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    • Hello,   First things first, were you given a ‘Notice or Intended Civil Recovery?’
    • hey evryone i am 16 years old and today i was caught by a undercover guy and have seen people recieve letters and letters demanding money from rlp i have been told i will recieve a fine of 300 pound which is ridiculous for a 2.50 powder however i would like to know should i ignore these letters or not im pretty sure my mum will bow down to the pressure of the constant letters however i wont and want to know if these people actually are legit or shuld i ignore
    • Hi, thanks for your replies, I wrote to them & this is the reply:   Thank you for your correspondence received on 16 October 2019, concerning the above Penalty Charge Notice. Contravention I have viewed your mitigation and the evidence of the Civil Enforcement Officer on the day in question. The issue is that you parked without clearly displaying a valid pay & display ticket or voucher. Mitigation Whilst you state that you ‘tried to buy a ticket using my card but both machines would not accept a card payment’, there is also the option to pay by phone using the RingGo app if you do not have any cash with you. A grace period of minutes is given to allow drivers time to purchase a ticket, the Officer on patrol observed your vehicle from 12:52 – 12:57 before correctly issuing a Penalty Charge Notice. Conclusion It remains the responsibility of the driver to ensure that there is a parking session in place before leaving their vehicle parked. With this in mind I have upheld the Penalty Charge Notice and rejected your challenge. I will still accept the discounted amount of £25.00, provided payment is received within 14 days of the date of this letter. Payment can be made by post to the address
    • Hello all, hope you are all. Its been rather quiet on the a western front until today. I've received Directions of Questionnaire form N180 in the post. I've still had no copy of cca or cpa that I requested back on 20th August.    Please can you advise me how to proceed now   Thanks in advance Michelle
    • Hi - Quick update. I've spoken to the Holiday Inn Express and they told me to write to them explaining what happened and they'll get the charge cancelled, even though it's a DR+ letter, they confirmed they will talk to PE. It'll take about 4 weeks to cancel. I've sent that off. Have I done enough (for now)? I won't assume this has worked until I get a formal confirmation back.   The other suggestion you had was to write a short 2-liner to PE to ensure they have my correct address as they have failed to get any correspondence to me to date. Should I still do that in parallel? Belt and braces.   Finally - I'm still sitting on my snot-letter to PE re GDPR request. Again - sit on that still for now? If nothing else it gives them work to do that they can't ignore and proves they have my correct address details (or not)   As you might be able to tell, I'm a fan of several lines of attack, but I'll be guided by experience....   Many thanks Choco 
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Overdraft limit exceeded - can't pay - Default Threatened

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Due to income restrictions (and a bit of head in the sand), I've fallen behind with an A&L authorised overdraft of £6500 ish.

 

A&L allowed certain DDs to be paid on the account which pushed into unauthorised OD territory and it's escallated from there.

 

There's now over £7k owing, they've cancelled the authorised OD and threatening me with a default notice under the CCA, section 87 (1).

 

What should I do? I don't have £7k to pay this.

 

 

Odd

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one of the first things that you should do is to start cancelling the direct debits. The reason for this is that you may well find that you have other people try to levy charges against you for not having received direct debit payments. You will need to start dealing with all your regular payments manually – and make sure that they are done in good time so that payments clear and you don't get additional pressure from other directions – which I'm quite sure you don't need.

 

The next thing you should do is to make sure that you start talking to your bank. You need to do this to show that you have done everything you can to communicate with them and to be reasonable and that you are not trying to avoid the issue. You need to do everything in writing or else install a call recorder so that you can prove what you have been doing. This is because if you deal with your bank on the phone, there will be misunderstandings or you may even end up talking with somebody who is may be more sympathetic in some way and makes an agreement with you which later on the bank tries to deny. This is not uncommon. Don't trust your bank.

 

If this really is the full extent of your indebtedness – meaning that you haven't got other loans in arrears and you haven't been borrowing Peter to pay Paul, then it could be an idea for you to ask your bank for a consolidation loan. Normally I wouldn't dream of giving this kind of advice to anybody. However if you are clear elsewhere then this could be a way to go. A consolidation loan would have a cheaper interest rate than your overdraft rate. It would be attractive to whoever you're talking to the bank because they will probably get a commission for selling you the loan. However, here are some warnings: don't borrow more than you need to. In order to increase their commission, bank employees will often say – he is the amount you need and you may as well have 1000 or so extra because you have the money to pay it off. This is the beginning of the slippery slope.

 

If you get a consolidation loan, then do not accept the restoration of your overdraft facility either completely or partly. This also would take you on the slippery slope.

 

You certainly need to tackle this quickly in order to try and stop it sliding. The bank has a duty to discuss with you and to cooperate with you to help you solve your problems. If they do not do this then they are in breach of rules which require them to treat you fairly and which are imposed by the FSA. This is why you must document everything.

 

If the bank refuses to discuss with you. If you go to the bank with a realistic plan for sorting out the problem within a reasonable amount of time, and they refuse to cooperate, then they are treating you unfairly and you should begin a complaint to the Financial Ombudsman Service.although this would not solve your short-term problems, it would put everything on record and I think that it might be significant enough to the bank to decide to help you.

 

A £6500 overdraft is not a comfortable thing to have around and if you play this correctly, this could be your opportunity to get your head above water. However you will have to deal with it – and if you don't then life will get tough.


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Sadly, the extent of debt is considerably greater than this. Really struggling to make various payments and falling behind in other areas too such as BTL mortgage mayments and credit cards. Big tax bill to pay also.

 

We have property and some moderately valuable assets, but liquifying them isn't a quick enough process.

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well you must at least make the contact that I suggested and keep the records I suggested. It sounds to me is if you should be working out income and expenditure schedule and then supply it will your creditors.


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just a thought, but is your salary / benefits paid into this account? if so are they being swallowed up by the o/d? if so you may want to consider opening a basic bank account while you attemp to agree some kind of repayment plan with the bank and the rest of your creditors.

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Ask for collection department that deals with old a and l customers. I too get stuck there and was unable to eat or pay bills I told them look take 15 pound off the overdraft every month as I obvoiusly was not on a situation to have one they agreed job done. I am butchering and getting rid of all the pre-recession credit I have as it's a cancer to my finances and like many I feel sometimes powerless as my expendable money was limited. Once you start to pay things of each month it gets alot easier.

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Hi i am in same situation had overdraft of £100.00 borrowed £65.00 of it then lost job so unable to pay anything back i informed them that on benefit and no other income but they have refused to listen , sent proof of dwp letter but with charges they are now demanding payment in full of £845.00

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Hi i am in same situation had overdraft of £100.00 borrowed £65.00 of it then lost job so unable to pay anything back i informed them that on benefit and no other income but they have refused to listen , sent proof of dwp letter but with charges they are now demanding payment in full of £845.00

 

you need to start a new thread

 

of your own

 

this one is +3yrs old

and you wont get seen here.

 

dx


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