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    • Sorry I didn’t think to come and update this.    So the outcome was that he went to court. Apparently the judge told the landlord off for not sending a letter before action but did nothing about it. He didn’t accept all the damages the landlord claimed, and told him off for accusing my friend of deliberately and maliciously damaging anything, and he awarded him small amounts of the damages he claimed for. The landlord had also made an awful lot of things up that never existed and accused my friend of stealing them, and the judge didn’t accept any of those claims.   However, I’m back asking advice now. So he made an offer of payment via the court forms, sometime before Christmas and straight after the hearing. The landlord didn’t reply so the court accepted the payments.  My friend has been paying the £10 a month each month. Then a couple of days ago he had received a letter from court with a hearing date in a couple of weeks, and a very irate letter from the landlord saying that my friend has consistently lied and that nothing he says should be believed, and that he wants the bailiffs to be called on him and that he absolutely refuses the payment plan. The letter is marked as received by the courts in December and this is the first that’s been sent since then. My friend and his wife are now panicked, what does this mean? And can they now get bailiffs sent round? He earns an ok wage, which somehow the landlord has referred to in his letter, but he equally has a lot of expenditure and can’t afford to pay any more. What will happen at this hearing and can they send out the bailiffs just because the landlord wants them to?    I have no clue what to advise him, can you help at all please?
    • Thanks Bank – I took your cynicism / experience on board and responded thus: Thank you for your response Mr Schnur  I set out my position quite clearly in my letter of claim and nothing has changed. Your insurance requirement is unlawful and is contrary to section 57 of the Consumer Rights Act, and also section 72 of the same statute. I would also refer you to the outcomes in PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729).  My deadline for action - 1 May 2024 - still stands.
    • The other thing is that you are making a big mistake imagining that they are at all concerned about wasting court costs et cetera. They are only concerned about being obstructive and discouraging others.  
    • I have dad's last will from 2019 which mentions the trust. I am in the process of going through probate as the only thing that needs probate is a couple of shares he has (under £3000).  Speaking to my brother and my dad's wife they wouldn't mind going with another solicitor if we need to pay extra for the trust.   
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Young lad with lots of debt


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Hey guys new here,

 

Bassically i owe alot of money to alot of people, i was hoping to get some adivce from you people on here :)

 

What i Owe:

Barclaycard : £303

Barclays: £115

Payday Express: £240

The money shop: £200

Capital One: £200

Wonga.com: £400

 

So thats a total of

£1458...

 

I earn £380 a month.

 

Whats the best way to go about paying all this off?

 

Thanks

 

 

Ryan Sweet

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Hi and welcome to CAG

 

Can I be personal and ask how young?

 

There are some great blogs within my signature that will help you to deal with this.

 

Whatever you do, don't phone anyone. Deal with this in writing. Also have a good read around the forum. There are lots of threads very similar to yours

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Of course :) i am 19, i got into a bad patch of gambling and being greedy i really do need help, im currently under a debt management plan with Fresh Start Finance / Harrington Brooks but i want to stop that. I only have £70 a months to pay these debts off with. could someone help me finding a way of doing that?

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Yes. STOP paying for the privilege of paying off your debts.

There are two companies that do not charge. They are Payplan and CCCS although with your disposable income so low, they may not take you on.

 

You could look at the National Debtline website as they have some sterling info.

 

http://www.nationaldebtline.co.uk/

 

Were you over 18 when you took the loans out?

 

Within this LINK there are some very good letters to help deal with your creditors

 

Don't worry too much about charges just now except, you put Barclays as a separate entity to Barclaycard. Is this a bank overdraft?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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National Debtline is another free debt management service and yes they will certainly offer excellent advice.

 

Do come back if you have any further questions :)

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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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You need to get the overdraft charges frozen and paid off as soon as possible. Use the letters in the link I posted earlier to help do that. Overdraft charges cannot be claimed back unless they were due to Financial Hardship.

 

Can I say that for a 19 year old, you are being very mature by dealing with this however, if you should need them , try Gamblers Anonymous

http://www.gamblersanonymous.org.uk/

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I have already spoke to them and rather than spending £100 a week on gambling i spend little as £5 a week so its an improvement!! :) ill speak to debt line tommorow and see what they say

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Confession time. I was where you are now and I was about the same age. Every payday, my wages went straight into the nearest slot machine but it took me 10 years to rid myself of the chain but I did it and from the sounds of it, so can you. The temporary high I got was lots better than the despair I felt when I wasn't winning (which was most of the time)

As well as support from GA, you will get it here.

Good on you :-)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Want to just say how lucky you are that you have found this site so quickly, by the time you have payed your debts off you will never forget the help you get from this site,

 

Gambling is a nasty habbit and i did go through a spell at one point when i was about 21 and thankfully i managed to get out of that dangerous game,

 

All the best mate

 

Baz

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If it was me i would go with the cccs give them a ring get them to sort out all the letters and communication and WHEN you feel confident i would go it alone, Either way you do it we have massive od advice on here...

 

What is your gut instinct telling you?

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No it wont matter you can only pay them what you can comfortably afford, Ring the CCCS and they will go through everything with you mate. The biggest thing is admitting which you have done, the next big step is getting in contact with them, tell them everything dont leave anything out and as soon as you speak to them i can GURANTEE you will feel a weight lifted, then go and have a cold beer!!

 

Then get yourself organised, with a folder and labels etc, If you like read my thread which i started when i first come to this site, it goes through the start, the slight problems and all the advice i was given by the experts on here that have done and seen it all!!

 

If you need anything i come on this site every day so feel free to inbox me

 

Baz

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If your surplus is £70 per month it is unlikely that you'll be able to use a free DMP through the likes of CCCS or Payplan, but there is no reason why you cannot do it yourself using the materials on this site and via the national debtline website.

 

they key is to ensure that all negotiations are in writing, as previously mentioned.

 

Getting a realistic budget sheet together should be the first port of call :)

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