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    • I called the business centre that M&F were located at and they advised me to call BCWM, which I did.   A lady spoke to me and said she didn't have any information to hand so I'd have to email them my request. She asked me to provide as much info as possible including my full info so being vague might not be an option.   What do you think of me putting the following:   Dear XXX   It was lovely talking to you earlier. As discussed, my query is in relation to the following piece of land owned by M & F Finance (Ireland) Ltd, which I believe you manage:   Portwood Court, Great Portwood Street, Stockport, SK1 2ED (Title Number : MAN24187)   I have a possible impending legal matter that I'm investigating and therefore need to know who signed up Civil Enforcement Ltd (CEL) to manage the car park and whether CEL currently has legal permission to enter into contracts on your behalf.   Any information you can provide would be extremely appreciated.   Do you think this is okay? Should I just sign the email with my name but omit my address?
    • Hi there,   I just wanted to seek some advice as I've been sent a "Parking Charge Notice" for temporarily stopping outside the arrivals terminal at Southend Airport to pick up my disabled father, and now they want £60 off of me. I've appealed, which, as I expected, did nothing.  Should I just let the case go to court, as i feel I have a good defense. My Father is disabled due to the fact that he suffers from Peripheral Arterial Disease and Spinal Stenosis and can only walk short distances before his legs begin to seize up and turn to lead. This is why I had to temporarily stop for a short period outside the terminal. It was a cold, dark evening, pouring with rain, I didn't see any signs. My only concern was getting my Mother and Disabled Father out of the cold weather, into the car and off home.'   Any help appreciated, Thanks          
    • On the matter of the shed, I would move to have the lot replaced immediately. Inventory the contents of the shed, take photographs of their condition and then do what you can to deliver the contents of the shed to your parents. If you continue to keep their property – or at least property to which they are asserting title – on your land then this can only help them and be an encumbrance to you. Ideally you would instruct them to come along and collect it – but the easiest thing to do is simply to put it all into the back of the car or van or something and then to deliver it to your parents. Warn them that it is going to arrive and make sure it all arrives in good condition at a time when you know they are going to be in. Once it is taken to their property, photograph it again and inventory it again so that there are no queries later on. It will be a good idea if you have somebody with you to witness what goes on. If your parents have keys to anything else on your property such as the front door or a back garden door in order to access the shed, you should change those locks immediately and write your parents and tell them that the locks are now been changed, that their own keys will no longer fit and that they are not authorised to enter onto your property in any circumstances. However, I suggest that you deal with the contents of the shed first so that there are no suggestions that you are trying to hang on to some property which I suppose is of no interest to you  
    • People usually sell through estate agents near to where the property is located so try searching for 'estate agents near [postcode]' and go through the results to see if one jogs your memory. Likewise for solicitors.
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Melody2b

very worried..please help

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hello

my husband and i are both self employed (we have a retail business) and our finding it impossible to pay our monthly debts due to the downturn in our business. We would have been in trouble months ago if not for the fact we put our heads in the sand and have lived on credit for the past year or so :(

We have now decided enough is enough and before we get ourselves in even more trouble its time to face our debts and problems.

My husband contacted the CCCS last week and was told an IVA would suit us better than a DMP as the amount of personal debt we are in would take too long to pay back on a DMP. Since then we have been waiting to talk to the company recommended by the CCCS (Grant Thornton i think), we missed their phone call initially while at work and have left messages for the contact name we have there but are still waiting to actually speak to her.

We are not going to be able to pay all of our bills this month so tomorrow i am going to the bank to cancel any direct debits not on our "essential" list as drawn up by the CCCS and send a letter to each one explaining the situation. Anyone know if it is an instant thing canceling a direct debit? or are they going to give me the "its gonna take 5 working days" speech? We bank with Barclays and 3 of our credit cards and a loan are also with them .....how would i handle this? will they just keep taking the money from our account anyway and then incurring overdrawn fees (we have a £1000 overdraft with no room left) ?

Went to Nat West last wednesday to set up another account that we can move all our essential direct debits over too but it was "reffered" (only wanted a normal current account and was very surprised at the amount of information they required to set one up) and they said they would let us know so we are still waiting (going in to bank tomorrow to chase it up)

 

Nat West i noticed is a subsidiary of Royal bank of Scotland which is another of our creditors (we have 2 credit cards from RBS..) would that be a problem do you think?

 

Any do's or dont's when sending letters explaining situation to creditors?? In the pack the CCCS sent me there is a template letter for letting a creditor know that a DMP is being developed by the CCCS...can i change that to IVA and use that do you think?

 

whats the best way to send them an amount we can afford? (in some cases this will be way less than their minimum payment :()

 

can someone in simple terms please explain what happens to our home at the end of an IVA? do we have to sell or remortgage? our home is probably valued at 230k at the moment and we are paying an interest only mortgage of 188k...

 

so many worries and so many questions :(

i feel quite overwhelmed by all this and i have been feeling detached and uninterested in anything for a few months now...really trying to get myself going forward and dig ourselves out of this hole we have stupidly put ourselves in

just glad my husband found this website with all you nice people

please help us

 

Melanie

Edited by Melody2b

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________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Nat West i noticed is a subsidiary of Royal bank of Scotland which is another of our creditors (we have 2 credit cards from RBS..) would that be a problem do you think?

 

And this is relevant. Find a parachute account. You don't want to be banking with your debtors - they'll bite ya.

 

Welcome to Cag by the way ;)

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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And some templates too,

 

With the I & E I prefer the one below (you can mess around with it)

 

M

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

National Debtline England & Wales | Personal Budget Sheet


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Please can you update us on this one? An IVA should not be your first choice.... that sounds like cack advice from CCCS on this occasion.

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getting the paperwork ready for collection from an IVA company recommended by the CCCS. I let things get on top of me before christmas and did something very stupid. I am trying to get things moving but am finding it very difficult at the moment to get any kind of motivation going. Have lots of forms to fill out tonight that have to be ready for tomorrow.

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getting the paperwork ready for collection from an IVA company recommended by the CCCS. I let things get on top of me before christmas and did something very stupid. I am trying to get things moving but am finding it very difficult at the moment to get any kind of motivation going. Have lots of forms to fill out tonight that have to be ready for tomorrow.

 

Melody,

 

Are you sure the IVA route is best for you? With a bit of help and a bit of work you could consider sorting this out yourself. CCCS don't always give sound advice as many on Cag have discovered.

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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if my IVA is not approved by my creditors would i still be able to approach the CCCS or Payplan to set up a dmp instead? The guy i spoke to from the CCCS assured me this was so before he forwarded my details to this IVA company but i thought i better ask you guys ( i trust your advice more) .

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You can do a DMP yourself.... you don't need anyone else to do this for you at all. Why on earth do you want to enter into an IVA?.... is it because CCCS said so?

 

I hate to put the cat in among the pigeons, but there are other ways of dealing with this without tying yourself into an IVA. Have you considered whether the companies pursuing you for payment are actually legally entitled to collect payments from you at all (via CCA requests?) Have you considered re-claiming unlawful charges that may have been added to the balance (via a SAR?) How do you know that the balances on these accounts are even correct?

 

CCCS are partially funded by the finance industry and while some people may find them helpful.... I beg to differ.

 

If you decide not to do the IVA.... the first thing you need to do is open a parachute account somewhere with absolutely no connection with your creditors at all, cancel all direct debits on your existing account and then close it. This will stop anyone from dipping into your current account under the right of set-off.

 

Please let us know what you decide to do...

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Hi there

 

With the IVA, it is legally binding, all interest and charges are frozen, and you would need to maintain an affordable amount each month for 5 years before the remainder of your debt is written off. Your assets would be safe, and if your IVA is approved, this would be reviewed annually, incase of any problems.

If your IVA is rejected by your creditors, you could always enter into a DMP with CCCS or anyone else. Payplan set up IVAs and DMPs, so if you were to set up an IVA with Payplan, and your offer is rejected by your creditors, you could fall back on the DMP with Payplan. Payplan's IVAs and DMPs are free xx

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