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    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
    • I think they're inventing stuff now. They seem to know they won't be around to implement any of it.
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Debt help, such a mess


Clarkeyuk
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Hello all I'm looking for some advice my debt ha gone out of controll and yes I know it's my fault but I'm starting to lose sleep which effect my work and not eating and just stressed to the max and looking for some advice so here goes,

 

I have the following

£3000 overdraft maxed

£2000 Barclays credit card maxed

£1000 Lloyds tab credit card maxed

£1000 vanquish credit card maxed

£1200 Lloyds tsb loan (was £2500)

£625 quick quid

£375 payday uk

Car finance which I pay £289 a month

 

I pay £200 a month to live at home

 

I earn £1500 a moth to take home and I'm always overdrawn so the charge me nearly £100 a moth in overdraft fees so after I pay all my bills out of my monthly wage I'm left with nearly £200 a month to live with, I just don't know what to do, Is there any help I can get to write this debt off or even reduce payments, I need my car finance because I need te car for work so if I went to citizens advice could they help me reduce my outgoings because £200 a month to live on is so hard, would I b able to still keep my car and pay £289 if I had a UVA or something??? Any help would be great, I'm just so stressed and at wits ends here it's so depressing.

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Hi, please be aware that debts do not get ''written off if you want to

make reduced payments you need to sort out which of the debts are

your priorities.

Are any of the creditors pressing at the present.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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This may be of help. Courtesy of CitizenB.

 

Here you go..

 

 

If you are experiencing difficulty in repaying your debts, CASHflow is a way for you to negotiate affordable repayments with your creditors. Before you can use CASHflow, you must have spoken to one of the free advice agencies licensed to offer CASHflow to their clients. The advice agency will start by talking to you about all of the options available, and can help you to decide if CASHflow is the right one for you.

 

If you decide to use CASHflow, you will be provided with all of the tools you need to be able to complete your own financial statement and negotiate offers of repayment with creditors yourself. This will enable you to stay in control of your situation, but still have support from an adviser at any stage if you need it.

 

You can contact a local advice agency to check if they offer CASHflow. You can find a list of free advice agencies that are near to you by searching for a money adviser in England or Wales, Scotland, or Northern Ireland.

 

Alternatively, you can call National Debtline on 0808 808 4000

 

CASHflow: http://www.cashflow.uk.net/

 

National Debtline: http://www.nationaldebtline.co.u k/

 

https://www.mymoneysteps.org/

 

 

The above has recently been brought to my attention and could prove very useful. Especially now the OFT guidance specifically states it's an Unfair practice to ignore a cashflow budget!

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No I haven't missed no payment whatsoever I'm just struggling because I have neary no money to live on once I payed all my bills! I want a want to freeze interest and pay an agreed amount of say £25 to each creator each month if that's possible

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No I haven't missed no payment whatsoever I'm just struggling because I have neary no money to live on once I payed all my bills! I want a want to freeze interest and pay an agreed amount of say £25 to each creator each month if that's possible

 

All you can do is ask and explain your situation, some creditors will agree under protest other will co-operate

whilst others will refuse any offer.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi clark

 

Have you been mis-sold PPI on any of your accounts, e.g. credit card, overdraft. Have you got any penalty charges on these accounts that you can claim back with interest.

 

http://www.financial-ombudsman.org.uk/publications/factsheets/payment-protection-insurance.pdf

 

If so you can claim these payments back over 6 years plus with interest.

 

Have a read through 1,2,3 and 7 in my signature.

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Follow the instructions in post 3. And yes, if any of the debts you owe are to the bank where your salary is paid in - you should apply for a basic bank account at a bank that has no connection to any of your debts.

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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Yes thank you I am with Lloyds Tsb, I am going to open one with nat west tomorrow morning as I have the day off wok so I am going to my local citizens advice to see if they can help me,

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You can certainly try,one cannot predict with any certainty what

may happen.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Would it be worth ringing or writing to my credit cards asking to freeze them and offer to pay £25 a month? And go into my bank and ask for the same with my loan an overdraft?

 

I have not had much success when trying that in the past.

Check out post number 3.

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As your debts are under £15,000 and it looks as though you dont have any assets, you might want to consider a debt relief order. You will find out more about those and other options in the link below.

 

DRO is the 5th link down - you will be discharged from your debts after one year.

 

http://www.nationaldebtline.co.uk/england_wales/page.php?page=35_options_for_dealing_with_your_debts

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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Hello there,

 

There are plenty of debt-repayment options out there to help you with your situation, some of which have already been mentioned by some of the other folks that have replied to you. To get a clear idea of what options might be relevant given your situation you might wish to take a look at our My Money Steps system as it can provide you with tailored advice: http://www.mymoneysteps.org

 

If the car finance is hire-purhcase you will need to stick to the full payment to prevent the car from being repossessed. We've a great fact sheet here:

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=16_hire_purchase_debt

 

You should look to open a brand new bank account, one with an organisation that isn't linked to any of your existing creditors - this will ensure that your money is safeguarded. The old overdraft should be treated as a creditor along with your other credit cards and loans.

 

For further reading we have a self-help guide, you can find it here:

http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#4

 

We hope you find this information useful!

 

National Debtline.

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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I have been to my local cab office on Friday and they are getting someone to look at my case, I'm just worried all the time about what will happen, would it be wise to take my pay at the end of the month and put it into a new account I have opens up with natwest so all my wages do not get taken, if I leave it with my current bank one everything has come out I will have about £200 for the no th to live on which will prob just cover my fuel cost for work :( i feel so depressed at the min and I hate it, all that aside I have been reading about a debt relief order this looks like my best open but not sure if I will qualify for it so will have to wait for the cab to get back in touch!!! Should I inform all my creditors of the situation or just wait and see what happens with my local cab!!! Sorry to go on but im just finishing times hard

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Open a separate a/c with a totally unrelated bank otherwise your present bank will offset from your existing a/c to pay O/D, credit card etc.

 

When you've done that keep up with your car finance but pay the remaining creditors a token payment until things are sorted with CAB.

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Yes thank you I am with Lloyds Tsb, I am going to open one with nat west tomorrow morning as I have the day off wok so I am going to my local citizens advice to see if they can help me,

 

Hi Clarkey

 

Along with what others have put The CAB have a free new online debt remedy resource that includes an Online Debt Management Plan that saves all your details, you dont need an invite, is confidential, has expenditure guidence / trigger figures, it is not locked after the Financial Statement is done, meaning you are basically in control to review and change if necessary without having to go back to an adviser or agency, just log in and away you go, (I understand that this system has been entered for this years (May 2012) Institute of Money Advisers (IMA) awards for the best new initiative.

 

http://mymoney.nedcab.org.uk/moneyadvice/ (also not funded by creditors)

 

CCCS also have a good debt tool

 

https://debtremedy.cccs.co.uk/start.aspx

 

Always get full independent advice on all options, and your choice / decisions at the end of the day

 

Best Wishes

Edited by Wintry
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If you are having problems with your overdraft sometimes the bank will convert it to a managed loan whereby you pay a fixed some each month for whatever period of time is decided until it is cleared, this is usually at a much better rate than the overdraft. No point in avoiding the bank as you have not defaulted any payments yet and it would be better to stay on reasonable terms with them for now (avoiding them makes them think the worst) they may just want to talk to you, but dont agree to pay anything that you are not comfortable with and get that other account up and running.

If I have been of any help, please click on my star and let me know, thank you.

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hi, the CCCS page seems to be having problems as one page I was filling in keeps asking same question over and over again,numeric reply needed,yet I am putting in numbers as asked,is there any other free site like it please

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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National Debtline or any of the other agencies mentioned in the following :)

 

If you are experiencing difficulty in repaying your debts, CASHflow is a way for you to negotiate affordable repayments with your creditors. Before you can use CASHflow, you must have spoken to one of the free advice agencies licensed to offer CASHflow to their clients. The advice agency will start by talking to you about all of the options available, and can help you to decide if CASHflow is the right one for you.

 

If you decide to use CASHflow, you will be provided with all of the tools you need to be able to complete your own financial statement and negotiate offers of repayment with creditors yourself. This will enable you to stay in control of your situation, but still have support from an adviser at any stage if you need it.

 

You can contact a local advice agency to check if they offer CASHflow. You can find a list of free advice agencies that are near to you by searching for a money adviser in England or Wales, Scotland, or Northern Ireland.

Alternatively, you can call National Debtline on 0808 808 4000

CASHflow: http://www.cashflow.uk.net/

National Debtline: http://www.nationaldebtline.co.u k/

https://www.mymoneysteps.org/

Also as highlighted in the CAG newsletter...

There is the new CAB system that might also be worth a look, this system saves all your details, has guidance allowance figures to work with if you wish and you do not need to be invited / signed off etc with this system, just log in and away you go (see below)

 

(Also, there are a number of other self help tools and systems around so might be worth a little exploration if this is what you eventually decide on.)

 

http://mymoney.nedcab.org.uk/moneyadvice/

 

http://mymoney.nedcab.org.uk/moneyadvice/ (example of completed dmp)

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 suggested this from personal experience, as it worked well for us, the bank gave him the managed loan and he paid a fixed amount each month over a set period of time. This was a great help as we kept our ordinary bank account but instead of our wages going stright out to cover the unauthorised overdraft leaving us with very little we only paid proportion of it out this way and kept the rest to live on.

We are still with the same bank and they are happy for us to have credit cards etc with them now as we are now stright took about 2 years to pay off the loan but it was worth it and the bank were really helpful. I am not sure if I am allowed to say which bank but it was a main high street one.

If I have been of any help, please click on my star and let me know, thank you.

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