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Everything posted by Dizaster

  1. Yes I have a copy, it has my brothers name on the council tax, tv license & water bill and my name is on the tenancy & gas and electric bill. She has a tenancy agreement for her YMCA place so hopefully that should prove she doesn’t live here. Are they likely to come back today? I want to go out but I feel like I can’t, have been watching the CCTV all day to see if he comes back
  2. I’m 100% sure it’s a criminal fine, it’s on one of the letters they sent here for her, which is forwarded to her and she obviously lied when she said she sorted it out. are you saying I should let them in? Could they seize stuff even if I show them proof she doesn’t own anything? Sorry for all the questions, It’s pretty alarming to learn these people can just come in my home and take what they want
  3. Thank you, I didn’t think of that. I gave them a call since I can’t get a hold of my sister. They told me to call back in a bit when the support workers are there. The bailiff said he will be back today 10-12. Is there anything I can do if he does turn up again? Shall I let him in or let him break in? He doesn’t seem very nice and I was very polite and decent with him so I doubt he will listen, I told him she doesn’t live with me and she lives at the YMCA. He said it doesn’t matter. If my sister can’t or won’t pay, which is extremely likely with the amount it is (£450 I think) We can’t afford to help her as already borrowing to get by and having my own problems with money. Can they still take stuff? Almost all of the valuables in the house were bought in December so I have a lot of receipts for things and nothing is in her name at all if that helps.
  4. Hi, wondering if you could help. My sister has an unpaid fine and doesn’t live with me, she lives at the YMCA. She is a drug addict and almost homeless so debts are the last thing on her mind. Anyway, just half an hour ago I had this really worked up intense Marstons bailif at my door, I told him she doesn’t live here. I said she stayed here at Christmas and apparently that’s enough for them. I know they can’t remove any goods that are not my sisters, she doesn’t have anything here and everything I have here I have receipts for. I’d like to know their legal powers when it comes to something like this. Can they break into my house? And how do I prove she doesn’t live here? I don’t have any official documents that list the residents here. I have a 4 bed house and each bedroom is occupied by one of my siblings, but the one that the debt is for has never lived with us just stayed briefly over Christmas, I guess she gave our address to someone without permission? Any help would be appreciated since the guy said he will be back, I have had my own debt problems in the past and this is my nightmare scenario even though I became debt free finally for the first time since I turned 18 in December last year & now this!
  5. thanks for your answer. I was think because she has always lived with me since she was born and I pretty much raised her with my other brother and sister, there won't be any problems. hopefully me not having a job won't get in the way.
  6. does anyone have any information regarding guardianship of my sister? I'd want to take on guardianship and claim the benefits of its possible so we can pay the rent. any a doc would be great, Google is very confusing
  7. thank you a lot for your reply, I'm going to look more into it tomorrow thanks again
  8. thanks. she died in hospital, totally unexpected and its down to lack of care, negligence and misdiagnosis
  9. yes, all the people in this house have always lived together as a family since we were born, I moved out a year ago for five days but that went wrong! but yeah I believe it's all above board because until I lost my job two weeks ago I was paying towards the rent and council tax and bills and so was my brother and sister
  10. hi guys, I wanted a bit of advice. sadly my mum passed away suddenly today. I'm really worried about bills, debts and the housing situation. basically my mum is 55, currently supposed to be working full time but has been on SSP since June last year. it just ended, she also gets tax credits and child benefit. we have a sky subscription, my mobile phone with EE is in her name, gas and electric bills and council tax are also in her name. we live in a 4 bed house that I'm sure is with a housing association. my dad passed away a while ago, so it's just me and my siblings left. my sister who is 13, my sister who is 23, I'm 24 and brother who is 25. he works full time, minimum wage. my sister who does an apprenticeship and I recently lost my job. she only died today, apparently all the bills are up to date for a month and she has a few debts. I was wondering what I do now? she's not well off or has loads of assets can I change all the benefits and bills to my name and take legal guardian ship of my sister? I'd apreciate a little guidance, thank you
  11. Dizaster

    Payable orders?

    Has anyone ever heard of this?
  12. Dizaster

    Payable orders?

    Has anyone ever hearing this? Hello?
  13. Dizaster

    Payable orders?

    Hi, I applied for a P60 refund (after stopping working) and they said I am entitled to a refund. On the 5th the payment was issued, I nominated it to be paid into my mothers account. I have spoken to the HMRC 4 times since, 1 guy said it was sent to me via cheque. One guy said it's being paid straight into the account and two guys said that the "payable order" was sent to the bank to be deposited. I'm confused as I can't find anything online about how they pay it and being told different things on the phone by them is making it worse! I just need to know if they are telling me fibs? How long does it normally take for it to be paid?
  14. Theft is theft, someone taking someone else's property without their permission is theft. Why would you edit my post?
  15. Yes I've been on the phone to my stupid bank (which I'm going to leave after all this) and they told me I have to wait untill the money had actually left my account. I'm planning to go into the branch tommorow to demand my money and if I don't get it I'm just going to kick off. I've just read online that your bank MUST remove the CPA once requested, I did so back I about 2 months ago when I had a call from the fraud dept. regarding PDE trying to [EDIT] money from my account. I told HSBC that the payments were fraudulent as I hadn't given my permission and that HSBC must remove the CPA, I even had a new card. If HSBC would have done what I requested in the first place this money wouldnt have been taken. What makes it worse I tried calling PDE and they told me I'll get a call back and when that didn't happen I called back an this chav was giving me **** about the office being closed at 12:45 and hung up on me. Has ANYONE had ANY luck on getting money back from the bank that had been taken by PDL companies? The forum doesn't come up with much as most thread titles just say help Thanks for any responses
  16. Its been a while since I posted and PDE are still being a nightmare. First they jut ignored my emails never emailed back, then they actually blocked my email Address from emailing them as I kept getting postmaster. Replys, then this morning to my horror my bank account is empty! I have been trying to contact these people to arrange a payment plan for a long time, they know of my finincial situation and they still took the money. They took my last £200 which I desperately need as I've just had an operation and need to buy prescriptions at least 3 or 4 times a week and need to travel to the hospital and doctors everyday for the next four weeks! Also, some of the money was for my phone bill, credit card and QuickQuid payment. I had already requested my bank to remove the CPA months ago when they tried to [EDIT] my money and they didn't and now the bank are telling me to wait unroll The money is gone out of my account before they can do anything about it. I called PDE and asked to speak to a manager and they told Me he would call back. They hey never did so 45 mins later I called them back and they guy hung up on me! So I then called back and they told me there is no one in the office and it's now closed and hung up on me again. Does anyone have any experience in getting their money back? What do I do? I'm so upset it's just gone payday and I have nothing for 4 weeks
  17. I think it's strange how quickly they've (NDR & MHS) responded to emails I send to SC, they say they passed the message. And the NDR & MHS websites are almost identical. I have also received an email from the OFT.
  18. I have included them in the complaint about SpeedCredit as they are obviously one company
  19. Sorry about the format I'm using an iPhone and it doesn't let you do anything apart from post. SC have said they are sending me a pack in the post wheni asked for thier formal complaints procedure as I intend on making a complaint to the FOS, let's see if that actually turns up!
  20. 10/07/12 12:33 Dear Anon, Thank you for your message. We are willing to accept £35 per month for a period of 3 months starting from July 27.07.12, after 3 months we will need to review and you will have to increase you offer. Please confirm if you wish for us to take the payment automatically from your card ending with ****5650? Yours Faithfully samanthaconner Door Collections Marshall Hoares Bailiffs Then I get this... 10/07/12 16.04 Dear Anon, Thank you for your message. A letter pack will be sent to your address. The quickest way to pay is directly via out website. Our website is http://www.marshallhoares.com Our bank account details are as follows: Account number – ******** Sort code – **-**-** Ref: either your mobile number or loan ID number (********* or *********) Please note if you decide to transfer money into our bank account, you need to allow 5 business day for the money to clear and for it to be logged onto your file. Yours Faithfully samanthaconner Door Collections I think it's strange that they say it takes 5 days for the payment, even though they are instant. It's like they want the payment to be "late" so they can take me off the plan and add more charges. I get this email next... Dear Anon, Thank you for your message. You will incur an interest charge and a miss payment fee on the 23.07.12 as you will only pay on the 27.07.12, so your total outstanding balance by then will be £615. ^^^^(2) We have schedule a payment for the 03.08.12 for the amount of £615 so you will not incur any other interest or charges and it gives the necessary time for the money to be logged on to your file. Yours Faithfully samanthaconner Door Collections Marshall Hoares Bailiffs (2) yet another way they have found to add more charges (1) have you noticed the name looks strange? I had one email and where the name is supposed to be it said [stagename] looks like they are using fake names. It gets more strange .... 10/07/12 17:13 Dear Anon, Thank you for your message. We have amended the schedule payment. We have schedule a payment for the 03.08.12 for the amount of £581 so you will not incur any other interest or charges and it gives the necessary time for the money to be logged on to your file. Then I get this from NDR!... 10/07/12 17:31 Dear Anon I am writing to confirm your conversation with our agents / debt collection agencies regarding your Speed Credit Pay Day Loan* and your agreement to pay: 03.08.12 - £581 This agreement has been noted on your permanent file. PLEASE NOTE: If YOU fail to HONOUR this agreement, and pay as agreed, our systems will AUTOMATICALLY take the following actions: 1. FULL fees and charges will be added to your account. 2. Full interest will be added retrospectively. 3. An application will be made to the courts for a County Court Judgement to be registered against your name, an application will then be made for a Warrant of Execution to either seize goods and/or obtain an attachment of earnings / benefits. Bailiffs may be instructed. This should be taken seriously. It is ESSENTIAL you honour the agreement you made Yours sincerely, DEBT MANAGER - Greg Campbell (108) NORTHERN DEBT RECOVERY Obviously confused by this as we had just previously set up a plan, I send them a message to that effect and get this reply... 10/07/12 18:09 Dear Anon, Thank you for your message. You are in an active repayment plan. Your payment is on the 03.08.12 for the amount of £581. Yours Faithfully samanthaconner Door Collections Marshall Hoares Bailiffs After sending a long message blah blah OFT blah blah I get this... 11/07/12 09:50 Dear Anon, Thank you for your message. We have amended your repayment plan as you requested. Your first payment is on the 27.07.12 for the amount of £35. Please be aware that after 3 months you will have to contact us and increase your offer. Yours Faithfully samanthaconner Door Collections Marshall Hoares Bailiffs You think that would be it, then I get this ... 11/07/12 15:19 Dear Anon, Thank you for emailing us. Payment Plans It is always advisable to stay in contact with your creditors to avoid additional penalty charges. Loans are meant to be repaid in full at the end of the initial loan term. This is made very clear in the terms and conditions you agreed to when you took out the loan. We cannot accept a payment plan. Please confirm when you will be making FULL PAYMENT to close your file. Please note payment of GBP 581 needs to be made by 23.07.12 to stop this file being passed to third party Recovery Agents and further fees being added. however...... you can rollover / extend your loan by just paying the interest on day 28 of your loan. You will receive an email explaining this when you are eligible Yours sincerely, COLLECTIO NS NORTHERN DEBT RECOVERY 0843 381 0843 What do you guys make of that?
  21. SpeedCredit is the worst company I've ever had the pleasure to converse with. They are constantly calling me every day dispute me sending the don't call letter and many of my own on soapy occasions. They refuse to let me set up a payment plan, they actually accepted a £35 a month plan, as I thought it would stop them turning up on my door step and calling me. But then I sent NDR an email requesting them to stop calling me since it breaks the OFT Guidlines (which I have been reading and is interesting how many rules this company and they are still operating) and I have set up a plan do I don't see why I'm still getting calls, 8 so far today. I then get an email back demanding the £581! This is a joke, I emailed them and told them to take me to court as I'm fed up with the way I'm treated. Because I'm not going to lock myself into a payment plan for a year when they won't stop calling me and their charges are just extortionate. Paydayexpress are still calling and texting on a daily basis, I have sent them many emails but they have chosen to ignore them. QuickQuid are also being difficult, I sent an email regarding a payment plan last week, but it seems they are ignoring me too. PaydayUk have frozen all charges and calls and have agreed to £15 a month plan. It turns out it wasn't them calling most of those times from before, I suspect it was SpeedCredit. I have already sent complaints to the OFT regarding SpeedCredit. ADoes anyone have any advise regarding speedcredit? They keep sending an email Stating they are dispatching ground units (LOL) and theta more charges are going to be added. And what about the OFT? What will happen next?
  22. Ah I didn't see that one, I have seen a lot of people saying the same as me. These people need to be shut down! I'm sure if we all put our complaints in they will be investigated I can't belive how blazè they are knowing why they are doing is breaking all the rules.
  23. I just found out that ToothFairy/speedcredit are the same company as NDR! And that they have been investigated in the past for thier charges and practises, there is even rules to which they have to obide by otherwise they face an £50,000 fine and could be stripped of thier consumer credit licence. .http://blogs.mirror.co.uk/investigations/2011/09/this-wont-hurt-a-bit-says-payd.html I can't believe noone pointed this out before, this changes everything! I have sent them a very nice and long email and hope we can come to some arrangement. QuickQuid and PaydayExpress are still being *ssh*les
  24. You have still not contacted us regarding your outstanding debt with our client Speed Credit in respect of your Speed Credit Pay Day Loan*. Please note that: - all evidence and correspondence will shortly be sent to Solicitors and a case file prepared to be presented to the County Court for Judgement - expect Recovery Agents to visit all addresses we have on file for you. - your file is also with Bailiffs who will be pursuing this in conjunction with Solicitors. We recommend you call immediately as we may be able to freeze any imminent activity on your file and come to a suitable arrangement with you. You currently owe: Loan and Interest GBP196 Cash Transmission Fee GBP 5 Missed Payment Fee 1 (day 29) GBP 10 NDR Accept Case File GBP 200Missed Payment Fee 2 (day 43) GBP 10 Solicitors - Case Preparation GBP 150 Repayments todate GBP24 Total GBP 547 You will be liable for the full amount and further Court fees if you do not contact us immediately on 0843 381 0843. Yours sincerely,
  25. Ok thanks I'm filing that in now. What happens next? How do I prevent these sharks from turning up at my door?
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