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    • nothing new always been that way for 25+yrs now i had voip lines with NTL back in the late 90's which is why a real trucall box or a handset with real truecall software in it is SO good.   on average i get about 25-35 of these calls a month NONE get thru  the ones that spoof UK or mobile numbers are still screened are easily dealt with the truecall system   if they are real, the only thing they have to do is speak and you get an alert ring to listen to whom call with the option to accept or ZZapp them. once zapped that number never gets thru again.   its worthy to note that the scammers only ever use disconnected numbers, or fake numbers after a known local UK dialling code well the truecall software already knows these numbers as it gets the same databases the scammers use. if the number doesnt come up on the fake/disconnected list, it also then checks if the UK number is listed active UK and will auto put people thru   very clever little device worth every penny and mine is from 2006 when i joined CAG.
    • No the info on comms log isn't quite right,   I hadn't worked since Xmas due to bereavement but I wasn't staying in Somerset since the Xmas. The comms log is very deceitful indeed and after I had finished evaluating it fully I came to the conclusion MB are very manipulative, they lie, cheat and twist the truth, but it only takes the slightest slip up and everything crumbles.   You see in order for MB to have taken any further steps they have to be entitled to take them. So when they lie and try to deceive the truth prevails 😊, so to send a copy of a Default Sums Notice dated 15/1/17 that doesn't exist on the log anywhere and Ive never had the original and then fail to include one in the SAR that is listed on the log as generated on 18/1/17 (not had this one either)  doesn't the consequence of that 1 act prevent them from any further action until the notices are served    86 (e) Notice of default sums (5)If the creditor or owner fails to give the debtor or hirer the notice under this section within the period mentioned in subsection (2), he shall not be entitled to enforce the agreement until the notice is given to the debtor or hirer.       But I am reducing the complaint and sticking to basics
    • keep to recent threads/ifo.   things have changed since the new Conc rules replaced the old rubbish a debt owner must either put up or shut up did you not read the SB letter yourself?      
    • cnt see any indication of what the devil the IVa company were upto in court just because the IVA failed. i can see it was done thru PayPlan, bit it wouldn't have been payplan that did it some fleecing mob like Harrington Brooks or alike.  
    • threads merged  reading up now.   dx  
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buy now pay later and bankruptcy?


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hi, i purchased a bed from dreams on buy now pay later through barclays finance.it is due to be paid in june next year.

unfortunately it looks like i will have to go bankrupt in the next few months although im trying my best to cope and havent defaulted on anything yet.

the bed cost 3,800 pounds.will i have to hand the finance agreement to the OR? will the bed get taken away? thankyou.

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Is it a credit agreement or HP?

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erm....im not sure .i know that i have to pay the full 3,800 in june which is interest free.if however i dont pay the full sum in june then barclays will take 200 pounds a month out of my bank and the total amount paid will be a hell of a lot more because of interest.

does that help?

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It sounds like a credit agreement in which case they cannot repossess the goods and you should declare it in your bankruptcy.

 

Do you still have your copy of the agreement? If you do it should state at the top Credit Agreement Regulated Under The Consumer Credit Act 1974.

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thankyou very much for your help cerberusalert.i think i do recall seeing that.i have still got the agreement and i will dig it out tomorrow.would i have to put the bed as an asset on the bankruptcy forms or not as i am hoping that the OR wont take it.

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A bed is a necessity not an asset.

 

Items excluded from Bankruptcy

 

It is only reasonable that you be allowed to keep essential items and are not impeded from earning a living. Items which can to be excluded from bankruptcy include:-

Household items essential for basic domestic needs. e.g. Clothes, Furniture, TV etc.

A modest vehicle depending on circumstances.

A residential tenancy.

Items needed for trade or employment such as tools and computing equipment.

Money held in pension funds.

Money obtained from a student loan, if a balance of the loan remains payable.

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The following link explains more. ;)

 

Bankruptcy Advice - Money Advice and Information - CCCS

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good evening cerberusalert :)

ive got my copy of what i signed here and i think it is as you said.it says it is a fixed sum loan agreement regulated by the consumer credit act 1974.it also has the cca74 part written again in the box that i signed in.

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Yep it's a credit agreement & you can include it.

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A lot of companies will make it sound as though the loans are secured against household items, such as sofas, computers etc, especially HFC. This is a way for them to get the payment from you, as if not you would be left thinking that these items would be takena way from you. In actual fact as stated in the above posts, 9 times out of 10, loans are not secured on household items, therefore this would not be taken away in bankruptcy, and your full loan would be included.

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