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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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Setting up own DMP


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Hi Guys

 

what a great site top info here i've a question about setting up a DMP.

 

I've got a list of me creditors im working through the spreadsheets. I've two loans that have less than a year to go and would like to continue paying the current payment to complete them, and dmp the rest of me debts. Is this ok to do?

 

Creditors

  • Tesco Loan 1580 left to pay - 9 payments left
  • TV Hp 170 - 6 payments left (in fact as i've stopped all the DD to the credit card companies i was thinking of paying it off with the spare cash.) good idea?

the rest

  • First Direct loan £16,500 (8 payments made on 84 month term)
  • Nationwide 19.9% APR £2512
  • Santander 24% APR £3144
  • M&S 23.9% APR £2404
  • Halifax 24% APR £8650

 

After my budget i've around £450 to pay the rest (it needs maybe 600 to see the minimums paid). I'm only in 1 months arrears with nationwide and santander at the minute. but will be with all but FD and Tesco after payday. I'm planning to write the intial letters with token offers for the CC companies while I work out everything and set up a parachute account.

 

I was considering a further loan from my mortgage as we've loads of equity in our property - i know paying debt with debt isn't smart - but we've an ltv of 35% at the minute. My only fear is if we do that We'll be in the same boat as now maybe 12mths down the line. We can keep living on credit!

 

Sorry for the long and rambling post. Any help gratefully received.

 

With Thanks

Ian

Thanks

 

Ian

 

With Help fom everyone here!

 

So Far:

M&S Agreed temp arrangement £10 PM until jan 12

 

Nationwide Agreed to DMP Offer

FirstDirect closed account and agreed a repayment plan.

Tesco: Agreed to DMP Offer

 

Outstanding:

 

Halifax passed to Moorcroft but continuing to pay Halifax £5PCM

Satander: being awkward asking for excessive iinfo, now closed account

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follow seq's excellent blog in my sig

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Do you have any unwanted PPI on the loans that you could either cancel if you requested it or reclaim if you didnt ?

 

Do you have any charges on credit cards that you could reclaim ?

 

As already advised by dx, Sequenci's debt blogs will almost certainly be invaluable in setting up your own DMP.

 

If you need any help with letters, etc, dont hesitate to yell :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I'm following Sequenci's blog at the minute, I've no PPI on any of these just a few charges i can reclaim, and a load from my FD overdraft. I've a SAR letter to do for that. Back to my question can you pay some creditors in full while distributing the rest among the others, as they've a under a year to go and would release more funds to the other debts later on.

 

my initial letter looks like this.

 

We are writing to inform you that we are seeking advice and assistance regarding our current financial difficulties.

 

Since making that above agreement with you, my circumstances have changed, and I am not able to make the payments I had hoped to.

 

To this end, we would appreciate if you could hold any action on the above account for a period of at least 28 days, and accept a token payment of £5.00 by bank transfer on 28th April 2011 as a gesture of goodwill, and my seriousness in making good my debts.

 

Also, during this period, could you please freeze interest and/or any other charges accruing on the above account.

 

We look forward to hearing from you as soon as possible.

 

Yours faithfully

 

Only thing i need to add is a line about only corresponding in writing as satander have already been chasing me 2 or 3 times a day inspite of me speaking to them!

 

Cheers

Ian

Thanks

 

Ian

 

With Help fom everyone here!

 

So Far:

M&S Agreed temp arrangement £10 PM until jan 12

 

Nationwide Agreed to DMP Offer

FirstDirect closed account and agreed a repayment plan.

Tesco: Agreed to DMP Offer

 

Outstanding:

 

Halifax passed to Moorcroft but continuing to pay Halifax £5PCM

Satander: being awkward asking for excessive iinfo, now closed account

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I am not 100% sure, but I very strongly suspect the answer to that is no. The whole point of a DMP is that because of your financial difficulties you are not able to repay everybody you owe money to. The DMP therefore aims to take your disposable income and share it EQUALLY pro rata between your creditors. Obviously if you were to continue paying two at the current rate it would be totally unfair on anyone else in the plan and would be unreasonable to expect them to accept it on those terms.

 

I think you will have to include the two debts in your DMP and pay them off pro rata in line with all the others in order to be seen to be being fair and equitable.

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Ok thanks Tingy, I'll take that on board and recalculate it. 8-)

 

I understand the equal shares part, but its seems mad to push the Tesco loan beyond its repayment period. But if thats how i need to proceed then i guess thats the way to go. I'll send me letters off tommorow and keep this thread up to date.

 

Cheers

Ian

Thanks

 

Ian

 

With Help fom everyone here!

 

So Far:

M&S Agreed temp arrangement £10 PM until jan 12

 

Nationwide Agreed to DMP Offer

FirstDirect closed account and agreed a repayment plan.

Tesco: Agreed to DMP Offer

 

Outstanding:

 

Halifax passed to Moorcroft but continuing to pay Halifax £5PCM

Satander: being awkward asking for excessive iinfo, now closed account

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I've sent out the letters, and had a chat with a collections rep at Nationwide (very reasonable no pressure) if I go to a DMP they'll only accept it through a managed agency like CCCS can they do that? I'd like to have done this myself.

Thanks

 

Ian

 

With Help fom everyone here!

 

So Far:

M&S Agreed temp arrangement £10 PM until jan 12

 

Nationwide Agreed to DMP Offer

FirstDirect closed account and agreed a repayment plan.

Tesco: Agreed to DMP Offer

 

Outstanding:

 

Halifax passed to Moorcroft but continuing to pay Halifax £5PCM

Satander: being awkward asking for excessive iinfo, now closed account

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I've sent out the letters, and had a chat with a collections rep at Nationwide (very reasonable no pressure) if I go to a DMP they'll only accept it through a managed agency like CCCS can they do that? I'd like to have done this myself.

 

As long as you sign a statement of truth on the I&E form, then they should not discriminate against you if you want to set up your own DMP. This is just further proof of their need to control !

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Absolutely agree with citizenB. There is no reason whatsoever why they shouldn't accept a DMP done by the debtor in question. As said, they like to feel they have control and don't like it when you start taking that control away from them and back into your own hands which is where it should be.

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  • 2 weeks later...

Was trying to find in the OFT guidelines where it said they can't refuse to consider your own DMP but couldn't find it - sorry. Under a DMP, you can't choose who you want to pay the whole amount and who not to - that would be unfair and the Creditors can reasonably request to see a list of all your debt and how much you are offering to the rest of your Creditors. Just recalc your unsecured debts as Tingy suggested and whatever you do don't ever send them a bank statement - as they will sometimes request before accepting your repayment. They can't request this, only a court can request this from you. It's probably a bit late, but I would have got a signed Credit Agreement from them all by sending a CCA request to see if you had any insurance that you could have used to cover your payments or whether they still had the agreement ;). Only then would I have sent the repayment offer and financial statement with my signature.

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On your I&E, you do not have to identify your other creditors.. say as Tesco, Halifax, etc. You can list them as :

 

Credit card 1

Secured loan

Personal loan

Catalogue..

 

 

HTH

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks Guys for the great advice. This is the first month in a long time where we've still got cash in the bank at this time in the month!

 

I was about to start drafting my offer letters tomorow. National Debt Helpline suggested i could if i wanted to pay say 1 debt in full, bearing in mind if i do it myself its not actually a "dmp" apparently so the rules can be more flexible! as long as my creditors agree, and its all detailed in the I&E form i send in.

 

Also I was going to claim for some bank charges i've a bout 3K's worth over the last 7 years ! :shock: after FD sent me my SAR back. That should see off at least one card !

 

Also another question we've put the house on the market and are planning to downsize. As i said further up this post we've a fair chunk of equity to come. We're hoping to be on our way in 2-3 months (touching wood), do I stretch out the token payments and go for F&F or do i start with the pro-rata'd amounts, and then try for F&F.

 

Cheers

Ian

Thanks

 

Ian

 

With Help fom everyone here!

 

So Far:

M&S Agreed temp arrangement £10 PM until jan 12

 

Nationwide Agreed to DMP Offer

FirstDirect closed account and agreed a repayment plan.

Tesco: Agreed to DMP Offer

 

Outstanding:

 

Halifax passed to Moorcroft but continuing to pay Halifax £5PCM

Satander: being awkward asking for excessive iinfo, now closed account

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Tingy, your right it's not in the OFT guidelines. What it was I saw was that they can't refuse to negotiate with a 3rd party. Anyway Ive benn doing my own DMP for 3 years and not had any real issues.

 

Ian, you could tell them you are working on your own DMP and are sorting out your finances, offer them £1 and ask for 3 months of no action. Now that is in the OFT guidelines of irresponsible lending that they need to give you time to sort out your finances. Google OFT1107 and look for Section 7.12.

 

That's what I would do so hope that gives you another option to consider.

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Thanks Scotty, I'll take a look at that I'm getting ready to write my next set of letters with my offers, however I'm concerned that not one of the creditors has yet responded to my original letters, should i keep paying the token amounts until i get some response/agreement to freeze charges?

 

BTW halifax credit cards have send a statement with a section in block capitals suggesting it can tap into a halifax account we have with them, bearing in mind its overdrawn would they still go at it? only the child benefit goes in there currently.

 

Thanks for all your help guys (any computer issues fire any questions this way - quid pro quo after all - its what i do for a living)

 

Cheers

 

Ian

Thanks

 

Ian

 

With Help fom everyone here!

 

So Far:

M&S Agreed temp arrangement £10 PM until jan 12

 

Nationwide Agreed to DMP Offer

FirstDirect closed account and agreed a repayment plan.

Tesco: Agreed to DMP Offer

 

Outstanding:

 

Halifax passed to Moorcroft but continuing to pay Halifax £5PCM

Satander: being awkward asking for excessive iinfo, now closed account

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Hi Ian

 

A few important things:

 

- Get a "parachute account" ASAP. That is open another bank account with someone you DO NOT OWE ANY MONEY TOO as Halifax are within their right to offset your balance. Even though it is benefits - they will take it (although they are not allowed too). You will get it back, but save yourself the hassle of trying to reclaim it - trust me on this one, they did it to me and I took them to task for over 3 years to get the compensation they owed me for the hassle they put me through!

 

- ALWAYS SEND LETTERS RECORDED DELIVERY (signed for). It only costs £1.23 per letter, but hold onto your receipts, keep a copy of the signed for receipt that you can print off from the Royal Mail and always write a copy of the recorded delivery number on the letter.

 

- I would keep paying your token payments, although I have just managed to get all of my Creditors to accept nothing for 3 months from my partner and £1 from me for the next 3 months with some well worded letters :) ! Even if they reject your token payments, still keep paying them as they can't reject your payments but can reject your offer.

 

In my experience, Creditors normally take about 2 weeks to get back to you. Those idiots that send threat-o-grams (DCA's) are terrible to get back to you, that is why you need to send it recorded. I find that dealing with the so called "Solicitors" is easier as they tend to stick by the rules - they need to that is why they are lawyers.

 

So get a parachute account asap or put your money under your mattress as trying to get it back from HBoS will be like getting blood from a stone. If they take it let me know and I can give you a letter that will help you get it back. Prevention is better than cure!

 

Oh, by the way, I'm unfortunate like you and work in IT, but i'm pretty fond of a nice pint of Stella! LOL!

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Cheers scotty, Tingy,

 

I've already set up a barclays card cash account set-up ready. The halifax one is an old account we've never closed my wife uses for ebay proceeds and the child benefit. it has a small overdraft on it but she's not the best with money so its always overdrawn. My current bank First Direct are behaving well so far so i'm not ready to move my account yet. We'll see if they're the same when i offer them a reduced payment on my loan (currently my largest unsecured debt). I'm sending in a bank charges reclaim today lets see what they do?

 

Thanks again

Ian

Thanks

 

Ian

 

With Help fom everyone here!

 

So Far:

M&S Agreed temp arrangement £10 PM until jan 12

 

Nationwide Agreed to DMP Offer

FirstDirect closed account and agreed a repayment plan.

Tesco: Agreed to DMP Offer

 

Outstanding:

 

Halifax passed to Moorcroft but continuing to pay Halifax £5PCM

Satander: being awkward asking for excessive iinfo, now closed account

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Good luck. Just so you know I had an overdraft on mine that was maxed out but I still got my tax credits back. If it's overdrawn don't think they will take anything from it but dnt risk it. Dnt give them a penny more than you need.

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Great advice on this thread. Nice to see so much brilliant help being given.

 

Indeed I'm very grateful to scotty and Tingy for all the help and direction, And today is no different :wink:

 

I've had a response from satander they asking for an I&E form (which is fine - I'll send my own rather than the one they sent) and a Bank statement and payslip to which my gut reaction is b*gg*r off. I recall one of you saying it needs a court order for such things? do i need to?

 

I'll probably follow up with another letter sending an I&E and maybe a offer and ignore the requests for payslips and statements.

 

Cheers

Ian

Thanks

 

Ian

 

With Help fom everyone here!

 

So Far:

M&S Agreed temp arrangement £10 PM until jan 12

 

Nationwide Agreed to DMP Offer

FirstDirect closed account and agreed a repayment plan.

Tesco: Agreed to DMP Offer

 

Outstanding:

 

Halifax passed to Moorcroft but continuing to pay Halifax £5PCM

Satander: being awkward asking for excessive iinfo, now closed account

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Capital one also asked me for the same information, but after some letter tennis they agreed to the payment i was paying them and stopped the interest, I am still a bit cautious as i am only on a short term arrangement so no doubt the phone calls and letters will soon start arriving! But yeah it is right only a court/judge can order to see payslips and bank statements!!

 

Good luck with it all!

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No probs :oops: Remember though, this is just the way I would deal with it, well have really so don't go on my advice alone! Most of the stuff I know - I have learnt it from here - the CAG university.

 

Wouldn't give them anything other than an I&E sheet. Only a court can ask for the rest. Don't short change yourself on the I&E - it has to be affordable and sustainable to YOU. I had been paying under £2 to one of my debts for almost 2 years and never really answered the demands for payslips etc, in the end they dont really want to take you to court for the court to turn around and say "you can't have what he's not got" !

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Absolutely right. They can't even demand your IE form, but realistically they will never come to an agreement without it. As said above be very careful on your IE sheet. Make sure you factor in absolutely everything that you spend on. People often look on the positive side and assume their car will never break down, no house repairs will be needed, fuel prices won't continue to rise, cat tax, MOT, soap, toothpaste, everything! It adds up.

 

I came across one earlier who had very sadly included overtime as part of the income and now overtime has been stopped and there is over commitment. Be careful not to fall into these basic traps.

 

Great to see you making progress though!

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here's My next letter to the creditors is this approach ok?, I've taken your advice tingy and censored the I&E form to just type of credit. On the subject of IE - haircuts? mines not a problem but mrs tioaboa has a her hair coloured and such and that seems to cost a small fortune, she's stepped it back with groupon deals and shopping around but it still adds up - I'll included it will they question it? it can be as much as 60 quid.

 

I am writing to inform you that have sought advice and assistance regarding my current financial difficulties from CCCS. I am now asking you to accept a reduced monthly payment and freeze all interest and charges on the account.

 

It is clear from the advice from CCCS that I can only afford to pay unsecured creditors at total of £xxx. As I must treat all creditors fairly I have divided this amount between you all on a pro-rata basis. My offer to you is £xx.xx

 

However unless you confirm your acceptance of this arrangement I shall continue to pay a token payment of £5.00 by bank transfer on 28th of each as a gesture of goodwill, and my seriousness in making good my debts.

 

Written communication by post or e-mail is my preferred method of contact and I will not discuss the matter any further by phone.

 

We look forward to hearing from you as soon as possible.

 

As always thanks for any advise. btw should i include a harrasment type statement to try to stop em calling up? if so any recommendations

 

Ian

Thanks

 

Ian

 

With Help fom everyone here!

 

So Far:

M&S Agreed temp arrangement £10 PM until jan 12

 

Nationwide Agreed to DMP Offer

FirstDirect closed account and agreed a repayment plan.

Tesco: Agreed to DMP Offer

 

Outstanding:

 

Halifax passed to Moorcroft but continuing to pay Halifax £5PCM

Satander: being awkward asking for excessive iinfo, now closed account

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