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    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have they actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
    • Am in the middle of selling my house but it's been held up as still showing a change on the property from welcome finance, have not had any contact from them for years or prime credit and need this sorting asap
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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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Dealing with Customer Service Departments? - read the CAG Guide first

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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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