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    • Barclays 83.28 N 1.00 PRA Group 837.93 N 3.04 Moorcroft Debt Recovery Ltd 746.61 N 2.73 Robinson Way & Company Limited 660.82 N 2.42 Lowell Financial 12,235.40 N 44.17 1st Credit Ltd 7,554.04 N 27.27 Moorcroft Debt Recovery Ltd 287.10 N 1.05 Cabot Financial Ltd 855.83 N 3.14 Cabot Financial Ltd 200.48 N 1.00 Cabot Financial Ltd 608.08 N 2.23 Cabot Financial Ltd 609.30 N 2.23 Robinson Way & Company Limited 66.77 N 1.00 NCO Europe LTD 883.67 N 3.23 Capital One Bank 582.80 N 2.12 Wescot Credit Services Ltd 9,251.99 N 33.74 Cabot Financial Ltd 6,765.31 N 24.80 Lowell Financial 323.92 N 1.17 Idem Servicing 170.69 N 1.00 Idem Servicing 122.30 N 1.00 Cabot Financial Ltd 626.10 N 2.29 Moorcroft Debt Recovery Ltd 248.08 N 1.00 Moorcroft Debt Recovery Ltd 86.58 N 1.00 Anglian Water 670.43 N 2.42 Moorcroft Debt Recovery Ltd 125.76 N 1.00 Lendable 10,000.00 N 0.00 Vanquis Bank Ltd 4,000.00 N 0.00 Vanquis Bank Ltd 4,000.00 N 0.00   sorry its all condensed,  thats how is on the paper, , far as know that is it apart from his car, he is currently in a hotel as needs find somewhere to live    
    • I suggest that you write to the breeder immediately with a copy to the court and concede the cost of the puppy and also concede the excess costs for bringing that element of the claim. you will simply be conceding two points which frankly I don't think you can possibly win and it means that you're left with claims which are entirely winnable. Moreover the gesture of having written to the breeder making these concessions will show that you have tried hard to avoid litigation  and trouble and inconvenience to the court. even if the breeder refuses it, it will go to your credit that you have done this.    
    • Thank you. At this point I'm not sure how right or wrong I am.    But based on our conversation this evening I have gone back to the breeder via message and pointed out to them that I offer them one final chance to settle at 900 pounds.    They informed me their vets only said this treatment would cost 500. The same vets who don't notice a puppy who cant open his eyes.    And they are willing to settle at 500 as a gesture of good will. Ha! And this is why they wanted to mediate  to put this offer over. I advised that we wouldn't take less than 900 as a settlement. They arent interested.   I had to be quick as the money we used is our savings for some private health treatment we need to back in our banks by next month so really left me no choice but to bite the bullet and try and get this solved sooner rather than later     I appreciate your advice and hope the courts understand the full picture. 
    • Sorry for the additional post, I couldn't edit.   In Nolans letter uploaded in post #48, is that sufficient NOA? or does it have to be provided by the OC or Cabot?
    • After a brief consultation, the Financial Conduct Authority has now confirmed the tailored support measures for overdraft and consumer credit users affected by Covid-19. View the full article
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

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I was just wondering if anyone can point me in the right direction?


I've tried debt consolidation loans which only make problems 10x worse in my experience.


In my searches for other solutions, I've looked at IVAs (don't qualify), Debt Releif Orders (don't qualify due to having a car worth £1200), and can't afford to go bankrupt. Is there anything out there to help? I have about 7.5k worth of debt, and am currently scraping by on income support/child tax credits. Should I just whack the side wing of my car to cause £250 worth of damage to make it worth less? It is a serious thought now lol. CAB haven't exactly been helpful with this (I basically got 'told off' for having to go on income support after building up debt, which I would have carried on working if I could.) Oh.. and I didn't take protection out on any of the debt.


I would really appreciate any replies or advice.

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The debt management plan is another option for you.

There are free of charge DMPs out there.

You would just need to contact them, give them details of your debts and your incoem and expenditure. They would then gain all of the outstanding balances on the accounts and write to your creditors about the DMP. You would then need to set up a DD or SO with the DMP to make your monthly payments to (you would need a minimum surplus of £50), and these payments would get distributed to your creditors each month on a pro rata basis.

I do believe DMPs are a good, flexible option to get you back on your feet and more in control. You will not have the stress of having to deal with letters, legal action and making payments as the DMP would do it all on your behalf x

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The cccs are quite good, they are a charity funded by the banks and don't charge for anything, with a debt management plan they will deal with all your creditors on your behalf so all the nasty letters should stop.


Last time I spoke to them the deal was a minimum of £5 per creditor and if you can't afford that they will send you forms which you complete yourself and send to each creditor with a proposal to pay as little as £1 to each. Just having it all listed on the cccs forms is often enough for them to accept it but not always. If you can afford £5 per creditor it's best to let the cccs do it all for you. Check out their web site for more details. They can also give advice on bankruptcy (and help with fees) if that is the right option for you.


Good luck

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Hi I've been advised by the CCCS to do the same. ( Pay £1.00) I'm waiting for the parachute account which they reccomended to become active. What I'm trying to understand is: how binding the DMP is on the creditors and how long it can be in place for before they are allowed to reasonably take action to increase the payments, or find some othe rmeans of demanding money.


They CCCS gave the impression the creditors would accept this as a temoprary solution for a few months. It would be worth knowing what other

options there are for the future.

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Firstly a DMP is only really worth doing if you really think your situation will improve within a year or 2 at the most, and you'll eventually be able to repay the debt in full, agree a settlement figure (less than that owed), or get the account back to an agreed monthly payment for the loan term. The last option will probably not be available if they have already terminated your original account/agreement and passed it to a DCA.


Secondly a DMP does not bind any creditor to anything. It's simply an "informal" agreement to make low monthly payments until your situation improves. This is the case whether you do it yourself, with the advice of and using the forms supplied by the cccs, or by letting the cccs do it all for you. The creditors have no obligation to accept the lower payment amount and could take action against you at any time.


However (and it is a big "However"). The fact is, if you agree to pay something towards the debt each month (even if it is just £1), you accept that the debt is yours and that you are taking the matter seriously, you always reply to them when they contact you (this can be by post only, you don't need to give out your phone number), and you always make some sort of payment every month without fail, they will "almost never" take any legal action against you. This is the advice I was given by the cccs on several different occasions and my own experience - I never had any legal action against me in 4 years of struggling and making token payments.


Although they "can" take action against you they never really want to. It's a pain for them to deal with, time consuming, and expensive if they get nowhere anyway. Also if you've completed a financial budget plan, made a repayment proposal, and it all looks both realistic and fair, then there is no advantage for them in taking any action.


As far as a creditor petitioning for your bankruptcy, this rarely happens. It's just too expensive for them and they rarely get a decent amount of money for their time, money and effort.


I had a cccs DMP I managed myself for nearly 3 years (should have given up after a year :oops:) and in most cases (even where the loan balance was nearly £20k) they accepted £1 per month for all that time, no questions asked. In my experience, if you have a cccs number and send them the relevant forms they "usually" agree to very small payments. Not always though and people like Moorcroft can get quite nasty. It's just scare tactics though to get you to pay more than you can really afford. My advice is stick to your guns and don't leave yourself short. They're unlikely to take any action or send someone to your door if you are paying them something each month.


I hope this helps but please bear in mind that this is all just my experience, my opinions, and advice I've received from the cccs. What worked for me may not work for you (but it should really).

Edited by GottaDoit
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