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    • 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.
    • There were 1,348 company insolvencies recorded in August 2021 in England and Wales, according to the latest figures published by the Insolvency ServiceView the full article
    • Do not appeal. Please can you complete the questions below. If their NTK is wrong they cannot transfer the liability to pay from the driver to the keeper. If they do not know the name of the driver then they are stuck. No-one to claim the money from. In any event most of the roads on the airport  either come under the Road Traffic Act or the airport Byelaws. if they do then not even the driver is liable since Apcoa has no right to issue tickets for either of those type of roads. But they still do and people still pay them.     
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Child/Working Tax Credit Payments/Giros SUSPENDED!


miles100
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Hi, hope someone can help! Ive been paid CTC&WTC manually by bank giro for a few years due to technical fault with bank payins. Sep 07 was last payment as they suddenly stopped with no warning. Informed the call centre who stated that with all personal information on me now updated they should be reinstated. After 4 months calling with no money and no further help or information on when I would be paid, I visited my local IREC office. The girl there was very helpful and found out that Preston had tried once again paying all my monies due into my bank account and because the paying in procedure to the account was unsuccessful, they SUSPENDED my payments! She took out all my bank details explaining that the Manual Giro payments I had before should 'kick-in' within 48 hrs as now they should NOT be attempting to pay into an account that does not exist on their system and to re-check with Call Centre after then.

I have just recently checked with the Call Centre to be told that now my manual giro cheques have been SUSPENDED with no explanation. I have requested to speak with a Team Leader and because I missed their callback, I have to wait until they call again!

So far I have suffered hardship (5months)missed payments totalling to over £4000 and the IREC girl confirmed that all details on me including review signature are updated and correct so there appears to be no reasons why I am not being paid. Does anyone know or have advice on how I can progress further with this? They just keep fobbing me off saying they will refer it to their Preston Office. Being a single mum with two children under 16, I cant survive anymore with my measly part-time salary.

Cheers for anyone's help.

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This happened to us last year. We changed banks while we were reclaiming our bank charges from Abbey, and despite telling the CTC of my new halifax bank account they still continued to pay the money in to abbey meaning that we lost it for many many months.

Eventually I got to speak to a manager (I'll try to locate his name). He was brilliant. He got manual giros set up immediately and increased them to cover the amount we had lost (It hasn't helped now though as they say we owe them £6000!).

Then I think duiring Nov/Dec last year they just said the firos would stop and the money would go into my new bank account. The process had taken about 7 or 8 months, and every time we were told it was a computer glitch.

 

I will try and find the letter with the name of the guy who helped us, but to be honest their whole system is complete chaos and it's no wonder everybody is in such a mess. Sorry I can't help you out any further, I sympathise with your situation as it happened to us.

Settled at 50%

Clydesdale £155. Should have been £310 charges, plus interest :( Husbands Account.

 

 

SETTLED IN FULL:

MBNA £1230. For Hubby.

Halifax £39.

RBS £342. For Hubby.

Cap One £200.

Abbey:

:D Settled in FULL April 18th 2007. £5179.83 Paid but what a long battle!

:D

COMPENSATION OF £100 ON 14/04/08 FOR CONTINUED HARASSEMENT.

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Hi Kerrie, thanks for replying and any contact names and/or direct telephone number you can provide would be most helpful. One of the issues I brought up with the girl in the IREC office when I was there, just to add insult to injury, the statement in my award saying I had a £17,000 approx overpayment dating back to 2004. She assured me that this is the 'norm' when someone is being paid by Giros .... apparently the computer doesnt work efficiently when Giros are paid as opposed to into a Bank Account and clocks up every Giro payment throughout the years as an overpayment!! Ive no idea why, however more than one advisor has stated this at the Call Centre and as soon as manual/giro payments come into the equation, overpayments start to kick-in. Again, I was assured that this would be rectified. I believe that this issue has just been sussed out by some of them but how many people out there are in the same position and already paying back what is not accurately due?! Ive still not received any money and they are already deducting overpayment from my award amounts and Ive not even been paid anything yet!! .... What a mess indeed!

Cheers for your time and attention.

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