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    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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    • 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.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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credit card agrement barcleycard


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The government decides the minimum amount of money you need to live on, in this case its £60 a week.

 

Therefore, you cant actually afford to pay them anything.

 

£5 would therefore be an excessive amount to offer and far more than a Court would expect you to pay.

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Hi, If its that recent its possibly a valid agreement with electronic signature.

What are your intentions? Are you looking at walking away from this, (which wouldnt be advocated)? Do you want to dispute anything such as PPI or charges?

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  • 1 year later...

can someone help me please. i have a debt with b/c , £1550. i have lost my job and can not aford the min, payment, i have ofered £12 a month , mersers and b/c have said this is to small, and wont acept it, and they have said they will go for a ccj. i am trying to avoid this, at all costs , is there any thing else i can do, or will they pass this debt on to someone else, thanks for any help

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i am in debt to barcley card £1400. i have lost my job and cannot afort the min payment, i have offerd them £12 a month but they are refusing that, they say they will get a ccj to get there money back in full. i dont want a ccj on my records. will they go for a ccj or is this a bluff, thanks for any help, i have sent for my cca, already

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Hi

 

Have you ever had any late payment charges or over limit charges on this account?

 

If so you can claim them back and BC will refund them against the balance that you owe.

 

In my case BC never got a CCJ that I know of, and I only owed them about £900 - However after asking for the charges back, it ended up that I only owed them £100 or so of which I paid and managed to settle this debt forever.

 

More information here on how to claim these charges back if it helps.

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/259192-aquacard-cave.html

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Quite often a bluff.

 

Sharklaycard are fools if they think by getting a CCJ they will get more money out of you, because they won't!

 

I take it you have been talking to them over the phone?

 

You MUST keep everything in writing, and refuse to speak to them over the phone, all they are concerned with in their shallow petty lives is how fat their wallet is, they could not care less about you or your circumstances.

 

Make them the offer of £12 a month again, in writing, and send it recorded delivery, 2nd class if needs be, or at the very least get proof of postage, then each and every time they refuse to accept your offer, reduce it by a pound and offer it again.

 

Not only will you have written proof that you have offered reduced payments to them, but they have refused these and simply threatened you with court.

 

DO NOT send them any Income & Expenditure sheets, thats for you to know only, they have no legal authority to see your private finances, so don't be fooled by them.

If they wish to see your I&E tell them to take you to court where a judge will view your I&E and will more than likely only make you pay £1 a month.

They know this, which is why they are really brave on the phone, saying things and using big words, that they wouldn't put in writing, as they can barely spell them.

 

I assume that you know that Mercers & Sharklaycard are the same person? Just that Mercers is the collection arm of Sharklays.

 

Besides a CCJ will not get them their money back in full in one go, normally you will show the judge your I&E and he will decide an amount which is affordable for you to pay back on a weekly/monthly basis, this can be as low as £1 a month, and they know this.

 

If £12 a month is all you can realistically and comfortably afford to pay them each month, then that is all you should pay them, regardless of whether they accept or not, set up a Standing Order, NOT a direct debit, to pay them this amount, or less if you decide, and they would look very very foolish if they decided to take legal action.

 

How old is the card? When did you take it out what year?

I'm thinking that as they are so greedy and playing you for a fool you should ask them to provide you with your CCA..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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LoL boo, Nice one,

Boton listen to the above cagers, thet know there stuff, having a wee war with BC, but there not getting a pennt untill they send me all the unlawfull ppi, late charges, unlawful cgarges and an apology for taking the **** out me,

I also had a doorstep visit from them two weeks ago, and just refused to answer the date of birth , so they could not proceed with further questions, after i told them to F... O.. and they were not getting a penny untill i got my money

canny write anymore boo, you win , av got finger cramp already LoL

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