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    • I have been living with my partner since 2013. But after the birth of our son in 2014 things became unstuck. We were living together but I was making plans to move out, even viewed properties etc and therefore began claiming CTC and WTC to ensure that I could afford to go it alone. Eventually we worked it out but it has been on and off for years. In addition to this, I was in a lot of debt, had lost my job and knew that (selfishly) I needed the tax credits to keep my head above water.  My partner has no idea that I was claiming and if he finds this out he will leave me for sure. The house, the bills, everything is in his name. I work but I dont make enough money to contribute to the house as well as pay all my existing debts (my partner doesn’t know about half of these either). I  once had a bailiff call at the house and I had to tell him about it. He was so angry and mortified (as was I) and I just feel like I am bringing so much shame onto our family. I have been living this lie for 6 years and I couldn’t find a way out of it. I know I have made a huge mistake. I just want to pay it back and try to move on from it. I’m worried that I will have to go to court, prison, or they will want to speak to my partner about it. I really don’t want him to know about this because it’s so shameful. From my estimations it could be between 28-30K. I have absolutely no idea how I will pay it back, as we wouldn’t be able to claim any further credits as a joint claim because he earns too much money.  I haven’t eaten or slept in days. I feel physically sick and I just can’t cope with the guilt and humiliation. I did make false claims and now I’m worried I will pay the ultimate price and lose everything I have.    
    • Hi All,   Hoping for a little help and advice please.   This company Link Financial are chasing me for a debt that I had as a credit card with Royal Bank of Scotland. Out of the blue and having no correspondence from RBS a few year back this company claimed I now owed them the sum of money. I have written in response stating I do not acknowledge any debt to Link financial and asked them to supply evidence of liability. I also requested a true copy of the alleged agreement, a full statement of account, a signed true copy of assignment and any other documents referred to in the agreement. I also enclosed  a £1 payment for the credit agreement request and clearly stated that this £1 payment under no circumstances should be set aside for any alleged debt and if the documentation can't be supplied the fee should be returned.   Link's response was just a small statement of account with credit agreement number, account number (same as the RBS number), date of agreement and transaction sheet where they had taken the £1 fee off the debt value after I asked them not to. There was no true copy of assignment, true copy of alleged agreement or evidence of liability.   For reference, In 2009 my debts started to mount after my wife I had lost a child and we weren't at work for months, so ended up paying the mortgage on a credit card. Eventually it got too much and the RBS took me to county court in 2011 where I received a CCJ and then RBS was granted a charging order on my property which is in my name only. I was ordered to pay a monthly fee.    I received my first letter from Link in 2016 just stating, we have not written to you in some time as we have had to locate your address. We would like to discuss your intentions regarding the outstanding balance on  your account. I had no correspondence from RBS about this so I thought this was a scam company.  Unbeknown to me I also realised the monthly payment to the RBS had stopped being taken directly from my account.   After a few letters backwards and forwards about me disputing Link and this debt today 26th February 2021 I have now received another letter from Link stating. As you are aware a charging order on the beneficial interest you have in the property at.........has been secured. They are now seeking payment and will accept monthly payments on the account in accordance with my current financial situation. If I chose not to settle in full or fail to complete and return the form below or contact them within 7 days they will take further legal recovery action. There is a little boxed section at the bottom monthly or weekly payments for me to fill in and send off.   I'm really at my wits end now of what to do next. I have two years left on my mortgage and finding it really hard to get through that two year financially, especially since this pandemic has really hit home money wise. The last thing I need is the family home to be taken away especially with a 10 year old in the home.    I really appreciate any help and guidance. Thank you.    
    • OK lets pick out a few words in the ramble   Free energy?  Slavery?  Constructive manslaughter?  Weaponised energy of 5g Biowarfare Only wearing medical masks for criminal intent   Please may I suggest an extra layer of foil on the tin hat?    Oh and FYI there is no class action in the UK... 
    • i thought that was the point of mediation, to show them that you think they havent got a case to go to court with? I realise you know far more about this type of thing than i do though, but i thought that not fulfilling the CCA properly - ie by not supplying t&c - was an automatic fail at court for them.   I dont know what to do now -   @Andyorchcan i have your thoughts too please   the hassle just makes you feel like giving in to them
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Losing your fear of Debt!!!


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Hello everyone,

Just felt like saying a big big thanks to everyone on cag, I joined quite sometime ago now and although I have the occasional dca send me a letter, my life has been so much more peacefull since I became a member. I have not been coming on here as much as I used to , but reading through some of the posts has reminded me how great this site is!! I'm going to put a lot more effort into becoming a more active member as I feel I really do owe cag my peace of mind!!( I even have some savings now, which has never happened before!!!)

Thankyou everyone who has contributed to my sanity!!!:D

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Nice to hear things are getting better, I'm that many people using this site feel the same as you. It is great when you no longer fear what the postman brings. Hopefully new members will see your post and realise that there is light at the end of the tunnel.

sleepingdog

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CAG has brought me a wonderful peace of mind too :) :)

 

By posting on here, and hopefully helping others, I like to think that I'm bringing a bit of the same sort of misery on DCAs that they brought on me for a few years before I discovered CAG.

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well my depression has lifted a bit since joining you caggers. im even ready to start work and have had a few interviews this week. im still in debt but feel armed with more knowledge. im sleeping better and feel happier. ty all xxxxxx

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funny this be here today

 

normally if a debt collection letter dropped in the door i would be worried

but i got one today for £3.500 when i opened it i just laughed

and thought here we go again LOL

 

 

I have no fear of the scumbags anymore

CAG helped me beat my Lowells 2 debts :D:p

then I beat co-op costing them court fees :D:roll:

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CAG is the most empowering site I've ever been a member of.

 

You don't get judged, you get help and advice to sort your own problems. Neither do you get 'babysited' as the help and advice encourages you to deal with it all personally, and in a sane, methodical way.

 

Before joining here I was a total wreck and dreaded the postamn and the phone. Now I'm rid of my alleged debts I can sleep at night and not worry so much about what the postman brings (or not during these strikes lol).

 

I thank the day I called Nationaldebtline and was advised extremly well about how to manage my DCA hell and was also pointed in the direction of CAG.

 

Things didn't miraculously get better overnight but I started to see that these vicious clowns had no real power unless they took me to court. The court would have treated me gently as I'm disabled and on a very low income.

 

A lot of the conversations I've had with various DCAs before becoming a member of CAG had me in tears and scared out of my wits, but then I got TS involved and they started playing fair. Just goes to show what you can achieve if you have someone to help.

 

My reward and donations now are my time and effort put back in to helping others on here and for that I'm eternally grateful. You cannot put a price on what this site offers and gives freely to those in trouble.

 

YAY FOR CAG :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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  • 2 weeks later...
CAG is the most empowering site I've ever been a member of.

 

You don't get judged, you get help and advice to sort your own problems. Neither do you get 'babysited' as the help and advice encourages you to deal with it all personally, and in a sane, methodical way.

 

Before joining here I was a total wreck and dreaded the postamn and the phone. Now I'm rid of my alleged debts I can sleep at night and not worry so much about what the postman brings (or not during these strikes lol).

 

I thank the day I called Nationaldebtline and was advised extremly well about how to manage my DCA hell and was also pointed in the direction of CAG.

 

Things didn't miraculously get better overnight but I started to see that these vicious clowns had no real power unless they took me to court. The court would have treated me gently as I'm disabled and on a very low income.

 

A lot of the conversations I've had with various DCAs before becoming a member of CAG had me in tears and scared out of my wits, but then I got TS involved and they started playing fair. Just goes to show what you can achieve if you have someone to help.

 

My reward and donations now are my time and effort put back in to helping others on here and for that I'm eternally grateful. You cannot put a price on what this site offers and gives freely to those in trouble.

 

YAY FOR CAG :D

 

:D:D:D:D:D:D

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The debt/finance industry has created many myths over the years.

Everyone thought DCA's had powers over people = how wrong that turned out to be.

Everyone sadly still things that credit reports have this almighty significance in society etc.. = how wrong that will turn out to be eventually as well in the near future.

We have simply been brainwashed and been a victim of the industry & big business in general...

That is no more and people now realize that being in debt is nothing to be ashamed of.

Thank goodness for the internet, thank goodness for forums like this & thank goodness that slowly but surely, the financial establishment is being brought to its knees :)

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I agree with Mr Ton. I've recently moved and in getting bills sorted out NOBODY wants to do a credit check.... I think they have realised that by credit checking existing customers they will loose good customers and that the credit check doesn't really indicate much anymore as too many people (ie DCAs - and unregulated third parties) have their fingers in the pie. I think the credit check has become the 'industry' equivalent of shooting the goose which laid the golden egg.

 

I had a letter from one of the companies involved in my reposession three years ago threatening to charge £100 for sending round an independent debt counsellor if they had no reply in 7 days. TOUGH - they arent an independent debt counsellor at all and they ain't coming near me.

 

I still think bankruptcy is on the cards but until the other company involved sort out their refund due to me I am sitting tight.

 

They can't enforce further what they have already taken so I can't see what they want now. Theyve had both stone and blood and tears so now they can sing in return.

 

Thanks CAG for making me feel I am not the only person in the world with these kind of problems.

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The simple fact is that there are very few people left in this country now who dont have a bad credit report/rating to one extent or another.

This is one of the main reasons why the banks wont lend anymore even though they've been bailed out - the system wont let them effectivley.

The country is drowned is debt, defaults,CCJ's etc...

The rest of the world is out of recession - Britain is not, that tells you everything about what a mess the whole thing is.

The personal debt mess/credit file system, is a big problem for the government in this country.

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This forum is the most uplifting site I could ever have visited - no other site comes close.

 

We're in a mess financially but have now started to take control of the situation precisely by following the advice given on here.

 

When people start to feel under so much pressure & they need help, CAG gives it in abundance - non-judgemental & free....awesome! :D

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I also agree with all the previous comments. Nobody visits family or friends and proclaims they are £20k+ in unmanageable debt, it is something most people keep to themselves and so the pressure builds up and eventually becomes unbearable. Thats when caggers come to the rescue.

We then start to see the dcas as they really are, vultures on the debt/guilt-ridden souls desperate for help.

 

Bullying on the 'phone is a speciality of the threatmonkeys, when you find that they can't do FA, you start to sleep/eat better and begin to think straight again.

 

I only found this site because of such telephone calls. Enough was enough.

 

After 2 Years of litigation and court hearings, I am at the end of my "tunnel". With 1 CCJ, and boy, did I make them work for that!

 

 

This is my personal "tightener"

 

Intersections in Real Time

John Sheridan:You know, it’s funny, I was thinking about what you said, that the pre-eminent truth of our age is that you cannot fight the system. But if, as you say, the truth is fluid, that the truth is subjective, then maybe you can fight the system. As long as just one person refuses to be broken, refuses to bow down.

Interrogator: But can you win?

John Sheridan: Every time I say “no.”

 

Video-

 

Bill

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For the past few years my wife has gone through bouts of depression, some severe, and it is only recently, when we were taken to court for rent arrears, and had to ask for the help of a debt advisory charity, that I came to know of just how much we were in trouble.

I am in no way putting blame on my wife, quite the opposite, she thought that she was saving me from the stress that she was going through, trying to deal with it all on her own, but of course things snowballed and suddenly we had a dozen wolves at the door.

It is with great thanks to this site and the advice given by people who have either been through or can empathise with people who for whatever reason find themselves in these positions, that I am trying to show my wife that all is not lost, and a lot, sorry loads of people are going through the same problems, and by coming together on this site we can discuss and find ways of dealing with our demons, and believe me, it is really hard to get this across at times, but I believe that it can be done.

Just don't give up,

Don't give in

TOTN

Never mind, it could be raining!

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