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    • I've also just had an email about my NatWest credit card to say they were halving my credit limit but if I called them I might be able to keep the existing one. The reduced limit is still more than double the maximum monthly balance I have  had in the last 3 years. They say it's to bring it in line with my needs. I suspect it's something to do with an overall review of credit given but I don't know what exactly.
    • I was obviously clutching at straws on that one! I was putting the repeal together with the information below and considering that as I hadn't heard from the council for over 3 years that this might mean the charge / restriction was not now being pursued, particularly as the SAR disclosure did not show any entry for me from the Finance Dept. I fear I'm back to square one now.   After 1 April 2015 a Local Authority will only be able to recover unpaid care home fees by securing a judgment debt either in the County Court or the High Court (s69(1) of the Act).and The Act increases the time limit for the recovery of a debt comprising of unpaid care home fees from three years to six years from the date the sum becomes due      
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    • BazzaS Ah - now that complicates things - just when I thought I'd got my head round it!   I did think b] might be a source of worry for the purchaser. They have just instructed their solicitor yesterday but I haven't found one yet, preliminary enquiries didn't result in any clarity on the questions I posed. a] where do I find a CS who understands this and can share their knowledge with the buyer's CS?   I've no idea what the outstanding balance is as the council has not been in touch. I appealed many years ago and it wasn't resolved. I did do a SAR with the council and nothing came back from the Finance dept. so I was hoping my appeal had been accepted and the debt 'wiped' but they hadn't bothered to contact me. There were lots of changes up to the new Care Act 2014 which came into force on 01.04.15    Repeal: I was relying on the meaning below? Hence again I thought that's why the council hadn't pursued the debt and was just leaving the CO [or restriction] on the register to keep me on my toes!   If a government repeals a law, it causes that law no longer to have any legal force.   Thanks
    • The issue is 2-fold (both related to perceived risk, in a very risk-averse profession): a) will you find a conveyancer who will agree and follow that they needn't worry, and just notify once sold, and b) buyer's wil be put off if their conveyancer says "well, there is a risk".....   The combination of these may be that unless you get very lucky, you'll only get interest in a sale if an undertaking to settle the outstanding sum is made.   As for the repeal : I imaging that it will prevent new charges / restrictions from when it came into force, not revoke pre-existing ones.
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mjc007.5

Halifax Credit Card

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Newbie just starting to sort out my own personal debt mess!

 

I have recieved correspondence from the "retail bank collections" department of the above (PO box 718 in Leeds!) ( to date I have offered token payment, no reply, requested do not phone, continued to call despite my refusing to give security details and now robot calls! :mad:, standard threat letters saying pay now, charges being added etc) which states:

 

"IMPORTANT NOTICE"

Our representative will be calling your home on:23rd June 2009

PLEASE TELEPHONE 08452000580 IF THIS IS NOT CONVENIENT!

 

Now before I found the good people here I might have read this to mean I have a door step collector due and probably would have called them to be subjected to the usual telephone harrasment. I realise that this is the intention of the notice so will not call them but what would be the best way to play it? My initial thoughts were continue the minimum repayment, further copies of previous correspondence together with a letter saying do not visit?? (I am sure I have seen it on here somewhere but cannot find at present).

 

Is this about right? Should I add/consider anything further? Any advice gratefully recieved (just about to fall of the edge with a number of unsecured debts and it is getting very stressful!). Many thanks

:-)


MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Hi and welcome to the CAG. you will get all the help you need.

 

For now, don't talk tto them on the phone. They will bully, bluff and threaten to take you first born if you don't do what they say. Utter rollocks.

They have no power over you. Only the courts have that power so from now on treat them with contempt. (unless they treat you nicely of course:D)

 

Here is a letter to send them and keep a copy by your door just in case someone actually turns up to take your doorstep:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-.html

 

Send by recorded delivery.

Don't sign it

 

good luck

 

fox


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi and welcome. :)

 

Are you looking to see whether your agreement is enforceable or just to reduce payments?

 

Spam.:)

 

I did have more but silverfox beat me to it..;-)

Edited by Spamalot
silverfox sneaked in while I wasn't looking

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Spam and fox thank you very much indeed - This site has already started to show me the way and it is very reassuring to know there are many people out there in the same boat. The really frustrating thing is that in trying to do the right thing I end up feeling worse that if I just disappear and loose contact with the lot of them!! :(

 

Spam - initially intent was to freeze charges, make mininum payment and then review 6 months (this is what I asked for with no reply). I guess as they and others (Barclaycard, Citi and various payday loans) escalate their harrasment I am becoming more inclined towards a militant approach.

 

Once I have fired of the doorstep visit letter should I be asking for the agreement or a subject access request? I have read on the site that if I ask for the agreement in a particular way I am only likely to get a copy and without a signature (will this suffice for now deciding if agreement is enforceable??).

 

Very grateful for the help and support :)


MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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If you send a request for a copy of your agreement under s77/78 Consumer Credit act they have 12+ 2 days to respond with a copy of your agreement...If they do not comply in that time you can put the account into dispute and refuse to pay until they come up with the goods!

 

How old is the account by the way?

 

If you send a SAR you can also ask for a copy of the agreement and any statements for the account.... that way you can claim back unlawful charges.

 

Depending on what you get back or how long they take to respond is how you take it from there..

 

Halifax did freeze my interest and put me on a payment Plan but I am now querying my agreement because I have some dodgy paperwork sent by themselves and I'm hoping to take it further. :D

 

Good Luck.

 

Spam.:)

  • Haha 1

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Hiya - fairly new agreement (under 2 years) and so from what I read on here more likely to be enforceable. However, with what has gone on in the banking sector and the tales I have read since arriving at CAG feel worth a go at asking for the agreement at least. Will save the SAR for down the line!

 

Many thanks :grin:


MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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