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LibertyNow1`

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About LibertyNow1`

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  1. Hi. Well I do worry, and I do think it profoundly unfair. I have no confidence in a system that allows such. On top of all my other worries, being called a criminal for being poor, is not helpful.
  2. my only option appears to be to travel hundreds of miles, on money I haven't got, to plead for something on a basis I can't prove, to be arrested when they say no because I cant afford to pay it. I guess I will be better off just waiting for them to catch up with me atm. I didn't see your second response Uncle B. Could they just arrest me there though? I feel so nervous I have never done anything wrong in my life. £1500 for dropping a cigarette butt. Seems excessive. Meanwhile criminals get off with a caution? What kind of justice is that?)
  3. Yes it was the other side of the country. I never go there and its a fortune to get there. can I email them or something? And no. I have no paperwork that is the problem. Not for the court or fine or anything... and not for my income which is meagre. I didn't even get the fixed penalty fine unless my brother sent it back return to sender because it was a few days after we had a big fight.
  4. They used to be Blemain, now are 'Together'. I am always behind with my mortgage. I am on a very low self employed income and it is erratic. So always end up having to pay three or four months arrears when they threaten me with an eviction. They have an court order due to persistent late payments. My circumstances have changed since I lived at the house...my gf who is also on the Deeds split up. She pays the mortgage, I pay the second mortgage with Together which is about £500 a month. I can never do one of those things with income and outgoings because is so erratic and I dont even live there. But I pay it every few months when I can so she doesn't lose her home, and at some point maybe we can sell it. But, because of all the charges and extra interest etc the amount I owe after paying it for about 10 years is about £10k more than I borrowed! Yet am Paying £6k a year! Total amount is about £60k and its a high interest rate because that is all I could get at the time. So virtually everything I earn bar about £100 a week pays that. And as I only get money erratically and then £2-3k every three months or so on average, I can never get in front just keep paying off the arrears and my living and some debts. So I am very depressed about it and cant see a way forward, except that one day we may be able to sell it. But there is no equity in it atm, and I am losing £6k a year really while the market is stagnant and yet actually reducing nothing its gone up over £10k. Problems started when the banks called my business o/d and loan in as then I had no way of budgeting to cope with the erratic income. I am effectively homeless, and cant even get tax credits because of my circumstances, and living between a few sets of friends and a new girlfriend. She has a tiny flat so I cant store anything there, and cant stay at all when her son is there...no room to swing a cat. All my stuff is with friends in my 'rooms' there, and I have nowhere to sit and do my books which are a few years behind and no doubt I am being chased for that too on money I haven't earned but fines for late books. I am in a total mess and cant see what to do. What can I do? Are these charges even legal? I am told they are not? I want to sort this out first as it will be one thing off my mind if I can stop them doing that. Then I have to face the HMRC and explain why I haven't done my books for several years afterwards.
  5. Can anyone help on this issue. About 3 years ago I put a cigarette out when unexpectedly being called into a shopping centre. I shouldn't have, and I got caught by council enforcer. At the time, I was going through a very difficult break up, and was homeless as a result effectively. I am self employed on a low income, and could not claim tax credits as the previous relationship I was in meant my name is still on the deeds effectively its my home to the tax credits people they said I was still living there, even though I wasn't. Hadn't for 7 years. I had spent my time travelling around , and staying with clients, friends, the new girlfriend I had, and my brother. My reasonable income and security was effectively taken when the Banks called my business loan and overdraft in when they got in trouble, as they did to a lot of self employed. Stupidly I remortgaged and that's a drag too. still have to pay it so my ex doesn't get evicted. And just surviving off the little I earned. Very difficult to do my books as its all a mess and I have nowhere I can do them properly atm despite being under the tax threshold I still have responsibility to do them but that is difficult in the circumstances. I had a big row with my brother 3 years ago as I was staying there. We don't speak. He just put return to sender on any of my mail that came there, which was mostly junk. But apparently he has discovered they have been chasing me for a fine as a bailiff company told him. He pointed out that it wasnt him and I haven't lived there and we don't speak. He is demanding to know where I am living so he can pass it on to me. I had completely forgotten about it and now its about £1500 as it went to court and everything. There is no way I can pay it, prove my very low income, or effective homelessness (I am staying with two lots of very kind friends free, and don't want the bailiffs knocking on their door). So what can I do? I am told I could even be arrested for it? This is terrifying me as I only have a subsistence living and cannot pay it and cant prove my income atm . I never received any notification of the court date three years ago and had forgotten all about it. They are looking for me but dont know where I am obviously and neither does my brother. I dont want to get him in trouble either, so can I approach the Court or what? If I had known re the court date obviously I would have paid when it was low.
  6. Hello and thank you for responding. I was kept in the dark as to the nature of this policy being mis sold; apart from the basic reason which was that as a low earner the sum of life cover was inappropriate as I had no dependents. I had some policies with Lincoln Assurance and some with MI group. They were in force for at least ten years as I recall. I don't know if it included back dated interest. I had the payments in two installments. One I wrote a cheque for then it bounced so I paid cash - but significantly to the financial advisor not the claims guy. Then the second cheque also bounced due to finacial difficulties. It was at this point I was threatened with court then someone told me that the fee was ridiculous and I could have got it done much cheaper for a flat fee; so I thought about contesting it. Thank you so much for your help. I have to let them know my defence by friday 23rd but the court date is not until may 7th. I will send you an email with the details of the parties involved.
  7. I am being taken to Court to pay an exhorbitant fee which I object to paying. I was approached by my so called 'financial advisor' a year or so ago and told he had misold me life assurance policies.The good news was he could working with a person who specialises in getting these back get the money back for me. They said they would charge twenty five per cent. I was told that the combination of the two working together would be the only way I could secure this. So I proceeded, and was paid back monies. However, I wrote a cheque for the fee which was very hefty - several thousands of pounds - but my bank had already decided it was time to get their money back off me and so it bounced and the bank stopped my overdraft. However I subsequently learned there are people who specialise in this kind of work who charge a reasonable flat fee; or one can even do it oneself with advice. So I didn't pay it; and now am not in a position to anyway. Now he is taking me to Court. I feel like someone who is supposed to represent my financial interests and sold me the policies in the first place has conspired with someone against my best financial interests. I already paid £1000 to said financial advisor after settlement which is evidence of their collusion; and am being taken to Court by the other guy for another £4000. I worked hard all my life for twenty five years and paid these premiums and pension plans (that have spectacularly failed to deliver) by this 'advisor' and feel a fifty per cent commission is parasitic and they clearly are targetting people this way as a team. I am struggling in this recession to keep my small business going and am now in receipt of working tax credits as I have virtually zilch income. Do I have any kind of defence against the demand in Court? I think the fact there has been collusion and also the unreasonable fee agreed when I knew no better may be; but how do I put it? I have to let them know in advance of the court date my defence. I feel throughly disillusioned by the financial servces industry. When they behave this way they are nothing but parasites living off the hard labour of others by cheating them with hefty fees. I am also now of course without any type of life assurance at fifty years of age; so believe the advice was bad anyway.
  8. Thanks. I did claim some back a couple of years ago but thought it was on hold for now?
  9. Problem is with benefits is they are almost impossible to get if you are self employed. If you aren't seeking work you can't get them; and I don't want to let my business go after 25 years doing it. It is distressing, as the very people who have caused people hardship by ridiculous bank charges and stuff (paid £6k in the last two years) are the very people who the government help whereas small businesses are going to the wall. There is no help for small business; its all gordon brown myths.
  10. thank you Squidward. I should have explained I have tried to come to an arrangement but they say I must pay a minimum of £200 each month on top of the £500 and they will still go to court for an order over the property just in case I default. The person at the call centre was very intimidating. My mortgage company on the other hand (Birmingham Midshires) has been charming and say I don't have to pay a bean in arrears until october when they will review to see if I can afford a little bit.
  11. I have been referred to this forum by a friend but to be honest it is overwhelming. I wonder if anyone can help me specifically. I am self employed and took out a loan for £50k secured against my house in August 2007 as that is the year anyone who is self employed will tell you the recession really started. I have fallen behind by four months as it has bitten harder. The repayments are £500 a month. I managed to pay £500 this month but they say it will not prevent the court date of 3rd July for reposession of my house. What should I do? Obviously due to the recession my income has fallen dramatically and can hardly afford the existing payments and am worried if I will be in the future as I struggle to get back on my feet and just keep my business going and they are demanding I pay everything off by the court date. I have been told that CCA stuff can be done on debts prior to 2007 april but this is subsequent so what can I do? I am not the brightest person on this sort of thing as I have never had debt problems before so please keep it simple!
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