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UtterlyScrewed

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  1. Hi, I have received a letter to tell me that Black Horse are taking me to court and some forms that I have to fill in and send off. With what I still owe them for my car, court fees, solicitor's costs and late payment/interest fees I owe over £13,000. Can I still stop this going to court if I offer to pay them a set amount every week or is it too late? If this does go to court, will I have to pay the whole £13,000 within a set amount of time? I've really made a mess of this. With the wages I'm on now I could pay my monthly bill as it stood with them, plus extra to chip away at my arrears, but I think I have left it too late. Any advice would be really appreciated. Sorry for letting it go this far.
  2. Hi, I'm hoping for advice about my Bank account. Again. A year or so ago I went through the procedure of reclaiming my illegal bank charges (thanks to the people on here) and was very happy with the result. Unfortunately I came out of work a while later and had to go back into my overdraft to pay the bills and put food on the table while I was looking for another job. I was £800 into a £1,000 overdraft, but Lloyds TSB sent me a letter to say that I no longer had this overdraft and I had to pay the money back that I somehow now had borrowed without their permission. As I was under stress and struggling to get by, I buried my head in the sand and ignored them. Very stupidly.They say I now owe nearly £1,500 because of the charges. I have my wages paid into my girlfriends bank account now because when I first started work again, Lloyds would have swallowed my wages up right away for the first few weeks. I am earning not bad money now and would love to start again with a clean slate after paying my debts off. Can anybody advise me how to best approach this situation please? Could I arrange to pay them back a few pound a week? Can I have any of these charges removed? Sorry for messing it up after I have already been helped on here. Thanks. US.
  3. Hi, I'm hoping for advice about my Bank account. Again. A year or so ago I went through the procedure of reclaiming my illegal bank charges (thanks to the people on here) and was very happy with the result. Unfortunately I came out of work a while later and had to go back into my overdraft to pay the bills and put food on the table while I was looking for another job. I was £800 into a £1,000 overdraft, but Lloyds TSB sent me a letter to say that I no longer had this overdraft and I had to pay the money back that I somehow now had borrowed without their permission. As I was under stress and struggling to get by, I buried my head in the sand and ignored them. Very stupidly.They say I now owe nearly £1,500 because of the charges. I have my wages paid into my girlfriends bank account now because when I first started work again, Lloyds would have swallowed my wages up right away for the first few weeks. I am earning not bad money now and would love to start again with a clean slate after paying my debts off. Can anybody advise me how to best approach this situation please? Could I arrange to pay them back a few pound a week? Can I have any of these charges removed? Sorry for messing it up after I have already been helped on here. Thanks. US.
  4. Sorry if this has already been covered, but I had six penalty points on my license. As I was a taxi driver until recently, this obviously meant that my insurance was very expensive. I have bought a house since I was given the points, but didn't inform the DVLA because I was told I would have to pay a fee to have my points removed from my paper license. I sent my license to the DVLA to inform them of my change of address after my points ran out and have just recieved a nice, new, clean license in my new address FREE of CHARGE. They make enough money from us already.
  5. Great discussion. Thanks. I was told over the phone by a woman who seemed pretty uninterested in my situation that I only had one more chance (to have a meeting with one of ther people after I cancelled my first one when I got a new job and couldn't make it). She said that if I 'messed up again' they would send the file back to Black Horse who would begin legal action. I didn't come home for the meeting (did some overtime instead) and I'm going to phone Black Horse tomorrow to tell them I want to pay £100 and another £100 when I get paid on Thursday, and then catch up with my account. If they want to start being nasty over it, I'll have to do what other people here have done and park the car elsewhere and offer nominal payments in court, etc. I think I've paid just over 1/3 of the agreement so they can't repossess it anyway without going to court first. I called Close assistance to try to cancel my appointment because I would be in work, but the woman is pretty aggressive in the way she handles customers and she just wouldn't listen, so her colleague ended up coming to see me for nothing. They messed up last week and sent the same fella out after I'd already cancelled it with them. He can't be happy. Maybe he should get a different job.
  6. I've got Close Assistance coming out to visit me tomorrow too. They want me to be at home at 17:00. I have been offered overtime tomorrow so I really want to do it and start getting payments for my car back in order. They want me to lose money and possibly even my job just so that they can come out and make money on me! They are very direct and won't speak to me about it over the phone, insisting on a home visit. Hopefully I will be able to get my payments to Black Horse sorted out now, but I'm sick with worry about Close Assistance. I'm hoping they will send my case back to Black Horse now. Printer isn't working either. I'll have to get a copy of that letter typed out for tomorrow.
  7. Kirkby on Merseyside mate. Everton Football Club are going to build a new Stadium here and Tesco want to build a new Superstore. There are rumours of Planet Hollywood, a Casino, Cinema and other businesses. There is not a great deal here at the moment and housing has always been pretty cheap until this news surfaced. Now prices are increasing and new businesses have started moving in already.
  8. Can somebody move this to the *WON* section please?
  9. My girlfriend pays for our License because I told her when we bought a house together that I refused to pay a penny towards it and if she was stupid enough to pay it, that was up to her. I really want to stop all of my family paying this disgusting tax, but they are all convinced by the BBC's threatening adverts. There isn't actually much on TV that I will watch, and only one programme on the BBC that isn't even shown anymore (Tribe). I download most of my stuff from the internet as it's unavailable in this Country. As you can view programmes on certain websites though, I'm sure they will try to include having an internet connection soon and expect more money from us all.
  10. I have been offline for a while, so I couldn't say this sooner. We recieved a letter from Lloyds TSB saying they had done nothing wrong, etc. This brought us to the point of applying for court claim proceedings to begin. I didn't have the funds available so I thought I would have to wait a while before proceeding. To my surprise, I then recieved another letter from Lloyds TSB saying they would pay me £440 even though they still had done nothing wrong and I had not contacted them any further. Although I could have got slightly more from them had I held out, I was in dire straits and needed the money so I accepted the £440. They charged me £30 again this month though, so I will have to start all over again! Also, we got the ball rolling with my Uncles claim with them roughly the same time as my own. I was successful a couple of months ago and we were worried that he woule be one of the first to lose out, but he has just recieved £2,600 from them. And they have asked him under no circumstances to show the letter to anybody else. Does anybody want to read it? We are both still going to complain to the Ombudsman.
  11. I just thought I'd add something on to this . . . There is a massive ammount of investment about to be pumped into the town where we live, creating plenty of leisure, recreational and shopping facilities and of course the jobs that come with them. It's great news for this place, but as I predicted back then, the local authorities are evicting an astonishing number of people. More than ever before. I really think that the value of property is going to rocket here, so if you have the right to buy they will evict you as soon as you give them a chance, meaning that whatever extra value added to the property is theirs, not yours.
  12. Cheers dave. (Sorry I've not replied sooner, I've been offline for a while). I am going to do it this Monday. Thanks mate.
  13. I have 6 points on my license from about a year and a half ago. I am led to believe that these points are only 'active' for three years, but the DVLA leave them on your license for a further year. I don't understand what the meaning of this is. Surely if they are 'inactive' they should be removed, shouldn't they? The ponts were written on my license by a Police Officer (who for some reason didn't write down that I had also paid an on the spot fine, which I might look into to see if there is a reason for it). I am thinking of informing the DVLA that I have changed my address (and possibly lost my license) to see if I recieve a clean copy. Has anyone else done this before? Thanks. UtterlyScrewed.
  14. Yes, thanks a lot fellas. I feel even better knowing this now. it seems like another string to our bow.
  15. I tried to make an appointment with my local GP a couple of years ago as I was travelling through South East Asia shortly after the Boxing Day Tsunami. I had about Three Months time before my departure when I first went to the doctors and was told that I had to prove that I was no longer in the Army as I was not entitled to treatment after having numerous appointments cancelled and being fobbed off by them. Eventually when I got past the staff and spoke to a Nurse a few days before I left she said that I was being unreasonable and I should have given them some time to sort it out. I asked if Three Months would be enough because that is how long I had been trying to see them. I do not have discharge papers as I have moved house a few times and not kept track of them as I was glad to be out of the Army and saw no reason to keep them. Can I still not see a doctor, even if I really need one or is there a way of replacing my papers? Oh, I travelled to Thailand, Indonesia, Cambodia and Australia with no innoculations after tye Nurse blamed ME for coming to see them at the very last minute without phoning in advance! UtterlyScrewed
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