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Posts posted by Lapchien66

  1. I paid off my account and closed the card down well over a year ago. Last week, out of the blue, they sent an account statement to my old address, showing the balance as £2500 (my old credit limit) with £2500 available to spend and £0 to pay on the statement!


    I'm really annoyed as it looks as if they have not closed the account. On Credit Expert the account shows as closed and settled with a zero balance, over a year ago.


    Anyone else have the same, or any idea about what's going on?





  2. Leaving aside any intrigue about what's been said in the past or posted on other forums, if you wish to maintain that you are not partners it might be an idea to read through this Decision Makers Guide. It's the one that the DMs use to decide who is or is not a couple, and if he were to appeal it might help him to word his submission correctly.


    Perfect, thanks for the link.

  3. Yes I do agree with what you've said. I moved to this larger property when my Mum was living with us, and I had a ton of stuff, but have been dumping a load and selling stuff on ebay (£800 so far!). I had a range rover that was costing me £1000 to pay for an run each month, I swapped it for a 59 plate diesel Golf which costs less than a quarter of that to run, the last big expense is the rent, £1150 p/m plus bills. Having an Aga really does not help. I've been looking on rightmove for 2 months for something smaller and there does seem to be a lack of decent suitable properties, I will keep looking.

  4. There is NO "fraud" - we are friends and as I have always had a good job I suppose I have supported him. He has all sorts of issues in his personal life, illness, drugs, drink etc - if it was not for me I am sure he would be dead by now! I just cannot support him 100% whilst he looks for work - when he was on JSA and CA before he paid me most of it.


    I'm going to be speaking to our company solicitors tomorrow to see if they have any expertise in these matters, and may swear an oath that we are not in a partnership - if that may assist.


    I know that the so called moral majority on here and elsewhere may just have read these threads with raised eyebrows, however the TRUTH is that we are NOT partners, he is his own person and he may now be 'on the streets' as a result of all of this.

  5. When he was in receipt of carers allowance he did also get a little top-up of IS. He gave me all but £10 of all his CA to pay for his room and food (paid direct to my account so it does appear on my statement). I only pay the bills at the moment to prevent him from starving!

  6. I've lived with my best friend (100% NOT as partners - we are blokes!) for 10 years, and in that time I have always worked, never even signed on or claimed any benefits.


    My mother lived with us until she passed away in January, and my friend cared for her and received carers allowance. A few weeks ago he claimed JSA and this has been refused as it is deemed that he and I are living together as partners. This is totally not the case.


    He wants to appeal this, what is the best way? Do I have to swear an oath if that helps?

  7. Are these the same wonderful banks who lend at 7 or 8% and then bang the rate up to 30/35% once they figure out you're struggling?


    The same one's who "charge" £30 for paying a couple of days late.


    The same ones who when you pay £180 off your card one month they stick £170 back on in interest?


    The same ones who phone you day and night, even when you have a payment agreement in place?


    The same ones who send a thug to your door if you haven't picked the phone up to them in a couple of days?


    The same wonderful banks who trash your credit rating at the drop of a hat so you can't even get a mobile phone?


    Those wonderful banks hey? Maybe we would be more inclined to play nice if they did?


    How much of the £100 owed in your example is made up of unlawful charges and extortionate interest?


    Still think this is a "simple" moral question?



    Good points here - in reply to the OP, I would say that the original institution who lent the money has long since written off the debt and claimed full tax relief for it, yet the sharks who then buy it try to recover the full amount - surely that's wrong!

  8. My sister and brother in law own their own house, and their 26 year old son lives with them. He has a debt of about £1500 and unbeknown to his parents it has gone through the courts process and they have bailiffs knocking on their door seeking to recover the debt.


    My brother-in-law has told them that it is his own house, and his son owns nothing in it. He has produced evidence to the bailiff on the doorstep that he owns the house and his ID, and the bailiff said that they would update their records.


    However, they continue to knock the door seeking recovery, and now my brother-in-law is forking out a few hundred quid of his own money to 'make them go away' for a bit.


    Sorry if this has been asked before - how can they stop the bailiffs coming to their door? Is there a letter template for the court / bailiff company?


    (Btw, the son has no assets or property, no income, not even signing on).





  9. Homeserve cannot cope - they are a massive company (in terms of revenue), spend their money on a helicopter for the chief exec and his flat in the south of France, when customers need them they fob them off - if your boiler costs more than £200 to repair it they will knock back your claim and say it's beyond economical repair and refuse to pay out.


    Save you money on premiums, just bank it yourself and have a look in the YP or online for an emergency plumber (but check the small print in the YP and online, as Homeserve are known to present themselves as multiple brands).



  10. I had these morons chasing me for a while last year. Before that I used to bury my head in the sand and be worried that they would turn up at my door. A few weeks on this site and letters sent, they went creeping back under their stone. I found out that they also searched my credit files, I threatened them with court action and they removed all traces.


    I don't get bothered by these or any other DCA's any more. I actually miss those silly little letters 'demanding' this and that. My credit history is poor but has been excellent for the last 4 1/2 years. In 18 months I should be a 999.


    Remember, these collectors have NO authority and NO power. If they turn up at your door tell them to bog off or call the police. If you feel threatened by them complain. Push them for absolute, legally watertight agreements and proof that any debt is due. These bottom feeder DCA's are passed a list of folks with an amount and details of the original account in a spreadsheet, and their employed monkeys just ring around and generate spurious letters to try to frighten people into paying.


    They have bought these accounts for a few pence in the pound, the original creditor having written off the debt and claimed tax relief. Yet these DCA's are allowed to buy an account and make money from it!


    The whole industry stinks, don't let them get away with it.

  11. It breaks my heart to think that anyone would pay even 1p to these idiots. DON'T PAY THEM A PENNY - demand that they 'prove' that the debt is owed by using one of the letter templates on this site. Maybe the one known as the 'prove it' letter?


    On receipt they are legally bound to respond with 'here is the proof' (very unlikely) or 'sorry we're going away now' (highly likely) before going after a softer target.


    How old is this debt? If it's been 6 years since acknowledgement or payment then it is statute barred and they can't touch you.

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