Jump to content


  • Tweets

  • Posts

    • 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.
  • Our picks

new-me2010

new-me2010 -V- Everyone Who has priority?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3603 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

First question on the yellow brick road to freedom from debt.

 

I am in the middle of sorting my piles of paper into DCA's.

 

Can someone give me an idea of the pecking order of priority.

 

Thanks caggers in anticipation.

Share this post


Link to post
Share on other sites
First question on the yellow brick road to freedom from debt.

 

I am in the middle of sorting my piles of paper into DCA's.

 

Can someone give me an idea of the pecking order of priority.

 

Thanks caggers in anticipation.

 

No DCA has priority - they are all low life **** bags.

 

Pay them nothing until they prove you owe it and they have a right to collect it

Share this post


Link to post
Share on other sites

Alf is correct, but the info you may need is that your day to day living expenses are counted as priority debts, that is housing and utilities, Council Tax etc. You are also allowed a small sum to provide food and clothing for yourself and family. NEVER fill in any Income and Expenditure forms which may be sent by any DCA they have no legal right to any of that information, only a Judge has. Hope that helps.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

Share this post


Link to post
Share on other sites

Thanks very much ........

 

Council Tax is sorted. Had real hassle with divorce and moving, 3 places in 2 years, got behind and did the court thing but am paying that off weekly. It was going fine and lost bank card, changed it all and forgot to do something but its running ok now.

 

Utilities are getting better.

 

Southern Electric.

Went onto prepayment meter, got rid of debt which was on the meter and then changed company, have just had a letter from them saying that there is £97 outstanding. Going to have to fight that one.

Gas with them too, going to change when I finish that debt too. They messed the debt up and put it on twice so trying to get that finished.

 

Have an outstanding debt from last house, not sure who is chasing but will look into it.

 

Water

Am going to try and get thid done. Had a doorstep man come over a year ago but did nothing. Will have to follow it up.

 

So now I have my first priorities set, will be back when I get past these.

 

Thanks all x

Share this post


Link to post
Share on other sites

Hi new-me,

 

What HS is saying is that when you sit down and work out an I&E, all of those bits mentioned ARE your priorities - the cards/loans etc are not!

 

Have a look at the I & E form on the National Debtline site.

 

After you've worked out the cost per week/month of those priorities, what's left goes to the non-priorities i.e. cards, loans, catalogue etc. The money gets split pro-rata and you treat/pay them a pro rata amount based on what you owe them/should pay them.

 

IF you were to end up in up in court with any of these (and it is a big IF) a judge would see that what you have done is fair to all ;) by not giving priority to any particular one and would make you pay no more (or maybe even a bit less!).

 

I'm assuming that none of these debts is 'secured'. And that none are originating from whereever your bank account may be e.g. B/Card and you're with Barclays Bank for example.

 

If so, you may choose to give that particular debt priority.

 

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!!

 

Share this post


Link to post
Share on other sites

Hi there

Some water companies -- Notably Yorkshire Water will go for a CCJ on amounts as small as 70 GBP and they'll add ANOTHER 60 GBP "Solicitors Costs" as well -- so offer to pay SOMETHING before the CCJ letter appears on your doorstep.

 

I'm not trying to SCARE you -- but that's how Debt Collection is working in the UK at the moment -- Companies are getting increasingly desperate to get ever last penny out of ordinary people while paying their directoirs etc OBSCENELY large bonuses.

 

You can challenge the costs on this type of civil debt but its a hassle so offer the water company SOMETHING.

 

Note you also can't get Cut off if you DON't pay the Solicitors costs etc. Your services van only be disconnected for non payment of the SERVICES such as Electricty, Gas etc.

 

If they want to collect for their Solicitors costs etc -- the they have to treat this as any other CIVIL debt and you can't be cut off for non payment of these.

 

Cheers

jimbo

Share this post


Link to post
Share on other sites
Your services can only be disconnected for non payment of the SERVICES such as Electricty, Gas etc.

 

I do believe this has now changed, they can only cut off supplies to empty properties.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...