Jump to content


  • Tweets

  • Posts

    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
  • 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

overdraft lloyds tsb


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5096 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 98
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

hi all

 

received letter today from LLOYDS asking me to fill in income/expenditure form and must be sent back within 14 days of their letter which was dated 17th august ....

 

im wondering if there is a lowest amount that they always are willing to accept to or do they try and grind you down wanting every last penny ?

 

also , if i say propose to pay £50 per month and they refuse this would a court view me as trying to make a reasonable offer if repayment or they side with the big bank ???

Link to post
Share on other sites

hi

thanks again for the advice

 

is there a template letter to send offering to pay say £50 a month or do i just draft a few lines saying im willing to pay whatever and not explain my income and outgoings at all ???

Link to post
Share on other sites

  • 2 weeks later...

hi all i hope someone can help me,a while back i sent off for a credit agreement from lloyds tsb,as scm were hassling me,anyway,i get a letter today,they do include a credit agreement for a loan i took out,which was for £2000,but they have also included a current account which has no agreement and it is for £4000,the letter i received to day goes as follows....

 

our client lloyds tsb

account number ********** £4259

loan agreement ************ £2000

 

further to your recent request,we hereby enclose a copy of the credit agreement.(yes they have included one for the loan account)

 

the current account application is no longer available as it is more than 6 years old and not subject to the consumer credit act.

we await your repayment plans.

 

can anyone tell me what to do,i fully accept the loan agreement,but they dont have one for the account???

Link to post
Share on other sites

hi all ......to continue this thread...........

 

today i received another letter from lloyds saying as i hadnt responded to SCM request of full payment or been in contact they have suspended any legal action for further 10 days to let me respond

 

i have rung them saying i sent 2 letters within the last 10 days stating my current financial position and my wish to make regular monthly payments of £40 but i havnt heard any responce to either letter

 

they say they havnt received any letters from me in the last 10 days though and the bloke on phone wanted me to give my income and expenditure details over the phone , to which i said no chance as i have sent 2 letters stating my position so i suggest you look amongst the mail

 

im not sure what to do now as legal action is not a thing i really want

 

shall i ring back and discuss my details over the phone or wait to hear their responce via post ????

 

if they did take me to court i would never be able to pay £2005 in one go so why dont they just accept my offer of £ 40 per month ..unless a court would demand i pay more ??

 

please help

Link to post
Share on other sites

has anyone had any dealings with SCM solicitors before ?

 

if there threatening legal action now just how serious are they and will a court look in my favour if gets that far as ive made several attempts to try resolve a reasonable monthly payment or do the big companys always come out ontop

Link to post
Share on other sites

Hello Steve

 

Have you keep copies of the letters you have sent ****

and did you send them Recorded Delivery

 

Do NOT call them you are wasting your time, keep everything

in writing keep copies of what you send them and keep the

envelopes as well from them .

 

I have first hand knowledge of **** they will try anything

 

Cheers Tonks:-)

Edited by Tonka99
added some text
Link to post
Share on other sites

  • 4 months later...

update to my thread

 

in november Lloyds tsb sent me a letter saying pay £19 every month on 15th , i accepted this and continue to make regular payments

 

however , 3 weeks ago SCM sent a letter saying they have been instructed by Lloyds to collect the whole balance of £2015 immediately

 

i sent a letter to both Lloyds and SCM saying i have copies of letter sent to me confirming i pay £19 every month , with even the dates printed on it up until august 15th 2010 , so i feel it is unfair how they now want to claim the whole lot when we had agreed a repayment plan

 

today i received a letter from SCM saying they want a new income and expenditure form sending within 7 days , i sent this info back in sept 2009 and Lloyds sent me the above mentioned letter stating i pay £19 back each month

 

my personal circumstances have altered since as i only work 4 days a week now but why should i send all the info again to these people when they set the repayment plan up ??????

 

are they allowed to go back on what they sent me ?

 

please help

Link to post
Share on other sites

  • 5 months later...

hello all

 

just a new turn on this case

 

last week i received a letter from WESCOTT saying LLOYDS TSB had instructed them to collect the £2050 within 7 days to which i sent a letter stating i already have an agreement with LLOYDS that i pay £19 each month ( which i hadnt paid for few moths as was awiaitng a resonse from them regarding the letter they sent me in feb )

 

however , today i received another letter from WESCOTT saying i have 7 days to respond or they will either take legal action to recover debt or send a door stop collerctor to my house ( which is my worst case scenario )

 

 

what can i do next please

 

i havnt a clue now how to tackle yet another threatening debt collection agency threatening action unless the full debt is paid in 7 days !!!

Link to post
Share on other sites

yes i do have written confirmation from Lloyds regarding the agreement i pay £19 a month

 

BUT why have wescott taken over this debt and chasing me for full payment ???

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...