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    • Hi and thanks It looks like they ticked all the boxes to me but I'll try and upload the notice. I was wondering if a witness to late delivery might be considered proof - I'm assuming they posted it as normal but Royal Mail stuffed up delivery. If not then they're really saying it just has to be posted within 12 days of the incident, regardless of when it is received. Annoying! edit ok thanks Honeybee here's my 2nd (actually 3rd) attempt at anonymising, copying and uploading the notice! Sorry about the state of it - I sat on it while distracted by my dog 🙃 pcn front.pdf pcn back page.pdf
    • ROFL - dont get upset just because someone (quite a lot of someones) dont want smart meters - well unless you get paid for it .. in which case ...   I assume you haven't been with Octopus long enough to be on one of the very long fixed price tariffs they offered before the prices went bonkers .. and that you dont use your electricity in the evening/lunch time if you think the 'agile type tariffs are good value .. let alone worth installing a smart meter for - high price a good disincentive for an evening cuppa eh? Let alone all your computer/tv etc time in the peak price evening or lunch time. - and boy do those peak prices instantly hammer your bill when those Russian and middle eastern issues kick off.   I would only have considered a smart meter if solar panels had been an option for me - but roof is oriented completely the wrong way. Oh - and My opinion hasn't changed since the smart meter trials 40 years ago, because neither have the issues (well not enough) but I'm happy for you. Be happy for me.
    • Hi. I'm afraid I've had to hide your post with the pdf files to keep this anonymous for you. You've left the PCN reference number and your car reg showing. Could you edit that and repost please? HB    
    • Well naturally if you want to maintain your outrage, and retain something to bitch about, then arguing about the level of your fixed monthly DD is the way to go. You are of course perfectly free to ignore the easy solution.
    • His financial situation isn’t great, and the landlord has made lots of things up. The things he’s put isn’t true at all. My friend did tell the full truth with incoming and outgoing, I helped him fill in his form and he checked bills etc. to make sure it was right. His wage is ok, but not as good as the landlord thinks it is,  and he doesn’t have anything spare. How much are they likely to take from him? Should he send any reply?  the letter just says to take the court letter with him. 
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    • We have finally managed to obtain the transcript of this case.

      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.
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Self Managed DMP Help Needed Please


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yes good its defaulted

cca request

sb date is 6yrs from your last payment/use

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It amazes me how Sainsburys and Barclays were sent the letters same time as others and have accepted bad issued defaults notices, yet Creation are sending letters like I have never been in touch after phoning and leaving messages saying my account was on hold (which I have not phoned back)..... Tesco and Progressive I have not heard a thing from via telephone (missed/ignored calls) or letter?

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barclaycard have issued default and accepted payment proposal. So far sainsburys, Barclays And barclaycard have also all frozen interest and charges so I think this is good and I have been quite surprised by them being so helpful!

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good work!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 weeks later...

Hi me again - Progressive have finally been I touch and are wanting to see 2 months worth of bank statements

- now CAB have told me I do not have to provide them as they have income and expenditure form which all creditors have and everyone that I have heard back from so far have no heard for bank statements this is the first company.

 

Do I have to send them?

There is nothing to hide its a joint account with my partner who is still in work (self employed)

he says that he is not happy for them to see the bank statements as we have averaged out his income and spring/summer are dire but autumn/winter is good so on the last 2 months it looks like he earns more than he does!

 

When I took the loan out I provided my income details/bank statements but now I have no income........

I have sent an initial e mail back saying not prepared to send but need your advice as you guys on here seem to have experience in this situation.

Look forward to hearing from you.

Edited by dx100uk
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is this progressive finance [welcome finance?] and you say its joint, it's not a secured loan is it?

no you never send pers stuff.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

No it is Progressive Money - unsecured loan just in my name. Sorry if I confused you its the bank account that is joint not the loan.

 

There is nothing to hide on the bank statements but CAB have to be fair said some companies are known to use it against you to try and increase your payments and add pressure.

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yes they do pressure you

so no dice on sending statements

your I&E is good enough

simple.. if they don't play ball then letter two time and drop them to £1PCM for life as they've failed to help you as they must

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 4 weeks later...

So creation keep writing saying we understand you are experiencing financial difficulty please send wage slips and bank statements I keep replying saying you have my income and expenditure that is all I am sending..... it’s like a game of ping pong...... what do I need to do as I’m. It making a payment of anything at the moment to them?

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you shouldn't be sending them anything !!

just pay what you said when you said

but if they fail to help you by not freezing interest and charges

then send letter 2 and drop them to £1PCM for life

 

you should neve enter anylink of pointless letter tennis with any of them.

 

accept my offer

or

get £1PCM till I die.

simple

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 weeks later...

Today Creation caught me out and I answered the phone to them

I have been doing everything by letter,

 

when I told them I would not be sending bank statements they got nasty,

they said they can accept my payment offer but need bank stats on file I said nope!

I will pay the new amount I have offered every month from this month but not sending anything else!

 

They actually threatened me if I don’t send bank statements they will charge me late payments and interest!

What do I do now?

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should have stated writing only and put the phone down . about time you blocked them too and all the others!!

they are duty bound to help you

if they don't then as post 38

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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