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    • Creditors Name / Brand Acct Ref POD Balance Received (£) Claim Admitted (Y/N) Cabot Financial IVA 33749505 642.90 Y Cabot Financial IVA 35707961 8,162.07 Y Direct Legal Collections Q5180215 0.00 N Direct Legal Collections Q5185144 0.00 N Ee 157920642 0.00 N HMRC VAS JN434119D 0.00 N Lantern UK IVA M6152941 284.68 N Lloyds Bank IVA 6288 2,692.00 N Lloyds Bank IVA 30963530231568 5,596.00 N Lowell Financial 300092756 1,014.00 Y Lowell Financial 294767660 228.00 Y Lowell Financial 274783943 1,538.00 N Lowell Financial 241096338 1,343.68 Y Lowell Financial 280654617 22,446.00 Y Lowell Financial 264807132 1,189.00 Y Lowell Group 263221038 246.00 Y Perch Capital E0QZ6R22 0.00 N Zopa IVA E04E25C3B7434C8361 0.00 N Total Unsecured Creditors 58,978.33 Total SOA Claim 58,692.00 Fees and Costs £ £ Fee Type Proposed Approved Nominee Fee 1,900.00 1,900.00 Supervisor Fee 1,750.00 1,260.00 Disbursements 0.00 31.00 Adjournment Fee 0.00 0.00 Dividends Approved Dividends at first MOC (p in £) 8.87 Revised Estimated Dividend  (p in £) 8.83 Total Dividends Paid to Date (£) 276.29 Dividends Paid to Date  (p in £) 0.78 Case Details Income and Expenditure Reviewed N Arrears (Y/N) N Value of Arrears (£) 0.00 Current Balance at Bank 185.72 No. of Months Arrears 0 Original Duration of IVA 60 Payment Break Agreed (Y/N) N Current Duration of IVA 60 Breach Notice Issued (Y/N) N Subject: Request for Settlement Proposal Due to Changed Circumstances   I am writing to discuss the current status of my Individual Voluntary Arrangement (IVA), now in its 36th month. Following a recent income and expenditure review with a debt charity this morning, it has become clear that my financial situation has deteriorated significantly, making the continuation of the agreed monthly repayment of £140 unfeasible.   The primary reason for my financial hardship remains the ongoing health challenges faced by my two Sons, which have necessitated frequent hospital visits and medical care since 2017.    As a result, my employment opportunities are limited, and I am self-employed with Uber Eats to accommodate their medical appointments, hospital stays, and monthly infusions.   It is crucial to highlight that pursuing Debt Relief Orders (DRO) or bankruptcy would not yield any additional funds for creditors, as I reside in rented accommodation and possess no other assets or savings.   Furthermore, I do not foresee a change or improvement in my circumstances in the foreseeable future due to the long-term nature of my children's health conditions, and the health issues I am now suffering for to the stress of this IVA.    I have faithfully maintained my IVA payments for 36 months without missing a single installment. Regrettably, my situation has become increasingly untenable, leading to depression, anxiety, and suicidal thoughts related to the financial strain of the IVA.    To avoid defaulting on payments, I have resorted to borrowing money from friends and family, resulting in a further deterioration of my health and consequently even more debt which is definitely not the solution I expected from you.   Based on my recent income and expenditure assessment, I am currently experiencing a monthly deficit of approximately £650 due to the escalating cost of living. Therefore, I respectfully request that you propose an early settlement to my creditors, based on the payments made to date, taking into consideration the exceptional circumstances surrounding my children's health and my own mental well-being. My wife too is unwell and unable to work leaving me to look after them all with zero support from the government or council.    If it is not deemed appropriate to request an early settlement, I will have no alternative but to cancel the IVA and manage my creditors directly.   Additionally, I must convey my dissatisfaction with the service provided by Creditfix, to whom I have been referred from Hanover. The level of service at Creditfix has not met acceptable standards, and I feel confused and unsupported throughout this process. Despite my worsening situation, Creditfix has shown little interest in understanding my circumstances and instead has pressured me to increase payments. Your last email requesting modification and an increase in payments clearly demonstrated to me that you have no interest or concern for my family or my welfare and are our solely to get what you as much as you can, giving zero regard to my situation.    Lastly, I want to clarify that I have exhausted all avenues of financial support, and I do not have any friends or family who can lend me further funds to cover the outstanding amount on the IVA.   I appreciate your understanding and assistance in this matter. Please advise on the next steps and provide any necessary documentation to facilitate the negotiation of a settlement with my creditors.   I have attached a copy of my latest income and expenditure form that I completed this morning that shows how struggling I am right now and can't afford to pay this any longer.    Thank you for your attention to this urgent matter. I eagerly await your response.   Yours sincerely,
    • No because telling a story in your statement chronologically it would be out of run sequence. 
    • I have just sent my IVA company the following letter in going to wait to see it credit fox accept my request to put to my creditors or request to accept payments so far as my full settlement but I suspect credit fix will try they're best to avoid that happening - I'm confident the credited will agree but getting credit fix to agree is another story.    I have today sent them the following letter and if they don't accept I'll stop the agreement and ignore and on that instance plese help me clear all my issues guys as I'm sure I'll need lots of help to get the likes of lowell and Cabot of my back.    I do know that most thus debt was taken out around 2009 and 10 and some in 2015 meaning the original debt are all. Over 6 years for sure and I hope you guys can guide me how to deal with them now  firstly below is a list of all the creditors with amounts and some are duplicate and then followed by the letter I just sent to iva company 
    • I see CEL accepted all the stuff about you being a genuine customer and offered to settle the matter for £20. What was your logic for refusing their offer of settlement? I'm not saying you were wrong, we have plenty of cases where motorists have quite rightly told the PPCs where to stuff their £20 offers.  Just interested in your reasons for making the decisions you have been making about your case.  
    • Because its not connected to this claim.....Ideally if you had received the claim you would have requested information pursuant to CPR 31.14 and a CCA request for the agreement. DSAR only reveals your personal data held which would be minimal with the this claimant. You can leave it in if you desire but it adds no weight to your statement.   .
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We knew it was only a matter of time before the Matrix was made redundant...a sad victim of a lost case.

We understand that RLP have now discovered something with equally as much mystery as their speculative invoices.

 

It looks like whilst in Oxford,JL took some time out to visit the university bookshops and came up with an idea for inclusion in letter number 5.

 

 

Magna_Carta_thumbnail.jpg

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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This is how future demands might look.

 

Nos sunt destituta ad note quod non reddere £ 137,50 et perdidit title ad discount.If non suscipere solutio in VII diebus nos ad nostri clientes et hoc involvunt curia actio cum costs.No ulterius monitis erit misit

Edited by MARTIN3030

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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A nice summary - short but sweet - The Magna Carta

 

The Magna Carta 'established' nothing new at all, but instead provided a summary and convenient name for the social and criminal legal developments of the previous century. The original document of 1215 had only one genuinely new principle: it allowed a council of 25 nobles, all of whom were appointed by the rebellious nobles who had defeated John in civil war, to seize his wealth, property and even person without any form of justification at any time they chose. Rather than limiting the power of the king, the clause effectively was designed to turn England into an oligarchy run by a select group of nobles. This charter was repealed almost immediately after being signed, and, needless to say, this 'new principle' was not included in the later versions that became part of English law.

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The Magna Carta 'established' nothing new at all

 

Rather like RLPs failed defence in Oxford then

provided a summary and convenient name for the social and criminal legal developments of the previous century.

 

Hmn -did "unlawful actions" appear in the convenient names list ?

 

to seizelink3.gif his wealth, property and even person without any form of justification at any time they chose.

 

Well maybe not property yet....they have been content to snatch £137.50 up to now.

 

Rather than limiting the power of the king, the clause effectively was designed to turn England into an oligarchy run by a select group of nobles.

 

Well Nottingham, does have some famous history ...except Robin Hood GAVE to the poor.

 

needless to say, this 'new principle' was not included in the later versions that became part of English law.

 

So in summary then Magna was as much use as a Matrix ?

 

 

 

 

 

 

 

 

 

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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Suppose it depends how you view it and whether it is relevant today.

RLP obviously think so...and appear to have incorporated it into THEIR charter.

My Latin is not good either...it was not on the cirriculum at school....but having said that RLP were not around in those days.

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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La Lambert's reference to Magna Carta merely demonstrates that she doesn't know her legal rectum from her articulatio cubiti, given that Magna Carta's primary purpose was to ensure that only the law could administer punishment to citizens. In other words, precisely the opposite of what these latter-day Sheriffs of Nottingham seek to do.

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Also there are four copies of the Magna Carta, in the following locations, Lincoln Cathedral, Salisbury Cathedral and two at the British Library, having incorporated the 'Magna Carta', I'm sure 'individuals' will want to inspect the document c/o RLP.

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I have been reading Magna to see if there is any reference to a very famous old case from long ago.

It is the case of Adam and Eve in which Eve's unlawful actions caused severe disruption.Sadly I couldnt find any mention of it,nor does it appear to be mentioned on RLPs list of cases on their website.

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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The latest drivel on RLP's website, in which they overtly criticise the way their client's counsel presented the case (and hilariously suggest that the security staff were inexperienced and confused), is yet another demonstration of how increasingly desperate they are, not only to prop up RLP's failing reputation, but also the almost pathological need to have the last word.

 

It does give an interesting insight into the personality of the person who's writing it - how transparent and predictable she is.

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The title does conjure up a rather unusual image of two guys in too tight black trousers and frilly flouncy satin shirts, cha cha cha-ing up to some unsuspecting shopper outside TK Max, and saying "OK mate, you're nicked!"

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But then an arguement develops....as one says "We have not got time for your holding room -we are on work soon,how long is this likely to take ?"

 

To which the reply comes "Well it could be half an hour but for evidential purposes lets call it 90 minutes....with another 30 waiting for the Police"

 

"Wow how come so long ?"

After a pause the reply comes

 

"Look just come inside now for 90 minutes and we promise you will be free in 40"

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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No its the inventive flair of their marketing department,which never ceases to amaze.The irony is that it seems that they actually believe themselves that everything they put on their website is factual and believable....which has to be a bit of a worry.

But hey...who am I to question ACPOs judgments,or BTP, or the Courts of the land.....?

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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No its the inventive flair of their marketing department,which never ceases to amaze.The irony is that it seems that they actually believe themselves that everything they put on their website is factual and believable....which has to be a bit of a worry.

But hey...who am I to question ACPOs judgments,or BTP, or the Courts of the land.....?

 

Oh Noes, not the Courts of the Land! :!:

 

Maybe we should try out a new thing of getting people to reply to RLP in Latin!

 

Salutem, RLP

 

Cum vestram extorsoribus postulant petentem exigentiam pecunia, mihi sed responsum. Ire et multiplicabo te horridas paulo barbaris

[sIGPIC][/sIGPIC]

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:lol:. I tried to look on babelfish for English to Latin translation and couldn't find it. Is there an equivalent website?

 

HB

 

I used Google Translate :razz:

 

It is mangling the translation a little its not very good with Grammar in most languages, though it seems to do Swedish very well.

 

The general gist is

 

 

"Having received your extortionate demand claiming a requirement for me to give you money, I have but one reply.

Go forth and multiply you horrid little barbarians"

 

*Barbarian being a pretty major insult to call anyone in Roman times :D

 

Having done some more playing, "vade et multiplicabo" seems a better way of saying "Go forth and Multiply" so I will deff be keeping that one to use in letters. it's amazing how a bit of Latin adds a certain... formality to a letter!

[sIGPIC][/sIGPIC]

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I had an email from an old DCA recently.

 

I replied very politely.

 

In Welsh.

 

Got a nasty one back either demanding, or "requiring" me to communicate with them in English.

 

Welsh Civil cases held in the Principality can be conducted in Welsh by legal requirement, as all official business is required to do. I wonder if it could be argued, and perhaps a judgement won, that a Debt Collector dealing with Welsh citizens must provide a full bilingual service? :D Most Banks conduct bilingual business now.

[sIGPIC][/sIGPIC]

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I had an email from an old DCA recently.

 

I replied very politely.

 

In Welsh.

 

Got a nasty one back either demanding, or "requiring" me to communicate with them in English.

 

Welsh Civil cases held in the Principality can be conducted in Welsh by legal requirement, as all official business is required to do. I wonder if it could be argued, and perhaps a judgement won, that a Debt Collector dealing with Welsh citizens must provide a full bilingual service? :D Most Banks conduct bilingual business now.

 

Excellent :)

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I had an email from an old DCA recently.

 

I replied very politely.

 

In Welsh.

 

Got a nasty one back either demanding, or "requiring" me to communicate with them in English.

 

Welsh Civil cases held in the Principality can be conducted in Welsh by legal requirement, as all official business is required to do. I wonder if it could be argued, and perhaps a judgement won, that a Debt Collector dealing with Welsh citizens must provide a full bilingual service? :D Most Banks conduct bilingual business now.

 

 

It's the same in NI; legal business can be conducted in Irish gaelic.

 

Meanwhile, back to Latin:

 

Salutem, RLP

 

Nos relatum vos ut refero donatus in Arkell versus Pressdram (anno Domini 1971).

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I had an email from an old DCA recently.

 

I replied very politely.

 

In Welsh.

 

Got a nasty one back either demanding, or "requiring" me to communicate with them in English.

 

Welsh Civil cases held in the Principality can be conducted in Welsh by legal requirement, as all official business is required to do. I wonder if it could be argued, and perhaps a judgement won, that a Debt Collector dealing with Welsh citizens must provide a full bilingual service? :D Most Banks conduct bilingual business now.

 

You are a class act, sir or madam. :) Thank you for google translate, I shall have a look. Babelfish isn't perfect either, but I have a soft spot for it because I'm a fan of the Hitchiker's Guide series.

 

If you don't mind my saying, you could have a Latin signature to your CAG posts if you wanted, like myself. :lol:

 

My best, HB

Illegitimi non carborundum

 

 

 

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It's the same in NI; legal business can be conducted in Irish gaelic.

 

Meanwhile, back to Latin:

 

Salutem, RLP

 

Nos relatum vos ut refero donatus in Arkell versus Pressdram (anno Domini 1971).

 

That sounds just like EJ Thribb. :) Come to think of it, so does Pressdram. HB

Illegitimi non carborundum

 

 

 

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You are a class act, sir or madam. :) Thank you for google translate, I shall have a look. Babelfish isn't perfect either, but I have a soft spot for it because I'm a fan of the Hitchiker's Guide series.

 

If you don't mind my saying, you could have a Latin signature to your CAG posts if you wanted, like myself. :lol:

 

My best, HB

 

Like this you mean? :D

 

Edit: Just noticed, for some reason signatures are not showing on CAG for me?

 

I cannot see mine, except in my profile, and there is no sig showing on your posts, Honeybee?

Edited by caledfwlch

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