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    • should have come here first really. What you requested was a load of irrelevant twaddle. What was the original debt? Have you moved since taking it out? If TM Legal are chasing, that should means that Perch own it now? Did you get the letter of claim by email or post? You should kill the emails immediately.   
    • sorry I have been confused by Statute Barred meaning. I thought with Statute Barred the debt cannot be chased 6 years after you have stopped paying.  Originally I set up a payment arrangement with all the companies around 2008 when things went horribly wrong. At that time the payment arrangement was with the original creditors.  I still have one of the original creditors who I pay each month (Cap1). I thought that if you make a payment arrangement you have to stick to that situation throughout. Also, MDR (Moorcroft) have been taking a monthly payment on behalf of M & S Bank for about 5 years. When I sent MDR a CCA request I got a copy of the original agreement sent to me directly by M & S Bank about 5 weeks after my CCA request. Sorry for my ignorance but would you suggest I stop paying all including Cap1 who are the original creditor? TIA
    • London1971 without divulging too much into his mental health he has issues regarding anything to do with government and so is it ok to fill the forms provided and what do I put on there  thanks  
    • Dear all, I am hoping for some advice/guidance on this matter. I received a LoC dated 12/04/24 and replied to this on the 2/05/24 disputing claim with the following reasons: 1: [Inadequate Affordability Assessment]: I contend that your institution failed to conduct a thorough assessment of my financial circumstances prior to approving the loan. As a result, the loan amount and repayment terms were not suitable for my income and financial situation. 2: [Unsustainable Repayments]: The repayment schedule imposed by the loan agreement placed an undue burden on my finances, making it impossible for me to meet my other financial obligations without experiencing significant hardship. 3: [Lack of Transparency]: Your institution did not adequately disclose the risks associated with the loan, including any potential increases in interest rates or fees over the loan term. I also added the following: Under the Consumer Credit Act 1974 and the Financial Conduct Authority (FCA) regulations, lenders have a legal obligation to conduct thorough affordability assessments and ensure that loan agreements are suitable for borrowers' circumstances. I hereby request that your institution: 1: Conduct a full investigation into my claim of irresponsible lending. 2: Provide me with copies of all documentation related to the loan application and approval process, including affordability assessments, credit checks, and correspondence. 3: Cease all collection activities related to the loan until this matter is resolved. Yesterday i received the attached reply via email and it included: 1: The Original Loan agreement 2: An account statement 3: A copy of a default notice letter. The email included a link for a direct debit set up page where you enter their reference and your bank account details (looks like a standard D/D set up page) but there is nothing to indicate the amount of the D/D that I might be agreeing to. I also think two days response time is not long enough to appropriately reply. Any thoughts appreciated   Email-compressed.pdf
    • Easy to set one up on Gov.uk , search on Google.
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Bailiff fees for parking fines and magistrates court fines


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Hi, the fine which is made up can be made to go out your bank via standing order, less hassle if you know you can get arrested if you miss a payment.

The other thing you can do is to phone your local court and arrange a payment plan, they should inform you what times they are open from. You will then need to gis o in and show them you havent got the cash and what you are willing to pay and if need be that you need longer.

You will then be taken to the Judge who will slam his hammer and that will be the new order. Doesnt take to long, can be done on your own.

 

 

I dont think this is good advice Alistair.

In any case it seems that things are in hand now.

 

Its always advisable to contact the Warrant Officer by the number which appears on a hand delivered warrant.

If it is a warrant without bail,this is usually indicated in the header.

In almost all cases a date will be given to attend Court.

The downside of failing to respond is facing being arrested and if this is in the evening then you face a night in the cells.

If it falls on a Friday evening,there is a possibility of spending a weekend in the cells.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I think the letter was from the court as it was on HMCS headed paper although hand delivered. Before my OH had a chance to phone the person named on the letter this morning, he actually contacted him so OH has now agreed to pay half Friday and the rest within 4 weeks. We cant really afford that but OH cant afford to take time off to go to court either as he is self employed he would lose out on a days wages.

 

Many court are carrying out Operation Clampdown during February in an attempt to get income into the courts. Frankly, I have no objection to this way of trying to get the debt paid because NORMALLY the Distress Warrant is sent to Marston Group or Philips and this would have added an admin fee of £75 to the account together with a visit fee of £200 !!

 

By the court using their own "in house" Enforcement Officers, these fees have been avoided.

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Yes that makes perfect sense....275 quid is better in anyone's pocket than the bailiff's coffers.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 8 months later...

Hi

After a lot of reading on this site its got me thinking about the 2000+ I have paid for my partner in fees for magistrates and parking fines to bailiffs.

I have just found the paperwork for one which makes me so cross at my partners stupidity back then, it is for a parking fine plus bailiff fees totalling £654.11 (please see breakdown below). The paperwork shows partners van on the inventory but nothing was signed!

Parking Penalty Charge: 125.00

Bailiff Costs: 160.31

Attendance to remove/Removal Costs: 290.00

VAT on bailiffs costs: 78.00

Total amount due today: 654.11 - yes I paid it in full eek!

 

So basically its just over £529 in bailiff fees, makes you sick when if my partner wasnt so stupid it probably would have only been a £60 fine.

 

Anyways, is this allowed? It seems a lot! If its not right I would love to go about claiming it back :) This is just one of many lol!

 

Thanks

Stressed2009

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