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About bigboykarl

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  1. yes they made a mistake but i have to pay £100 more than the high bid..i bid 7900 it closed but allegedly somebody bid 8400 i have to pay 8500
  2. none...i have an invoice with the new price on..they seem to be putting me under pressure saying if i don't want to pay they will sell to the other bidder
  3. according to what they have said ..the auctioneer missed the other bid and moved on ..the auction house is featonbys in north shields ...the auctioneer is the company director and it's at his discretion until an invoice is sent out apparently...sounds like a con to me
  4. yes but they are only the agents.....the hammer closed and they went on to the next item..i rung the auction house at 11.57 to arrange a collection date ..it wasn't mentioned then...they rang me to inform me of the extra bid at 14.10
  5. today i won a auction with easylive.com the hammer dropped @£7900 i got rang a hour or two after the the end to say the auctioneer missed a bid and if i want the item i have to pay £8500 plus commisions of course...shouldn't the hammer fall be the binding bid ?
  6. i think my wife recieved the letter with a means test but didn't reply
  7. we have recieved a letter posted through the door..saying bayliff removal magistrates liability order/distress warrant unpaid council tax balance due in 24 hrs £600.27 inclusive of costs i have attended today with the attention of removing your goods and chattels as are necessary to discharge the above debt and any additional enforement costs incurred. if payment in full is not made with 24 hours you may incur further costs please note no further arrangements are acceptable and payment is now required in full by clear funds only i willre-attend your address at my convenience and may remove goods even in your absence should you wish to avoid this course of action contact me immediately on the telephone number below no contact will be taken as your refusal to pay
  8. my case for filing it out of time is pretty poor/i lost paper work. i work away from home so i'm not sure if a order for recovery was recieved at home although i did fill in a form to appeal to a independent tribunal..but heard nothing and as the ticket was inactive on westminster's system i thought it was in the process of being cancelled...as i had sent them my original parking permit proving i was legally parked
  9. in july 2007 i was parked in a road that borders westminster/camden boroughs,i was parked on the westminster side of the road with a camden parking permit (underneath the westminster sign it has another sign saying"and camden pa-k permits).So i'm damn sure i was legally parked..anyway usually thick traffic warden comes along and issues a ticket.. i rang westminster and they advised send back a letter and the visitors permit i had used which i did ..fast forward to january this year and a bayliffs letter arrives...i'm suprised as i thought it was dealt with..so i end up doing a statutory out of time declaration..which gets refused and the bayliffs are on my back again so now i have to fill in a n244 form? i think which costs £75...do i have any redress against westminster for my time and money i have lost/going to lose fighting something which should have been nipped in the bud 2 years ago??
  10. what things are regarded as assets my car is worth £1000...wifes car £700 is jewellry regarded as assets i.e engagement ring wedding ring,necklaces,bracelets stuff that has been bought as presents over 20 years of marriage...i am in arrears on mortgage and secured loan and also have negative equity what would happen with the house....
  11. this thread is astonishing........ i myself re mortgaged back in 2005 i went through a broker named red mortgages in sheffield....i was looking to borrow 65k and was interested in a chelsea building society 10% cashback but was pushed into a ge money 73k re mortgage by the broker and it's all making sense as to why:mad: think i'll be sending a sar letter to ge ...p.s red mortgages seem to have disappeared how would this affect me??
  12. hi thanks for reading this,over the past 5 years i have got more and more into debt,for over 16 months i haven't paid a credit card bill and have just buried my head in the sand,i need to sort this out my debts appox are £72,000 mortgage,£45,000 secured loan (property value now down to abut £90 to £100k),10k bc,9k mbma ,2.5k cap1,2.5k lloyds card,4k abbey loan, 5.5k abbey o/draft,4.5k bhorse car loan,1.8 bkhorse scs loan,1k storecard....wife has 5k bc and 5k mbma cc.... i was going to go the iva route but just when i was near to sorting it up pops tax credit saying i owe them 12k from 2003 to 2004 when my wife and i had seperated we had made a joint claim before and then separated in april and cause we didn't inform them they are claiming the entire award back and not talking into account that she was entitles to 9k of it...i couldn't start the iva as they wanted approx £350 per month and i'm struggling to make my mortgage(1 month arrears) and secured loan payments(1k arrears) as it is..would i be better of going bankrupt and would i lose my house??also bcard have put a third charge on the hse from my 10k debt i still have 3 children at home so am very worried cheers for reading this.....karl
  13. "Eliminate your credit card debt NOW" Any number of cards.... any amount of personal debt! How to eliminate debt and create wealth in the shortest possible time. We do not give legal advice however we supply the knowledge, philosophies and template letters necessary to cancel out your credit card balances on all major credit cards. We are not able to help persons who are already in debt consolidation or other debt reorganisation programs. It's time to stop these banksters from forcing thousands and thousands of our families and friends into bankruptcy. (Over a million last year, the majority caused by overwhelming credit card debt). What credit card holders don't realise is that when banks approve your credit card and establish your credit card limit, they use your name and your signature on the application to create the money to fund the card. This is in essence your OWN MONEY. How does it feel to realise that you have been paying the banks outrageous interest rates for all these years on your OWN MONEY? What a deal for the banks!! Having you pay back your own money plus interest on it. At no time do the banks lend you any of their own money, or of other depositor's money (Not One Single Penny). "WHAT A DEAL FOR THE BANKS!" Our purpose is to put a STOP to this monumental [problem]. We launch our attack to free the public from the tyranny and financial oppression of the banksters. The program will give you what may be your last opportunity to get out from under the bondage and oppression of the credit card [problem]. Legally Eliminate Credit Card Debt or Personal Loans Your unsecured credit card debt is legally terminated based strictly on existing laws, policies and procedures that banks and other financial institutions are required to follow. A cursory examination of these laws reveals that modern lenders breach their contract with every single customer. Banks, credit card companies and other financial institutions advertise that they are in the business of lending money, but this is false. The Banks own accounting ledger shows that the exact opposite occurs. Once a customer challenges a lender and requires that the lender produce its accounting books and forces it to explain exactly whose asset was used to fund the loan or credit line, the original contract/agreement is rendered null and void because the lender did not fulfill part of the agreement, i.e. it failed to loan money that belonged to the bank/credit card Company. What is really going on? Example 1: For sake of illustration please follow along with this example: Part of any bank checking-account agreement is that a customer's deposit must be credited to the customer's account. When a customer makes a deposit of £100 the bank accepts the deposit and credits his/her account for £100. The bank's accounting record now shows that the bank has a liability on its books for £100, because of the £100 asset deposited by the customer (a bank liability is a "bank IOU" for the customer). Per the customer's agreement with the bank, the customer can withdraw the £100 at any time and the bank is legally liable for returning the deposit when demanded. Is the bank legally obligated for returning a customer's deposit? Is the bank in breach of the checking account agreement if it does not return the deposit? The answer to both of those questions is "Yes." The banking business would be the best kind of business imaginable if banks were not obligated to return people's deposits-but as incredible as it may seem that is exactly the way banks and credit card companies do business when they extend credit and loan money to customers! In other words, your signed credit card or loan application (promissory note backed by your future labour) is converted into a "cash" asset by the bank. In fact, the bank stamps the back of the credit card agreement/loan application (promissory note) just as it would any other deposit, and then deposits it into a "transaction account" (a special account no different than a checking account that is opened under your name, but without your knowledge or consent). The bank then returns the cash to you (your "loan"), but also wants you to pay back this "loan" (of your own deposit) as if the bank had loaned you its own money. For these reasons, the bank does not fulfill its part of the loan agreement, thus nullifying the contract between the two of you and releasing you from any "repayment" obligation. Despite what you may have been taught, this is the way the banks do business and this is what has happened in every single bank "loan" transaction you have ever been involved in. Bankers pray that no one will find out about the [problem] and ask for return of his/her original deposit, i.e. the signed promise to pay (asset) and expose the banking system for the confidence game that it is Example 2: Here is a simpler, if idiotic, explanation of the above example: John agrees to loan you £100 of his own money at 5% interest, but also requires that you put up a £100 cash deposit as collateral for the loan. Let us say that this was an acceptable loan arrangement for you and you entered the loan transaction, taking a £100 note from your pocket and giving it to John as collateral, and John then handing it right back to you and calling it the "loan". Let us also say that you paid back the £100 plus £5 in interest as agreed, but that John failed to return the £100 cash deposit that you had put up for the loan. John would be in breach of this loan agreement for two reasons: 1) He did not loan his own money, and 2) He did not return your deposit. Both are grounds for nullification of the original loan agreement and all such "loans" from banks, credit card companies, and other types of "lending" institutions are not different from the example. Modern "lenders" accept your signed promise to pay as "cash" and deposit the signed promise to pay in an account in your name without your knowledge and use your deposit as the source of all the money you receive in the so-called "loan," but never tell you about it and never return your original deposit. This is the way the banking system has operated since 1913. If you fit in any of the following categories the program is designed for you: * You cannot afford paying your credit card bills. * You have no incentive for paying your credit card bills. * You can tolerate negative entries on your credit report for as much as a year. * You would like another chance, but do not like the idea of filing for bankruptcy just because of credit card debt. We do not recommend people attempt termination of credit card debt without competent assistance. Banks and credit card companies have very clever officers and lawyers and can instantly recognise when you do not fully understand what you are doing. In such case you can be easily defeated. However, we can assure you that we offer the finest quality assistance available. The process is much easier and faster than other programs, and before you know it you will be out of debt and back on your feet with a clear clean credit report. Our program enables each individual to finally take control of their financial life and stop drowning in credit card debt without the need for bankruptcy. As soon as you join our program: You can STOP making debt payments immediately! You can terminate your debt NOW
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