London1971
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Everything posted by London1971
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Quite possibly PPI, The CCJ is done and dusted, not expecting to get out of that, but as you say it might make a good sum to offset.
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Last payment made April '12, CCJ issued Jan '17. No chance of SB there
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November 2004
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Hits all, I have a CCJ issued in January last year for a Capital One Credit card via Cabot / Shoosmiths. The Balance is around £1200 and I am paying it off at £50ppm. Unfortunately I hadn't found this site back then and didn't defend it. I don't have a problem paying the £50ppm I recently found some original capital one statements, it would seem that there might be some unfair charges. If I SAR Capital One and find this to be the case can I make a claim directly to Capital One for these charges, despite the balance been sold off and CCJ'd?
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Yes. Perhaps find a good employment law solicitor, some of them will give an initial free consultation! As for the phonecalls, I am a guy, and was stalked by my ex wife for a time, many years ago. Hundreds of phone calls, messages, trying to call my work and get me sacked. Frankly it was terrifying! Back in 2000, this was not a criminal offence, so i had to sit and take it. If this was happening to me now in 2017 I wouldn't hesitate to report it to the police.
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Drunken phone calls at the weekend? Asking you out for a drink? wow!! And the director is OK with this? And I agree with Erics brother, this would not be happening if you were a man. I know this has happened at the company where I work, and it was reported to HR, the perpetrator (senior manager) was sacked. Do you have an HR person / department with a complaints procedure? Everything else is bad, but The phone calls, really take this over the edge https://www.gov.uk/report-stalker The guy is stalking you and it's a crime, report it to the police.
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Hi Roy, Write to them explaining that you were in hospital with Cancer and was therefore unable to fill in the relevant forms. Get a note explaining this from your consultant or GP and send them a copy. Explain that under the Tax Credits own code of practice COP 26 you would like the over payment cancelled. For your own reference here is the extract from the COP 26 most relevant to you. I would say a cancer diagnosis is an exceptional circumstance. If you need to discuss financial hardship with us, phone us to explain this. When you phone we may ask you about any family circumstances that may lead to extra living costs. For example, if you’re looking after someone who is chronically ill or disabled. In some exceptional circumstances, we may cancel an overpayment altogether Here is the link to COP 26 for your own reference https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/602141/COP26_12_16.pdf
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Right, Email and call your local elected councillor immediately, and your elected local head of council. All Emails / mobiles should be available on a Google search. Explain the situation to them, exactly the way you have explained it here ! These are the people most likely to be able to fix this rapidly. Talking to anyone at the council Tax Call centre is utterly pointless. -
Hi, The DCA are totally irrelevant here, just ignore them. If there is any payment arrangement to be made here, it should be discussed with HMRC. Have you looked up the COP 26. This is the HMRC 's own code of practice, look at page 15! Just Google Tax Credits COP 26, it's on GOV.UK. On my SAR, it turned out Tax Credits had my salary as £6000 per year higher, and had lied about a phone call. Perhaps this will give you a clue as what to look for. In fact read through the whole of COP 26, there are a whole host of mitigating factors that can be used in an appeal. For example if your joint claiming partner has left, chronic illness, mental illness etc. My overpayment was massive compared with yours and the Tax Credit's were talking about me paying £50 per month, so I am sure your fears of £80 per month are just fearmongering from the powerless DCA. You can always attempt to make another claim for Tax Credits too, if that is successful they will stop trying to collect and start deducting from your award, even if it's only £20 per month!
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Lowell Back Door shop direct CAT debt CCJ Question
London1971 replied to London1971's topic in Mail order catalogues
Right, So certainly don't want Bailiff fees added and the family car confiscated. Worst case scenario just keep paying monthly. Best case, lets see what unlawful and unfair charges the SAR to the OC reveals. Then perhaps go for a set aside or a reduced plan. -
Lowell Back Door shop direct CAT debt CCJ Question
London1971 replied to London1971's topic in Mail order catalogues
That is interesting, We don't own a property yet, so no charging orders, my wife who the CCJ 's name is in is Self Employed, so no AOE's either. Are Bailiffs the only real option for them to recover money if we don't pay? -
Lowell Back Door shop direct CAT debt CCJ Question
London1971 replied to London1971's topic in Mail order catalogues
I set up a £50 per month arrangement with Lowell to keep the bailiffs from the door. I will write to them with the proof that I have, -
Lowell Back Door shop direct CAT debt CCJ Question
London1971 replied to London1971's topic in Mail order catalogues
Lowell backdoor CCJ'd me even though they knew my current address. I have written proof of this in the form of letters they were sending me regarding another debt at the time. I was intending to go for a set aside with unfair charges (if there were any) as my defence, hence the SAR. I don't have a problem paying, monthly a reasonable amount, so will make an arrangement with them. -
Lowell Back Door shop direct CAT debt CCJ Question
London1971 replied to London1971's topic in Mail order catalogues
Hi I'm still waiting for my SAR to come back from Shop Direct on this. However I have now received a letter from Lowell Solicitors, that they will issue a warrant of control if I don't make a payment arrangement within 10 days. I'm assuming because this is a CCJ, I've got no choice here? -
Just with a view to following up what is happening with your appeal. In my experience it was delayed for weeks. Do not discuss repayments with them!
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Tax Credit COP 26 (their code of practice) page 15. If you can’t pay for your essential living expenses such as your rent, gas or electricity and: • you’re paying back an overpayment directly • we’ve asked you to pay back an overpayment phone the Payment Helpline on 0345 302 1429. We’ll ask you about your circumstances in more detail. Those are the people you should be dealing with, if your appeal fails and you need to pay back, not some low life DCA.
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Nope, It means nothing of the sort. HMRC will let you know either way, and if it fails, HMRC are the people you talk to in order to make an affordable arrangement.
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Ignore them.
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Has this debt collection agency acted unlawfully?
London1971 replied to Pipps's topic in Debt Collection Agencies
Find yourself a good Broker, who specialises in adverse and I think you will be pleasantly surprised. -
I have UK debts and want to apply for another visa
London1971 replied to Fazm's topic in Visas/Entry Clearance
Hi, To re assure you My wife had to go through the full immigration to the UK process several years back in order to gain indefinite leave to remain. I can assure you, the issue of our then joint (substantial) UK debt did not ever come up, even during the fairly tough interview we had to go through at Croydon ! -
I have a mortgage offer, in my hand right now, and we have 3 CCJ's and a couple of defaults between us. Sure we will be paying around £150 per month more than a standard non adverse mortgage but it's still saving us £450 a month of flushing money down the toilet rent. In a few years once our credit history is clear we will be able to re mortgage with a cheaper mainstream lender. From what I have learnt, the age of the CCJ counts for a huge amount. For example my wife has one from 2012 that is unsatisfied, and was told this would make zero difference. We had far more of a problem with the January '16 issued one, that we had Satisfied ! A broker specialising in adverse mortgages might be a better idea for your son, as it may not make any difference if he pays it off or not !
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Take it to the elected head of your council, and local elected councillor's. If you can get all the proof to show them, that is. Their details should be available phone / email on the web.
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Pay particular attention to the income that they say you earned, and the income that you actually earned, also phone calls that they claim happened, that never actually did. On my SAR I found that there was a made up phone call, giving an inflated Salary figure. You can then move on to the appeal Process. It's also worth taking a read of the Tax Credits COP 26, available on Gov.uk.
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Walker Love Huge CTAX Debt
London1971 replied to superjoe19's topic in Dealing with Debt in Scotland
Excellent news !! -
Other possiblities? As others have said selling your house shouldn't even enter your head but, There are mortgage companies who would consider you in term of remortgaging, it might be worth finding a good adverse broker. I'm assuming you have SA302's that you can declare? Sure the interest rates might be higher, but in the scheme of things £100 per month extra on your mortgage could be manageable for you? You could always remortgage back to a mainstream lender after a few years. Or, and this is a hard pill to swallow after owning your own business, Enter full time employment, after 6 months , once you have past your probationary period you might be in a better position to remortgage with the Halifax,
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