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About merlin100

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  1. Hi guys, thanks for the replies. From what I’ve read myself it looks like he will be ok saying he put it in the other shops bins. I have however told him not to enter into any conversation with them as I’ve read a few stories of how they try to lead you into a conversation that will give them a passage to prosecute. Anyway, let’s see what happens and I’ll get back with the outcome.
  2. Hi All, just wanted your opinions on this please. A local takeaway owner applied to the Local Authority for a commercial waste bin. Eventually he got one but it took a month to get it. In the meantime, two other shops allowed him to put his rubbish in their commercial bins until his was delivered. Soon after getting his bin, he was contacted by the Local Authority in which they accused him of fly-tipping as one black bag of his rubbish had been found on a local nature reserve with details of his shop inside. He says that he cannot understand how only one bag was put there as when he used the other shops bins he always put 10 to 15 bags in the bins and the other shops are very close to him whereas the nature reserve is about 5 miles away? I would like to know if he is legally entitled to use the other shops bins thereby quelling any fears of prosecution for fly-tipping? The other two shop owners are quite happy to say they allowed him to use their bins Until he got his own but only if there is no threat of prosecution to them. Any ideas? Thanks all.
  3. Thanks dx, these iPads aren’t very good! I’ll have a word about him joining up.
  4. That’s what I thought too. It seems that those payments are just to see if there are any reasons to challenge the validity of the Agreements. There’s no mention of anything resembling a DMP until after that period and even if that happened, I’m sure there would be further, maybe hefty fees. One thing I forgot to mention though, the guy on the phone told my family member it would be pointless challenging the Agreements on their cars, even though one is at the one-third payments mark and one is just over halfway. I suggested a VT on the one that is now halfway through the payments to save them a bit of money but it didn’t go down too well. I also offered to draft letters with a view to reducing payments but that didn’t go down too well either which is fine by me as I’m limited by time at the moment.
  5. Thanks for the reply bankfodder. I agree with what you say but barristers or not, there is still an amount of vagueness on their website. You would think that people like these would be very clear about their services. Especially about what may happen after their 12 x £120 payments of which all is their fees. It made me wonder just how many creditors would be quite happy to have payments suspended for 12 months and only after that period enter into debt-reducing negotiations?
  6. Hi guys, nice to be here again. Just after some advice because I smell a rat! A family member is looking to enter a DMP. He’s found the above firm online and approached them. They purport to be a firm of lawyers/barristers and are relatively new so there’s not a lot of information on the internet about them. However, I’m extremely dubious regarding their methods, this is what they’ve told him so far- In the first instance he stops paying his debts now and they give him a reference number to quote when the phone calls start. He will pay nothing to his creditors for the next 12 months but he will pay a £120 per month fee to them while they approach his creditors. They also talk a lot about challenging contracts, interest rates, irresponsible lending etc, but nothing initially about debt management. After the 12 months has elapsed, they then consider his/their position regarding any successes of freezing interest, debt write-off, lowered payments etc and decide a way forward that “could” result in a debt management plan. oh yes, he was also told on the phone that they could “almost” guarantee that 80% of his debts would be written off. Now I know you are all going to say that this is one big s*@m, and I totally agree with that. But I would like to hear any thoughts on this as to be honest, I’ve never heard of anything like this before so any experiences would be gratefully received. Thanks all
  7. Hi guys, About a year ago my daughter in Law was reversing out of a parking bay in her local Tesco car park. As she was doing so another driver came up fast behind her and there was a very minor collision (nothing more than scuff marks). They exchanged details and when she got home she informed her insurance company (Hastings). They duely recorded her account of what happened, told her not to worry about it and that they would probably ask Tesco for any CCTV evidence they may have. That was the last she heard of it until yesterday. Shes now received a letter from some solicitors (cant remember the name) saying that they represent LV (the other drivers insurance Co) and demand just over £1700 within the next 7 days or they WILL proceed with court action. It would seem that the other driver has claimed on his own insurance and the insurance Co are now trying to claim it back from my daughter in Law. So Im wondering where she stands with this? How can a solicitor demand money from her for a decision made behind her back and which gave her no chance of defending herself? Is this just a solicitor trying to pull a fast one or are they entitled to do this? Im waiting for a copy of the letter and will post it up when it arrives, but my son mentioned that it contains clauses from the Road Traffic Act etc. Thoughts anyone?
  8. Hi dx, yes do what you want. Its been that long since I posted I had forgotten it began with Barclays etc.
  9. Hi all, this a long overdue update regarding the battle between me and Citi regarding their error of refunding my ex wholly on a joint account. I think Im going to give up the ghost on this one because they are adamant that although they originally made the mistake, they are not going to be held responsible for putting it right, - HOWEVER------ This morning I got two letters from Canada square ( who are dealing with Citi claims). One letter contained a covering letter addressed to me telling me once again to get stuffed, we are not putting it right, now please go away and leave us alone. The other 8 pages are for a claim made by a woman in Buckinghamshire that has been upheld and a full breakdown of the refund. I will post it on to her tonight. Now for letter No2. Again they have made it very clear that they will not put the third account right and that I should go and have a chat with my ex in the hope that she will give me the couple of grand back. Ive got even less of a chance with that one! BUT - there is a paragraph that reads - "We would like to make you aware that a separate complaint under the reference COM/xxxxx/2018 has been set up to investigate Other General Insurance that may have been applied to your accounts. You will receive separate correspondence quoting this reference regarding this." Now this is all very well and good, but you would think that throughout 2 years of hassle from me, someone somewhere would have already spotted this "Other General Insurance"? Which begets the question that if the term "PPI" is simply a generic umbrella term that encompasses many insurance products, why do they now have a "Other General Insurance" category and consequently, should I start pestering them again with a host of "Other General Insurance" complaints? Anyway, lets see what happens next.
  10. Hi all, after 3 attempts, GE Money have FINALLY sent me a working SAR. First disc wouldnt recognise the password, second disc was completely blank! Anyway, Ive spent most of the morning going through this stuff and it doesnt look like they hit me for any insurances. But going right back to the beginning of the mortgage there is a list of charges that Im not sure about so could anyone advise if any of these might be reclaimable? Purple Loans Arrangement Fee £352.00 Lenders Legal Fee £170.38 First National Completion Fee £100.00 Insurance Fee £25 ( for processing documents relating to my own insurance) HLC (Higher Lending Charge) £236.19 Thanks all.
  11. Well, I posted the FOS claim form off to the bank last Friday, got a text the following Monday saying they've got it and will reply within 56 days. Not a bad start!
  12. Hi BankFodder, thanks for that. I had forgot about the new rules coming into effect. Think Im going to put a claim in now for the loan they say has PPI, and also wait till the 25th and send a SAR.
  13. Hi all, need a bit of assistance if you dont mind. I sent a PPI Information Request to Yorkshire Bank last month (April 2017) and received a reply a month later. The good news is that after searching their records as far back as 1995 ( which is about the right time) they have found two loans. On one they have confirmed it had PPI. On the other however, they are "unable to determine" whether PPI was on it or not. They go on to say that if I make a complaint, this will enable them to search their archived records and maybe establish whether PPI is or is not on the other loan ( I think it will be), my question is what is the best way to approach this? Do I simply draft up a letter of complaint asking them to search their archives? Is there already an established template letter for this kind of thing? Or would it be better to send a SAR? What concerns me a little is that they know that they were both loans and they have sent the account numbers too. So if they could find that information why can they not determine whether there was PPI on the other loan? Maybe that one is a loan going back before 1995 and everything is archived after that date? However, they still know it was a loan and knew the account number. Might just be my suspicious self again but any advice will be welcome as usual. Thanks all.
  14. Thanks for that bazooka and cheers DX, I had forgotten about andyorchs post. Although the CCJ remains, it cannot be acted upon after six years has passed without court permission and there has to be very good reason for an extension. If say a creditor goes back to court and is refused permission, what is the point of continuing the existence of that CCJ as it can never be enforced?
  15. Hi all, just looking for a bit of confirmation if you dont mind. Got a letter this morning from Wright Hassle representing Cabot saying that their client has given them full instructions to enforce a CCJ made against me on xx/08/2007. They intend to do this by way of an AOE Order. They point out that they are aware the Judgement is over six years old but they expect to be successful given the number of attempts that they, and their client have made to resolve this matter with me. They do say though that they would like to avoid this Application. Apart from the odd letter over the years, and the fact that the CCJ was turned into a CO shortly after it was granted (before I found CAG), no other attempts have ever been made to enforce anything against me. They dont mention the CO in the letter so do you think Cabot havent told them about it? They then go on to say that should they make an Application to the court, they will exhibit this letter and request that the fee for the Application be added to the Judgement. So do you think this is a standard willy-waving letter or something to be taken a little more seriously? Thanks all.
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