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    • Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc.  The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on
    • threads merged  please keep to one thread per issue.   dx  
    • read it proprly.. it doesn't say WILL anything and original creditors don't do court as they don't want the judge delving into their business model nor the bad publicity.   as for the FOS you just have to let it run. yours is a very short time since yo put it into them typically it always takes 6-9mts normally before they move on anything though they usually send you an ACK they have the complaint.        
    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise.   Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings.   Any advice as to how I should proceed please?
    • Hi,   I received two PCNs in October 2019 from Havering Council. All the below applies to both PCNs, as the correspondences were at the same time:   Fast forward to February 2020, I file witness statements on grounds that I made representations within 28 days but did not receive a rejection notice.   The TEC cancelled charges.   Havering write to me asking for supporting evidence of representations that I made.   I email them screenshots with timestamps of the representations.   In early March Havering reply to me by email 'confirming receipt of email and both cases are now on hold pending an investigation. Please allow time for a full response to be sent.'   Fast forward to 18th June Havering write to me the attached:  Havering Charge Certificate.pdf   Now, it seems as though the sender of this letter is not up to date with both cases and is unaware of the TEC's decisions, as well as the email correspondence.   My questions are, 1) What should I do next? and 2) Is there a way to use their misstep to avoid paying for the PCN entirely?   Thank you.
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    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
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      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
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    • The controversial sub-prime lender says the City watchdog is investigating its practices.
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What's so special about him?:confused:

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he is the director of the jbw group of companies !!


So whats cooking today ?

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OK..... anyone know voodoo

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What a smug pri*K in my opinion he has also got a face I would not tire of puntching. I also hope that woman how stood in front of the car was charged with obstructing the queen's highway

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He was on the Homes under the Hammer programme, he paid £400K+ for a building and land and expected to make over a million out of developing it !!


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He was on the Homes under the Hammer programme, he paid £400K+ for a building and land and expected to make over a million out of developing it !!

 

I wonder how much of that money he got from causing missery to people I hope he was unable to sell it due to the credit crunch and made a massive loss.

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She was from whyte and co bailiffs


So whats cooking today ?

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She was from whyte and co bailiffs

 

She's Sue Whyte!


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This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thats what i thought but wasnt sure.


So whats cooking today ?

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The point about her is imo she obstruted traffic on the queens highway and should have been charged incidently if I saw her geting run down I would not even call her a medic

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How could you say that about a woman trying to show off on tv.


So whats cooking today ?

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What a smug pri*K in my opinion he has also got a face I would not tire of puntching.

 

I have to disagree, i think he's well fit!!! OMG - what am i saying??!!???!!:confused:

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ive just put it on my facebook asking peeps to join and help make debt a bit more humane ...

patrickq1


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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What really impressed me is that here we have people with real job satisfaction! How many of us can make this kind of money by extortion and blackmail? Besides the powertrip when you scare the living hell out of some poor, scared and witless single mother who cannot afford to pay her extortionate council tax. Life must be just rock'n roll.

Gustavius

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These are the reasons more people need to complain about them to the oft and have their consumer credit licence application cancelled or withdrawn. As it will be no good if we cant help vulnerable people.


So whats cooking today ?

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Believe me, l have tried. l have had some 4,600 people watching my thread and l have begged time after time that we all make a common effort to have, not only the bad and outright criminal bailiff's and their employers removed, but, a review of the entire system. This medevial and clearly interest motivated system is mainly directed against the poor and defenceless people. People with money and education can always get out of a tricky situation, but, the poor and less educated people will ultimately be victimized by these legalized robbers. ln a way it is like reading the old Robin Hood stories where the sheriff (bailiff) was the evil enforcer of the regents unreasonable tax demands and robbery of the people. Let's all be a part of Robins merry men and have a go at the evil bas...ds.

Gustavius

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We need to target our mp's and make them change the law. Incidently mr waller was on beat the bailiff and he made a smart arse coment to a chap who I am sure was going to smack him.

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She's Sue Whyte!

 

She describes herself as a "rottweiler" on the Bailiff TV programme which is a bit unfair on rottweilers , but oddly honest , as she is a rough old dog .

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She describes herself as a "rottweiler" on the Bailiff TV programme which is a bit unfair on rottweilers , but oddly honest , as she is a rough old dog .

 

 

l'm no friend of rottweilers, but, l agree in this case it is unfair to the rott weilers. Bailiff's are scavengers and opportunistic predators who will attack and gorge themselves on the defenceless or nearly dead. They are cowards and as such enjoy to torment and ultimately consume anyone who can not stand up and defend himself. We all know how they operate and at least to me, they remind me of how a pedophile operates namely, by stalking and worming themselves in and then slap the trap shut, particularily, on the weak and defenceless.

 

However, you must also ask yourselves why we have such a system in our society. Why is it that we always punish the weak and why is it that we can without hesitation kick women and children out of their homes for unpaid debt that has already been sold off to some faceless speculators sitting in Jersey or Cayman Islands? Why do we send a bank robber or train robber to 30 years in prison and a child molester to 2 years? In this country money is more worth than human life and we do not mind spilling a lot of it, but, God help you if you steal a few pennies. Until our priorities changes the system will remain and we shall continue to pay the major part of the taxes, bail out failing banks and support the rich and powerful so that they can send their children to Eaton and be guaranteed a future part in the ruling of this country. lf anything will go as predicted we will have a new government soon, with some 18 Eatonians ruling us and l for one, do not see any major changes coming our way, but, the opposit, a sway of new laws and regulations to further the rich and cream the poor.

Gustavius

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l'm no friend of rottweilers, but, l agree in this case it is unfair to the rott weilers. Bailiff's are scavengers and opportunistic predators who will attack and gorge themselves on the defenceless or nearly dead. They are cowards and as such enjoy to torment and ultimately consume anyone who can not stand up and defend himself. We all know how they operate and at least to me, they remind me of how a pedophile operates namely, by stalking and worming themselves in and then slap the trap shut, particularily, on the weak and defenceless.

 

However, you must also ask yourselves why we have such a system in our society. Why is it that we always punish the weak and why is it that we can without hesitation kick women and children out of their homes for unpaid debt that has already been sold off to some faceless speculators sitting in Jersey or Cayman Islands? Why do we send a bank robber or train robber to 30 years in prison and a child molester to 2 years? In this country money is more worth than human life and we do not mind spilling a lot of it, but, God help you if you steal a few pennies. Until our priorities changes the system will remain and we shall continue to pay the major part of the taxes, bail out failing banks and support the rich and powerful so that they can send their children to Eaton and be guaranteed a future part in the ruling of this country. lf anything will go as predicted we will have a new government soon, with some 18 Eatonians ruling us and l for one, do not see any major changes coming our way, but, the opposit, a sway of new laws and regulations to further the rich and cream the poor.

Gustavius

 

I see your point GR , but the politicians are sweating , hence both major parties are outdoing one another in pulling what they perceive as unpopular legislation . I.D cards , the provisions in the administration act that have got us outraged powers of entry for bailifs etc , privitisation of the Post Office , the sad fact is if no-one was looking they would have brought these travesties in , why did they draft them in the first place ?

i think these changes are in some part the result of sites like these . people getting empowered through information , which is encouraging .

As a lawyers son i remember at a young age realising that the Law was in place to protect property more than people , it has evolved from that not the other way round , but we do have rights and if used correctly we can be a David to their Goliath . P.s George Orwell was an old Etonian , Eric Liddell Blair , no relation .and he was not a moon faced twit .

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I see your point GR , but the politicians are sweating , hence both major parties are outdoing one another in pulling what they perceive as unpopular legislation . I.D cards , the provisions in the administration act that have got us outraged powers of entry for bailifs etc , privitisation of the Post Office , the sad fact is if no-one was looking they would have brought these travesties in , why did they draft them in the first place ?

i think these changes are in some part the result of sites like these . people getting empowered through information , which is encouraging .

As a lawyers son i remember at a young age realising that the Law was in place to protect property more than people , it has evolved from that not the other way round , but we do have rights and if used correctly we can be a David to their Goliath . P.s George Orwell was an old Etonian , Eric Liddell Blair , no relation .and he was not a moon faced twit .

 

 

A few points that l do agree with. True, the politicos have had to change underwear more than once lately thanks to their own greed and stupidity. But, let's not get fooled or lulled in to some sort of false security, deep inside nothing has changed. lf you come from a certain environment and is in the pay of articulated interests you will eventually return to your old habits. You must have heard of the ''trickle down'' theory, i.e. give those who have more and it will trickle down to the rest of us. further, too many of these elected representatives have ouside invilvement with the banks and/or other financial institutions. Do not ever forget that up on ''retiring'' from politics, our old master Tony got himself a cosy little job with the bankrupt Citibank for a tasty little fee of some £1,000,000.00 a year!! Why? Whatever Tony is one thing he is not and that is a financial expert.

Inside knowledge? Yeah, but, not enough to warrant a fee of that magnitude. No, it's a guaranteed positions as a thank you for past work. As long as we accept this outright immoral behaviour and even state that he deserves it, something is fundamentally wrong.

GR

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A few points that l do agree with. True, the politicos have had to change underwear more than once lately thanks to their own greed and stupidity. But, let's not get fooled or lulled in to some sort of false security, deep inside nothing has changed. lf you come from a certain environment and is in the pay of articulated interests you will eventually return to your old habits. You must have heard of the ''trickle down'' theory, i.e. give those who have more and it will trickle down to the rest of us. further, too many of these elected representatives have ouside invilvement with the banks and/or other financial institutions. Do not ever forget that up on ''retiring'' from politics, our old master Tony got himself a cosy little job with the bankrupt Citibank for a tasty little fee of some £1,000,000.00 a year!! Why? Whatever Tony is one thing he is not and that is a financial expert.

Inside knowledge? Yeah, but, not enough to warrant a fee of that magnitude. No, it's a guaranteed positions as a thank you for past work. As long as we accept this outright immoral behaviour and even state that he deserves it, something is fundamentally wrong.

GR

Please GR , can we not mention "Tony" again , this is a family friendly site and we don't want to upset the children or sensitive types viewing , if I think on that grinning traitor or his gurning one-eyed sidekick its back on the medication for me .

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Please GR , can we not mention "Tony" again , this is a family friendly site and we don't want to upset the children or sensitive types viewing , if I think on that grinning traitor or his gurning one-eyed sidekick its back on the medication for me .

 

For me it's too late, l'm already on prozac and your right, even to mention his name makes me have to have another little yellow pill.

GR

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Debt collectors whether they be certified bailiffs or not are **** - Had Mosley still been around these are the sort who would have joined his black shirts cos bullying & intimidation (particularly of the defenseless) is in the blood

 

How can any decent human being live off the misery of others & sleep at night

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