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    • Hello just asking,? I purchased a discount new cooker as it had cosmetic damage, paid £250 After a few days I noticed the fan never went off, I contacted the company and they finally collected the cooker and took it away, ( for 7 days)  And fixed it, It never seamt right? It steamed up in the clock panel and the oven door was mis-lined It had multiple dints in the sides Top panel missing on the door to stop food dropping in, Shelving didn’t fit well Then main fan started to rattle and tap I put up with all this as it was *discounted Then one day whilst cooking we could smell a funny smell  Turns out the wires had melted on the back of cooker  I contacted the company again and it took a lot of phone calls to try and get the problem dealt with, speaking to several different staff.... I wanted a refund or replacement  I had had the cooker 6 months just! I asked for a refund or replacement  I contacted trading standards and citizens advice and they advised me what steps to take! Finally the company offered to replace the cooker, then later changed! As they explained that nothing came in to replace it they were too damaged! ( been told they buy at auction damaged) They wanted to look at the cooker and inspect the damage themselves, so I agreed they collected the cooker, No update, or communication I had to constantly chase them up  Nothing was sorted out with 7 days we had no cooker, I threatened Trading standards were now involved  Last thing on a Friday in June they rang to say I can collect the cooker it’s fixed!!!! I had expressed all along I didn’t feel safe using this cooker anymore with my family  I didn’t want this cooker fixing again ( by whom)  They started to blame me and said I should be grateful they aren’t charging me for the repair!! Still today in August this is not resolved  Trading standards have been useless  Citizens advice have told me to take them to small claims court!???? I have had to purchase another cooker  As I’ve been left without one. I am in a vulnerable situation in life, Im a carer for my husband and have children and have no one to help me sort this mess out!  I am struggling with making the county court claim ? What shall I do? ( sorry for long message) ✨
    • The committee's report is pretty damning, isn't it? The Home Office refused to supply the scientific evidence it said its decisions were based on and you can possibly see Demonic's hand in this - he has form for ignoring select committees.
    • and that facts start to come out 'Inexplicable' failure to quarantine travellers to the UK made pandemic 'far worse', say MPs UK ‘almost unique’ in rejecting border checks in crucial March period – without scientific basis – as hundreds of infected passengers arrived every day   https://www.independent.co.uk/news/uk/politics/coronavirus-uk-quarantine-travel-cases-deaths-covid-a9653451.html   "Strikingly, it says the Home Office refused to set out any scientific advice to explain the “grave error”, despite repeatedly promising to do so – a stance attacked as “completely unacceptable”."   So even aside from not testing in any way people who returned: "Yvette Cooper, the committee’s chair, said the critical mistake was the decision on 13 March – 10 days before lockdown – “to remove all self-isolation guidance for travellers arriving in the UK”."   "The MPs also pour scorn on the Home Office’s argument that 99.9 per cent of arrivals are obeying requirements to quarantine for two weeks, finally introduced in June. They describe the claim, made by home secretary Priti Patel as “unreliable”, because it appeared to be based only a limited number of compliance checks made and three fines issued."       So not only did Johnsons cronies NOT make any efforts whatsoever to test people returning, and NOT properly check people were self isolating, they actually stopped telling returnees to self isolate for 10 days before the country was locked down as the number of epidemic infections exploded.   Wonder why?   "The committee’s inquiry heard that, in the crucial 10 days between scrapping isolation guidance and the lockdown, up to 10,000 infected people arrived."  
    • You can pay on the day of travel or by midnight the next charging day..   Appeal to TfL on the grounds that you have already paid within the allowed time and enclose proof of payment.
    • Hi Andy should  try to sttle for A minimum f&F ?? Also what happens to older credit card debts in probate that we have all discarded??
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    • 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
jonjokes12

Help needed as im struggling with everything

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Hi,

 

I have read and read through these forums, and some people seem to be brilliant at helping out others, so im hoping that you will be helpful with me.

I have searched the forums, and the rest of the internet but i just cant make heads or tails of things as i have so much going on in my life. Im not looking for pity or sympathy, just the help of someone to point me in the right direction.

 

What happened was a few years of going off the rails, and not being on top of things and now i have a few loans / credit cards catching me up.

 

Currently i have received a letter from howard and cohen regarding a welcome finance loan of £2500 taken out in january 2008. They are requesting i make payment of £5780 immediately or they will take me to court and either get it listed against my property or directly out of my wages.

 

Should i try and negotiate with them, or pay up, or go to court etc?

 

I also have a similar one with black horse finance but for £1500, but thankfully they are only asking for £1400 as i have made some payments. Should i try and work out a plan with them?

 

 

I have a pregnant girlfriend right now, with our first child and i really dont want to bring my baby up with the fear of having the door bell go that the two of us currently do.

 

I appreciate any help that anyone can give me.

 

Thanks

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well if you've read up you know then that DCA's have no legal powers so even if they do doorstep you

you know whatto do .....call the police

 

you are under NO LEGAL obligation to converse with them on phone or at the door.

 

they are DCA's and have NO LEGAL POWERS

 

now.

 

welcome.

 

your agreement is prob pants and i bet you've got ppi/gap/etc etc

 

start a thread in the welcome forum.

 

as for blackhorse

 

same game really, rip-off merchants.

 

please dont pay attention to the threat-o-grams and stay off the phone too.

 

what about unlawful charges & ppi reclaims

 

bet you got lots you can pullback

 

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.

 

 

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Firstly I would advise caution with Cohen and Co. They will push a CCJ through at an old address if they can.

 

However, they have to first get the CCJ and you have to default on the payments ordered before further action on enforcement can be taken.

 

I would not advise speaking on the telephone, everything in writing to creat a 'paper trail'.

 

Follow the advice as above and we will offer assistance along the way.


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.

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Hi jon

 

I bet you had a sigh of relief when you pressed the enter button on your keybord with ya ' shaken finger' at 13.21 pm today.

 

Cos believe me it will prove to be the best thing you have done for a long time. as you have been advised, get your threads started and the help will arrive forthwith.

 

I remember my first thread, frightning eh! but not for long.

 

Good luck,

 

Mr W


Regards..Mr Worried :)

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Sit yourself down and do an I&E

 

List your priorty debts first such as mortgage/rent, water, gas electric, insurances, food, clothing etc., out. Look at your incomes, deduct from one another whats left is what you may have available to pay the creditors.

 

Do CCAs to all the credit card companys and any loans you may have. 1 pound (pound sign not working ) PO to each of the creditors along with the cca letter, typed name not signed. They then have 12 + 2 days to respond otherwise the "account in dispute letter" off to them. Make sure all your letters state COMMUNICATION IN WRITING ONLY. Send letters recorded delivery at the very least, keep a copy of any letters you send to them and any that are received.

 

DG

  • Haha 1

I have no legal training my knowledge comes from my personal life experiences

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So a £2000+ loan from 2008 is now £5000+

 

send cohen a prove it letter and also ask him if he has a credit licence, he is a "solicitor" not a dca, add in the letter that until he can prove he is working for welscum or whoever he can take a running jump, in the meantime send welscum a sar for the loan agreement and all statements, see if you had ppi which you can claim back plus any and all charges they have applied

 

sar cost £10 they have 40 days to reply, send recorded , also infom cohen that you are waiting for a sar to be complied with and until such time the account he can swivel


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Thank you very much for the responses, i did have a private message that mentioned going bankrupt but really would prefer to avoid that route if at all possible.

 

I think what cohen are requesting is the full fee including all the interest that would have been due on the account had it been paid in full from day one to closure of the account.

 

I will send off cca letters tomorrow, but am i right in thinking that these should go to the company that i owe the money to, and not the solicitors / dca's?

 

Im pretty sure i didnt opt for any insurance as im in a fairly secure job (if there is such a thing these days).

 

If they dont come back with the original CCA's does that really mean its the end, or could they at any point in the future provide these items and make the debt enforceable again?

 

Thanks you, im sure you all know this but having friendly correspondance regarding debts is such a weight off my shoulders, i really do appreciate it

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The CCA will go to who ever is chasing the debt now.

 

When you receive their response, then remove all personal information and scan and post them on here for the 'experts' to give their opinions.

 

If it is deemed they are unenforceable then as you surmise, they cannot enforce the debt through a court.

 

In theory that should be the end of it, but in reality they will still chase and sell on etc.


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.

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Thank you very much for the responses, i did have a private message that mentioned going bankrupt but really would prefer to avoid that route if at all possible.

 

I think what cohen are requesting is the full fee including all the interest that would have been due on the account had it been paid in full from day one to closure of the account.

 

I will send off cca letters tomorrow, but am i right in thinking that these should go to the company that i owe the money to, and not the solicitors / dca's?

 

Im pretty sure i didnt opt for any insurance as im in a fairly secure job (if there is such a thing these days).

 

If they dont come back with the original CCA's does that really mean its the end, or could they at any point in the future provide these items and make the debt enforceable again?

 

Thanks you, im sure you all know this but having friendly correspondance regarding debts is such a weight off my shoulders, i really do appreciate it

 

Jon

 

A Private Message telling you to go bankrupt??? on what basis? surely not your first post?

 

Mr W


Regards..Mr Worried :)

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Hi,

 

The CCA's will all be sent out tomorrow, so i will let you know how this goes on.

 

And the bankrupcy message was a little unclear.

What was said was that if my home was mortgaged then i shouldnt consider bankrupcy, but that if it wasnt it may be an option. I dont mind paying back what i owe, i would prefer not to as i think these companies are absolute vultures, but i do realise that there is money owed by me which i spent at some time.

 

Does anyone know what type of percentage the likes of welcome and blackwhores actually hold and keep the cca's?

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Hi,

 

The CCA's will all be sent out tomorrow, so i will let you know how this goes on.

 

And the bankrupcy message was a little unclear.

What was said was that if my home was mortgaged then i shouldnt consider bankrupcy, but that if it wasnt it may be an option. I dont mind paying back what i owe, i would prefer not to as i think these companies are absolute vultures, but i do realise that there is money owed by me which i spent at some time.

 

Does anyone know what type of percentage the likes of welcome and blackwhores actually hold and keep the cca's?

 

Can you explain the above ( red ) please.

 

Hi jon

 

I M O It should never have been mentioned, given this was your first post. cant understand why you would be told this may be an ' option '.

 

Take the advice you have been given. ( not the P M )

 

Mr W

Edited by Mr Worried
TYPO

Regards..Mr Worried :)

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please do not tell these leeches anything esp by sending I/E sheets

none of their business.

 

by very wary of PM's

 

pers i'd report the member if thats what was intimated.

 

i'd start a new thread in the welcome forum for that one when you get the CCA back .

 

sit tight

 

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.

 

 

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having re read my post i can see it doesnt make much sense. What i meant was, how often to these particular companies have the cca's requested, i.e is there a rough percentage. 50% of the time they have the cca....

 

Or is it just a case of hit and miss?

 

And i do believe the person who sent the private message was being genuinely helpful, although they did mention that a lot of people on here dont agree with bankrupcy, but they would seriously think about it

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Don't know the percentage but my Blackhorse was taken out in 2004 as is enforceable.

 

DG


I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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like ive said i really dont mind if they are enforceable, i knew i would owe the money when i took the loans out, but asking over double the amount i borrowed seems very steep.

 

Will send out the CCA's tomorrow and keep fingers crossed that i get some good news.

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There will be plenty of charges added to it which obviously can be looked into claiming back, you need to check to see if you actually had ppi on the loan as it is known for it to be added without people realising.

 

DG


I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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having re read my post i can see it doesnt make much sense. What i meant was, how often to these particular companies have the cca's requested, i.e is there a rough percentage. 50% of the time they have the cca....

 

Or is it just a case of hit and miss?

 

And i do believe the person who sent the private message was being genuinely helpful, although they did mention that a lot of people on here dont agree with bankrupcy, but they would seriously think about it

 

 

The above is really bugging me now, as dx says if this was their advice then I politeley ignore.

 

They would seriously think about it ???? What BR for 5k? NONSENSICLE.

 

Mr W


Regards..Mr Worried :)

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all in all my debts would amount to around £5800 without any interest or charges etc, in my eyes what i actually owe. But if i were to count what the companies are actually asking for we are probably looking at closer to £10k. I would imagine after all outgoings i have in the region of £125 to £130 that could be used as payment money.

 

I dont want to go BR as in a few years i would like to be looking at a bigger house for me and my family and i know that going bank rupt will kiss goodbye any chances of a mortgage for some time.

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and since im brand new on here and appreciating everyone and anyones input i really dont hope i come across as bad mouthing anyones advice. Im happy to take verything on board, and the messages i received were from a long standing member with a high post count. I dont want to tread on any toes or upset anyone

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Hi Jon

 

You've got some very good caggers posting on your thread.

 

The advice may seem a little overwhelming but by reading around the forum on threads that are similar to yours, you will soon begin to understand it all.

 

If you're unsure or confused by anything then just say so and you'll soon receive the explanation that will make it all clearer.

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and since im brand new on here and appreciating everyone and anyones input i really dont hope i come across as bad mouthing anyones advice. Im happy to take verything on board, and the messages i received were from a long standing member with a high post count. I dont want to tread on any toes or upset anyone

 

Jon

 

Yr not bad mouthing anyone, however get the BR out of your head, as Middlemiss says, your being looked after, as I was, and we all were at one time, chill m8, it gets better, quickly.

 

Mr W


Regards..Mr Worried :)

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im a member of a quite a few forums, cars, audio and hifi etc... and i can honestly say i have never in my life come across a more friendly and welcoming group of people. Normally when a newbie arrives on a forum they are just flamed down constantly and told all the answers are there if you search for them. Whereas those who have replied to this thread have probably said these things many times before, but are still more than willing to help someone in need.

 

Big thumbs up from me and my girlfriend

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Welcome from me too Jon.

 

Something I was always told about bankruptcy is that it should always be a very last resort.

 

If you file for B/R then I believe that a court may order any assets to be sold off to satisfy any creditors. One of my friends filed for B/R ages ago and I think it was six years before anyone would consider giving him credit of any kind - from an overdraft to a mortgage...

 

I'd say take the advice from the experienced people here, try not to worry too much. You've taken the first steps in sorting things out and the chances are that you'll be feeling much better about your situation in just a matter of days.

 

Best of luck with everything mate and congratulations on your impending new arrival!


Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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out of interest, should they come back with the CCA can they request / enforce me having to pay the full £5k+ immediately, or could i offer some form of payment plan...

 

Second to this would it be better if im going to have to make payment plans to go with someone like payplan etc?

 

Thanks in advance

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out of interest, should they come back with the CCA can they request / enforce me having to pay the full £5k+ immediately, or could i offer some form of payment plan...

 

Second to this would it be better if im going to have to make payment plans to go with someone like payplan etc?

 

Thanks in advance

 

Take it one step at a time-wait the 12 + 2 days until they send you a copy of your agreement then post it up here for caggers to inspect.

 

There will be plenty of advice forthcoming I expect about Welcome's paperwork.

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