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maggie

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About maggie

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  1. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. hi all,I am so sorry but I have been trying to help my sons friend sort this.I posted on behalf of my friends son .The firm that took all the benefits money is another story which I will begin another thread for . I completely agree with you bailiff advice on that it should have been sorted at the court stage .I do not know if he filled in any form at the time .He is in his early twenties .He paid so much off the fine then this other firm who were brokers for a loan took 100 pnd from her account and he didn,t even take a loan out but I will post another thread for that one as he reported them to the please and had a crime reference number .The problem began when this firm took the 100 pnd from his account without his permission .They passed his telephone number and details onto other "brokers.tele sales "He was in discussion with his bank on what happened and that it was fruadulently taken but they didn,t want to know as he had stupidly given them his bank card details over the phone .well anyway ,the bank wouldn,t refund him the money ,so he he was unable to pay the fine for 2 weeks and stupidly did not inform the court . He then received a letter form these excel people who he rung and they told him that they would not accept less than £35.00 per week which he told them numerous times he could not afford on his 100 pnd benefit money but they would not listen to him and told him he had to pay it .after the money was taken from his account by the broker firm ,he knew he could not pay the 35 per week ,he struggled to pay the first few weeks by borrowing from friends and family ,but they would lend him no more so he was unable to make the payments to excel he missed 3 weeks payments and Friday morning they were knocking his door just after 6 a.m in the morning his 7 year old child in bed . as stated he wanted the bailiff to wait until he could ring the court that dealt with his fine to try and arrange direct payments with them but this damn bailiff did not want to know ,told him he would have to pay there and then told him that he was being recorded so was the conversation .Told him that he knew how the procedere of the courts were and that they would not re-arrange any payment schedule .he asked if he could pay 100 pound then and the rest in instalments every two weeks to them but the bailiff said no ,he would get a warrant to remove everything if the full payment wasn,t paid that morning .So he rang around friends including myself and my sons and paid the bailiff in full including the atrocious fees the bailiff filled in the controlled goods agreement form .AFTER my sons friend had paid in full .did the bailiff carry out the correct procedure and can we do anything tohelp get some of the fees back ?
  5. I had driving offence just before Christmas 2014,, was fined by magistrates court amount £500.00 .. I am on benefits ,spoke to clerk of the court on phone requesting £20.00 per week on payment card ,, made 3 payments on card , benefits were taken unlawfully from bank account , had no money to feed daughter or pay bills for 2 weeks ,unable to continue to pay off fine on card. I received an enforcement notice from excel civil enforcement dated 18/02/2015 asking me to contact them before the 28.02/2015, ,,i am on benefits ,I am 30 yrs old benefits each week amount to £110.00 per week , I am a single parent . I rang excel on the 26th of February ,,they told me that the minimum I could pay was £35.00 per week ,despite me informing her I could not afford that much , she said I would have to make 12payments of £35.00 and one single payment of £20.00., ,despite my protests and telling her numerous times I could not afford that amount out of my weekly benefit amount of £110.00 per week shewas insistent that they would not accept anything else , I made an arrangement for the amount of £35.00 per week to be direct debited from my bank account . I made a £20.00 payment , ,but before any of the direct debits could be taken ,my benefit money was unlawfully taken from my account which left me with £4.82 p to live on ..in the meantime ,I contacted the police about money being removed from my account , ,they gave me a crime number ,,I was borrowing money from family land friends for basics ,food ,gas and electric ,dinner money for my 8 year old daughter ,this morning ,27 th March ,,excel bailiffs knocked on my door at 6.30 a.m ,,intending to remove goods ,informed me that he was recording and filming all conversations and what was happening . I asked him If I could call the court office when it opened at 9 oclock to tryand arrange a payment and explain the situation of all monies being taken from my account unlawfully also asked the bailiffif he would be prepared to do the same thing arrange payments ,,he said no ,he was there to take the payment in fll ,which amounted to original £470.00plus the compliance fee £55.00 ,plus enforcement fee of £235.00,,. ..told me that if I didn,t pay him the full amount he would get a warrant immediately to remove the goods ,,told him that they were on hp ,he said he would take the only settee I had ,it would be sold for next to nothing and that he would come back for more ,,I tried to make a payment arrangement with him numerous times but he declined each time and stated that only full payment would be accepted he was not prepared to come to any payment arrangement of any kind and that it would be a waste of time ringing the magistrates courts as that they were the ones that had sent him,as he knows what they would say , ,and they woud not be prepared to come to any arrangement as they would only tell me exactly what he had told me i.e. payment in full as he knows how they work .I asked my friend over the phone to pay £301 on his debit card ,I had to pay £100.00 out of my rent money ,then contacted my father over phone who said he would pay the remaining amount £360.00, ,I asked him if he could go to my fathers to fetchthe 360 ,then wait until 9 a.m.for me to contact the court office to speak to them and try to make other payment arrangments and after he picked the money up from my father he could cme back to me to find out what the court had said ,but he said no ,as his vehicle was tracked ..I had to telephone my friend again ,who was in work ,who offered a part payment of £300.00 and then would he come to an arrangement with my self to pay the remaining balance in instalments I could afford ,but the bailiff said a firm no !!..payment mustbe made in full today. .Now I have no money for rent ,for food ,for gas for electric etc;; ..despite me informing the bailiff , I have his name ,of my situation and that my 8 year old daughter was upstairs who would go hungry and cold ..after payments were made by my friend and father ,,he then wroteout on a form a controlled goods agreements ,,Ido not understand why he handed methis controlledgoods form and made me sign it after thedebt had been paid in full ,I am destitute ..please help
  6. Hi sarahnicho,, I am so sorry that I haven,t been able to reply to your thread much earlier , I have been really unwell these past months ,to and fro hospital but I have today,,checked all my e-mails which has taken me quite a time , and saw the reply to my thread sent by cag... No ,it wasn,t a hard slog to get them to reimburse me the ppi , ,as I already had info on them from my credit file with Equifax.. We also incurred lots of charges from these loans , I intend to pursue them as well ,with the help of these marvellous people on here. Once again , I am so sorry that I was unable to reply to your question until now . Maggie
  7. It was added to the start of the loan as a single payment ,as the loan was over 6 months .The repayments were deferred for 1 year,it was for furniture.
  8. please can you help .I am not very computer illiterate and would like some help on calculating how much ppi refund I should receive from a single premium of £70.76 being added to a loan in 2003
  9. On the loan they say we did not take the ppi out ,I distinctly remember we did . They have sent me in their words a deletion statement for the agreement . on this statement are lots of abbreviations ...n...and ptp add ...and lots of others , ,and they also ask me to provide dates and times of telephone calls as this would help them search their database .On a loan ,,if ppi were taken out ,what abbreviation would it show on the info they have sent me also a ppi was taken out in 2003 a single payment of on top of credit. I have no idea on how to work out the amount owed or fill in spreadsheets . so please can you help me as I don,t want to be "cheated" on what they really owe me . Thanks Maggie
  10. d.p.a. they say I asked for data under the data protection act ,,,the letter I sent them was for a subject access request ,,are they both the same thing ?
  11. Hi dx ,, I received a reply to my sar I am a little perplexed as I sent a sar request ,in accordance with the data protection act, sent me copies of the agreements . Strangely they are arguing that I did not take ppi out on one of the loans from 1994 when I first contacted them ,but they have sent me transcripts from it with all these shortened letters which mean something to them but not me . Also ,from reading the news,they have shortchanged me from the payment I accepted on the first loan as they have they have printed the magic words in the original offer i.e £9 in every £100 of net monthly repayment as ruled by the f.s.a. and mention the redress, I accepted the offer before the news broke out that they are one of the banks that are holding back on the proper repayment . please can someone advise me is an s.a.r. the same as a d.a.p. ,, and I am certain that they shortchanged me on the ppi repayment . Pls can you advise on what letter I can write back to them . Thanks Maggie
  12. Hi Dx,S.A.R ready to send by recorded delivery tomorrow morning .Will keep you updated .Thanks Maggie
  13. Thanks dx ..I will send this off today but at the least tomorrow .thank you very much for your help Maggie
  14. Do I send a full subject access request to Black horse as they have given me reference to a loan I did not remember we had from the breakdown letter I received ,also ,we took ppi out with them from furniture we purchased ?
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