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sequenci

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Everything posted by sequenci

  1. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Take it from me, you're barking up the wrong tree. I don't need Google. I've spent years studying EU law.
  4. Well, the process has been in place for over two decades. I'm sure any realistic challenges have already been tried. It's not a new system by any stretch of the imagination.
  5. It's an offence not to pay but the enforcement isn't the same as for Magistrates' Court fines and suchlike. It's rather niche and peculiar. I don't think Legal Aid is available either.
  6. What's unfair about the liability order process exactly? For what's worth, in over a decade in being involved with council tax disputes, I've never come across a single legal aid funded case.
  7. It's not as simple as that. You right to an extent in that UK law has to give effect to EU where applicable, but there are instances where compatibility is simply not possible. It's a complex area for sure.
  8. Did they use the specific term 'bailiff' or was it 'debt collection agency' (or similar)?
  9. It's perfectly the norm to request an I&E form every few months or so. The general rule is six monthly. I do agree, however, agree that this should have all be done at the start.
  10. It is standard practice to send an I&E as it reaffirms that the offer is a pound is a fair and reasonable one. The whole notion of not sending one is pretty daft. Any debt advice organisation worth their salt will tell you to send one. It isn't obligatory of course, but not sending one can sometimes cause further grief that could have been avoided.
  11. It is more than possible in certain circumstances. Bankfodder has posted up some useful information in relation to this particular query. Some useful general information (not particularly relevant to this thread, mind) can be found here: http://www.adviceguide.org.uk/england/consumer_e/consumer_protection_for_the_consumer_e/consumer_contracts_e/who_can_make_a_consumer_contract.htm
  12. As Ganymede highlights, the only option that the creditor would have that could cause you a small degree of frustration is an attachment of earnings - though they are very rare. A creditor is highly unlikely to bring bankruptcy proceedings against you unless you have an asset that they can implicate - i.e. a property that you own.
  13. Hi there, There's a great bankruptcy fact sheet here: https://www.nationaldebtline.org/EW/factsheets/Pages/01%20EW%20Bankruptcy/Default.aspx Given what you've said, it could be a very simple and effective way of becoming debt-free. It's a painless exercise these days, the only real hurdle is the fee - though there are organisations out there who may be able to help. Do read through the fact sheet, it's beautifully written and easy to understand. It answers all the key questions. Best wishes, Seq.
  14. Very much so. For the record, as it's only a restriction there is absolutely NO requirement to pay the charge as part of the house sale, a simple notification of the change in circumstances is all that is required. Good luck!
  15. Well you'll need someone to do the conveyancing anyway - I doubt the advice service will be able to do that. I *do* know that they're very good all debt-related issues though.
  16. I think you have to pay extra for that. The number is a bit of a misnomer as all lenders have their own systems for deciding whether or not to lend. The number is just an estimated score system that the CRAs use.
  17. I'm quite sad about that. Even if he is a jerk.
  18. Creditors can chose to share credit information with one, two or all of the agencies. or they could opt to share it with none of them. From what I understand, Call Credit is the least reliable.
  19. Not sure tax goes to much of that, though
  20. That's as I understand it - a SAR is only aboutt he raw data, and not the format/design of an agreement. So, as long as youv'e got the figures + information it can be presented in anyway they like as long as it's easily understandable.
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