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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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lowells claimform - old M+S Card debt***Claim Discontinued***


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Hi,

 

I started my fight with credit cards early in 2008 by unfortunately using an agent who acted on behalf (stupid I know), he has now gone walkabouts so I am carrying on myself.

 

 

I had an M&S money credit card which was opened in 2006 and during the time the agent was looking after the letters etc a credit agreement never appeared.

 

 

I started receiving letters from DLC with regards the debt and I sent the a CCA request in which they have now returned a signed copy of the agreement and a statement of transactions.

 

 

I have also received a letter from ScotCall Debt Collecting Services with a doorstep collectionlink3.gif notice, are they linked with DLC?

 

Can anybody please advise what I need to do next

as I have no idea if the agreement is enforceable or not, my signaturelink3.gif is there and it is dated.

 

Also looking at the statement of transactions M&S have added a substantial amount of interestlink3.gif onto the account since it was originally disputed are they allowed to do this?

 

Sorry one more thing,

how do I know if the debt has been sold to DLC as I have never received a letter from M&S stating this?

 

 

Thanks

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Thank you for looking, thought that may be the case. Yes I do have a copy of a default notice m&s sent in 2008.

What should I do now as I have no way of paying the balance in full!

Thanks

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You will have to send the original creditor a SAR to find that out, but the good news is the DN is defective, they allowed you 14 days from the date of the notice for you to remedy... they neglected to allow for postal service, so if they've sold the debt or demanded payment of all the monies they have unlawfully rescinded the agreement and are only entitled to the arrears at the time the default notice was issued. ;)

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If I end up paying the arrears am I entitled to ask them to remove the default notice from my credit file?
Depending on what the sar shows up but it is possible that you will not have to pay a penny + you will be able to demand the removal of the default and possibly have a claim for compensation.
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The latest letter I have had from scotcall states "your above outstanding debt has been placed with scotcall" could this mean it has been sold and they hav'nt properly informed me?

Also should I send them a letter telling them I am sending m&s an sar to get them off my back as they are threatening a doorstep call?

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Hello Skyblue

 

Write back to Scotcall and ask them to state exactly what they mean by 'the debt has been passed to us'. You may also want to write to the OC to confirm what the exact position is from their view point but perhaps the SARN request to the lender will bring that out.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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A doorstep caller is nothing to worry about when/if they come just tell them your not intrested and close the door. There is nothing they can do. They mean nothing.

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A doorstep caller is nothing to worry about when/if they come just tell them your not intrested and close the door. There is nothing they can do. They mean nothing.

True, but it's the fact that it can be intimidating for some and also that the lenders will add a charge for that 'service' to your account - and charge interest for it of course.

 

Be mindful also that a doorstep visit from the lender, when a debtor appears to be in difficulty makes them 'look better' in the eyes of the regs should a complaint later arise. It makes them look like they've tried to 'improve' the situation.

 

But yes agreed, doorsteppers can certainly be ignored as far as I know...

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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  • 1 month later...

i,

 

I have now received a bubdle of paperwork from M&S which did arrived within the 40 day limit.

 

 

The documents they have enclosed are;

- another copy of the signed agreement,

screen prints outs detailing all transactions, payments and all contact.

 

 

There are a couple of copies of the more recent statements but no copies of default notices or Notice of assignment.

 

 

Do I need to send M&s another letter requesting this?

 

 

Thanks!

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  • 2 weeks later...

I have checked through the sar and it is very difficult to understand because a lot of if is in code but no it doesn't seem to have any mention of the account being sold on.

 

 

I havnt received anything from them since the sar,

is there anything else I need to do at moment or just sit tight and see what comes through next?

Thank you all for your help so far!

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