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    • Hi All, before I start I know there are similar threads of the topic I am raising, and each, of course, has its own unique scenario, which may benefit others. My case is as follows: 1. I saw a gumtree ad on the 16th of Oct 2020 for a Mercedes E220 CDI, priced at 7,500 2. I called the seller and said I will come over on the 17th of Oct 2020 to view. 3. On the 17th of Oct 2020 I went to his place where he is working and viewed the car. He is working for a major car rental company. I checked the car and of course asked the normal things to ask e.g. any insurance write-offs, loans, accidents, etc. The seller said the car is clean etc.no loan, he had a loan but all is paid off etc. and he has the papers. 4. I negotiated the car price to 6,800 because the rims were showing some signs of damage, the rear light had a small burst, cosmetics, etc. I checked all but did not see any sign of damage to the car (it's a black car, the car was a bit dirty, and the sun was already setting in) 5. We agreed on 6,800 and decided to purchase the car. We went into his office, where I paid cash, and also got a Car Sales Invoice with all details of the seller, and a V5C green slip 6. I purchased car insurance and drove off. I asked him about Road Tax and he said Road tax is paid so I have not to worry, just need car insurance. 7. On 18th of Oct 2020 I cleaned the car interior because it was really dirty inside - it took me a few hours so decided to clean the exterior the next day 8. On the 19th of Oct 2020 I went to clean the exterior and after the car was clean I noticed some parts were resprayed. I became a bit suspicious; so on the 19th of Oct 2020 in the eve, I went on the internet and run an HPI check. The outcome from the HPI did not show any accidents, insurance write-off but an outstanding Loan with Moneybarn. At this point, I thought maybe the database is not updated, etc. 9. On the 20th of Oct 2020, morning, things were going through my mind; the seller said the car is clean, no issues, no loan since he settled all etc. but the HPI reports say there is still some outstanding loan. So what I did, I called Moneybarn, and explained the situation, and gave them the contract number as well (since it was displayed on the HPI report). They said they will send me a form by email, but they cannot share any information due to Data Protection (GDPR). fair enough I thought, but what made me boil, they said they OWN the car! So, I took the car and drove to the seller where he is working. I confronted him. He said don't worry, I will handle it, he has no time, he is very busy and bla bla bla. I said what reasons do I have to trust you, you lied, and now you say you still have a debt, etc. So I said I will not leave until he has settled the debt, or repay me my money. I also asked what is outstanding, he said around 7,000. Well, since I confronted him at his workplace he may have felt the heat, he assured he will settle all soon, I said sorry, I need a date, so I said you will settle the debt with Moneybarn by 23 Oct 2020, if not, you will refund me my money. He said Ok he will do it, so I said, since I don't trust you, you will sign a piece of paper, and sign it. On the paper, he wrote "I will clear the debt for the Mercedes by Friday" and signed it. I said I am not happy and added the debt details with contract number, and also a clause that if he fails to settle the debt with Moneybarn by Friday the 23rd of Oct 2020, he will refund me my money, 6,800, and sales of the car Mercedes, license plate, will be void. Also, I said to put an initial on each amendment I made with signature. He did, and I left. 10. On 22 Oct I sent him a message, to remind him to settle the debt by Friday 23 Oct 2020 noontime and also I outlined some legal jargon I had to sent that I received from citizensadvice. 11. On 23 Oct, morning time, I received a message from the seller, he said he will not/cannot refund me the money, not to visit him at his office or place, and that he feels threatened by me. 12. Now, the dilemma/headache; a). I received the form from Moneybarn on the 20th of Oct 2020 and I have to send it back within 7 days b). the seller send me a message he will not refund the money c). is the seller holding the title with Moneybarn or did he also buy and not knowing there is an outstanding loan on it d). did he sent the V5C to DVLA since I have the green slip? e). Shall I fill in the form and sent it to Moneybarn? f). If Moneybarn has all my details they may send someone to repossess the car? 13. I decided, I will not undertake anything yet, because my mind said, go there, confront him, park the car in front of the company since I purchased it there and signed all paperwork in their office, they will call the police, the police will come and surely will not do anything but will force me to remove the car and park somewhere else, record all on camera, take all evidence, sent to Moneybarn and at the same time to the seller's employer (when I asked him to sign a letter he will settle the debt by Friday 23rd of Oct 2020, he used a paper of the car rental company, and on the back, the logo of the rental company is displayed clearly and he may have acted on behalf of the company to sell me the car, after all, I don't know if he holds the title with Moneybarn - well, this is an excuse for me to even sue the car rental company, or blacklist him with the company he is working for since it seems he is some type of manager there and he may have acted in the capacity as a sales person to sell the car to me on behalf the company....). 14. So on the 23rd of Oct 2020, I didn't do anything like described under 13....it's not my style as such I called AWH solicitors, explained all, and they said one person is specialized in dealing with such cases and will call me back after studying my case and inform me if it is something they can fight or not. So they will call me Monday the 26th of Oct 2020. I also said I want to go now and confront the seller, but she said better wait till Monday, and if they can fight the case, they will tell me the next course of action - but my funds are limited and cannot afford a lengthy battle, because if no case against Moneybarn means I will have to sue the seller to the court which will cost me. The car has comprehensive insurance and with all this saga I added on the 20th of Oct 2020 also legal insurance on top. Lengthy story, but I am trying to be as detailed as I can, and yes I should have done an HPI before buying the car, but I am from Holland and car sales work there a bit different, and this is my first time I buy from a private seller. Well, once I have sent the form to Moneybarn, I will park the car in a garage, and at this stage, I am renting a room in a house (there is one more tenant). Since I am from Holland, I am planning a trip within 2 weeks to visit my family and I will drive down with the car and in the meanwhile wait if the solicitor can be of any help. I need some advice though, I am still planning to drive down to the seller on Tuesday after I talked with the solicitor, park the car in front of the company, and confront the seller, and try to record all. I will also try to make him sign a letter that I purchased the car in good faith from him (regardless if he holds the title with Moneybarn or not but at least I purchased in good faith from him). Evidence that I have: 1. Car sales invoice 2. Paper that I made him sign 3. Gumtree ad; I could retract this from google history, but the original add removed from gumtree. At least I can show it was advertised 4. I tried to create a history of past owners, total owners including me are 5. It seems the car was also posted on gumtree before by a company in Essex (I saw on google). The reason for doing this, it is very likely that the seller purchased the car from someone else with an outstanding loan. Since then I read a lot on the internet, so please any advice is welcome to pursue my case, I paid a lot and at least I want my money back. Also what I read so far, Moneybarn is not easy to deal with...thanks in advance for any advice I can use for my case.
    • Hi   I think you need to check not just the serial number but what Meter Point Reference Number (MPRN) as the MPRN is what is registered and energy supplier go off as well as the serial number.   So you need to see what the MPRN is as well as the energy supplier it is registered with.   If you look at this Ofgem link: https://www.ofgem.gov.uk/consumers/household-gas-and-electricity-guide/connections-and-moving-home/who-my-gas-or-electricity-supplier   In the above link to do this check it gives a link to:   Find My Supplier: https://www.findmysupplier.energy/webapp/index.html (note you may have to complete a captcha, then input your postcode only and click find my address, when the list comes up click on your exact address, you will then see you actual MPRN and the energy supplier linked to your address)   With the above make sure and take the details of the MPRN and the Energy Supplier, better still take a screenshot/pdf the webpage.   Please let use know if on doing the above it matches your current supplier?  
    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
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Mbna Cca Not Received Offered Settle


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PLEASE READ BELOW I HAVE ADDED A LINE INTO IT.

 

SHOULD I ASK THEM TO SEND ME A LETTER LIKE THIS.

 

Further to our recent communication, I can confirm that a settlement of £xxxx has been agreed on a balance of £xxxxx due by 23th October 2009.

 

Once payment is received, MBNA will register a partial settlement with licensed Credit Reference Agencies. However, you will not have to repay the remaining balance and MBNA will not pursue the matter further.NOR WILL IT PASS THE REMAINING DEBT ON TO ANY THIRD PARTY.

 

Once the xxxxx is received we can confirm this will be full and final settlement on the account.

If the specified payments are not received by the above date, the short settlement agreement will be null and void and the total debt will be due.

 

yes my m istake make sure the words full and final settlement of all outstanding matters between us is included

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Deleted my rant, read it again in the cold light of day and it was uncalled for, as Shadow said, only youseff knows his own circumstances and only he can guage whether or not to pay it, even though legally he would be obliged not too.

So please accept my apologies youseff, it is after all up to you to decide on the best course of action, I'll kick the cat next time I want to vent my spleen!

Edited by Bazooka Boo
Unfair & uncalled for comment..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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IMHO Youseff, I find it extremely irritating that after all of the solid and sound advice that has been given you, you're still unable to heed it.

 

You came here seeking good advice and have decided to ignore it, so hand over your hard earnt cash, and please don't waste my time and that of others if you are not going to listen to it;:-x

Can only agree, if you do not get Full and Final, they will sell it on and others will chase for the ballance.

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reportedly, it is a routine practice for MNBA to offer such settlements but the offers are worded very accurately to avoid any mentioning of 'full and final settlement'. It appears that they intentionally omit it in order to trick customers into thinking that paying 30% will put an end to it. In reality right after receiving this 30% payment they will resell the debt for another 10% (or so) of the outstanding balance to a DCA.

 

There is not point whatsoever to agree on anything but 'full and final settlement' and it was reported that MNBA is refusing f&f offers and simply fishing for customer who do not know the difference between "full and final" and partial.

 

What a lowlife...

--------------------------------------------------

Yorkshire Bank ~1200£ of charges reclaimed many moons ago, settled out of court

HSBC ~350£ of charges reclaimed many moons ago, settled out of court

HSBC ~4000£ flexiloan CCA request sent May 2009, 'sorry, we do not have your CCA' letter received June 2009, AccountInDispute letter sent.

HSBC ~9000£ CC CCA request sent May 2009, no response, AccountInDispute letter sent.

HSBC - preliminary letter for about 300£ of unfair charges plus interest sent May 2009, LBA sent June 2009, N1 POC and Schedule of charges submitted July 2009

Egg - CCA, SAR, "no more calls" letter, DMP offer sent July 2009. Got a DN from Egg - wont say a word on this one until court papers are received.

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Agree entirely with the other posts. You need to get a FULL AND FINAL, with the account balance showing 0 (ZERO) after any payment. Also I am told more "watertight" if a 3rd party makes the payment on your behalf.

 

Also, credit reporting should be SATISFIED IN FULL or PAID IN FULL.

 

Pointless to pay X%, even if at a big perceived discount, only to be chased for the rest. Anything less than a FULL AND FINAL is illusory.

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reportedly, it is a routine practice for MNBA to offer such settlements but the offers are worded very accurately to avoid any mentioning of 'full and final settlement'. It appears that they intentionally omit it in order to trick customers into thinking that paying 30% will put an end to it. In reality right after receiving this 30% payment they will resell the debt for another 10% (or so) of the outstanding balance to a DCA.

 

There is not point whatsoever to agree on anything but 'full and final settlement' and it was reported that MNBA is refusing f&f offers and simply fishing for customer who do not know the difference between "full and final" and partial.

 

What a lowlife...

Correct

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I have decided not to pay them, they said they will not put f&f

i tried to explain whats the difference, your just changing words, but she was being clever.

 

so i told her to stick it

 

they are idiots

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:D:DGOOD FOR YOU!!

 

Way to go youseff, now your talking my language:D

 

Lets see what goodys the postman brings you next week, sad acts.

 

Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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you did this over the phone? bad idea

 

if you still wanted to offer full and final to get rid of it you can send:

 

Account Number:

Dear Eejits

Thank you for your letter dated xx/xx/xx, in which you confirm that you are willing to accept £xxx.xx as settlement of the above account.

While admitting no liability for the account and the sum claimed as owing, I am willing to offer the sum of £xx as an ex-gratia payment in full and final settlement of the account.

This offer is made on the clear understanding that neither you nor any associate company will take any further action to attempt to enforce or pursue this debt in any way whatsoever and that any and all liability on our behalf will be fully discharged on receipt of the above stated monies.

This offer is made on the condition that of all adverse entries regarding this account are removed from our credit files with the credit reference agencies and is marked as satisfied in full.

Payment can be made within 2 weeks of receiving your written confirmation of your agreement of this offer and the subsequent terms of the offer. Please also identify your prefered method of payment and the details of making said payment.

Please note this offer will expire on (date - give them a couple of weeks) if no letter of unconditional acceptance is forthcoming and may not be repeated as this will then be offered to another credtor. This offer is not open to negotiation.

We look forward to receiving your reply.

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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Looks like we have a consensus here.

 

If one really wants to settle the account it might be possible to give them a counteroffer. By this I mean the following:

 

- Ask a third party (a relative), to write a cheque for let's say 30% (or less) of the full amount.

- Write on the cheque 'consideration for full and final settlement of account XXX'

- Attach it to a letter with text along the lines of IdaInFife's post. But note that by caching the attached cheque they accept the offer. Should they decline your offer they shall either return or destroy the cheque.

- Set up time of expiration of the offer, for example 30 days. This is to make sure that it does not come up all the sudden in 3 years time.

- State in the letter that this payment is done by a third party exclusively for the purpose of paying consideration for this offer and shall not be used for any other purpose whatsoever.

 

I think that if they cash the cheque this means they accept the offer and bind themselves into a contract which will be virtually impossible to get out of.

 

This approach is a bit cheeky since greed might be just too strong and they probably would not even read attached letter.

--------------------------------------------------

Yorkshire Bank ~1200£ of charges reclaimed many moons ago, settled out of court

HSBC ~350£ of charges reclaimed many moons ago, settled out of court

HSBC ~4000£ flexiloan CCA request sent May 2009, 'sorry, we do not have your CCA' letter received June 2009, AccountInDispute letter sent.

HSBC ~9000£ CC CCA request sent May 2009, no response, AccountInDispute letter sent.

HSBC - preliminary letter for about 300£ of unfair charges plus interest sent May 2009, LBA sent June 2009, N1 POC and Schedule of charges submitted July 2009

Egg - CCA, SAR, "no more calls" letter, DMP offer sent July 2009. Got a DN from Egg - wont say a word on this one until court papers are received.

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I think that if they cash the cheque this means they accept the offer and bind themselves into a contract which will be virtually impossible to get out of.

This approach is a bit cheeky since greed might be just too strong and they probably would not even read attached letter.

I know that this requires an undertaking from both sides. Be carefull not to prejudice the case with this payment as it appears their is no valid cca. Case is stacked well in favour of Debtor. But they are clever B*******s you are dealing with as you can tell.

Edited by overdone
info added

If my post helped you feel better, click my scales.

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you did this over the phone? bad idea

 

Ida, yousef has repeatedly been advised not to entertain them over the phone, advice which has been ignored unfortunately, and they have still not been able to provide the OP with a valid CCA, the account is in dispute and therefore they should not be enforcing 'any' collection activity.

 

You can lead a horse to water, but you can't make him drink!

 

And this is exactly the case with the OP, all good solid advice has been given, it is up to the OP to use it to his advantage.:|

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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you did this over the phone? bad idea

 

if you still wanted to offer full and final to get rid of it you can send:

 

Account Number:

Dear Eejits

Thank you for your letter dated xx/xx/xx, in which you confirm that you are willing to accept £xxx.xx as settlement of the above account.

While admitting no liability for the account and the sum claimed as owing, I am willing to offer the sum of £xx as an ex-gratia payment in full and final settlement of the account.

This offer is made on the clear understanding that neither you nor any associate company will take any further action to attempt to enforce or pursue this debt in any way whatsoever and that any and all liability on our behalf will be fully discharged on receipt of the above stated monies.

This offer is made on the condition that of all adverse entries regarding this account are removed from our credit files with the credit reference agencies and is marked as satisfied in full.

Payment can be made within 2 weeks of receiving your written confirmation of your agreement of this offer and the subsequent terms of the offer. Please also identify your prefered method of payment and the details of making said payment.

Please note this offer will expire on (date - give them a couple of weeks) if no letter of unconditional acceptance is forthcoming and may not be repeated as this will then be offered to another credtor. This offer is not open to negotiation.

We look forward to receiving your reply.

 

ida x

 

if they made their offer under "without prejudice", i would write them an open letter and refer to their offer to settle,( but without stating the actual amount) then state that you would have been prepared to accept their offer of a settlement but have been unable to do so as you feel that their refusal to mark this a full and final settlement and allay your concerns that they would then sell the balance of the alleged debt to a third party tends towards the offer being disingenuous

 

 

 

further- i would also advise anyone, who is offering or considering offers from the other side to settle NEVER to give the impression that you will do so from your own funds

 

a DCA or creditor offering you a part settlement will often do so to "fish" for evidence that you might have capital funds knocking around - they will be encouraged if you then start bartering that they may be on the right track.

 

FAR better to point out that any funds to settle a debt will be arranged from a third party and that a condition of the funds is that the third party will pay the agreed funds directly to the creditor via their own solicitors (you do not HAVE to stick to this route once the creditor has formally agreed).

 

IMO of course

Edited by diddydicky
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A very good and valid point DD, IMO any offer of a F&F payment should only ever be made, then paid from a 3rd party and be accepted within a reasonable period of time, pretty much the same timescales these clowns give out to alleged debtors!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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THANKS FOR THAT, IT WAS ACTUALLY DONE VIA EMAIL.

AS THEY SENT ME THE LETTER THROUGH EMAIL AND HARD COPY

 

EMAIL AS FOLLOWS

 

hi Mr xxxxxx

The settlement agreed by our head of department is xxxxx of your £xxxxx balance. We cannot reduce any further, also the letter that you will receive will not be amended as this is a standard letter that has been approved by our legal team. If you wish to proceed with original agreed terms then contact me on 01244671026 ext 14962

 

may be i should send them the above letter. even if they don't accept, at least i will have proof i tried to come to arrangement if this matter goes any further.

 

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THANKS FOR THAT, IT WAS ACTUALLY DONE VIA EMAIL.

AS THEY SENT ME THE LETTER THROUGH EMAIL AND HARD COPY

 

EMAIL AS FOLLOWS

 

hi Mr xxxxxx

The settlement agreed by our head of department is xxxxx of your £xxxxx balance. We cannot reduce any further, also the letter that you will receive will not be amended as this is a standard letter that has been approved by our legal team. If you wish to proceed with original agreed terms then contact me on 01244671026 ext 14962

 

 

may be i should send them the above letter. even if they don't accept, at least i will have proof i tried to come to arrangement if this matter goes any further.

 

 

Send it if you wish, but do not accept a short settlement.

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THANKS FOR THAT, IT WAS ACTUALLY DONE VIA EMAIL.

AS THEY SENT ME THE LETTER THROUGH EMAIL AND HARD COPY

 

EMAIL AS FOLLOWS

 

hi Mr xxxxxx

The settlement agreed by our head of department is xxxxx of your £xxxxx balance. We cannot reduce any further, also the letter that you will receive will not be amended as this is a standard letter that has been approved by our legal team. If you wish to proceed with original agreed terms then contact me on 01244671026 ext 14962

 

may be i should send them the above letter. even if they don't accept, at least i will have proof i tried to come to arrangement if this matter goes any further.

 

 

i would write as i have suggested- your open letter can be referred to in court if needs be

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In any case this is all smoke and mirrors, they have no intention of any full and final settlements, just looking for naive, stupid and gulible to take on their 'partial settlement' rip-off. One is better off paying 1£ month than accepting their offer. The consequences are the same, except taking on their offer will cost much much more.

--------------------------------------------------

Yorkshire Bank ~1200£ of charges reclaimed many moons ago, settled out of court

HSBC ~350£ of charges reclaimed many moons ago, settled out of court

HSBC ~4000£ flexiloan CCA request sent May 2009, 'sorry, we do not have your CCA' letter received June 2009, AccountInDispute letter sent.

HSBC ~9000£ CC CCA request sent May 2009, no response, AccountInDispute letter sent.

HSBC - preliminary letter for about 300£ of unfair charges plus interest sent May 2009, LBA sent June 2009, N1 POC and Schedule of charges submitted July 2009

Egg - CCA, SAR, "no more calls" letter, DMP offer sent July 2009. Got a DN from Egg - wont say a word on this one until court papers are received.

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Yousef has already told them to stick it where the sun don't shine.

And regardless of all the advise being given, it is up to yousef to use it how he sees fit.

 

The fact that they cannot provide any evidence as to the agreement is sufficient evidence for me to tell them to foxtrot Oscar!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi All, what is the difference if you put "prejudice" on an offer if there is no cca? I am getting confused as some say you can put it and some say don't?

 

thanks Reader

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Hi All, what is the difference if you put "prejudice" on an offer if there is no cca? I am getting confused as some say you can put it and some say don't?

 

thanks Reader

 

"Without Prejudice" is used to protect the sending party from disclosure in open court of an offer which may be seen as a perceived weakness of case or even acceptance of the debt.

 

These offers can only be disclosed if a) both parties agree b) the one making the offer refers to it in open court or c) at costs stage.

 

If you make a financial offer and dont head it "without prejudice" then you are in fact acknowledging the debt and your offer of repayment of said debt. If you know they have proof that it is your debt and your not seeking to deny the debt is yours just that the claimant has a right to collect then its not such a big issue imo.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Hi, wondered if anyone here could help. We're in the middle of a court battle and have just received an offer for full and final settlement. We don't have any relatives who would be able to afford anywhere near what they're asking (around £7k). If we write back refusing, can we make a much lower offer later on? (if by chance someone is able to help us at some stage in future....)

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Hi, wondered if anyone here could help. We're in the middle of a court battle and have just received an offer for full and final settlement. We don't have any relatives who would be able to afford anywhere near what they're asking (around £7k). If we write back refusing, can we make a much lower offer later on? (if by chance someone is able to help us at some stage in future....)

 

Can you start your own thread, so that people are able to help you.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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