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    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
    • Did your FiL leave a Will and if so who is the Executor? Strictly speaking banks could refuse to take instructions until Probate is granted but In practice I would expect the bank to take instructions to cancel the DD if the Executor presents the death certificate and a certified copy of the Will
    • Hi   Sorry I probably wasn't clear enough. He had lived in the flat until December 2022 with Dementia by this time it was unsafe for him to have capacity to live on his own and he had to move into a nursing home. We had left it too late to apply for power of attorney so approached a solicitor in March last year for Deputyship. We were still in the process of dealing with it by May 2024. He passed away a few weeks ago and the solicitor was contacted to halt the application and we will just pay the fees of what work he has done up until now. My wife was the named person on her dads bank account but we didn't have the ability to alter any direct debits hence the reasons for applying for Deputyship as we were having problems trying to stop some payments coming out of his account Eon being another difficult company. We kept his flat on from December 2022 - August 2023. it was at this point I contacted Sancutary housing to inform them he was no longer living in the flat, it had been cleared out and was ready for a new tenant and that he had Dementia and had moved into a nursing home December 2022 and explained the reasons why we kept it on. As the named person to speak on his behalf I asked them what proof they needed in order to give notice on the flat e.g proof of dementia and proof that he was living in a nursing home and anything else they wanted. The lady in the upstairs flat and some of the other residence in the street had asked about him and we had told them he had moved into a nursing home. The lady in the upstairs flat wanted his flat for medical reasons so asked us once we had given notice could be let her know and she'll ask them if she can have it. We explained the difficulties and it was left at that but I did tell her I would let her know once notice was given. I contacted the company by email a number of times and also telephone conversations and nobody followed it up and it wasn't till the end of February this year that the housing manager for the area wrote to our home address to ask about him that he had been to the flat a couple of times and nobody answered and he had asked some of the residence in the street and they hadn't seen him for sometime. There was an email address on the letter so I contacted him and copied in the last 2 emails I sent Sanctuary regarding me wanting to give notice on the flat for at least 9 months explaining that it went ignored as well as telephone calls. I also stated I wanted to have his rent payments returned from the date I wanted to give notice which was from August 2023 as the bank wouldn't let us stop the DD without POT or deputyship explaining we were in the process of Deputyship. He gave some excuse about not having POT to cancel on his behalf and spoke to someone in HR and said he would contact the nursing home to confirm he was there with Dementia and if it all checks out we can give notice on the flat which came to an end on the 22 March 2024. There was not mention of back payments for the rent already paid or the fact I had asked to give notice in August 2023. Despite someone living in the flat from 1st April they continue to take DD payments for the flat and have taken another 2 payments of £501. another concerning thing despite Eon not allowing us to cancel the DD to his account the lady upstairs informed Eon that she was moving into the flat February 2024 and Eon refunding the account to his bank and said in an email sorry you are leaving us and canceled his account. Something they wouldn't let us do but a stranger. She also changed her bank account to his address despite the fact notice hadn't been given on the flat yet. So we need to find out how much information Sanctuary actually had for her to tell her power company she was moving into the flat in February despite the housing manager only just getting in contact to find out where he was. So a complaint is going into Eon and Sanctuary and we are going to take advice and ask the bank to charge back the rent. My wife hasn't taken the death certificate to the bank yet to inform them of his passing.  
    • Yes, I believe the Starbucks was closed at the time the car was parked there 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi guys, its been a while since i last posted but i really need some help.

Myself and my husband are both on disability, he has alot of mental health probs and i am house bound due to physical disability.

 

My husband has 3 children, from different relationships, who come to ours during the week and weekend. We both have debts accumulated before we were in a relationship, my debts are for credit cards totalling about 4000 split between 2 lenders, My husband has only one non priority debt which is paying for his car which was repossed in 2009. My husband has a 6000+ child maintance back payment bill and i have a student loan totalling 2300 which isnt due for repayment yet.

 

 

we are really struggling to meet our payments. I have negotiated with all companies involved. the csa and student loan have been ok and my husband is on nil award from the csa (this is for his eldest whom he has no contact with) but my credit and his finance company are always changing the goals, they freeze intrest then start it up again, I also got my overdraft paid within its agreed allowance but they then dropped the limit so now the bank wants that. I have a car (motability) but this is the only way i can leave the house, other than a wheelchair.

 

 

I currently pay my creditiors 29.00 and 20.00 a month my husbands finance company is paid 50 as they wouldnt accept less. Other than household costs we actively contribute towards the children, when ever asked, but rising costs, of everything are making life very hard. I budget for everything and by the chepest but anything that goes over the budget, ie kids birthday, vet bills, has a knock on effect.

 

 

I am considering applying for a DRO as my creditors are hard and at present i am on chemotherapy and not well enough to keep arguing the toss, they ring all hours of the day and night and im so fed up. I have heard that i could offer a £1 a week, but when i have tried to drop my payments they wont allow it, I havent been able to pay for the last 2 months, so am being threatened with court action and people coming round to talk to me.

 

So the big question is do i apply for an DRO and do i tell them that this is my intention or do i negotiate less payments, and will they have any legal rights to turn down my offer? Any help is really appreciated as i am struggling to deal with this alone.

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A DRO is more of a last resort for most people as it has a knock on effect for getting any type of credit for the nect few years but if you do go for one then don't mention it to any of your creditors (they have no rite to no your taking one out) just try and emagine there faces when they get the paperwork through to say leave this person alone. If they wont play ball and try to help then a DRO does work a treat.

 

I would try one of the free advice places first that can deal with your creditors on your behalf like debt line (think thats what there called). They will be able to work things out for you and tell you your best option.

 

Others will be along soon who no alot more than i do about what you can do before a DRO so hang in there for a while till theres a few more answers to choose from..

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Mainly i would like to renegotiate, but not to sure where i stand from my perspective. If i could pay less amounts that would help, as it stands nothing will get paid off for about the next 40 years anyway, so i dont want to cripple myself financially, when ive now got my prority debts under control. I also dont like that they never respond till my 4 or 5th letter and that they ring all hours of the night gone 8 sometimes. I now deal in writing but having had to speak on the phone to them in the past they have been intimidating, im quite resilliant but i can see how others may feel desperate.

What i would like to know is can i renegotiate?

do i have to fill in a income and expenditure form?

if they decline any lower payments, what do i do then?

If i get no response from them, do i assume they are going to court?

Can they send someone to my house to discuss the matter in person, and do i have to speak to them?

Cheers in advance

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You do have lots of choices :)

 

DRO is just one of them. If your debts are less than £15,000 and you have no assets eg a house, then to go this route you will be debt free within a year. The DRO info is the 5th option down the list and you would need to telephone National Debtline :)

 

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

 

Alternatively you can contact one of the agencies below who will help you complete a proper budget form and provide template letters in order to negotiate realistic payments (and hopefully freezing interest) with your creditors.

 

 

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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The ones who wont play ball are barclays, experto credite and advantage, . barclays are instructing mercers on there behalf according to the letter and they are sending someone to talk personally.

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The ones who wont play ball are barclays, experto credite and advantage, . barclays are instructing mercers on there behalf according to the letter and they are sending someone to talk personally.

 

 

Barclays are instructing NO ONE.. Barclays Bank t/as BarclayCard t/as Mercers t/as Calders..

 

No one will come to your home - but should they be so foolish as to do so, then just ask them to leave..

 

There is a DO NOT VISIT me letter in the CAG library, which you can print off and keep by your front door, just hand it to them and tell them to go away..

 

Can you scan that letter in please :) remove any personal information first and follow the instructions below.

 

 

Dx100 – Instructions on uploading pdfs

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

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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Hi I cant scan but i will copy the letter word for word. This is from MBNA not barclays (sorry my brain) MBNA passed the account to Experto credite and this is what was sent to me by them.

 

Credit Management Consultants

PO box 8132

Reading

RG30 9GH

 

0845 308 2299

 

11/4/12

 

Dear XXXXX

 

Your account has been escalated to Credit management consultants and we are writing to you to recover the balance outstanding on the above account.

 

As you have failed to respond to previous offers of assistance, we now demand immediate payment of the balance in full. If you do not send payment in full within 7 days of the date of this letter, we will assume you have no intention of dealing with this matter

 

You will leave us with no option but to consider passing your account to a licensed field agent, who will attempt to call at your property to discuss the matter further with you.

 

Alternatively we may pass your account to our solicitors who will consider an appropriate course of action to take to recover the outstanding balance from you.

 

To avoid this action, you must contact us within 7 days from the date of this letter on telephone number 08453082299 If we donot hear from you, we will continue action till contact is made.

yours faithfully

 

scribble

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Hello ibis.

 

You'll often find that it's the non-priority creditors that seem to badger you the most for payment. Demanding payment via letters and telephone calls is really the main thing that they can do at this stage, They can get quite persistent! If you haven't already done so please consider completing a financial statement - as this will allow you to work out exactly what you need to cover your essential outgoings and then show you what you might have left for your credit debts. We have an online system, My Money Steps, which can help you work out a budget and also make suggestions as to the best route forwards. You can find the system here: http://www.mymoneysteps.org

 

Debt Relief Orders are a very popular option, we have a team of intemediaries that can help you set one up. You can also seek assistane via places such as the CAB and other debt advice charities. Here's our fact sheet:

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=37_debt_relief_orders

 

As far as Credit Management Consultants are concerned, they have no further powers to do anything than MBNA had originally.

 

Best wishes,

 

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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Hi thanx for your help guys, I have been trying to get an appointment with my local cab but neither offices are answering and i have been ringing all week. The last guy i saw at the cab i think was having an off day as he wasnt able to help much. I have already made out financial statements. In the begining i sent them as requested to the banks and credit agencys. But due to the kids getting older and the rising costs of petrol, food etc money is tight, I have seen on here also that the debt collectors have no right to know my financial situation. We are only on disability benefits anyway.

Would it be worth writing to each with an offer i can afford?

thanx xxx

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Whilst it might not be face to face, why dont you telephone the National Debtline.. I am sure they will be very helpful :)

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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  • 2 weeks later...

Hi guys quick update, sent details to national debt line and am awaiting call/email. Thanx for your help everyone xxx

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Hi guys quick update, sent details to national debt line and am awaiting call/email. Thanx for your help everyone xxx

 

Excellent - that is the first step taken - Please let us know how things progress :)

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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Hi got email back from NDL, very informative and helpfull. Am going to re-negotiate with my creditors, and see how that goes. 1 very quick question, do i have to send them details of my finances? (budget sheet or income and expenditure ) not that I got nothing to hide, but i dont really like giving them this as my income is joint with hubbys, they have asked before and i said no, but just checking im not under any legal obligation?

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Hi got email back from NDL, very informative and helpfull. Am going to re-negotiate with my creditors, and see how that goes. 1 very quick question, do i have to send them details of my finances? (budget sheet or income and expenditure ) not that I got nothing to hide, but i dont really like giving them this as my income is joint with hubbys, they have asked before and i said no, but just checking im not under any legal obligation?

 

 

It isnt necessary that you provide them with the I&E.. however, it is more than likely they will refuse to deal without it.

 

You can take steps to protect your information though.. amend the I&E to remove any actual details of any other creditor.. eg.. instead of putting B/card - Halifax - 1st credit.. Identify the amounts by Creditor 1 - Credit Card

Creditor 2 - Loan

Creditor 3 - catalogue.

 

If the debts are in one name only - you DO NOT have to provide them with any details of the other person's income.

 

The repayment plan should be based on the debtors income only.

 

They will however, expect to see a contribution to the household expenditure from the other person.. If that makes sense !

 

Example.. If it were just me who owed money and I had lots of debts. I would put all the priority debts for the Household, priority debts etc..

 

However, in the income section.. I would be putting all my Income + an amount from Hubby, because it is assumed that a dual income household will be sharing the expenditure/mortgage etc.

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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