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    • to frighten and intimidate you most probably. don't engage.   have you done your WS yet? needs doing in the next 7days    
    • I just got the same response from Hermes below. What would you advise I do next?    "I am sorry you have had to contact us regarding the delivery of your parcel.    I have looked into your concerns and understand that as as you selected the maximum compensation level of £300 Hermes cannot exceed this amount as per your contract.   So that we can process this as quickly as possible for you, we kindly request that you send us some details:   - your bank sort code - your bank account number (the short one, not the long card number) - your name as it appears on your bank card   Once we have received the above information, we will send you a further email once the payment has been processed. This can take up to 5 working days to reach you   Please accept my apologies for the frustration this has caused you.       If you require any further assistance, please don’t hesitate to contact us."  
    • Hi had a call today and the number is associated with Moneyboat why would they be calling this close to the court hearing? Any ideas welcomed    Thanks G
    • Hello   In my view  a self imposed bankruptcy is not necessary.   Your friend just has to accept the situation he is in and set things up to deal with it.   I think that by following a plan off filing everything, saying nothing and letting the Creditors do all the work he will come out of it in the end.   He may need to get his girlfriend on board but once he understands what these creditors can (and cannot do) it may well become less of a worry and more of a sport!   In post #8 you asked for the stages of collection so based on my experience since 2006 I will give you the various stages and make some other comments:   You fail to meet a payment date:- the creditor writes a reminder letter You ignore the letter, they send another letter and possibly emails, SMS and phone calls, all of which are ignored. The cycle continues for a period of time with a number of letters arriving from the creditor. Sometimes the case will be handed off to a Debt collector for a time which is nothing more than a company set up to make phone calls and write automatic letters. They have no power and can be ignored. At some point the creditor will issue a Default notice. This is legally important to the Creditor (but not necessarily important to your friend as it is required by the consumer credit act before any other action is taken. It will give a date by which you must do something usually to pay the arrears. If you don’t pay the arrears then you are in Default and they can go to the next stage. After a period of some months account closure usually follows. It is unlikely the Creditor will take legal action. After a period of time where you continue to get periodic letters and communications from various debt collectors the debt is sold typically for 10p to 15p in the £ to a Debt buyer. This might take six months or as much as a couple of years. You receive a “goodbye” letter from the creditor which says it has sold the debt to the buyer. You receive a “hullo” letter from the debt buyer which tells you that I now owns the debt. Sometimes the above two are in the same envelope.   The debt buyer will start out very friendly but will then get more aggressive. Even at this stage it is best to ignore them. They will sometimes offer you an amount less than the full value to get a quick profit from their purchase. You might want to take advantage of it but I take the view that if they had a strong case to get everything why would they settle for less? They know they have a weak claim when you get this kind of letter. At some point they will do an assessment on you to decide if it is worth taking court action. The bigger the debt the more likely it is, also if you are seen to have assets such as a property or shares. They will start by instructing a solicitor to send a Letter Before Action. This states what they think you owe them and gives you a set amount of time to pay it or respond with payment proposals. It may be wise to respond at this point but best to refer it to this forum for proper advice on what to do. After you fail to respond to the above they will pay a court fee and issue a County court Claim. You will receive a claim pack from the court with a number of sheets of paper; the claim itself, an acknowledgment of service, a defence form. The claim is usually created on line with the solicitor typing in the details. The Court then automatically prints and sends the claim pack. As a result it will not have any supporting documents such as original agreements, statements or anything else. IMPORTANT: this is the first document you absolutely must respond to. First thing to do is find the paper that says acknowledgment of service and send it back. This gives you 28 days to respond instead of 14. If you don't do this or immediately defend then after 14 days you will automatically loose. After this you are into the world of defending the claim which is usually very defend-able as the Solicitor has in all likelihood not provided you with any documents. This is because neither he nor his client have any and they will have to go back to the original lender to get any and very likely they will not get them. (In my own experience I helped a friend by writing to ten creditors asking for copies of the original agreement and not one came up with anything). It is possible you could loose the case in which case you still owe the money and are not much worse of than before because the creditor still has to collect it and without assets it will take a long time to pay off.   Overall, though I don’t think it is a great idea to be in debt, given the extent to which your friend is buried my advice is to consider the old adage “If you owe a tenner it is your problem, if you owe Ten thousand it is their problem”.   To that extent I would follow this plan:   Save all correspondence including the envelopes they arrived in. Do it in chronological order and have separate folders for each debt. As a rule, ignore everything unless it comes from a solicitor or the Court. I cannot stress this enough. Be a black hole into which letters, emails, texts and phone calls disappear, never to be answered, replied to or spoken to in any way. Some people just cannot shut up! Make sure your friend does! The exception is if your friend changes address in which case write to every creditor (or debt buyer that has bought the debt) and advise of change of address WITHOUT signing the letter as such, just type the name at the bottom.   (This is so they don't send court documents to the old address). In most if not all cases that will be it. Just keep filing until six years have passed or five in Scotland. This is because after that time the debt becomes statute barred and the courts will not consider it as it has become too old. (The statue barred date begins 14 days after the date of the Default notice mentioned above and six years after that it is all over for court action). In one or two cases a Court Claim may be made in which case defend it which is a whole other ball game but basically ask them for proof of the debt which they very likely cannot provide, if they can provide challenge it's enforceability,  mostly it's game over for them.   Your friend can start to get on with his life if he follows this plan and learns to accept that these debts are not necessarily the millstone he thinks. He can live within his means and have a good and fun life which is what he deserves. The original creditors have accepted some money from the debt buyer so presumably are happy and the debt buyer will make a profit across the whole bunch of debts he bought even if he makes nothing from your friend so he is happy. If nether of them are happy then they should not have got themselves into the situation in the first place.   As always I finish my comments by saying I am not a legal professional just a guy that got into to trouble in 2006 and learned a lot of this stuff along the way.   I welcome any comments from other CAGers, particularly if they spot any mistakes.
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Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Pass !

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this is so cool :D

 

The secret of the Wottingers….

 

After months of careful research the reason behind the Wottingers persistent absence from their house in the Night Garden has become clear. They moonlight - as do the Pontipines. Arriving early in the garden one day, this reporter followed the Wottingers as they left their house and took a taxi across the woods to another set where an alternative version of the programme was being filmed. The Wottingers home in this other set comes fully equipped with a plasma television, Wii, outside jacuzzi and fully-stocked walk-in freezer. Lavished by a level of attention not seen since the heady days of Beatlemania, the Wottingers take part in a variety of events, riding the Nissan Ninky Nonk and playing Air Guitar hero with the Tombliboos .

After a long day, the Wottingers return exhausted to their house in the original Night Garden, too tired to take part in anything but not too tired to take the regular pay cheque. A vast brood of demanding Wottingers requires a lot of maintenance after all!

As a surprise footnote to this discovery, this reporter noted with surprise that as daylight arrived, a batch of bedraggled-looking Pointpines turned up in a taxi and made their way into the Wottingers luxury home. As the daddy Pointpine passed the daddy Wottinger he was seen to press a guinea into his greasy wooden palm. So - thieves and benefit frauds all.

Lula

 

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Pinky Ponk GPS

 

Yesterday, the Pinky Ponk got stuck in a tree. The series of events leading up to this calamity were unassuming, as events often are in the Night Garden. However, right before the Pinky Ponk got stuck in the tree branches, it flew into a tree trunk, ricocheted off and got wedged in some other branches.

The occupants of the Pinky Ponk at the time (which included everyone except the Haahoos and the Wottingers) dislodged the Pinky Ponk by swaying backwards and forwards — much like a rally car driver.

After the Pinky Ponk had landed, I asked Igglepiggle what happened:

‘Well, ‘, said Igglepiggle, ‘usually, Pinky Ponks GPS will guide it through the trees and around any obstacles it might find in the garden.’

‘Why not this time?’ I ask, ’surely the tree it hit didn’t just pop into existance?’

‘Haha, no!’ laughed Igglepiggle, ‘it’s actually quite embarressing, but there are two possible reasons that the GPS stopped working; one, the batteries ran out, or two, and this one is more likely, it was a TIE’.

‘A Tie?’, I ask, shaking my head, ‘What is that?’

‘A Tittifer Induced Error’ said Igglepiggle. ‘It means that either a Titterfer has flown too close to the Pinky Ponk GPS and blocked the signal, or, and this is the embaressing bit, a Tittifer pooped onto the Pinky Ponk GPS ariel!’

I heard Upsy Daisy snigger.

‘This time though’, said IP, ‘a Tittifer flew too close. They do it on purpose sometimes for fun. The Pinky Ponk makes the funny frustrated farting noise then!’

Lula

 

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Right - that does it - I can't stand this any more. I'm just turning on CBeebies to see what all the fuss is about.

 

:rolleyes:

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Hmmmmm.

:confused:

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

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Today wasnt a particularly good day to watch it was more for the specialist audience, tomorrow you will see the Tombliboos and be able to do the Makka Pakka dance and perhaps even see his OCD in all its glory :-)

Lula

 

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The Tittifers are fantastic though and you will really see what a total trollop that Upsey Daisy is

Lula

 

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I think I need to borrow a small child in order to appreciate it.

 

Personally I prefer Numberjacks.

 

:D

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

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tut tut, well as I have said before, you are welcome to borrow mine, he has gone to school today in a dalek costume (it is really great :-)) as they are raising money for CIN

Lula

 

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LOL - I bet he looks cute - any chance of a pic on Facebook later?

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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I know I need to get out more - I sat and watched the whole thing out of choice!

 

:rolleyes:

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

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LOL

 

It's not my mind he's interested in.

 

;)

 

This is all wrong on a kids' tv thread.

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

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No, it's absolutely right - Lula and I try to be all grown-up and sensible, but it always comes back to ITNG in the end.

 

ps I have bought little Tiglet a Ninkynonk for christmas.

 

What a pip!

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I did like Upsy Daisy - and Iggle Piggle was a very naughty not going to bed at the end.

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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As you can tell by my avatar (and the student photos my friend posted on facebook last night) I have an affinity with Upsy Daisy.

 

Iggle Piggle doesn't go to bed every night - unfortunately, the poor love has memory problems due to the drugs they put in the Pinkyponk juice, so he just forgets.

 

And every night Derek Jacobi has to remind him.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Yes, I saw your pics.

 

I much prefer Numberjacks to ITNG, I'm afraid. I even logged onto their site and listened to the Scary Spoon song.

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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Little tiglet LOVES numberjacks - but currently is very much into singing and dancing to the Autumn Harvest song - I'll try to get a video and post on facebook.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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