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    • Sars request sent on 16th March and also sent a complaint separately to Studio. Have received no response. Both letters were received and signed for.  I was also told by the financial ombudsman that studio were investigating but I've also had no response to that either.  The only thing Studio have sent me is a default notice.  Any ideas of what I can do from here please 
    • Thanks Bank - I shall tweak my draft and repost. And here's today's ridiculous email from the P2G 'Claims Dept' Good Morning,  Thank you for you email. Unfortunately we would be unable to pay the amount advised in your previous email.  When you placed the order, you were asked for the value of your parcel, you stated that the value was £265.00. At this stage the booking advised that you were covered to £20.00 and to enhance this to £260.00 you could pay an extra £13.99 + VAT to fully cover your item for loss or damage during transit, you declined to fully cover your item.  Towards the end of your booking on the confirmation page, you were then offered to take cover again, to which you declined again.  Unfortunately, we would be unable to offer you an enhanced payment on this occasion.  If I can assist further, please do let me know.  Kindest Regards Claims Team and my response Good Afternoon  Do you not understand the court cases of PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729)? In both cases it was held by the courts that there was no need for additional ‘cover’ or ‘protection’ (or whatever you wish to call it) on top of the standard delivery charge, and P2G were required to pay up in full for both cases, which by then also included court costs and interest. I shall be including copies of both those judgements in the bundle I submit to the court next Wednesday 1 May, unless you settle my claim (£274.10) in full before then. Tick tock…..    
    • IMG_2820-IMG_2820-merged.pdfmerged.pdf Case management was this morning. Here is the Sheriff’s order. Moved case forward to 24/05.   He said there was no signed agreement and after a bit of “erm, erm, yeah but, erm” when he asked them, he allowed time for sol to contact claimant.  what is the next step now? thank you UCM  
    • I've had a quick (well, quick for a thread of this length),  read of this thread and to be honest I'm struggling to make heads nor tails of the actual crux of the issue here. You seem awfully convinced that whatever is going on is worth the fight and the odds are in your favour but with how the thread has gone it seems that one trail goes cold so you simply move on to another in an attempt to delay the inevitable. All it does is end up digging holes and confusing others and yourself which means any advice given to you is completely pointless. I note that for the life of this thread there has not been any documentation or correspondence uploaded for people to have a look. Have you got any that you'd be willing to redact and upload for members to assist you? Right now, it seems people are shooting out advice while being in the dark because it's starting to become very difficult for people who weren't here at the start of this (including myself) to follow along. Right now, this whole thread is just hypothetical "He said, she said" and is going nowhere fast. Nothing more than basic advice can be given which, as you've sought out some legal advice, is likely not sufficient to actually come to any sort of conclusion. I, personally, am starting to agree with others that it may be best to consider bankruptcy and put the matter behind you.  
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New to forum, mega mega debt - not sure which way to turn


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Hi folks, have only just discovered this forum but it looks like somewhere I can get support. Our debt has accumulated over the past maybe 10 years, all on credit cards. Were coping ok to begin with but then monthly % payments were increased as were the interest rates as we were only paying the minimum and things just started to spiral - horrendously. Without my husband's knowledge I went through Payplan in March and arranged a DMP for the debts in my name only - most offers were accepted and most have frozen charges - will still take ten years to clear. MBNA have sold to Optima Legal Services who now wish to take legal action which scares the wits out of me. Still not coping and am robbing Peter to pay Paul to pay the payments on my husbands debts. The strain and worry is making me physically ill, and I have eventually revealed most of the extent of the debt to my husband [i had been telling him everthing was fine!] We do have a mortage and could raise some finance through remortgaging [if we can find a lender] - but I don't want to sell the home completely. Dont't know which way to go - try to set up a new DMP for all the debt, keep my DMP and remortgage to clear husbands debts, remortgage and see whether companies will take a lower full settlement figure. I feel so guilty at getting in to such an awful situation which is mostly self inflicted, my husband has a good income it shouldn't have turned out this way - especially when I read on hear situations that others are in through no fault of their own. Can anyone make any suggestions?

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  • 4 weeks later...

I too am fairly new to this forum but just wanted to say that I too have lots of debt (approx. £30K) on ccs and loans, I found this forum in June and am in the process of writing to my creditors offering lower payments. 2 have accepted so far but I will persevere with the others.

 

I hope someone with more knowledge will post some advice here but in the meantime maybe you could read through the advice people have given me in my thread, it might help.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?263744

 

Good luck.

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First off do not take anymore loans whatever you do!

If you are struggling now this will just get worse - once you are on a DMP and are making payments - that is it end of as for the company passing the debt over I suspect it is more than 6 years old which could make it statute barred

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Best to post up the details of the debts.

 

The amount outstanding and when you believe the accounts were opened. If you truly don't have a clue then it may be best to get a hold of your credit report (from any of the three agencies - BUT, only get the standard £2 one), and see what has been recorded. As you are now (or are going to be on) a DMP, your credit report will not look good for some time.

 

I would advise sitting down with your husband and sorting through ALL your debts, his debts and joint debts - as your DMP will negatively affect his ability to get credit if you are financially linked (which I guess you are if the mortgage is in both your names). Sit down and be honest with him, afterall he is your husband and will be angry for all of 10 minutes - but, will then be a source of much needed support over the coming months.

 

You will get through it - although it will take some time to see.

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