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Everything posted by postmn

  1. The problem is what choice is there 1 Labour - Who's going to pay for it all , the countries still paying for the last labout goverment . Since he has apprently got ther SNP on board what has he promised them . And where do they stand on brexit still cannot decide. 2 Lib Dem Well drop the democrat from thier name since they want to ignore a democratic vote I think most people voted in that it would settle on some wher ein between the two extremes , however it seems that was impossible since you have extrmists on both sides of the debate and then you have parliment that has really covered itself in glory , they cannot decide on any thing . you have a speaker that is not impartial . Then on to the EU all they want is to protect the single market and all thier rules , also to punish a country to god forbide want to leave the EU. So noone comes out of this smelling of roses
  2. which is why I believe we should have proportional voting ,because at the moment you have a lot of voters who wont vote because they support a different party to the majority in the ward . Think back to when UKIP won a lot of votes but not one seat . To me that is totally wrong
  3. Well in my place of work which ever way people voted we are all totally disgusted with the MP's but not all of them. some of them do do a very good job for their constituents . they are the ones that will suffer the backlash unlike the ones who who could only say what they didn't want not what they wanted , I can see if a election comes and some of them loosing their seats then magically someone in a safe seat gets elevated to the house of lords . Also lets assume we decided to stay the atmosphere would be poisonous between us and the EU and not with standing you would of put a sticky plaster on something that would blow up one day
  4. I not being scrooge or anything your granddaughter and boyfriend if they have any income they should be paying a proportion of it to you , I mean think of the the other bills electric gas water food do either pay anything to the upkeep of the house
  5. have you allowed for emergencies in your I & E its better to offer £15 than £30 if that really puts you on the edge
  6. no you also send them a letter saying contact only via mail and they have to respect that no you are giving them a nominal amount while you try to organize your finances when you have finished your income and expenditure then you offer them a a mount each month and that's all they get , national deby helpline has a good I & E I have used that quite a lot it does all your calculations for you , also its in the format thay everyone has agreed to . As to the phone calls when I went for the 3 months I paid the first £1 a month while the letter were in the post , all this shows is you are not running away from your debts but need time to sort something out . On another note is there a relative that could possibly lend you a lump sum to make a full and final settlement , so creditors will go for that I had two that settled the rest are on £1 a month at the moment
  7. you didn't mention whether your wages are paid into a account controlled by one of your creditors , if it is open a parachute account or they could use the money to offset against their debt . I would offer them all one a month for 3 months saying you are trying to organise your finances and make a income and expense to see what money you have left over and then divide it pro rota against your creditors , also ask for a freeze on interest and charges
  8. well done for taking the first step , one of the problems is finding what works for you . How I did it was I use losegnzes alongside cigarette but gratly reduced and then I found after a few weeks I stopped with the cigerettes and then you try to get off the lozegnes . however sinc eyou are vaping you are still smoking so not gaining anything by vaping . Have you had a word with your GP or looks for the NHS stop smoking clinic near you I now your housebound but maybe your GP could help good luck
  9. never call always write so you have a paper trial. they can issue a default because even though you are in a payment plan you are not paying the higher amount you are contracted for . also I have gone though this as well they do seem to be issueing defaults now on the 3rd month or they did on all of mine
  10. I had one of these I think a while back , but I had already cleared the account so got a nice check for a couple of hundred quid
  11. actually I would not say its a ethical thing , what about merit and that's as far as I will go with this
  12. someone has too much time on their hands
  13. ok here we go again . timothy evans was pardoned because he was convicted of the wrong murder , he waqs convicted of his babies murder which Christy did do , howver the inquirely made a conclusion that evans probably killed the wife , but since he cannot have a fair trial he was pardoned. Derek Bently was convicted under the joint enterprise law which meant that if you went out to rob someone with someone else and they shot and killed someone you could be held equally quilty . funnily in the 1930's there was a very similar case and both were hanged hanratty was confirmed as the killer through dna evidence that obviously was not available at the time . if people want to form a really good opion I would ask that tier read the biography of albert Pierrepoint since he came to some very interesting conclusions . finally you should not be in the situation where people are held for decades under the death sentence as for wether I am for or against it I must admit I use to be against it but now I am edging towards pro death penalty
  14. well thought I would give a update I have returned to limited duties at the beginning of the month and I am slowly working my way up to a full shift while waiting for occupational health . so fingers crossed its going well at the moment
  15. can you amend your feedback in ebay to say after 6 months it cracked also about their lack of action over your complaint . but keep it factual
  16. I would say not a lot since any compensation you would get would have 6 years use deducted from it as a starting point
  17. If they have defaulted that means your credit file will be marked for 6 years , however have you sat down and done a I & E form that you can get to see how much you can afford to pay them after all your priority expenses . Have they frozen interest and charges if not why not I had the problem with them so the amount of money I paid then went straight down to £1 a month to until they refunded all the charges and froze all subsequent interest. As for anyone turning up on your doorstep it wont happen , if Barclaycard sells the debt on you will get letters from a DCA probably offering you a discount that would probably be the time I would ask for a CCA to see whether they can supply it . but long time
  18. you by your own admission are living beyond your means . The sooner you get it sorted the less painful it will be . Parachute account is the account that is not connected to any of your creditors and you have all your income paid into that , you then make a I & E form and then offer a pro rata payment to each of your creditors.
  19. ok there is two ways your credit file can be marked AP or default its actually beter to have the default because it drops off after 6 years however with AP they can continue to mark it so you will never get rid of it with out a fight . A the moment if anyone has not frozen interest and charges after you asked for help drop them down to £1 a month and write to them again inclosing a I & E and if they do not freeze charges then just pay them a £1 a month. As for you clearing the ones that have not defaulted its up to you but your credit file has already been marked by them so you would be throwing money away . I was in the same position as you and I told the relative to save their money the files already trashed for 6 years
  20. does not matter if you clear them now the defaults will stay for 6 years . I would do yourself a income and expenditure sheet and make a offer after doing all your prioirity debts and that's what you pay them But only if they freeze all interest and charges otherwise just pay them £1 a month
  21. only thing I could see is taking him to court then get a CCJ and up it to hceo and see how much they can get off him for you . One thing is you did not specifiy what the loan amout was for and whether he has any assets you can go after
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