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    • I started paying her old council tax as they said they would jail her I managed to get those account details. We then got back together she moved in with me stopped me going to my house. Eventually let me back in I was there 4 days then the police showed up at 1am arrested me for 8 different offences. On the morning I was in custody she rang the letting agent and asked for the house to be changed to her sole name as I was in jail. The house was changed to her name I was made homeless. The bills she did not change to her name left them as occupier the utility companies then said I had to pay as there was lots more usage than an empty property. My solicitor said if I don't pay them I will be reported for it. It has since turned out that in her old property she didn't pay the bills. The electric bill she put in her daughter's name then cancelled the direct debit the council tax she never attempted to pay. Due to one of the accusations I have since been told I need to pay these bills even after getting emails saying I'm not liable for the bills. I have forwarded these on to the police and solicitors and had no reply. Other than you have to pay these bills. I'm also going to end up paying the bills where she lives now as once again they are not being paid. I can't go in to detail about the case as I'm due to be charged next week not sure what with yet but the police have told me I'm going to be charged.  My ex will not tell me nor can tell me about her debts as she doesn't want me to know how much debt she is in or has put her daughter in once she turned 18. I do not want to be paying her debts after what she has done to me.
    • In the earlier thread (now linked above) you were going to change your name by Deed Poll. Did you do that? Did it solve any of your problems? What, exactly, have you been charged with? Has a court date been scheduled? I cannot think of any reason why the police would tell you to pay your Ex's debts that she incurred 5 years before you met her. Either there's lots of the story you aren't telling us, or you have misunderstood what you have been told, or you are trolling us. Earlier you said it was your Ex who wanted you to pay her debts and, for some reason that  no-one here could understand, you were going to do so. So your Ex can give you all the details of her debts and you can pay them. She can hardly expect you to pay them if she won't give you the account details! I've never known debt collectors be fussy about who pays as long as someone does. They routinely take payments from friends and family to clear debts. It's not illegal to pay someone else's debts          
    • What you've said isn't helping. Please post up a redacted version of the appropriate section of the court papers.  HB
    • Oh, yeah. The law I’m charged with is riding underground without a valid ticket said by SJPN Student Union can’t provide any help, I have contacted them
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Debt Management Plan Dispute2

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Hi, I wonder if anyone can help me with this one. I’ve been a member of Payplan since May 2005 and have been advised by them to quit my membership (which I did today), as I’m about to go into dispute with my creditors, regarding further payments to them, ie added interests/fees. Please see the following, briefly outlining what I more, or less, wrote in my first thread:


“It's regarding a debt management repayment plan that I've been making to my creditors, via Payplan, between May 2005, to be completed by November 2008 (£12507.97 of debt to start with).


Presently I’ve been paying £296.05 pcm and last October, I only had £598.85 to pay off (approximately two more payments left). However, due to added interests/fees, my creditors are refusing to write off the accumulated debts of a further total of £2065.56, (insisting that I should continue to pay up until August 2009) while Payplan informed me that it's not within their power to get them to write it off, even though I was reassured by their customer services staff (before joining and during my early membership) that they can negotiate with my creditors for all my final payments to be written off or for it to be reduced by 80%.


I've since cancelled my standing order about three weeks ago, since I feel that I have more than paid off my creditors, long before joining Payplan (I've always paid on time and never missed a payment until now). I also feel that the creditors are very greedy and just want to cling onto me for as long as they possibly can. Already I’ve received my first threatening letter from one of them today and I’m sure I’ll soon be hearing from the other ones. In any case, I’m still
sticking to my guns
as I feel that what they’re doing is unfair/unjust."

I did seek out legal advice, but cannot afford the solicitor’s fees. I enquired about getting legal aid, but I don’t qualify as my salary, although it’s basic, would place me under the private clients' category since I have no dependents to pay out to, or own my own property. I’ve since been advised to try the Law Centre to see what they can do. I hope this information is helpful to you and thank you for taking the time to read it.


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You could send a SAR to each of your creditors which will cost £10 & they would have 40 days to comply. Among the things you should get back would be a copy of your agreement which if you scan and remove identifying details & then post up here we will be able to tell whether it is enforceable or not. Also you should receive back a list of all the charges which have been added with a view to reclaiming back those which are unfair.

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If these debts are for catalogues, credit cards or loans it may be quicker to send a CCA request. This will cost a pound & should be sent recorded delivery, they would have 12+2 days to respond to your request. If they failed to respond or produced an enforceable agreement within that time period you can then send an 'In Dispute' letter and withold any further payments as the account would in effect be frozen until the dispute was resolved.


If it was an overdraft you would have to send the SAR.

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also get a SAR from payplan.in their notes it may say they agreed to do the write off for you at some point.sounds to me like they are now removing themselves from their statement about this.remember they are paid from your creditors for a % of the money you pay, so they prob dont want to do anything which rocks the boat.


obviously do the CCA requests anyway, but these guys also say they will do stuff and dont.

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Thank you both for your help and, Wangster, I totally agree with you about Payplan trying to remove themselves from their statement - in fact they did claim in their final report, (sent out to me and FOS). that none of their staff had mentioned anything about writing off the remaining debts.


If it came to the crunch where I had no choice but to pay up, ie if the creditors take me to court and win the case, could I still send in the cca and the SAR?

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