them before and complain about the process? And if you did did it hurry the process? I don't feel like me calling is doing anything

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Thank goodness :) Will it really be 2 years backpay? When I worked it out it was a lot of money!!! Also I receive tax credits (working and child) I informed them as I was told they would go up, will this also be backdated from the original claim?

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They messed my mum about for weeks saying they hadn't received tribunal papers when they were faxed to them, I phoned and demanded someone who knew what they were talking about as I was getting frustrated they put me through to a lovely lady who had it sorted withing 2 days :) Tool about a week after that for her to receive her backpay

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Well I phone on Friday and they still haven't received the papers from the tribunal then I was told that if the descision maked disagrees with the outcome it will be disallowed :-x I told her she was wrong it was only if there was a discrepancy or a legal issue and she said no I was misinformed and she was right!!! I phoned the benefits helpline nearly in tears where he confirmed I was in fact .................. right :razz:

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It can take up to 6 weeks for the backpay to be issued. You can't get 'put through' to a section anymore, because the enquiry lines are now on a virtual call centre system and calls cannot be transferred to the Benefit Centre. What you can do though, is ask for a call back from the DLA appeals section. If there is an issue with them getting the tribunal notification, will they accept you faxing across your notification?

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

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