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    • I posted here in March to see if 25 years, or when I turned 50, was when my SLC student loan (taken out 1997) was written off, and it was confirmed to me then.   However, I did some googling about it and now they say loans from my time are written off after 30 years, as in (I assume) a change in government policy.   Is this true or not? I tried contacting Erudio, but no reply as yet.  
    • The elephant in Housing costs are Council Tax  and leasehold Service Charges.......
    • hi Andy how is that reading now. Can I post this on Mondays or does it have to be there on Monday just got home and my printer is now broken hear date 11/09/21.   In The county court AT XXXXX CLAIM NO: BETWEEN: XXXXXXXXXXXXXXXX Claimant - -and- XXXXXXXXXXXXXXXXX Defendant  WITNESS STATEMANT OF XXXXXXXXXX    I.XXXXXXXXX the defendant in this claim make the following statement believing it to be true will state as follows:-   1.It is admitted the defendant entering into a short term Pay Day Loan agreement for the sum of £400.00 plus 4 months interest totalling £600.48 from Moneyboat.co.uk.   2.It is denied that I defaulted on an “agreement”, as the Defendant has made a first payment of £150.13  towards the amount agreed to be repaid which was not been deducted or taken into consideration and the claimant continued to demand the full total amount from the agreement stated in #1. The claimant rejected email correspondence of a formal request for assistance during the ongoing Covid pandemic pursuant to the UK Government Legislation at which time I was placed on Furlough by my Employer and worried that it would be difficult to make a payment due to my financial situation.The claimant offered a confusing payment alternative that did not reflect the true status of my loan. exhibit 1    3. It is denied I failed to abide by the Terms and Conditions of the agreement as at no point did the claimant contact myself to offer assistance to make alternative payments to which I could repay.   4. It is admitted that the claimant was issued a CCA requestasking to supply me with a true copy of the alleged agreement they referred to. This is my right under their obligation to supply a copy of the agreement under the legislation contained within Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) in on the 25/11/2020   Namely to show how I entered into an agreement Show how the claimant quantified the amount claimed   a £1 postal order also attached to the CCA request to which the claimant informed me by email that the £1 postal order was then used as payment towards the loan amount. Exhibit 2   5.The Claimant has not served a Default Notice pursuant to sec87 of the CCA1974.   Need for default notice.   (1)Service of a notice on the debtor or hirer in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement,— (a) to terminate the agreement, or (b) to demand earlier payment of any sum   6. As per Civil Procedure Rule 16.5(4), the Claimant has failed to prove the allegation that the full correct amount of money is owed.   7. My defence stated that the claimant failed to serve notice and it is denied that the Claimant is entitled to the relief claimed or any relief entitled.   I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   Signed ……………….   Dated on the day ……………….   Thanks G
    • or   if thats from your useless solicitor ignore him. simply contact the sheriffs office yourself!! cost <£100.   Instruct us – The Sheriffs Office WWW.THESHERIFFSOFFICE.COM    
    • Could you remind me which post please, TJ?   Marina Hyde has a new opinion piece out, very aptly put and entirely in the PM's favour. If only the UK could panic-buy prime ministers who know what they’re doing | Marina Hyde | The Guardian WWW.THEGUARDIAN.COM Boris Johnson was in New York this week, trying to dodge awkward conversations and ignore domestic shortages, says Guardian columnist...  
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The end of free banking... It'll never happen!


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Talking about free banking, has anyone else noticed that over the last year cheques have been quietly fazed out? Since we all have a debit card and cash point cards the banks now only let us have money that is our own and if they simply refuse d/d and s/o that we have no money to cover we couldn't get into debt with the banks but would be chased by the company we tried to pay instead.

I think cheques have been phased out gradually over the last 20 years - since the invention of the debit card. This is more the fault of Joe public and retailers than the banks I suspect, who will just meet whatever the demand is.


I can't remember the last time I used a cheque - even the milkman takes plastic :eek:

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And now the banks (or more accurately the card companies) are in hot water for the fees they charge. I love progress, cheques which cost me nothing are replaced with a 'convenient' card which more and more companies pass on the fees they are charged to the consumer. Or maybe I'm just in a bad mood today :p

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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I do not work for a bank, I am an unfortunate consumer. I am 60 years old and remember well the old banking system whre you were charged so much per cheque (in advance when the cheque book was issued) and were also charged per transaction.


Let's face facts boys and girls, bans are there, bot to provide any kind of service, but primarily to make as much money as possible for their shareholders. Whether banking is free or fee based is largely irrelevant. They are going to make the same amount of money whichever way they run. Every time successive governments have introduced laws and/or regulations to control banks 'excesses', the banking industry jointly and severally have fought viciously to maintain their current status quo. When they have eventually had to grudgingly concede ground, they immediately recoup their original position in some other devious way, working their way through the law and the system like rats through a sewer pipe. It is no accident that money tends to be referred to as 'Filthy Lucre'.


There are a number of glaring eroors on this thread:


1. Not everyone has or can get a debit card. I can assure you that there are hundreds of thousands of the poorest and ,ost vulnerable who cannot get one.


2. Cheques are being phased out because it is approaching the time when Banks will be forced to clear cheques overnight. Banks claim it is a security issue but we all know that it is not. On the same subject, 'Working Days'. We all know that banks and financial institutions process transactions 24/7 every day of the year except Christmas day, so why pretend that only Monday to Friday are working days?


3. I have been reliably informed by a very senior banking official (a few years ago admittedly) that every £1 left in a bank account for twenty four hours makes the bank around 25 pence. That is a lot of money isn't it?


4. Has anyone realised that to some people like a state pensioner (or Pension Credit recipient) receiving the bare minimum legal income, even £5.00 per month bank fee would be a sore blow.


People. The only way that the banking industry can be made to toe the line is to hit them where it hurts. Successive governments have shied away from making any real effort to control the banks.


I know if I were in a position to do so I would call the Financial Mandarins together and tell them, Act in a fair and equitable manner as set forth by the regulators or see ALL you profits treated as windfalls and taxed at 70%, with immediate effect. The sound of rectums snapping shut would be deafening. The there would be a scramble to make themselves APPEAR as consumer friendly as possible. Lets face it guys the banks make obscene profits and pay very little tax.


Just my take on things, I am an ordinary man, the man in the street, or as a judge so succinctly one put it, 'The Man on The Clapham Omnibus'. But in common with al;most everyone else I have been subject to the 'abus' of financial institutions of one kind or another for most of my life, so forgive me if my view is somewhat jaded.

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