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About merlin100

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  1. Ah Lantern? The wife has recently got one of their demands for a debt that's around 5 months off becoming SB. Are these people desperate or have they bought a lemon portfolio? Anyway, shouldn't be too hard to play a little letter tennis if they up the game a bit just to get it over the six years.
  2. Thanks for the advice dx, that's coming next because some of them are dubious loan companies.
  3. Hi Francis, sorry Ive only just seen this but Ill tell you what has happened to date. As Ive already said, my son began paying £120 a month to them with very little understanding of what they were supposed to be doing other than some vague promise of having some of his debts written off in the near future. At that time there were also vague promises of some sort of DMP being set up after 12 months of him paying this money but nothing was ever put into writing - it was always promises by phone calls. He had 9 separate creditors amounting to around £9000. After 5 months only 4 of the creditors were willing to deal with 3 Lions, the others wouldn't recognise them as a debt management firm and were constantly calling him and sending the usual threatening letters. Once we got to the bottom of it, it turned out that the £120 a month for the first 12 months was just a fee they charged to look into his contracts and see if they could be voided in some way. But after that 12 months had passed, they were not very forthcoming on whether a DMP or other form of debt management plan would be put into place. It didn't fill me with much confidence. All they ever told him when he rang was not to worry, they were sorting it! Luckily, in their original contract (then), the option to cancel at any time was available which I also thought a little strange coming from a team of barristers. We cancelled the contract but by this time some of his creditors were threatening court action so we got in touch with Stepchange. They were pretty good and acted swiftly. All his creditors had to accept them, the letters and threats finally stopped. Although he was only around £9000 in debt, he was paying just over £1100 each month out. Stepchange reduced it to £247 a month. Lesson learned!
  4. 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.
  5. 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.
  6. Thanks dx, these iPads aren’t very good! I’ll have a word about him joining up.
  7. 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.
  8. 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?
  9. 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
  10. 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?
  11. Hi dx, yes do what you want. Its been that long since I posted I had forgotten it began with Barclays etc.
  12. 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.
  13. 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.
  14. 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!
  15. 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.
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