sorry its Credit card

hy, sorry I get so scrambled with posts. I still got the letter and enclosure its just they got part of the address wrong, haven't moved away, been here for quite a few years PRA Group Letter 1 - says they recently sold the Barclays A/c debt to PRA Group UK Portfolios Ltd and is owned now by them. They are now data controllers of my personal data for the a/c. It has amount owed, who I owed to, agreement date Nov 2002. In same envelope was; Letter 2, providing a statement of my a/c, Transaction breakdown available upon request. further information about original credit agreement. Debt is approx 4,300.00+ Then repayment solution , if I pay £879.55 full and final settlement to settle the debt. but has to be paid by 21/2/2024. then about 7 pages of info about Data protection info notice A lot has happened over last 10 years, especially the last few, nearly 64 now, had to give up work to be a full time family member carer. I cant seem to find much or if any info relating to this debt, I cant find any letters to say I contacted them with any info or payments offers. what would the best option for me to proceed, please. As i only get carers allowance and very little income, they wont get much out of me anyway. any advice is better than none, so sorry, Bazooka Boo, lolerz, its such a nightmare time at moment caught up with flooding and burst pipes, sorting travelling and caring full time for my brother. -PRA Group transferred my original debt, Barclays to PRA Group UK Portfolios Ltd. reply to lolerz - sorry no letter from them or anyone who said debt is closed reply to Bazooka Boo, well they are asking me to respond I can not recall ever responding to them ,have some boxes in attic, which are about 8 to 10 years old, will see if I can find anything. they have given me a statement, a/c summary and agreement date Nov 2002, which I assume is when I did a credit agreement, but so long ago now. I just need to get on top of it and know how to tackle it best.

Hy, Not sure if this is right place for this; Advice and fact needed please. 1] My understanding is, if you believe that you haven't contacted or made payment for at least 6 years, then you can argue, Statute Barred, just reciveing a letter or statement, from Debt Collector, does not make it a enforceable debt, especially if you have no claimed it ever was. 2] No court [CCJ] or legal threat letters received 3] Out of blue, letter received, not even my proper address, stating if a one off final payment is made, then debt closed! But I dont recall debt and have not made contact with in the 6 years. I dont think writing to them making acknowledgement of any kind is a good idea, as that then would suggest you know of the debt and your 6 years would be restarted. What is the best course of action! many thanks

Hy can anyone help please, in the near future; a household that has 1 adult, exempt due to mental disability, an adult live in carer, no income, no benefits claimed but carers allowance only, and a retired state pension adult what discount or criteria will be used, what total and who pays the Council Tax, any applications advice please before making future situation permanent, many thanks for help and advice

Hy, not sure where to post this [maybe someone will put me in the right place] Q - SA submitted for Tax Year 2022 to 2033 NOTE; No longer work as of Sept 2022, as full time carer a nd receive carers allowance. Chopped in my Empoyers pension for a full cash sum, [One off cash sum] paid on 18/8. 2023 the first 25% was Tax free, remaining 75% was taxed at source Tax = £1,427.52, as I am below Tax allowance, Where on a SA do I put it on a SA Q - How do I claim the tax back? Q - I printed off P53 form, but not sure if right one Q - It says, Current Tax year when received payment, doe sthat mean next years one, 23-24, as Lump sum paid outside of the 22-23 year. Can anyone help, please or suggest where, Tried phoning TAX SA Line, says not taking calls till sometime this month Simply how do I get the tax back as it is a lot?

important thing @Stuckfast not to get to worried or stressed [easier said than done] you have a lot of debt built up, dont go adding more on new cards if you cant pay for it. Re work your budget sheet, leave only a amount to pay back and stick to it. Do what is best for you. good luck

@dx100uk true, very good point.

I am sure more experinced people will be able to advise and help. From experience, why not contact National Debt Line, very good for; a] sorting and printing you budget sheets, so if need arise you can send one to debt people, showing exactly what may or may be left over for debts, making sure your priorities are sorted and other living costs. b] Also good for templates to use for letters etc, or ask on here c] Also register an dthey can offer advice on the phone or on line. However, again, personal experience, try not to use current credit cards, especially if you cant afford the repayments, I am not sure how the debtors view pro rat repayments when you payig other current debts. It does sound a upseting situation, but do not pay them anything more that you can safely afford, even a £1. Hope you get it all sorted. I personally, again experience, do not phone, accept calls, e mails, I prefer and advise, letters only and keep proof of all documents. Keep a diary to not all actions, contacts, messages, months down the line you may need them to refer to. all the very best

do I not pay, until they contact me, which will be to say, you haven't paid, contact us, or else! in which case I will get default for not paying! or send a CCA request now, not pay and wait, its all rather confusing for me to work out what to do for the best, sorry I sound stupid, but really not good and medication and pain, stops me from focussing properly just to add if the debt company does present a CCA this will then be an enforceable debt in court, so would I end up in court?

I note the points raised above. Concern is; 1[ The debt was reguarly paid per month 10.00 as agreed, but so long ago. Hoist owned it, now acquired by Lowell. So how can it be argued, the debt isnt mine or belong to me. 2] So should i wait for a claim letter, then ask for a CCA, or ask for a CCA. 3] Yes I am trying to find all my health related letters, hospitals GP, medications, eye sight not good due to the diabetis, and I doubt I may even be here in a year or more due to health. a] argument could be, write off the debt on this ground, as If I pay only a few months or year, then die, you wont get any more money b] If you dont agree, then it will take so many years to pay the debt off, so I will probably die before then, so they wont get all the money c] Perhaps offer a full and final figure, about 15 to 20% [lump sum to come from family/friend 4] If they prove the debt is mine, bearing in mind, I have been making payment, then IF they produce the CCA or proof it is mine, then if it goes to court they would have a strong case, which I may welll end up paying court costs and still the debt on top! @fkofilee and @London1971 you have highlighted this issue which seems a possible option, except they could still turn round and say No way! It is indeed very stressfull with my life at moment and wondering if I hav e the strength to enter into more worry and stress, in a way avoiding the debt.

@London1971 have printed confirmation letter will send tommorow, Recorded, thanks

ok thanks, will take on board your points, will send letter confirming address - so next payment due 1st May, i dont pay it or I do - wait for claim letter before I ask for CCA or request CCA now, just seen note, I dont send CCA until claim [if i stop paying, will i be in default? - taken out with Barclaycard so many years ago I cant remember, its got to be at least 10 years or more but if they do produce the CCA, then back to square one

@London1971 Ref address, they do have my new address well its years old now. That is why Hoist are able to send letters. and That is why Lowells have written to me here, Hoist gave or passed contact address to them. @dx100uk it goes back years, I must have contacted them [before Hoist] and made a payment agreement, of 10.00 which has been paid reguarly, although I recieved letters from them, I never ever phoned or wrote to them, just made payments. Oh so how long do you give them now to find and send me the True CCA. what is time line for this I will write to Lowells, requesting a bar code to pay at Pay point, only other option is 24 hr payment line, I do not want to do debit or DD, as I am worried about them getting access and my bank details. what happens if a CCA is not produced, does this make the legal debt, unenforceable via CCJ or court. Its being paid, so I cant say its not my debt or I dont know about it, as they will wonder why Im paying a debt all this time if it wasnt mine. I they produce a claim letter, then I cant say its not my debt? may end up court or more costs, not to mention more stress.

Hoist have been send letters about If I pay a lump sum they will write off the rest, also, letters about contacting them if current payment plan, arrangement is ok. they already have the new address, been here quite a few years now. Lowell also sent to this address their letter. Hoist Letter dated 28th March, received a few days after this. Hoist ref number XXXXXX Balance £5003 [but as paid 10.00 on 31st March it should be reduced] Previous creditor ; Barclaycard Previous A/C number, XXXXXXXXXXXX Address this one, my current Content; In October 2022, Hoist holdings etc. acquired by the Lowell group. On 6th March 2023, A/C transferred to Lowell Portfolio, with a balance of £5003. Any payments after this date will be made towards my A/C and deducted from total. LPI instructed Lowel Finance to manage my A/C. As part of sale of the A/C, we have shared some information we hold about you with LPI, so they can manage my A/C they will be responsible for any further communication with you etc...... Lowell Letter dated 28th March 2023, received a few days later with Hoists. details similar to Hoist, different ref number Content similar about acquiring. The letter refers to former agreement with Barclaycard, balance legally assigned to Lowell Portfolio, it was first legally assigned from Barclaycard to Hoist Finance UK, then to Lowell Portfolio LPI now instructed Lowell Finance Ltd to manage account. Move payments to Lowell. Lowell are aware my previous payments being made for this A/C now make payments to us Contact options 3 payment options [which i am not keen on as I usually paid each month at Pay Point] then a lot of standard printed jargon. I hope that this helps better understand my situation. A CCA pending on what it is being used for, would take at least up to 3 months for them to find and send. I understand they have 12/14 working days to reply; send True Copy of CCA , I assume as Lowells are the new owners, I can do this, and they hopefully will comply. If they want more time they can ask up to 40 days longer. I send £1, keep copy, proof of postage. Am I write in thinking if No CCA is sent within 3 months, the debt legally exists, but cant go to court/CCJ If this is the case the debt is not legally enforceable, and assume, you could possibly stop paying? unless a CCA is provided. But if debt is still a legal debt? then cant it still be chased and end up eventually in court. [you can not use statute barred] So to present day, I guess I will have to keep paying each month until CCA is found. Al rather stressful on top of everything else. Please highlight any areas where I need to trad very carefully

@London1971 thank you for reply. Regarding payment, at the time, [a long time ago] I thought that this was the best course of action. It was a Bank Credit card, passed to Debt collectors, then passed to debt collectors [the latter two I forget] in order for me not to get into bother, I agreed a monthly payment plan, 10£ with the the agency who took the debt over, which was Hoist, I never contacted them as spoke or replied to them, just paid each month by Pay Point, this i did for many years. Untill March when Lowell said they had taken over the debt and contact them regarding payment as they know I was paying with Hoist. What will the CCA do! Yes moved, and yes Hoist sending letters to me at new address. What will happen if they provide CCA or if they dont, I assume I still hav eto make payments. Yes I will get all relevant medical letters, treatment and medications? If i dont make payments, will I be in a breach? Can they take me to court? Yes all letters RM recorded. Will not answer e mails, phone or texts.

Hy, not sure if this is the right place to post this question. It, is not about avoiding the debt, as it has been paid each month, it is asking the best advice and option in dealing with it, now and future. The debt was originally with Hoist Finance UK Group. It was a credit card debt, balance £just over £5,000. An agreement was set up for me to pay £10.00 per month [which really, is all I can afford] I did this by paying in with a Bar code at Pay Point. Regular payments were made and non missed. At present, retired in late 60s and not in good health, rather bad health issues. Taking day by day, year by year, if lucky. A payment was made on 31st March. A few days later, received a letter from Hoist, stating that in October 2022, Hoist was acquired by Lowell group. In early March 2023, the debt was transferred to Lowell. A letter from Lowell stated that they have the debt and payments options are; Use Automated 24 hrs service; or On Line banking or set up Direct Debit. Question 1]; I would rather prefer to pay, using the Pay Point option, I do not want to pay using bank debit and also do not have on line banking. Would the automated option be better for me or can I request the Pay point option. At 67, in poor health, limited pension and at £10.00 a month, at present, it is going to take a very long time to pay off the debt, in fact I will have passed away by then. Question 2] Should I keep paying the £10.00, and if I were to pass away say in 6 months, 1yr etc. Lowell will not get anything back as there is no money or assets in my estate to pay this off, only enough to burry me. Or, should a final settlement offer be made, as a friend of mine would lend me a sum off money, all be it less than amount debt is owed. Maybe 15 to 20%. Either way, I do not want them phoning, going through lengthy chat, as healthwise, I am not able to cope with this stress. Should I send a letter of reply to their letter, also ask about making payments, maybe the settlement offer? Any help, advice on this matter would be appreciated, many thanks

Not sure if this is right place to post? I purchased sweets on line, [In the last 14 days] the advert stated spend over £25.00 get FREE postage and get a FREE 1kilo bag of sweets, I ordered and paid for the goods, 3 x 1kg Sweets and a FREE 1kg bag. I was told a few days ago, parcel will be on its way and that I wont get a FREE 1 Kg bag as offer finished, they are giving a box of cakes instead. Had I known that at the time of ordering, I wouldnt have bothered, a FREE 1 kg worth about £9 to £12, the cakes, about £1 to 3. I have told them by e mail and on line chat, I will collect the package today, will not open it and want full refund and they are to cover the return postage. I saw last night the adds on FB still saying FREE 1kg sweets? What are my rights, only thing I can think is, Goods I ordered eg, 4 Kg sweets, although 1 FREE, actually received 3 KG and 1 FREE cake, so on this basis, I purchased goods and received goods not as described. any help or advice, at this moment in time they still have not replied to my request for return

@Emmzzi sorry better late than never. problem sorted more or less. The job position has gone due to restructure, alternative one been given.

ok. After a 1 year unpaid break from work [caring role], returning in months time; Has anyone got any advice or help on the following; Qa] No letter or contact to say job position role is no longer there due to company changes, recent phone contact to tell me, would need to work in another department Qb] No holiday entitlement for 2022 to 2023 due to 2021 to 2022, unpaid time off. are these two questions correct, any advice please

thankyou @unclebulgaria67 at least I understand more now. I wouldnt want theperson to lose any of there money, pointles me claiming it! There is a lot for me to consider in the next few months. If my work goes down the pan, I may just cash in a pension, use that for 4 years, Retire and look after family member , then they dont lose out on there payments, especialy with high fuel bills

oh sorry. I was reading the original question and replies. Hadnt realised I posted in wrong section

Just read through this question. At present I receive carers allowance, which I know My NI is paid, so when I retire in the next 5 years, Ill get state pension. So if at some point I go on UC, as my part time work has ended, They take off the Carers allowance. If this happens; Q - is my NI still paid to wards state pension. Q - I will still be full time carer, so would the UC part also stop Q - state pension is over 150.00 pw now I think, so my Carers allowance would finish, but would I get any help with UC towards caring thanks

Not sure if this right space to post. Am i right in reading and thinking the following; Ok, if you receive carers allowance all £68+ of it. if you are working part time, that is fine, you can earn £132 after deductions. Both need to be entered on Tax forms and noted on working tax credit forms. If you no longer are employed; apply for UC as carer with allowance, possibly £334.91 monthly UC, but the allowance £68 is deducted from this amount. As full time carer doing over 35hrs a week, you will not be required to look for or take on work. NI is paid through the carers allowance. If employment ends, do you still get working tax credits as full time carer with allowance or does this end. Am I right in the above. I know its a mouthfull but need to get all my info and details right before making or having to make applications thanks

thankyou @dx100uk - NI query sorted so am i right in thinking for next 4 years till I retire, If im not working for whatever reason, I recieve the CA and NI paid to go towards state pension. - My C/A isnt taken from the UC or PIP the other person gets. I did speak to the UC department some months ago, they sent a letter explaining this. But if I apply for UC myself they may take it from mine, I think. I have an awful lot of things to sort out. @Badtimes123 Thank you for your help and time. Currently, working for retail store, grocery and non food. Flexible Contract, 5 days of 24 hrs minus breaks. - As I am now a family unpaid, full time carer due to the caring needs of the one I am caring for, Thur, Frid, is not possible and I dont work weekends. - One practical suggestion for me to retain employment, is Mon, Tue, Wed , AM, but only up to 14hrs minus breaks. To do more than this would affect the one I am caring for and lose CA. - Composing letter this week referring to the above, then seeking guidance on this

hy thanks for info. 2 issues, 1 is my employment, application to reduce contract and hrs due to my being full time family carer un paid. I believe there is a govt note of legally being able to put an application for reduction of hrs and contract [they don't legally have to approve it] as long as I dont resign or quit, it will be them who will have to say bye bye or terminate I think, but the caring part should be a good argument rather than me give up just over 10 years service - this part is what I need help and advice on please 2 is about the carers allowance finance which you have touched on Many thanks, have until end of june 2022 to say what I am doing, but I need to get a letter and application form done and sent in in the next week or so