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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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please help threatened bankruptcy by capquest


mojobluegirl
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hi

 

please can someone help me i have been threatened with bankruptcy by a company called capquest , who have taken on my skycard credit card debt.the original debt was for 750.00 but now with interest and cahrges the debt is now 1201.69. after being hounded by phone messages at all times of the day and night they finally sent me this petition for bankruptcy.

i called them and offered to pay 20 pound a month as a single mum of 4 on a part time salery it was more than o could really afford. the guy on the phone was extremely rude and demanded 100 pound up front and 50 per month thereafter. i felt i had no choice and agreed. i set up a direct debit account and the first payment did not leave my account then i had another nasty call demanding 50 pound . i explained that they had not taken the payment but the direct debit was set up. they said no direct debit had been set up. i authorised another 50 pound over the fone and they debited my account with 51 pound. i reset the direct debit which was due out on the 29th but they still havent taken it what should i do?

 

should i cancel the direct debit and not pay? can they enforce the bankruptcy or what should i do . please help i am at my wits end and getting very depressed.

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hello mojobluegirl

 

welcome to cag, i see this is your first post and i wanted to at least say hi

 

im not too sure on all this bankruptcy lark, but im sure other more experienced people will come along soon to help

 

in the meantime have a look at other threads and learn as much as you can about capquest,

 

i have in the past been helped by nationaldebtline and their site has a lot of useful info and you can also call them freephone

 

take a deep breath, slow down and take today to learn around this forum and pretty soon you will learn stuff and i will look in later to make sure someone experienced has come to give you some good advice

 

must dash off now but i wanted to make you feel welcome i understand the terror you must be feeling but pls wait for some replies okay

 

take care for now MAZ

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi there,

welcome

First of all DON'T phone them. It's a complete waste of your time.

Do everything in writing

Cancel the direct debit. these companies have a nasty habit of increasing the amount taken without your permission.

You might think about changing banks too.

Next, CCA them to see if the have a valid agreement. If they do (unlikely) then you can tell them how much you will pay them, not the other way round.

As i said do everything in writing, do not hand sign any letter and always send letters by recorded delivery at the very least.

The CCA request will cost the princely sum of £1. get a postal order for that. don't send a cheque.

hope that helps

 

fox

 

ps If possible can you post up the "petition"

Edited by silverfox1961
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Hi MOJOBLUEGIRL WELCOME to CAG, You have come to the right place,there are lots of people on this site that will point you in the right direction.

Read the links below,this will help you navigate the forum and help you how to start your own Threads.

 

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Hi

 

Definately call nationaldebtline and also take a look at their website. A creditor cannot demand what you dont have.

 

Take a look at their templates and find the one relating to payment arrangements, send that along with income & expenditure details.

 

Cancel the current direct debit as they have used unfair harassment to try and get you to pay unaffordable amounts.

 

If they refuse and do try to take you to court, the judge will only get you to pay what you can afford, and usually freeze interest.

 

If you are getting a lot of harassment there is a section about debt collectors and templates to send to them to stop phone calls and advise of harassment to the OFT.

 

Have you thought of doing an administration order? Not sure of the full details of this but nationaldebtadviceline and CAB should be able to give more information on these.

 

I wish you the all the best with this.

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hi thank u all for ur advice . i am confused at the moment as u can imagine but am sure i wil get there with ur help. i have receiced a statutory demand under section268(1)(a) of the insovency act 1986 debt for liquidated sum payable immediatly.

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You basically have 18 days from the date you received it to set this aside. Have a good read through the links I gave you....send off the CCA and you'll need to fill out forms 6.4 (set aside form) and the affadavit (6.5)....

 

You can find these here - http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/86067-getting-statutory-demand-set.html

 

Once you have filled out the forms (help here with form 6.4 - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/163766-statutory-demand-1st-credit.html?highlight=registrar

 

If you need help with the affadavit please ask....

 

You need to take these to your local county court (ring them first to check they handle bankruptcies - if they don't they should be able to tell you the nearest court that does) At the court you should ask for the affadavit to be sworn in (this is usually free at a county court, £5 at a local solicitors office or £12 at central London courts).....

 

This will go in front of a judge who will probably set a date for a hearing.....once you have done your research (read as many threads as possible !!!) we can submit your costs 24 hours before the hearing....

 

First thing to do is get the CCA request off ASAP...

 

If you aren't sure of anything please shout...

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Making an offer of payment is not enough to set the demand aside.....but once you have read through the threads and links I gave you it will start becoming clearer and you will feel a lot better....!! as I said if you need help please shout...

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ok. i have written out the CCA letter will get that sent out this aft.

i have a problem with the 18 day rule tho i received th SD in september and dealt with it straight away by ringing them . thats when they made the outrageuos repayment offer. i have so far paid 151 pound to them.as in my original post it has been fraught with probs and i am just so worried if the probs continue i willend up bankrupt and as i work for my local council i cud lose my job .as someone told me if u r bankrupt u cant work for the council.also worried re bailiffs coming and taking all my stuff.

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OK....well you are out of time to get the stat demand set aside unless you pay £30 to do this.....get the CCA request sent out, keep paying them until they slip into default of your request (they have to supply the agreement within 14 working days, if they fail to provide this within 14 days then you are within your rights to stop paying)...it might also be wise to start reclaiming the excessive charges + 8% compounded interest from Skycard...

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