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    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
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Claiming Back Charges whilst on DMP


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have had to approach Payplan to get a Debt Management Plan going, they have been really good so far and have worked out that we can afford to repay our £18K debt over 4 1/2 years at £340 a month, which is just about manageable for us.

 

My main question here though is one of the creditors Lloyds has been racking up bank charges on our overdraft and thus in the past few months have not paid our DD in this last month alone it has been nearly £200 in charges.

 

We are also paying back on this plan credit cards and again they have added charges over the past few months.

 

Can I claim the charges back even though I am on this DMP? Does the money have to go back into the payment plan?

 

Can anyone advise pase.

 

Oh Happy days

 

GASS:)

:lol: GASS
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Come on Guys,

 

I really need to know if I can claim back charges, have I done the right thing getting involved with PayPlan, we just want to get on with our lives. I have been reading other threads and am interested to see talk about CCA's - Being really thick, but what is the deal with these?

 

Is it worth going down that route..... but staying on the PayPlan as well....

 

HELP

 

PLEASE

:lol: GASS
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My advise would be to go for it .... they might just knock it off your balance but it would reduce what you owe :)

Do you have all your statements if not send Lloyds a SAR and get the ball rolling :)

 

 

 

saint :)

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Thank U Saintly 1

 

Just an other quick thing, Payplan have asked us to pay a £1.00 postal order to each of our creditors, what do you suppose this would mean or do.

 

I will go back and ask them but...... any ideas/thoughts would be welcome, will start the ball rolling with the charges claims.

 

Cheers

:lol: GASS
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Hi Gass

 

What you may find is that a lot of your credit debts are made up of charges. I have been trying to settle mine this way. My visa card owed £300 on it and the charges were £400 the same as a catolouge debt was for £500 charges are about £600 so for that one (as they are being difficult) I have said that if they wipe the debt i wont chase them for the rest. This will lower how much Payplan will need. Like saintly

1 said they are probably checking they all have credit agreements.

 

Good Luck

Olivesxx

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Well who knows,

 

just been down to the post office and got them anyway and have left a message with Pay Plan asking them to what purpose these will be at this stage. Obviously I need to add a covering letter explaing the reasons.

 

Bit daunting really as they say they will help and then you don't hear anything for up to 5 days !!!

 

Will get going on the charges this weekend, do you think I need to tell Pay Plan about trying to reclaim charges.

 

Just wish the constant phone calls would stop and the letters, then perhaps would have a better mind to deal with things.:|

:lol: GASS
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My mum is with Pay plan and it did take a little while for the calls to stop.

 

As far as teling them about the charges goes I dont see why you can't tell them. I think that is completely up to you. I know CCCS are not all that keen on people going for charges but apparently they work more for the creditors anyway.

 

We was going to go to payplan but then I decided that most of my debts can be written of with charges and credit agreements(or lack off). Whatever is left I will write to myself to set an arrangement as I only expect to have two left any way

 

Good luck

Olivesxx

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We could probably write off a few without payplan help and recaliming back the charges as well, but to be honest my hubby and I don't have the strength at the moment, we are totally exhausted with all this.

 

I did however manage to claim back charges in 2006 from RBS, (must say it was only due to the help on this site that I managed to do that and it was so sweet too) so I am sure that once I get going again I will feel better about it and maybe we can revisit our arrangement with payplan. We just need structure and guidance at the moment.

:lol: GASS
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I spent years running away from creditors. I was hiding letters any where I could. Out of site out of mind. We then in pure desperation paid for a debt management plan. We then found this site. They helped me fight off a reposession. After that I realised the what these people (creditors)were doing. Making our life hell.

 

Like you say. wanting the nightmare to end I can competely relate to that

 

Pay plan is a good start. You will have arrangemtns in place so they shouldnt hassle you with the calls and letters. Then 1 by 1 you can take them out. It gives you time and slowly the power back in your hands. You are doing the right thing in my opinion.

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Thanks Olive.Family

 

The words are encouraging and great to know (well you know what I mean) that we are not the only family out there in trouble with debt.

 

It feels good to know that people are willing to help.

 

Have found out from Pay Plan that the £1.00 postal order is a gesture of good will to the creditors and that we don't even need to send a letter explaining reasons, contact at Pay Plan says that if creditors call tell them that they are involved and will be intouch shortly and agree to nothing with them. In the past we would have robbed peter to pay paul and get no where, so now feel that we are beginning to hit back, slowly but surly.

 

Thanks again...

:lol: GASS
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hi,

i have the same problem with gass im on dmp with kensington for 7 mos now but still some of the creditors is continously putting charges in my account but before my dmp i cant remember if ihave charges in my account as i tried to be up to date with my payments but some of my loans and credit card has a ppi on the initial year it was opened and i am not sure if there is a valid cca.do i have to informkensington of my plan to reclaim?does it affect the arrangement payment made with my creditors. i been reading this site for a while but still dont know where to start.thanks and more power.

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Hi 111honey,

 

Firstly and most importantly are you paying Kensington to manage the DMP. I ask this because as far as i am aware there are only two groups who do not charge for this service and that is CCCS and payplan.

 

Olives

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yes ,fixed monthly charge . but i am planning to transfer to cccs or payplan but since i've been receiving left and right letters and phone call i decided to stay as i dont want to go into more trouble of transferring my dmp at this time although kensington is very helpful. but we are getting a hardtime with my natwest loan as they already applied for ccj and charging order we have a hearing set on june24 .

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but majority of my creditors already accepted my offer except natwest who are demanding full payment and giving a lot of stress i just wait until my hearing and see where will i go.any advise is very much appreciated.thank you

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hi,

i have the same problem with gass im on dmp with kensington

 

right lets get this clear its not me with gass :o:D

i is 5 and this lady is 111 :p:D gave us a good giggle thanks 111honey xxx

 

could you not SAR natwest to see if you could reclaim anything :confused:

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i would love to but i dont have anymore time to do it as my hearing is on the 24thh of june that is for a chrging order i dont know if i will do this what will happen? but i am sure on my initial loan there is a ppi added and i reloan to pay the old loan and to get an extra but without ppi.thanks

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sorry for this mistake but you sound a bit sarcastic in your rply anyway

i've been reading this site for a long time and stopped for a while but just started to post as carried away on the posted thread so i reply instead. than ks and i will post my own

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Not sure how old this thread is. the £1 to each creditor is for a one off payment - the minimum you can actually send that would be acceptable to your crediitors, probably due to the date you need to pay the creditors by,

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  • 2 months later...

Have started the ball rolling with LLoyds, they have said NO to repayment of charges etc. But I did expect that.

 

However they were very nice (not) and did say that their

"Customer Support Unit who are experts at dealing with peope who are in financial difficulty or hardship and will help to review my finance will be intouch within a week"

 

This was 25th June and I'm still waiting them to get intouch .....

 

So now that Payplan have written to all Creditors and stated our intentions to pay etc.... I feel that it throws more in my favour to have these charges refunded, as ultimatly they were a contributory factor and are only since Jan this year.

 

So have now written back and asked them to reconsider and mentioned the fact that their all singing all dancing Unit has NOT been intouch.

 

I suppose now that I'm feeling better in my self that I now need to tackle;

 

Next (store card)

Captial One

MBNA

LLoyds Credit Card

Oxendales (catalogue)

GE Money (BHS Store Card)

 

ANy words of wisdom on these would be great.....

 

:cool:

:lol: GASS
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