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Showing content with the highest reputation on 02/05/10 in all areas

  1. Hi i have had an M&S credit card since 2007 and always paid on time until i got into diffivulties recently. My marriage split up and my business ceased trading due to insolvency. I am currently self-employed but earn little income from this and i recieve tax credits as i have 2 young children. I really wanted to get this debt paid so i worte to M&S offering them a f&f settlement of £1500 (the outstanding balance at present is £4600). They have refused this settlement figure and have said the least they will accpet is half of the balance. They refuse to cease the interest
  2. Priority ! And there is more! The bit that would be amusing if it wasn't a sign of total stupidity is that he keeps preventing the debt from ever becoming SB'd with every cheque he sends AND this is his quest to get them to remove a default - only he forgot to tell them why he is doing it! LOL!:lol: You couldn't make it up!
  3. Love to see the Hillesdens opening the mail and seeing all the cheques. Not actually sure why no one has understood what homer is up to. 30 x cheques for 1p each = 30p 30 x cheques cashed at bank at 44p each cheque = £13.20 So each time home pays 30p off his account Hillesden have to pay out £13 I'm pretty sure they will get fed up before he does and well before 6 years. Not sure they will remove the data off the credit file but may close the account so not costing them more money to collect it. Keep us posted homer as Halifax are going to get the same from me, charge
  4. I'm not passing judgment on whether this will or will not work for removal of defaults and time will tell however would you agree that it may have been prudent to create this thread if or when you had some default removal success to share? My main concern is that as of yet there is no success story relating to removal of defaults in your plan and some new person desperate to get their own defaults removed may follow your currently unproven example.
  5. Hmmm.... So the ag is not regulated under CCA, so no options for creditor or protection for debtor under that Act (ie, creditor cannot follow usual CCA termination process and debtor cannot claim unenforcability or defective ag or DN). So the ag must be subject to contract law and not CCA (apart from s140 - see below). The first place to start is your contract. But there is no contractual provision that sets out what happens on default. So how does the debtor know how to deal with this situation? A lack of clarity here means that the debtor may make decisions that benefit the cr
  6. The initial trouble will happen via telephone calls and a few emails, try to put a block blocked numbers and unknown numbers on your mobile as they will ring that. See if you can get a new bank account with your bank and get your salary paid into it, otherwise an Halifax Easycash account or similar should be set up online. Even if you get a new debit card the company has your bank details and will try to empty your account whenever there is money there. Also watch out for the phone calls to your workplace,, they are not allowed to do this and will threaten to tell your manager
  7. Homer, I gotta say, fair play dude i like the cut of your jib (as they say) and i am really rooting for ya! i read all this thread and even found myself gettin anoyed at some of the ppl on here givin u grief over wot your doing, especialy those who didnt even bother readin the rest of the thread b4 offering u advise which u were already aware of (how annoyin r some ppl?) like lots of others on cag i have been screwed over by dcas so any form of payback that hits them where it hurts most (in the pocket) is more than allright in my book!!! keep up the good work i really hope this ex
  8. Here's a hypothetical situation for you to ponder regarding the mandatory community work: Recidivist petty criminal Steve has been or JSA for decades, he re-offends and gets found guilty of a theft for which he is sentenced to do 80 hours of community service. Paul who was the victim of Steve's theft fails the ESA - WCA having been on I.B. for 10 years, he is then forced under JSA conditions to participate in a Community Work Programme. I'm looking forward to getting my orange jump-suit with the words "Dole ****" emblazoned across the back, it's just as well that the law doesn't a
  9. I don't think it is necessarily a mistake to have a credit card, they can and have been very useful for me in the past. A major problem with the credit card companies is that they have bombarded people with offers of low rates or interest free deals and made it too easy. You will find that a lot of Caggers are here because they have had a change of circumstances, tried to negotiate reduced payments or F & F's and the companies offer no help, carry on adding interest and late fees, making an already difficult situation, almost impossible. They are not just trying to avoid
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