Jump to content


  • Tweets

  • Posts

    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • 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...  
  • 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 
        • 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

Im in a mess advise please


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5425 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

Hi

 

I have been lurking on this site for a few weeks now, and have read all advice given to people who are in my state.

 

My husband fell out of work in Nov,

so we have been unable to make our agreed payments to our loans, and credit cards,

 

In Jan i sent them all a letter, to let them know our situation and attached a budget sheet to show them our outgoings were more then our incomings.

 

I have offered them all £1 until our situation gets better and

in the mean time one of my creditors told me they couldnt accept this payment without me going onto a DMP

(they have all been cashing the £1) so

 

i spoke to payplan who cannot help me as i do not have enough surplus money and they have advised me to do what i have already done (sending letters to explain)

 

I have been getting untold amount of phone calls from one of my creditors who keep on telling me

that i need to go to CAB so they can work out a budget plan for me and

although i have told them i have already done this they just wont listern,

 

I have now changed my phone number and sent them an harrasment letter about the phone calls,

and on Saturday i got a letter back to say they are sorry they have caused me distress

but they have every right to call me and have put a hold on the calls for 4 weeks

but if i dont pay my arrars they will start calling again

, they wont get through to house phone but calls on my mobile will start again.

 

 

I have got letters from all of my other creditors not even acknowleging that i have sent them letters and budget sheets,

but are all demanding the arrers or they are taking further action

they just are not listerning or reading my letters.

 

I feel like im at the end of my thether with it all i just dont know what to do now.

 

I have written out all my CCA letters ready to send off

do you think i should send them now?

Do i sent another letter to them all explaining my situation again?

Just dont knwo what to do now.

 

Sorry this is a really long post hope you can advise me to the next step.

Thanks

Link to post
Share on other sites

  • Replies 137
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Are a large percentage of any of the debts made up of penalty charges? If so, this can be a good way of putting the debt into dispute. Also, CCA requests I would send out, as again you are putting the debt into dispute.

 

Whilst the debt is in dispute, creditors are not supposed to continue collection activity, nor I believe are you supposed to incur further interest.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

Link to post
Share on other sites

Hi

 

I am a newbie and have been lurking for a few weeks and have took some of the advise you have passed onto other people in the same situation as me, hope you have the time to read my post as I feel at the moment im at the end of my thether sorry its long.

 

In Nov my husband fell out of work, he is self employed and in his line of business in this current market its looking grim at the moment, In Jan I sent all my creditors a letter to say I have financial trouble and sent them a budget sheet to show my outgoings where more then my incomings and I have offered them a token payment of £1 until my situation gets better, some I got replies from to say that unless I was with a DMP they couldn’t accept it and would keep on adding interest and charges to my account, and everyone I have sent the pound to have cashed it. I called up Payplan who informed me they couldn’t help me as I did not have enough surplus money, they then sent me letter templates to send my creditors which were the same as I had already sent to didn’t see the need to send them again.

 

In the mean time I have had untold amount of calls from one of my creditors and they just keep repeating themselves by telling to speak to CAB to do a budget plan for me they are just not listening to me, but they keep phoning and phoning me day and night and if they cant get me on my house phone they ring my mobile, I have sent them the harassment letter and changed my home phone number. I received a lengthy letter on Saturday from them to basically say they are sorry that they have caused me distress by the phone calls but they have not broken any acts and they have every right to call me to try and resolve the matter and will put a hold on all calls for 4 weeks but If I do not pay the arrears in that time the phone calls will start again.

 

I have also received letters from all my other creditors telling me that I need to clear up my arrears or they are taking future action, they just are not listening to me I have sent them numerous letters asking them to reconsider and please accept my token offer but still they seem to be ignoring the fact I am trying and just keep sending me the letters.. I don’t know what to do now, I have CCA’s ready to send off but im sure they will all be enforceable and have been holding off sending them, what shall I do?

 

Thanks

Link to post
Share on other sites

Without knowing all the precise details of your finances it would be difficult to advise.

 

If you have already spoken to payplan and they have advised that you do not have enough surplus money to support an IVA then I would suspect the only option left open to you would be to go bankrupt, although you do not say whether you own your own home and if there is equity in it.

 

What I did with some success is to write to all my creditors and tell them that unless they are prepared to enter into an interim payment plan, and freeze the interest and charges I would have no alternative than to declare myself bankrupt (I had no assets to speak of).

 

They backed off for a while and gave me the breathing space I needed to sort some things out.

 

However I was fully prepared to go bankrupt (and in some ways still wish I had)

Link to post
Share on other sites

Hi

Thanks for replying, yes i do own my own home and payplan have told me bankrupsy is not an option as i have 2 young children.

My debts are as follows:

Cahoot - £7000 loan

AA - £4000 Loan

lloyds Tsb- £4000 loan

lx direct - £2000 catalouge

citi card - £4000 credit cards

 

Any advise is apriciated.

Thanks

Link to post
Share on other sites

Well basically my kids need a roof over thier heads. Surley this is not my only option? I read alot of posts on here over the past few weeks and Bankrupsy was hardly mentioned as an option.

 

Hi

 

(i have posted this on general debt advice but I am looking for all advise possible)

I am a newbie and have been lurking for a few weeks and have took some of the advise you have passed onto other people in the same situation as me, hope you have the time to read my post as I feel at the moment im at the end of my thether sorry its long.

 

In Nov my husband fell out of work, he is self employed and in his line of business in this current market its looking grim at the moment, In Jan I sent all my creditors a letter to say I have financial trouble and sent them a budget sheet to show my outgoings where more then my incomings and I have offered them a token payment of £1 until my situation gets better, some I got replies from to say that unless I was with a DMP they couldn’t accept it and would keep on adding interest and charges to my account, and everyone I have sent the pound to have cashed it. I called up Payplan who informed me they couldn’t help me as I did not have enough surplus money, they then sent me letter templates to send my creditors which were the same as I had already sent to didn’t see the need to send them again.

 

In the mean time I have had untold amount of calls from one of my creditors and they just keep repeating themselves by telling to speak to CAB to do a budget plan for me they are just not listening to me, but they keep phoning and phoning me day and night and if they cant get me on my house phone they ring my mobile, I have sent them the harassment letter and changed my home phone number. I received a lengthy letter on Saturday from them to basically say they are sorry that they have caused me distress by the phone calls but they have not broken any acts and they have every right to call me to try and resolve the matter and will put a hold on all calls for 4 weeks but If I do not pay the arrears in that time the phone calls will start again.

 

I have also received letters from all my other creditors telling me that I need to clear up my arrears or they are taking future action, they just are not listening to me I have sent them numerous letters asking them to reconsider and please accept my token offer but still they seem to be ignoring the fact I am trying and just keep sending me the letters.. I don’t know what to do now, I have CCA’s ready to send off but im sure they will all be enforceable and have been holding off sending them, what shall I do?

 

Thanks

 

Bump

Link to post
Share on other sites

Subbed

 

Hi Whatamess. I going to follow your thread if you dont mind as we seem to be in a similar situation. I have also started a thread in this section - Not Sure What To Do Next.

 

But just some encourgment to keep going and not give up. As for sending CCA requests and I'm far from an expert, but I cant see what you have to lose. If they are enforceable you're only at the point you are now, but if they're not :D

 

Good Luck

 

Mark

Link to post
Share on other sites

Evening WAM how horrid for you. I agree that sending the CCA letters is a no loss option and it might make them think a bit. In the intervening period can we have a little more detail about the kind of debt and how many people you have chasing you? Try not to be too specific.

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

Link to post
Share on other sites

Are these your original creditors or debt collection agencies? Have you had default notices? Have any of the debts been assigned? Are there any charges or payment protection insurances?

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

Link to post
Share on other sites

Thank you all so much for replying i was starting to loose hope.

Ok between myself and my husband we owe 3 loans, 1 credit card and 1 catalouge all which amount to roughly 25k (not sure how much info you need)

 

I have had no default notices as yet but the last letters do say if i dont pay arrars now then they will be passed to a debt collection agency.

 

There are charges and also one of my loans have payment protection on it. Can i get this back? as the payment protection amounts to about 2k over the loan period.

 

I know this is not nice for anyone and wouldnt wish it on anyone but it gives me hope that there are poeple out there like us and hopfully can eventually start sleeping again at night. I am so pleased i found this site.

 

I first posted this on general debt advice and someone told me that my option is to go bankruped this surely isnt my only option is it, I have 2 young children who need a roof over their heads.

 

Thanks

 

Is anyone around, I have answered some of the questions i still need advise.

Thanks

Link to post
Share on other sites

Yep, I'm up. Got a few things to do but will be back.

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

Link to post
Share on other sites

Hi again, will be back with some more specific things for you to do during the day. In the intervening period try and calm down, you are just one of thousands in the same position these people will huff and puff but it's not personal. It'll take a while to get it sorted out.

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

Link to post
Share on other sites

Are the loans secured or unsecured?

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

Link to post
Share on other sites

Get a CCA letter off to all of these guys. Do you have a template or shall I find you one

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

Link to post
Share on other sites

All loans are unsecured.

 

Ok will send off CCA's I have them all written just needs to change the dates, and in the mean time while i am waiting 12+2 for the reply what shall i do about any other letters i recive from them?

Thanks again

Link to post
Share on other sites

Right about the calls, if they will not respond to the harassment letter then you have to move on to the attack.

First if they call you are they asking you security questions? If they are then refuse to answer them, you have no idea who they really are and giving a stranger security information just because they have called you is madness, the security question process is designed to confirm who you are when you call them.

If you do end up speaking to them ask them some security questions, for example ask their name, date of birth, mother’s maiden name, where they are located and the name of their supervisor.

Keep a log of date time, full name of caller and the organisation for which they work. If you can afford it get yourself a recorder (there’s an offer on the forum for them).

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

Link to post
Share on other sites

File them meticulously, keep all the envelopes and staple them to the letter, post them up on the thread using photobucket after removing all of your personal information and we'll have a look at them.

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

Link to post
Share on other sites

How are you holding up?

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

Link to post
Share on other sites

I am holding up well now that someone is advising me thank hevens for this site.

 

Im glad i changed my home phoone number i do not get one single call, which helps keep my sanity. Just waiting for the mobile to start ringing again in the next 4 weeks. The letter they sent me was good they said that I cannot record them unless i let them know im doing it, as i will be braking the law..

 

Thanks agian for your help will keep you informed. Whats the best thing to happen? That i dont get my CCA's or that i do get them and they are unenforceable?

Link to post
Share on other sites

You know, of course that it isn't against the law to record calls, I wonder what they're scared of? Can you post up the letter having removed any personal detail? 3 things can happen, they don't send the agreement, they do and it's unenforceable or they do and it is enforceable. An unenforceable agreement is always a useful tool.

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

Link to post
Share on other sites

Right, the loan with the PPI, do you have any documentation regarding the insurance?

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...