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    • The summary is that I collected my van after it was towed, drove it 20 metres and saw a panel come loose, I went inside to report it and immediately emailed them, they have since refused the claim as I had already collected the vehicle.   The story:   - Van towed - Van collected, signed out 12:00 - Van appeared visually to have no new damage, was not allowed to drive it until paperwork signed - Upon driving it a plastic exterior panel came loose (this appears to be from when it was craned onto of truck) - I stopped the vehicle 12:03 and walked into their office to report damage - I emailed photos to head office 12:08 - NSL initially claimed they examined photos and damage was pre-existing - I requested CCTV footage of my visit under Data Protection Act. I provided them a copy of my ID, photo, description of clothing as well as letting them know I was the only member of public/customer on-site for the duration of my visit - CCTV footage denied on basis I "was not recognisable" after they reviewed footage - Initially refused to provide any photos of vehicle - Finally produced 0.3 megapixel images, much too low resolution to see anything, but certainly confirming their claim the damage was pre-existing is false - Refuse to provide original full resolution images despite multiple requests - Latest excuse I was gone 15 minutes and could have caused the damage during this time. Clearly a false assertion given I emailed them within 8 minutes and was in their office within 3 minutes of leaving. - I feel by refusing to provide CCTV footage and full resolution photos they are obstructing my ability to prove they caused the damage   The damaged panel tore off at 30mph while trying to go to have it looked at, luckily no other vehicle was damaged, in hindsight I should have driven with the panel being damaged. But this proves the damage is very unlikely to have been pre-existing as the van couldn't be driven.   So I intend to pursue through the small claims court. My questions are:   - I can't afford to fix the van right now and as it is cosmetic, I can still use it without fixing the panel. Can I get a quote from Renault and claim on MCOL for the value of the repair? - Although I was gone only 3 minutes and drove 50 metres from NSL yard directly to NSL office, I did still take the vehicle before reporting the damage, this was due to the panel being pushed into place (but not secured) and therefore not visible until the vehicle was moved. Will this work against me when making a claim? - Does their repeated lying (first claiming it was pre-existing, then falsely claiming I was gone 15 minutes and could have caused the damage then) work against them? - Does withholding CCTV where I was the only non-high vis person on-site on the basis I was not "identifiable" work against them (clearly I was identifiable, I was the guy without high vis on) - Does failure to produce any original images, just very compressed images of the van before and after towing, work against them?   How strong a case do people think I may have?   I have exhausted their complaints process.   Thanks in advance for any thoughts on this.
    • I have recently managed to get rid of some historical debt as it became statute barred and thought I had gotten rid of old debt. However, I have received a letter from a firm of Solicitors chasing the recovery of fees for a timeshare we bought in 2010 privately from the previous owner. We have visited it once and paid fees once in 2011. I have not communicated with them or paid anything since 2011   As far as I am aware, I haven't received any communication from the Timeshare company or the representatives for probably 5 or 6 years. The total debt is £3670.    Is this type of debt subject to the same rules as any other debt, i.e. a default has to be issued 3 months after last payment becomes overdue and can it be statute barred or am I going to have to pay it as it is timeshare rather than a traditional debt. I still have the timeshare but am now actively looking to get rid of it.   Thank you. 
    • Today I got a refund of £25 from Packlink. I have also submitted a claim form with Hermes, as you suggested.   It pays to be tenacious.   Thanks for your advice.
    • Hello there,   My wife (62) has advanced arthritis on both hands and wrists (inherited from her mother's side of the family).   She left her job as a youth carer in January of this year because amongst other issues with her inability to work they pushed her into office and admin. However, with her arthritis, writing or using computers became impossible. As nearly all jobs available requires some use of hands, which she is unable to do, what benefits would be available to her. Does my wife qualify for anything?   Other info. She does have arthritis in all areas of her body, but for example she is able to walk reasonable distances, sit down comfortably for reasonable lengths of time, etc. She also suffers from psoriasis (which may have played a part in her condition).   A friend of hers owns a wine bar and offered her a job (not too taxing) but it required her to carry wine bottles and glass which was OK-ish for the first 60 mins but then became impossible for her to do.   Any help or advice greatly appreciated.   cheers sidley
    • I think it will be very helpful to let people know more detail about these debts. Who is the original creditor? How much was the debt for? When was the debt incurred? When did you last make any payment or acknowledgement of the debt
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pfjc1000

PayPlan

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Hello

 

I'm new to this site, so hi to all :)

 

I recently left UK to live in Australia (4 year VISA) about 18 months ago with quite large debts that i was struggling to pay when I got out here. Main issues were sending money back to my UK account, bank charges for this process and exchange rates AUD -STG which were high at the time. I defaulted back in June and haven't paid anything since then. My debt consists of a few credit cards, bank loan and an overdraft.

 

I found PayPlan before I found this site :-( and I have been in touch with them and they drew a up a budget payment plan that works out how much spare cash I have every month and how much they reckon I can pay to them (PauPlan) every month. The trouble is, the repayments I will struggle with (400 pounds) and would be comfortable with paying half of what they've suggested for each month.

 

Can I offer the reduced payments to them? what are they like as a company, has anyone used them before? Could anyone tell me my rights also and can I pay back what i can afford.

 

Any input/advice would be greatly appreciated. I have worried about this a lot, but have read that there is no recriprocal agreetment for unsecured debt between UK and Australia.

 

thanks in advance

 

pfjc1000

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Have a read of this thread http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/221573-debt-being-chased-australia.html before you decide anything. It's a bit long but well worth the read. ;)


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Hey thanks for your reply. There is some real interesting stuff in there but noticed that the original question was for old debt being resurfaced (6 yrs +)

 

Would the same apply to me as my debt is relatively new, roughly 6 mths??

 

Also would it be worth going the cca route, what with me living in Oz??

 

Cheers

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Would the same apply to me as my debt is relatively new, roughly 6 mths??
Yes, they don't have the legal authority to chase debt in Oz unless they've already obtained a CCJ against you before you left the UK.

Also would it be worth going the cca route, what with me living in Oz??
It depends on how old your a/c is & how you applied for it.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Cheers for the advice

 

I know that I had no ccj's against me when I left the UK as I had no problems with my bank a/c and credit cards.

If I have got ccjs against my name they would be incorrectly filed then? Is it worth a check to see if I have and how difficult are they to remove?

 

I can prove I've lived in Australia since May 2008 by my passport and 457 VISA stamp? Would that be enough to prove I dont live in the UK?

 

My bank a/c is years old and my credit cards are probably around 3-5 years old.

 

Cheers

:)

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If I have got ccjs against my name they would be incorrectly filed then?
Yes.
Is it worth a check to see if I have and how difficult are they to remove?
You could check online at CCJs, court orders & fines - Search yourself and others - Trust Online If there are any they are relatively easy to get set aside.
I can prove I've lived in Australia since May 2008 by my passport and 457 VISA stamp? Would that be enough to prove I dont live in the UK?
Yes.
My bank a/c is years old and my credit cards are probably around 3-5 years old.
CCs after 2006 are usually enforceable.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Hi PJ,

 

As Cerberusalert has suggested, keep an eye on the other thread relating to UK to debt in Australia.

 

Some of the info relates to stat barred debt but the main topic is how an Australian DCA is trying to magically convert a UK agreement into an Australian one...with about as much success as ye olde alchemists trying to turn lead into gold.

 

The other similarity 'twixt the two is that is highy probable that the DCA's experiment will blow up in their face too.

 

More to the point. you may also find some good info on the expat focus debt forums at Expat Focus - Forums - Expat Issues (scroll down for country specific forums) - Credit and Debt Management

 

This is where the current thread on CAG started (before Pie and Beer's lawyers got it shut down) and there are many, many posts on there concerning different aspects of UK debt in Australia that will set your mind at ease. :)

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Hey, thanks to yourself & Cerberusalert for your help :)

 

I'm just in the process of finding out if my creditors and/or DCA's have registered any ccjs to my old address in the UK. If so, I'll start the process of setting them aside.

 

Yeah, was reading the other thread, some interesting stuff on there, just goes to show that the DCA's will stop at nothing to get you to pay up.

 

So glad I found this site !! :)

 

I think I will check VEDA also just to see if any stuff has been registered on my credit file in Oz

 

Just thinking now what to do about PayPlan !!!!!!

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Just thinking now what to do about PayPlan !!!!!!

 

 

Email them & say that you have realised that these debts may be invalid so you won't be paying them until you have proof that they need to be paid and when you know exactly what is legally owed, you will contact them again.

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Hi

 

I have been with Payplan a few years now, and I have found their service excellent, and would recommend them. They do not charge fees, so the DMP is completely free of charge. They take away a lot of pressure when receiving letters and statements, as they just deal with everything on your behalf, and they also apply to get interest and charges frozen on your accounts. If you have drawn up and income and expenditure and your payment is £400, that you do not feel comfortable with, I would suggest getting in contact with Payplan to inform them of this, and they can re-look at your details to try and get this down to an affordable, realistic payment.

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Thanks, Ive fired an email off to PayPlan to ask if I can pay the reduced amount and see what they say

 

 

Just wondering on the ccj issue, if they can raise one against my old address in the UK, as I didnt contact them to tell them I was relocating to Australia as my cc's and bank a/c was in order then?

 

I know I definetly didn't have any ccj's when I left

 

Cheers 4 the advice:)

 

 

Just had an e-mail from payplan and they said that they can knock 20 or so pounds off the monthly payment, so nowhere near the figure I have proposed. I have sent them a final offer that i have increased by 20 pounds and have told them my final offer. I am really suprised that PayPlan doesn't know about no reciprocal agreement not non-secured debt between Uk & Australia. I would have though me offering to pay rather than not pay which sounds like I can easily do, they would have accepted anything

Edited by pfjc1000

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Just wondering on the ccj issue, if they can raise one against my old address in the UK, as I didnt contact them to tell them I was relocating to Australia as my cc's and bank a/c was in order then?
If they did that you can easily get it set-aside as they are not legally allowed to obtain a CCJ against a non-UK resident. ;)

 

You can check online at CCJs, court orders & fines - Search yourself and others - Trust Online to see whether there are any against your previous addresses.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Just had an e-mail from payplan and they said that they can knock 20 or so pounds off the monthly payment, so nowhere near the figure I have proposed. I have sent them a final offer that i have increased by 20 pounds and have told them my final offer. I am really suprised that PayPlan doesn't know about no reciprocal agreement not non-secured debt between Uk & Australia. I would have though me offering to pay rather than not pay which sounds like I can easily do, they would have accepted anything

 

You need to TELL payplan what you can afford to pay & if necessary, draw up a fully itemised income & outgoing sheet that allows for EVERY expense you have in Oz (after all, how can this be proved ;)) then the remainder is available for paying off debts in UK. The minimum amount payplan work with here is £100 per month.

 

It's your money, your debts & you need to decide whats fair & whats not. The very fact that you are willing to pay is commendable. :)

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Thanks for all your help, as I have made no payment as yet, I sent an email to PayPlan and offered what I can, if they don't like it - tough

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