Jump to content
  • Tweets

  • Posts

    • My job I've been in for 8 years, my contract is to give a week's notice.   I have 10 days holiday coming up starting next week. If I message the boss 3 days into that holiday and tell him I'm not coming back can it be used as 7 days notice (ie a week). I have a lot of holiday entitlement left this year about 70 hours.   So 2 questions please without judgement just facts:   1. If I phone boss three days into my 10 day holiday next week to formally tell him I'm quitting is that legal? 2. Can they get out of paying me my 70hrs holiday entitlement if I take that route?   (Massive global company not one man and his dog operation, if it affects the advice)  
    • Hi everyone. We purchased a new bed from dreams 26/12/2017 which was delivered 01/02/2018.  We also purchased their delivery, assembly, take the old one away, tv, mattress, mattress protector, pillows and their 'bed cover' 8 years extended warranty.  We paid by 30 monthly interest free instalments and so just made the final payment.   It is a heavy duty king size lift up storage bed with a built in tv at the end.  It has always been a struggle to lift, my wife cannot do it on her own and it rarely stays up by itself.   At the beginning of this year, we noticed it had started to dip considerably in the middle.  Not the mattress, but the wooden base the mattress is on.  So on 09/02/2020 I emailed them about the issue.  They started by saying the mattress is not covered only the base, until I pointed out it is the base at fault not the mattress.  So they sent out Homeserve on the 25/02/2020 to come and repair.  He did what he called a temporary repair, said that the bed had failed due to a manufacturing or design fault (the metal bolts holding the wooden base to the lift up supports have pulled out of the wood) and that dreams would be in touch to arrange a replacement.  His temporary repair barely lasted a day, the bed was still dipping and he took plenty of photos for himself but seemed in a mad rush to leave.   Of course they didn't contact us, so on 30/03/2020 I emailed them back.  01/04/2020 they emailed back confirming in writing that it is a manufacturing fault and their sales team would contact me, however as expected due to Covid-19 this may take a while.   30/06/2020 I asked for an update.  03/07/2020 they replied saying their claims department would contact me within 5 working days.  They didn't. 15/07/2020 I emailed back asking them to escalate my complaint as well as providing a refund and compensation as we are now struggling to sleep and experiencing back ache due to the bed's extreme dipping, plus I am worried about the mattress getting damaged. 23/07/2020 They replied saying we are not entitled to a refund as it is a guarantee claim and they have passed it once again this time to their guarantee company to contact us. I have still not heard back.   This is now getting beyond a joke and I wanted some guidance on how I should proceed.  We are struggling to sleep in the bed and cannot now even open the bed to access our belongings inside as as soon as you try and lift you hear the sound of breaking wood.   Many thanks  
    • bit obv really... don't eat yellow snow either.   dx  
    • I know you are trivialising this as, 'Ambulance Chasing Lawyers', because they are perceived to be involved. You mention BMW (other brands as well). Counterfeit car and truck parts have been implicated, and proven to be the cause, of accidents where fatalities have occurred.   There is some considerable difference between a set of counterfeit brake pads and a fake SD Card.   The trademark infringement though, is the same.   H
    • One hope in this growing mess is that local authorities, mainly in the north west so far, like Liverpool, are developing their own systems to test and trace, filling in the gaps of what Serco et al are missing.   But they're doing it with precious little in the way of funding. In the meantime it looks as if Serco [I think it's them] will be given more hundreds of millions on top of the £100 million that hasn't been effective so far in a couple of weeks. Given that the PM has swanned off to Scotland for a couple of weeks this isn't looking good.
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
canwecleardebt

Card & Loan: Should I make a Full & final offer

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3315 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

Hi, newbie here, been advised in another forum thread to start individual threads for each of our debt issues:

 

I need help please regards making a full & final payment offer on unsecured debt.

 

My wife has a Lloyds credit card & also a personal loan: We recently entered into a joint Debt Management Plan with PayPlus as our combined debts, though comparatively low to a some here, were getting on top of us and we wanted to be proactive instead of reactive. The plan is with Payplus and not direct with any creditor.

 

The status of the dmp offer is:

 

Lloydslink3.gif TSB credit card £4,095 £41.78 (accepted)

Lloyds personal loan £3,599 £36.72 (rejected)

 

Up to the point of the DMP my wife had not missed a payment at any time

but we are due to come into a lump sum after selling the house which is in my sole name.

 

My questions:

1. Should we be considering a F&F offer?

2. What kiind of %offer should we make, especially considering unsecured?

3. Due to never defaulting are we greatly disadvantaged in making an offer as they will see us as 'good payers'! and refuse ?

 

I wont post too much info now, instead I will post if more info requested but thank in advance for any help offered.

Original thread I posted with full DMP creditor list can be found at:

http://www.consumeractiongroup.co.uk/forum/debt-management-debt-self/267091-help-needed-ref-making.html#post3033981

Share this post


Link to post
Share on other sites

firstly as with all the offers of F&F you might make

you need to do two things

 

1.regardless to its age, you show still CCA the creditor

2. look to reclaim any unlawful charges &/or mis-sold PPI first

 

if you are unsure you have either, then it might well be an idea to SAR Lloyds

 

this will give you everything they hold over all a/c's on that person, it will cost £10.

 

and i know it sounds strange, but you are probably in a better position to get a low F&F accepted because you have been 'good payers'

 

pers i think you should SAR them.

 

unless you DEF know you dont have PPI & don't have any unlawful charges

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Hi,

As dx says, I would definitely start by sending a CCA request to each one, except the overdraft.

If they fail to provide a valid agreement (and many do fail), it puts you in a much stronger negotiating position as they will be aware that they cannot enforce the agreement in Court. Bear in mind that they sell on such accounts to debt collection agencies for circa 10%, so don't offer much more than that. Or you can choose not to pay at all, if there is no agreement or if it doesn't contain the legal prescribed terms.

Once you get the agreement/s back you'll need to scan them and post them on here for us to check them (removing personal details).

 

Kind regards,

Elsa x

Edited by Undercover-Elsa

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Share this post


Link to post
Share on other sites

Thanks for the advice to date. I have prepared my CCA letters using one of the CAG templates for such, just gotta get the postal orders to send with.

 

With that in the pipeline, as we have previously never missed a payment we have had no unfair charges (I assume late payment or charges for letters sent etc). Apart from maybe 1 of the 5, I don't think there is PPI in force, so with expectancy of negligible savings I'm inclined to forego chasing these aspects unless there is strong reason to (ie it enforces my position etc for full & final etc).

 

Dx, you did say in my original post you could not understand my logic as it was only £17,000. I'm not sure what you meant, are you able to expand at all?

Share this post


Link to post
Share on other sites

Just going through the paperwork from Lloyds again, and its evident they are either trying to confuse the hell out of me or don't know what they are doing at all.

 

11 December - reply to my letter stating financial problems and will not freeze payments.

29th December - two separate letters from same person, firstly sending form in response to financial difficulties we advised so they can assess and the second chasing payment and asking them to contact them if we are in difficulty!

 

I could accept if different depts but it is probably digitally signed by same person so they obviosuly do not manual audit etc of automatic letters etc and definately don't update the account details to flag it.

 

30th December - day after the last 2 we get a letter telling us we are overdue and the account has assed to the collections team and to contact them if in difficulty. Also states they wil charge £12 each period which I need verify iof they have been.

 

5th Jan - finally get letter acknowledging ad DMP is in place.

15th Feb - letter stating we have not responded to their attempts to contact us regards missed payments. They had plagued us with calls from whatever part of world it was with foreign speakers and I iterated each time a dmp was in place and we had acknowledgement from them. It seemed not to go into their heads.

 

They finished off by stating if we did not pay full outstanding amount they would start slapping standard rate fees on top.

 

I think I'd better dig my wifes last couple of statements out to see the charges, I have stupidly left it a little since starting the dmp with Payplus. I am learning :-)

 

Are Lloyds really so inept and where does that leave me? Apologies for long post.

Share this post


Link to post
Share on other sites

 

Dx, you did say in my original post you could not understand my logic as it was only £17,000. I'm not sure what you meant, are you able to expand at all?

 

????? where

 

...................

 

yes lloyds are sadly rather bad toward customers that cant pay what they want you too.

 

makes me laugh.

all these silly train adverts costing £170'000 each time

yet you go into a branch, and speak to one of these 'we are here to help, come talk to us pople, that make all the right noises but it changes jack all

 

you still get 5 dead phone calls a day and heaps of unlawful charges.

 

BTW: you keep saying payplus? you mean payplan i hope?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Hi, yes sorry PayPlus {wasnt a good start was it}. In my orignal thread as referred to earlier in this one, about 5th post down.

Thanks

Share this post


Link to post
Share on other sites

so is it payplus or payplan

 

who is payplus?

if you are paying a fee to them to do this work dump them.

 

cccs and payplan do it for nothing

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Sorry, what I prat I am, I checked before posting and still typed it worng. You are right, its payplan. I pay them £10 I think to cover my payments, something like that as thought the creditors would be more amicable if I showed effort to continue payments.

Not overly impressed with them since they were of mind to not liaise with those creditors who have continued interest (Halifax & Lloyds) saying I have to accept they may not. I accept that but to not 'try' discuss is dissapointing.

 

Regards using Payplan, as I have sent the CCa request should I tell them so they know I have dialogue going on with the creditors? I hadn't planned ot tell them.

Share this post


Link to post
Share on other sites

no dont tell them.

 

strange as most times they do get the int stopped.

 

but do bear-in-mind even though they and CCCS are charities, they are still funded by the banks!

they set them up in the first place!!!

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Just shows what pr*ts they are.

"Talk to your Bank if you're having difficulties"

My ass!

The harder you try, the less they help.

The only thing that concentrates their mind is stopping paying altogether till they default and terminate, then miraculously the interest (usually!) stops. Why can't they help and do it earlier?

Elsa x


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Share this post


Link to post
Share on other sites

Yep agreed, I have a loan and cc and they stop and start interest at will. They wouldn't even accept my monthly offer because it was higher than my I&E said was available. As soon as I made a f&f on the loan they shut both the loan and CC accounts and have passed the loan onto moorcroft....still waiting to see which unlucky DCA gets an unenforcable CC account ;)

Share this post


Link to post
Share on other sites

Hi, been a long time and essentially I just wasn't on the ball in keeping on top of my dmp, choosing to simply let it toddle along as I could manage it. Now I can't as I have left my job and have no income to pay it with.

 

I received my cca from LLoyds but they have predicatbley carried on with interest payments the whole dmp period, taking approx £20 of the £41 I'm paying every month. I kinda think, why bother if they're gonna do that!

 

I can make an F&F offer as I'm happy no PPI & unfair charges have been added (exccept above said interest during dmp which they say entitled to add) so what would people suggest? The total Lloyds debt is approx £7.5k

 

Thanks

Share this post


Link to post
Share on other sites

Hi, my wife has now received a default notice from Lloyds and I need advice on what happens next, or how I should respond to them.

The notice is served under sectrion 87(1) of Consumer Credit Act 1974 stating I have clause broken 2.1 regards payments.

 

There seems no reasoning with these people since nearly every letter I get is addressed from a diferent PO box and I have had NO replies from my letters sent in return, even when I have enclosed copies of my past correspondence to them. They have ignored all requests, including my Full & final offer. Do Lloyds do this simply to confuse, bully and frustrate you????

 

I cannot see how this wont just continue until they either sell the debt to a DCA or start ccj proceedings themselves, I have no idea and would like advice please.

Share this post


Link to post
Share on other sites

Hi,

I'd ignore and let them get on with it, keep up your Payplan payments for now (they shouldn't go to court whilever you're with Payplan) then check to make sure the interest stops after it's defaulted. Not quite the right time yet for an F&F, in my opinion...DCA's are more likely to consider it...and the more desperate they are the less they're likely to accept.

 

Others may think differently, so wait for other opinions..but it's your call :-)

 

kind regards,

Elsa x


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Share this post


Link to post
Share on other sites

wondering if I should split my thread into credit card and loan as getting confusing. To clarify on the Credit Card side of things:

 

I sent letter dated 8 March requesting a copy of the CCA. I inadvertently, due to my own mix up sent a letter dated 15 March with a F&F offer. I heard noting back from either. I sent a chaser letter regards the F&F on 02 May. Again I received nothing in reply.

 

Then early June I receive a letter dated 31st May stating a Default Notice Served and if we are having difficulty paying then to contact them! They like to send from any numerous PO box addresses so you never know to whom you’re writing or if they talk to each other internally. Surely it all goes against same computer account!

 

I replied on June 10 stating I cannot make any extra payments except the token payments I already am via the DMP (& enclosed token payment with letter too ).

 

I get letter from Lloyds dated 16th June requesting an IE completion within 14 days.

 

I get letter dated 29 June from SCM Solicitors demanding full payment on behalf of Lloyds.

 

I then sent letter dated 30th June disputing the default since they had not complied with my CCA request, not even bothered to respond to it. I stated they are now in breach of their Section 78 duties & gave them 7 days to reply which they have not done.

 

What should I do regards their completely ignoring my CCA request and the default served after it? Should I also fill in the IE sheet?

 

Apologies of these posts are long but I thought to get best advice you need all possible info. Thanks

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...