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    • I suddenly got a text message from CRS just a few minutes ago saying their solicitors had issued a letter of claim.   Yet a couple of weeks ago their page said they were no longer dealing with this account. Yet suddenly it's open again and they are sending a letter of claim?   Help?
    • 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      
    • Absolutely: The Homicide Act was repealed. So, after that they could no longer charge people for murder under the Homicide Act. (Not the greatest of examples, I accept, given murderers just get charged with murder being against the common law- but my point is:)   You can no longer be charged with Murder contrary to the homicide act. That doesn’t mean that those serving sentences for murder contrary to the Homicide Act, having been found guilty, had to be released the day the law was repealed.   Charges / restrictions couldn’t be placed under the repealed legislation (without e.g. a CCJ) once the Act was repealed. The repeal doesn’t mean existing charges / restrictions in force at the day of repeal have to be removed.
    • 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
  • Our picks

    • 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,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 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/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
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Recommended Posts

Has anyone done a debt mgt plan with payplan?

 

I am in discussions with them at the moment just interested in peoples feedback.....

 

Also, in general what do you all think to DMP's?

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Hi there,

 

Payplan do take the heat off you if you are being bombarded by creditors by letter and phone............and they do NOT charge a fee for their help. :D

 

However, if you decide to pursue your Consumer Credit Agreements with creditors and find that one/some are not compliant, Payplan may not stop the payment arrangement that has been agreed.

 

On the whole they are well worth considering.

 

You may wish to speak to CCCS as well; they offer a free service as well.


 

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Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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