Jump to content


  • Tweets

  • Posts

    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

I owe a lot!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5639 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Lou petitioned for BR herself, which means that the OR has already received all that info via the "Statement of Affairs" the was presented with the petition at court.

 

A telephone interview in a simple self petitioned case normally involves a review of the info already submitted, filling in any gaps or clarifying anything that is unclear, and an informal discussion of the whys and wherefores of how you got there.

 

I'm pretty certain there are no major issues to discuss in this case, so the interview is likely to be quite brief and straight forward. :)

 

A BRO is very unlikely, and any IPA (even if there is one) will only take a % of excess income so is nothing to fear.

 

You were right Fermi - that's exactly what it was like. No IPA, no BRO and everything was so straightforward and the man was really nice. I waffled a bit but I was honest and told him everything he asked. He didn't even mention my Income and Expenditure except to say that an IPA wasn't likely and not a BRO because like you've told me ALL ALONG it's to do with gambling and fraud. Also, if Lloyds allow I can keep my account as it is. I was £6 o/d yesterday for 24hours and I was cacking myself!

 

I can only echo what everyone else has said. You took some brave steps to sort things out the best way you could. That's nothing to be ashamed of or beat yourself up about. But a bit of guilt is natural, and if you didn't feel that then there would be something wrong.

Lots of people feel down after BR. I did at times. But it does get better. :)

 

It does get better I have been terrified but it does get easier.

 

I hope your are feeling better. Keep posting, since everyone wants to know how you get on and help you through any more of the difficult times.

 

I am so glad I met everyone here and got so much support. I am actually looking forward to 2008 a lot more now. I need to go on that diet now. And find my man!

 

Take care...

 

HAPPY NEW YEAR!!!!!!!!!!!!!!

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

BSC No 60

12.12.2007 - 9.54am

**Discharged Friday 12th December 2008**

Link to post
Share on other sites

  • Replies 343
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Lou, and happy new year to you, a piece of advice, the best way to look for a man is to stop looking :D;)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

Link to post
Share on other sites

An update

 

I've always been an outspoken person and I do come across as angry quite a lot. I have learnt to curb my temper a bit since starting my new job - I'm a bit hoity-toity is the word. Mainly with strangers. People I know I tend to step back from and let them talk down to me a little. Not this year.

 

I'm still in my job - dealing with complaints. Yesterday morning was horrendous, the afternoon was fine. All jobs have ups and downs and I have to accept that. I had a one-to-one with my boss this afternoon and my feedback on the whole was very good.

 

On the BR side of things - I feel so much stronger now. I had my OR interview last Friday and this week has been great. I went shopping on Sunday for the first time in ages and it was lovely and had pizza while I was out. My diet was "supposed" to start this week but I have said that I'll get this week out of the way and then do it. One thing at a time. I've had a great week - my favourite TV show returned so I had a nice evening last night. This weekend I am going to chill out and maybe go for a nice drive because I was working last Saturday. I feel a bit different - even going to Tescos today was lovely because I knew I had cash in my purse but I was careful with my spending. I got some nice steak so my mum and I are having a treat tomorrow - I'm cooking and I have a great shift tomorrow - 8-4 so I love that.

 

I'm not saying actually going bankrupt is easy but the afterwards, I mean after the OR interview is a lot better than I thought it would be. This is my year of weight loss, becoming more assertive and love. In that order!

 

Thanks for reading LOL

 

Lou x

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

BSC No 60

12.12.2007 - 9.54am

**Discharged Friday 12th December 2008**

Link to post
Share on other sites

Hi, Lou...

 

Sorry I haven't been round much, but it looks like you are (basically) sorted.

 

Hope you had a nice holiday;)

  • Haha 1

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

Thank you TT - and thank you for all your help and advice - that sounds nice "Lou is sorted" ahhhhhh lovely. Time for a cup of coffee.

 

X

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

BSC No 60

12.12.2007 - 9.54am

**Discharged Friday 12th December 2008**

Link to post
Share on other sites

Thank you TT - and thank you for all your help and advice - that sounds nice "Lou is sorted" ahhhhhh lovely. Time for a cup of coffee.

 

X

 

Lou - look back at your earliest posts - you are a changed girl! (and in such a short time) Congratulations!:p

Link to post
Share on other sites

  • 1 month later...

Helllooooooooooooooooooo

 

Well, it's been a month since I was last here. I've now been BR over two months. I can't believe how quickly it's gone. I don't know about how I'll feel when I need a mortgage or am struggling to pay for a holiday but....BR has been a new start for me.

I no longer shake profusely when the phone rings or the doorbell goes, I get little to no post, my phone is always somoene I know on the other end and basically I don't have a lot to complain about apart from my job, which I hate - but who doesn't really?

I've done the diet thing and lost about half a stone already, I eat better, I sleep better, I am more positive, less moody and am more motivated than I have been in a long time. My new bank account should be open this week. It's the Co-op's fault I applied three weeks ago - I won't go into it again - you can read it on MSE if you want - my username is the same there. It's a case of now speaking to my loved ones and money not being the sole topic of conversation. My best friend phoned me the other day and I was like "erm....what do I say. Not a lot to whinge about darling, it's lovely"

 

As for the above post. I am a changed woman. I feel better in myself. I have a long way to go. I need to be more active because I've been used to staying in and not really taking care of myself but I am getting there and the winter is a prime factor that after work you just want to come home to the warm.

 

Thanks to all the people who've been so nice and gave me advice.

 

I'll update again soon

 

love Lou x

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

BSC No 60

12.12.2007 - 9.54am

**Discharged Friday 12th December 2008**

Link to post
Share on other sites

glad life is ok for you. How do u find things to talk about now when u are not the main issue?

 

Anyway glad things are on the up for you.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

^^^God knows! Hahahahaha - did I sound self-centred? Sorry.

My main conversation was about money! It's refreshing that it's not any more.

I just went for some retail therapy. I've had a rather productive day - it's not like me.

 

Nice change x

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

BSC No 60

12.12.2007 - 9.54am

**Discharged Friday 12th December 2008**

Link to post
Share on other sites

Hello TT! How are you? It is to a point - I have a little list of things to do this year

1. Lose 2-3 stone (it's not loads but it's enough) and get fit

2. Save for a holiday - I'm going hopefully in June but I want to go to America next year - it's a lifelong dream

3. Find a new job - a permanent one

4. Be more motivated - health, looks etc., travel a bit - not stay in and stew!

5. This is a HARD one - find a man - or at least out myself put there and be more confident and hope he finds me!

6. Get my own place - that's something that's not incredibly important to me just yet but I'd love to have my own little house/flat (at my age I should've moved out about 15 years ago, I'm 34 in June) - I have done it but it didn't work out the first time

 

All in good time. Nice to have PLANS! LOL

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

BSC No 60

12.12.2007 - 9.54am

**Discharged Friday 12th December 2008**

Link to post
Share on other sites

Well as we know a todo list is always good. Just cause the things are listed in that order does not mean they have to be done in that order.

 

Mine never are.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Hi Lou

 

Glad to see life is so much better now. Bet you walk more upright now without all that weight on your shoulders.

 

As GM says, its good to have a wish list, just take it one step at a time and all will happen one day.

 

Good luck and pop back soon.

 

Geoff xx

Tip us a wink on my scales if you think I may have helped at all;)

Link to post
Share on other sites

Hi Lou, great to hear things are starting to work out. I am sure you have suffered from the same sort of depression that many of us have on here, without even realising it.

 

You have tackled the biggest issue, you need to draw strength from that and build on it.

 

Keep in touch.

 

Goldlady x

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

  • 9 months later...

Thank you thank you thank you!

I am so over the moon today. It's awesome. I need to tidy this tip of a room before I set off for my night out. I am so looking forward to it. Here's to a year been and gone and a chapter closed. This really will be a MERRY CHRISTMAS!!!!!!! x

Get a life - you only get ONE!

 

http://www.nationaldebtline.co.uk/

http://www.insolvency.gov.uk/

http://www.citizensadvice.org.uk/

http://www.cccs.co.uk/

 

BSC No 60

12.12.2007 - 9.54am

**Discharged Friday 12th December 2008**

Link to post
Share on other sites

Thank you thank you thank you!

I am so over the moon today. It's awesome. I need to tidy this tip of a room before I set off for my night out. I am so looking forward to it. Here's to a year been and gone and a chapter closed. This really will be a MERRY CHRISTMAS!!!!!!! x

 

That is lovely to hear. :)

 

As I have said, that is what keeps me posting. My own situation was obviously different, but the relief and chance for a new start is the same.

[SIZE=2][COLOR=SeaGreen][FONT=Verdana][URL="http://www.nationaldebtline.co.uk/"][/URL][/FONT][/COLOR][/SIZE]

Link to post
Share on other sites

Hiya Lou

 

Great to hear you sound so chirpy again.

Have a fantastic Christmas wont you and dont leave it so long before you pop i again;)

 

All the best.

 

Geoff

Tip us a wink on my scales if you think I may have helped at all;)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...