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    • Hi,   Need some advice. I have had a Blemain Finance loan for a number of years. I have been in arrears for some of this, some with an arranged payment back period and times without. They asked me for details regarding buildings insurance and did say that if none were forthcoming they would arrange this. Over the years I've had hundreds of letters - many of which have just ended up in the bin asking me to contact them regarding this and that. They have also rang my mobile number many many times and left voicemail messages. Payment on the account has recently finished last year and they have said that the payment term has finished and I have paid the amount owed. Now they are telling me that I still owe #50,000 pounds on the account. I have asked them how come when the term has finished. They have said that there is 6,00 for insurance, 1,500 for arranging the insurance and the rest they are very vague about. Now I agree that in hindsight I owe them for the insurance but I am now panicking as to basically how I am supposed to pay off the 50k given I am 51 and looking to wind down my working life not ramp it up.   They have sent me a very threatening letter that they need payment by 4th Feb or they will seek to default on the arrangement and loose possession of my house. Help appreciated..... 
    • No i didn't have any phone calls from them apart from 2 weeks ago!    I have read that they are known for harrasment, but I didn't hear?    Do you think that would be a possible way to go? That account is closed though now but it was never registered at the address the loan was taken out. In fact I don't have anything with that address on it
    • I would tend to agree...there are lots of better alternatives...but at the least this need bringing to the attention of RAC and any other regulatory bodies.
    • 1. Range 2-14 days is not “incubation period is 14 days” that you keep banging on about, any more than it’d be accurate to say “incubation period is 2 days”.   Not only do I understand range, median, mode and mean, but distribution (e.g. normal distribution), and standard deviation too ..... having mentioned these previously. Search enough of my previous posts and you’ll see part of my work involves such.   2) I still don’t believe there are 3 authorised labs holding smallpox stocks. Which 3 labs? (You may find that it was always 2 authorised labs, even if it was stock transferred from one to a different one in the USSR, only ever 2 at any one time), but still waiting on you clarifying which 3 so I can see if that is the explanation for your mistaken belief.   You might want to read Kanatjan Alibekov’s (Anglicized : Ken Alibek) book ‘Biohazard’.   3) The smallpox vaccine target didn’t mutate and that was one of the key features in its eradication. It didn’t mutate over centuries. Seems little point in me repeating it yet again, so this is my last try on that point.
    • This is all I got from Northants.    THIS CLAIM IS FOR THE SUM OF £ xxx. Xx IN RESPECT OF MONIES OWING UNDER AN AGREEMENT WITH THE ACCOUNT NO.xxxxxxxxxx4899 PURSUANT TO THE CONSUMER CREDIT ACT 1974 (CCA). THE DEBT WAS LEGALLY ASSIGNED BY HOIST PORTFOLIO HOLDING LTD (EX BARCLAYS) TO THE CLAIMANT AND NOTICE HAS BEEN SERVED. THE DEFENDANT HAS FAILED TO MAKE CONTRACTUAL PAYMENTS UNDER THE TERMS OF THE AGREEMENT. A DEFAULT NOTICE HAS BEEN SERVED UPON THE DEFENDANT PURSUANT TO S.87(1) CCA. THE CLAIMANT CLAIMS 1. THE SUM OF £ xxxxx. COSTS     My phone was unable to record the call due to Google and android 9 stopping it. I have installed a new recorder for future use.    They also told me that the case had been sent to a different dept to attempt an attachment of earnings order which being self employed won't happen. They are still using the wrong address.    Robway emailed to say my complaint has been forwarded to Barclays Partner Finance and is on hold. I don't hold any hope that BPF will uphold the complaint.    Should a set aside be the next step?  While I wait for the CCA. 
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Can I afford to start new job?

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Dear all

I hope someone here can help me! I have had lots of very good advice re bank charges and am now looking for some help re benefits.

I was made redundant on 15th jan 2010 and since 18th jan have been in receipt of jsa contrib based at approx £130 per fortnight. Since 25th jan I have been receiving housing benefit at £175 per week and council tax benefit at approx £22 per week.

I have now been offered a job on a six month contract starting weds 28th July - I will sign off as of then.

My question is will all my benefits stop immediately? I will not be paid for a month and have no money to pay rent bills and debts.

I spoke to a helpful woman at the council today who said I was paid 2 wkd in arrears so when this weekends payment was done they would owe me the 2 wks arrears (but she also said the payment going through at mo covered me to 25th July so am confused as does the arrears mean am entitled to 2 wks after sign off?). She also told me to apply for a four week overrun which I will.

But how does jsa work? Can I get any more payments once signed off?

Sorry this is so rambling!

Any help very gratefully received!


NatWest Bank charges

01/10/06 S.A.R - (Subject Access Request) sent

06/10/06 Statements arrived

17/10/06 Prelim letter sent claiming £929

23/10/06 Bog off letter received

25/10/06 LBA sent

01/11/06 Second bog off letter received

 

MBNA Credit Card

17/10/06 S.A.R - (Subject Access Request) + £10 cheque sent

26/10/06 Letter telling me they will respond by Nov 16th

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JSA is also paid in arrears - two weeks in arrears. You will be entitled to JSA up until the day before you start work.

 

Your contributions should have (or due to be) exhausted around about now, as conts based JSA is payable for a maximum of 26 weeks only - have you discussed this with your advisor? In view of your being in receipt of HB/CTB, it would appear that as the thresholds (savings) are the same as that of JSA, you would likely qualify for income based once conts exhaust.

 

You might be eligible for the job grant

 

If you have no income whatsoever, you can apply for a crisis loan for living expenses as an alignment to wages.


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