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    • You are receiving what you bargained for / accepted, for both contracts (site access & tent). Did you book the tent for 4 nights, knowing you could only use 3. if the tent had been available for 3 nights only: you could have contracted for that. if it wasn’t, and your choice was “pay for 4 nights, get 3 nights use” or “don’t book” - you made your choice, and agreed a contract.   They are now offering others more, but provided you are receiving what you contracted for and no less, you don’t have a cause of action.   if you want to get “more value” from the tent contract : consider paying the site’s early access fee. If you choose not to you’ll still get what you originally contracted for so aren’t actually worse off, even if you feel slighted.
    • Hi,    I'm not sure if this is the correct forum for the following, and am looking for a general consensus or thoughts on whether i have cause to take action or not?  It's long winded but I've tried to be as concise as possible with the facts of the matter.    We booked a festival ticket for an event running from Friday to Monday, in addition we booked via a separate 3rd party company a luxury tent in that companies camp site within the festival. This was at a considerable cost.    Sometime after the purchase of the festival ticket, the organisers announced acts for the Thursday night and an early entry ticket for that night at a reduced cost.     We are not in a position to purchase an early access ticket, as we're unable to change our plans.  On the festival forum those who had purchased an early access ticket for Thursday entry questioned whether they would be able to have an extra night in the luxury tents, otherwise what would they do? The festival organisers said they would be able to. However when we queried the 3rd party they explicitly stated their site was not available on Thursday and would only be open Friday to Monday.  A number of other people reported the same response.   It was on that understanding that we did not actively try to make arrangements that would have allowed us to purchase an early access ticket.    Then all of a sudden the 3rd party changed its position and an email was received to say anyone booked into the 3rd party site would have a free night on Thursday if they had paid the festival organisers the small amount for the early access ticket.    It doesn't seem at all fair some can benefit from this, and some cannot, and I've no problem with anyone who does benefit.    I've messaged the 3rd party and they maintain the terms and conditions haven't changed, they've just added an extra free night that anyone with an early access ticket can take advantage of. This was not the case at the point of sale, because if it was we would have made arrangements to take advantage, instead we were only made aware after they changed their minds to permit this, and we're now not in a position to benefit.    I believe the terms and conditions have changed, and as a consequence I'm paying for a 4 night luxury Tent, and only receiving 3 nights.     I believe it is reasonable to receive either a refund for one night based on the cost now covering 4 nights, or a free night, and a refund of the cost of one night based on the original total of the 3 night contract.    Am i right or being stupid?   Thank you. 
    • Scotland - I know there are some differences when compared with England around statute barred, there may be others I'm not aware of so hopefully someone else is keeping and eye and will correct anything that is said.   I've plans this evening with the fam, so this may be rushed and I might miss something. Given you have so many accounts in different stages, it will be difficult to dig into each individually but the same will apply for all and we will get there   Priority debts are essentially anything that keeps a roof over your head. Anything consumer credit (CC, loan, store cards etc) are NOT priority debts.   Yes, that's what I meant, but really I just mean you will have choices with some saved in the bank. It makes sense on smaller accounts that you offer F&F to clear them IF they aren't already defaulted as it will just lower the amount of communications you will start getting - BUT defaulted debts will show on your credit record and affect you whether you pay them off or not, 6 years from the default, then they will disappear (could be 5 in Scotland, not sure)   You're quite correct that the older the debt, the more likely the paperwork is missing, but some of mine were very new (2020/21 also) and they couldn't provide the documentation..   Lets start here:   -  lower the pro rata on all to £1 (don't provide any income & expenditure info) -  CCA Request to each company that has bought the debt from OC (the last letter from OC will state they've been sold to xxxx) -  get access to credit file -  Forget your morals, they have none   For those debts already showing in default on your credit file and have been sold, you can stop paying entirely until you receive a complete CCA from them   I'll be back later   BT
    • Just a question out of curiosity. What will happen when the 6 years pass since all this began. By this I mean my moving out of the property and all that has followed? From what I can remember I definitely moved out either May or Jun 2016, as my dob is May and I moved out soon after celebrating it. So what will happen when 6 years pass, could someone please explain? Thank you 😊   
    • The driver totally ignored the windscreen pcn, and got a NTK some 23 days later.Parking Eye are lying when they say the driver has been identified.The driver has not been identified to this date.
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H/B overpayment, court threat


HadEnough
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More problems, I had a H/B overpayments in 2005, Paid some back at the time and have paid extra when i've had the money. I ended up back on benefits last year, went into to a private let flat which i recieved HB for, now i'd forgot about this overpayment but i was reminded when they started taking £40,00 per month out of my HB, fair enough i owe the money so no problem with paying it back, my problem started because i had a written bond which only lasted 6 months, i was ment to save the £500.00 bond money in 6 months, because they took the £40.00 per month i couldn't save anything, in fact i turned the electric off and lived of reduced priced almost out of date food. Needless to say i lost the flat because of not haviong the bond money, this was 6 weeks ago, i'm now homeless again and have been trying to save for a deposit for somewhere else to live.

Today i recieved a letter demanding £150 in 7 days or they'll take me to court, i've rung them and explained to them but i was told that the minimum they would accept is £40.00 per month, obviously i haven't got that spare, living on the streets is more expensive than you'd think plus i want a deposit for somewhere before winter, i spent some of last winter on the streets so i'm not doing that again!

 

I should add that i'm on ESA and i'm another victim of the ATOS/DWP fiasco. Appeal date end of oct. I classed as vulnerable and under the "care" of the local mental health team.

 

 

Have i any options?

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Rbs £114 + contractual at 29.84% I won total=£125 no laughing it's a win

Don't moan about it DO SOMETHING ABOUT IT :D

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More problems, I had a H/B overpayments in 2005, Paid some back at the time and have paid extra when i've had the money. I ended up back on benefits last year, went into to a private let flat which i recieved HB for, now i'd forgot about this overpayment but i was reminded when they started taking £40,00 per month out of my HB, fair enough i owe the money so no problem with paying it back, my problem started because i had a written bond which only lasted 6 months, i was ment to save the £500.00 bond money in 6 months, because they took the £40.00 per month i couldn't save anything, in fact i turned the electric off and lived of reduced priced almost out of date food. Needless to say i lost the flat because of not haviong the bond money, this was 6 weeks ago, i'm now homeless again and have been trying to save for a deposit for somewhere else to live.

Today i recieved a letter demanding £150 in 7 days or they'll take me to court, i've rung them and explained to them but i was told that the minimum they would accept is £40.00 per month, obviously i haven't got that spare, living on the streets is more expensive than you'd think plus i want a deposit for somewhere before winter, i spent some of last winter on the streets so i'm not doing that again!

 

I should add that i'm on ESA and i'm another victim of the ATOS/DWP fiasco. Appeal date end of oct. I classed as vulnerable and under the "care" of the local mental health team.

 

 

Have i any options?

 

 

 

 

 

If it was me and its only my personal opinion, given your current situation I would pay only what you believe you can afford. Taking you to court is nothing to fear and may work in your favour..

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Can you not see if the local authority can apply to the DWP to pay a small amount weekly from your benefits? they took £5.80 from me per week for an overpayment of HB ( which actually wasnt an overpayment but thats another story.) All I had to do was ask the local authority to apply for this to the DWP.

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Hi and thanks for your replies, yes it's all my fault.

In my own messed up way i'm thinking to tell them to go forth and multiply, I'm not sure, but if i'm correct then i'll only get a couple of days and when they release me they'll have to find me somewhere to live thus solving my homeless problem.

Does anyone know more about this? or am i grasping straws??

Rbs £114 + contractual at 29.84% I won total=£125 no laughing it's a win

Don't moan about it DO SOMETHING ABOUT IT :D

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Already tried that for my last flat, written bond only, then theres the problem of finding someone who accepts that! took me 3 months last time! I hate to say it but the prison option looks to be my only way out of this nightmare.

It says something about society in general when this seems to be my only way out of this mess, a criminal record in exchange for a roof over my head.

Rbs £114 + contractual at 29.84% I won total=£125 no laughing it's a win

Don't moan about it DO SOMETHING ABOUT IT :D

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I classed as vulnerable and under the "care" of the local mental health team.

QUOTE]

 

do you have a social worker?

Im not experienced at this kind of thing and Im sure others here are, but "vulnerable" is a word I know that is used when dealing with the homeless... again from my own experience. sorry I dont know more. I got all the help I needed from a benefits/homeless solicitor who did legal aid .

Sushi-lover

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HadEnough my heart goes out to you. It really does sound like you're in a terrible position and sadly are not the only person out there who feels prison is better than their current living conditions.

 

Admittedly I don't know much about council housing but are you on any of their lists, or lists of any housing associations?

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If it was me and its only my personal opinion, given your current situation I would pay only what you believe you can afford. Taking you to court is nothing to fear and may work in your favour..

 

That's the best advice for I agree 100% with you that's exactly what I would do and going to court the OP can even pay less than the £40.00 asked.

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