Jump to content


  • Tweets

  • Posts

    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
  • 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

Debt following death.


nuthatch
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5490 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

  • Replies 201
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

JonCris...oh heck, that really never crossed my mind at all. I have read back through this thread and edited sections so I hope I can remain anonymous.

I will be more careful.

 

TheChancellor would you mind editing your posts referring to the amount I owe?

Thanks.

Link to post
Share on other sites

Another letter from Cabot to say they are going to remind Goldfish to supply CCA again.

I think their computer must be programmed to send out these letters as it is exactly the same as the last one...even down to the number of days they state it is since I made the original request!

Link to post
Share on other sites

well at least they are keeping u updated.

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

  • 3 weeks later...
I have had my DMP review with the CCCS and my monthly payment has been reduced by more than a quarter as I am off sick. This is towards a debt of just over £40000.

I asked the counsellor about making F &F offers with the lump sum I have and she said I could either pay off the smaller accounts or offer everyone a pro rata amount. They would probably get about 30%.

What worries me here, and it is better to say now,is an implication of money in a bank account. I hope it is independent of any creditors related banks. Some creditors are ruthlessly using "Set Off". They cleaned someones bank account of a months money leaving them £1.00 for the month. Hope any money paid into an account is independent.

If my post helped you feel better, click my scales.

Link to post
Share on other sites

What worries me here, and it is better to say now,is an implication of money in a bank account. I hope it is independent of any creditors related banks. Some creditors are ruthlessly using "Set Off". They cleaned someones bank account of a months money leaving them £1.00 for the month. Hope any money paid into an account is independent.

 

Someone on here will have a list of which banks are "related".

 

I would stick your cash into premium bonds for a couple of months whilst you are negotiating.Theres a good chance you could win a bit more & it is away from harm.

Link to post
Share on other sites

I have been away for a few days and have returned to a lot of mail which I will be asking help with tomorrow when I am not so tired.

In answer to overdone's post and TheChancellor's followup. The money I have is in local building society which is not connected to any other bank as I had got that info from CAG previously.

Link to post
Share on other sites

JonCris...oh heck, that really never crossed my mind at all. I have read back through this thread and edited sections so I hope I can remain anonymous.

I will be more careful.

 

TheChancellor would you mind editing your posts referring to the amount I owe?

Thanks.

 

Sorry NH, I hadn't seen your request but had a PM to say it had been edited.

 

My "edit" button never works anyway for some reason.:???:

Link to post
Share on other sites

I have been trying to use the Dummies Guide to try and post a link to a post in the thread "Chalkitup v HFC(Marbles)/Robinson Way" which shows a copy of an application form for a Marbles CC because I have received one which is virtually the same following my CCA request to Robinson Way.

I have also failed miserably trying to use Photobucket.

The very very poor copy of the Application Form does say that I applied for the card in 2002 but is almost illegible. I can make out headings "Use of your information" "Note for the Applicant" and "Marketing and Market Research" I have signed it and so has someone else in the "For Office Use" box.

There is nothing about interest rates etc.

Link to post
Share on other sites

Should I start separate threads for my debts or is it OK to leave everything on this thread?

 

Also, should I carry on paying the money via my DMP with CCCS to the accounts where no CCA is forthcoming or zero the balances so no money goes to them?

I have now had a letter from Cap1 bank about my CC debt which says they are going to do something to me in 28 days but I have forwarded it to the CCCS for their comments.

 

I am so sorry about all these questions but it is very scary being on your own. I am not usually a wimp but I am finding these weeks following my husband's death very difficult.

Link to post
Share on other sites

Should I start separate threads for my debts or is it OK to leave everything on this thread?

 

Also, should I carry on paying the money via my DMP with CCCS to the accounts where no CCA is forthcoming or zero the balances so no money goes to them?

I have now had a letter from Cap1 bank about my CC debt which says they are going to do something to me in 28 days but I have forwarded it to the CCCS for their comments.

 

I am so sorry about all these questions but it is very scary being on your own. I am not usually a wimp but I am finding these weeks following my husband's death very difficult.

 

Hi NH

 

You're not on your own - that's the beauty of CAG:grin:

 

Is this the link you wanted?

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/152785-chalkitup-hfc-marbles-robinson.html?highlight=chalkitup

Link to post
Share on other sites

Nuthatch your not really on your own you have a lot of friends that dont care about the lots of questions even if you feel they are stupid. Trust me a year ago i think i was asking he same stupid questions as u.

 

Yes it might be easier for you to have seperat threads for each debt then we can help u a lot better as info wont get mixed up.

 

GM

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

Nuthatch

 

You are in good hands here. I see Joncris keeping an eye out for you as i type.

 

I lost my Auntie last week and i have to go through probate as well to sort out her affairs. The tax forms alone put you off.

 

Are there any charges on the Capital One account?

WARNING TO ALL

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

Link to post
Share on other sites

 

Are there any charges on the Capital One account?

 

Sorry to hear of your loss.

There are charges on the Cap1 account which is actually my own debt. I will be pursuing this (and all the others) when I can get myself organised.

I really will try and get threads started for each of my debts so that I am not confusing everyone :( about which are my debts and which are my late husband's.

Link to post
Share on other sites

Stupid letter from Egg.

I sent them a copy of my husband's will and had a letter back to say "we note your husband did not leave a will!!!!"

 

Can they actually read?

 

And the letter also had a note to say that Egg could confirm that proof of my husband's debt had already been sent.

Well actually, no it hasn't.

So I have written back pointing out their mistake.

Link to post
Share on other sites

see ur getting good at this already. Did not need our help in what u need to do.

 

Give your self a pat on the back for that.

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

Stupid letter from Egg.

I sent them a copy of my husband's will and had a letter back to say "we note your husband did not leave a will!!!!"

 

Can they actually read?

 

And the letter also had a note to say that Egg could confirm that proof of my husband's debt had already been sent.

Well actually, no it hasn't.

So I have written back pointing out their mistake.

 

Hi NH

 

Why did you let them see the will?

Link to post
Share on other sites

Sorry for delay TheChancellor my Mum has beeen poorly and has had to go into care.

I did ask further back on this thread about sending a copy of the will (I think) and was told it wouldn't do any harm.

Anyway, it's just one sheet naming me as Executor and leaving anything to me.

As it is, now I have all the bills in relating to the funeral (not including the headstone) there is about £1000 left to share amongst creditors owed nearly £30000.

Egg have been so stupid. I have written to them several times and they keep sending letters back that bear no relation to any comments I have made. They sent me a huge document to fill in detailing our assets :rolleyes: which I have ignored.

Do they really think I am in a fit state to deal with all this?

I have now sent copies of all my husband's creditors' letters together with a breakdown of costs to show how little is left after paying the bills.I have nothing to hide.

I have said I would like to be able to afford a headstone so don't ask for anything else.

 

I am still trying to pluck up the courage to act on the advice on the threads I have started about my own debts. I just don't seem to be able to find the courage.

Link to post
Share on other sites

I am still trying to pluck up the courage to act on the advice on the threads I have started about my own debts. I just don't seem to be able to find the courage.

 

"Corporate Bodies have no soul" Because what you are being advised to do maybe goes against the core of your own nature and contrary to how you have been raised to think. Your head needs to go to another place to deal with Organisations. It is not as though you are dealing with friends and family.

  • Haha 1

If my post helped you feel better, click my scales.

Link to post
Share on other sites

Hi NH

 

Nice to see you back.:D

 

Go & sort a headstone if that will bring you comfort & there wont be much change from £1000.Then they can go & whistle Dixie if that is the last of your husband's assets?

 

Once that half of things is out of the way we will work a way through your list.Chin Up.

Link to post
Share on other sites

Hi NH

 

Go & sort a headstone if that will bring you comfort & there wont be much change from £1000.Then they can go & whistle Dixie if that is the last of your husband's assets?

 

This made me smile.

You have a great way of putting things in perspective. Thanks.

 

I am up at an unearthly hour as just had a call from the home my Mum has moved into to say she has fallen and they are sending her to hospital.

I had only been asleep for a couple of hours and I think I am too tired to drive the 30 miles to be there with her so I'm waiting for news.

From the carer's description, I have a horrible feeling Mum has a fractured neck of femur.

  • Haha 1
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...