If you visited Qatar you could be detained at the border, if the debt has been notified. If you are only in transit and do not seek to cross border into Qatar you might be ok, but you may want to seek formal advice about this.

Doubt the uneconomic write off would be registered, unless you agreed to accept write off settlement of the claim. It is just cosmetic damage. All that has happened, is that the car has been looked at and they realised the repair costs are going to exceed the value of the car. If the car is perfectly driveable with no upcoming normal work required to pass next MOT, your current Insurers will continue Insurance and you can accept an amount from third party Insurers to go towards you repairing the scratched bodywork.

yes send a letter explaining your business losses as a result of the NFU error and say that you want to avoid taking this to Court, therefore hope that a settlement can be negotiated. Send as much information as you can to evidence the loss and how these have been calculated.

If NFU had failed to send renewal to correct address noting increased monthly premiums and it was due to higher Direct Debit amounts, then more chance of success. But there is still the question of how finances were managed and why the failed Direct Debit was not picked up in enough time to enable the missed payment amount to be paid to NFU. Remember that when a Court considers a claim for thousands they will look at actions or inactions/errors of both parties.

Try to negotiate a higher settlement, but accept that you were partly at fault, due to funds in Bank. And not being on top of your Bank account information and contacting NFU when you should have known that the Direct Debit payment had failed to be paid. If you go to Court, all factors would be considered and you might not be successful.

Why did the Direct Debit fail to go through ? If you had financial issues or your Bank made an error, then this is part of the picture. I don't think you can rely on NFU writing to old address leading to cancellation. If you ask for too much, NFU are likely to refuse to offer much more. They might increase the offer a bit. And then you would then be left with decision whether to issue letter before action letter stating losses (including evidence) and then if NFU fail to respond issue Court claim If you end up in Court, then you will be required to provide much more information including full disclosure of your finances business accounts etc. If a Direct Debit failed, why did your Bank not contact you ? No reason not to Bank £350, but advise that this is not acceptance of any settlement, as the amount does not cover losses incurred.

Will we have to wait until after the General Election, before there are any proper criminal investigations on those at The Post Office including their legal advisors who were aware of IT system failures, but continued to prosecute in a misleading way ? If Government Ministers were aware of the IT system problems and related Post Office accounting issues, then i can see the Police not being too quick with any investigations. This is simply because of the public reaction to the ITV programme and not wanting to create political drama in the run up to the election.

No CCA produced then you don't need to do anything other than check any communications received to make sure, no pre action protocol letter or Court claim received. You could follow the same approach for CAP1, but that is your choice. Do not disclose any financial details to a DCA. It is none of their business. It is only in the event that a Court requires you to disclose your finances that you would need to do so. And make sure all creditors always have your up to date postal address.

I just wonder whether these commission payments have always existed. I can remember when working in financial services, that there were employees whose sole job was to negotiate commission amounts and find ways to increase profitability. On a regular basis, we would be contacted by companies large and small looking to make deals. The other aspect to the commissions is that If there is a significant amount to be paid, the Insurers will find ways to reduce the level of the Insurance cover. So those needing to protect their homes are not only paying higher premiums, but they probably have worse cover.

But with any mortgage application you have to declare any debts and any financial obligations which affect the ability to repay the mortgage. Failure to declare could have consequences down the line, if the OP did not pay the debt, a CCJ was obtained by the debt owner and the mortgage company became aware of this. Before the OP decides on best course of action, they should speak to an Independent Mortgage Advisor.

Cannot default again, once already defaulted. You entered into an arrangement to pay towards defaulted debt. If you stopped paying the DCA's, then Lowells in particular might issue Court claim. Moorcroft don't normally buy debts. They collect on behalf of Banks who still own the debt. So you may have to ask Bank if they would settle for a reduced amount. Is it worth asking for SAR's to get hold of all details including statements. E.g. excessive fees/charges applied. Did you tell Banks about any financial hardship at any time?

Part of mortgage application is declaration on financial position including debts. This is not restricted to just what is on credit record. Hence suggestion to get advice from independent Mortgage Advisors.

Alan Duncan has some very strong views on fellow Tories positions in regard to Israel.

I am presuming that you will wait until debts no longer showing on your credit record, before applying for any mortgage. Even then, you would have to disclose debts to mortgage companies when applying. You could send CCA requests to the DCA's to see what they respond with. It may help you negotiate full and final settlement offers, if they were not able to supply copies of the CCA. But even if you settled before 6 year anniversary of default they will still show until 6 year date is reached. I would suggest contacting 'whole of the market' mortgage brokers who are independent, so therefore have more mortgage companies and product options. Get advice about what to do about tackling such debt issues before applying for mortgages.

You would have to think why someone was recording the various meetings. I doubt it was standard practice and therefore the people now being exposed most likely never thought they would be caught out not answering questions accurately. I suspect that there are more stories to come, because there must have been a lot of people aware of major failings with the Post Offices IT system at the time. Hopefully Dan Niedle will find out the extent of the problems and reveal these.