Jump to content


  • Tweets

  • Posts

    • if you wish to put up everything like    your defence claimants WS defendants WS   then im sure those here now and future victims will find it of value   if you read upload carefully you'll see its best to upload each as a separate multipage PDF but ofcourse you'll have to redact each page as a jpg picture 1st before merging each to the relevant multipage pdf .   dx  
    • Thanks I’m happy to put something back ! I didn’t have the courage of my convictions to counter claim even though I was really quite proud of the thoroughness of my court bundle ! i really wanted the opportunity to get into the detail with the judge and felt quite cheated when it ended, but of course I realised that they had just moved on to their next victim  will watch this space 👍  
    • I have created your own topic for this as its import to have it own one but placed a link on the thread you posted on.   you should never counterclaim that exposes you to further cost and rarely succeeds esp if they disc' the claim always best to state in a sep letter you will be seeking costs esp loss of days wages at £90 which most judges allow.   as for an sar, its p'haps always better to issue a cpr 31:14 too or in replacement of, an sar.   well done on your important win
    • My wife has directed me to post on this thread as I have just successfully won against these charlatans   My hearing date was all set at my local court for 31st October 2019 all defence papers were filed and served and frankly I was really looking forward to it! This morning I received a letter from BW legal stating in a one line response that I was to take this letter as a notice of discontinuance whereby the claimant KBT (armtrac) discontinues all of the claim. I am beyond disappointed that I didn’t get my chance to see these idiots across a desk! And that’s it I don’t appear to be able to take this further? I now realise I should of had the courage of my convictions and faith in the advice of others to issue a counterclaim! What I have now in my possession is a file of information which would be Gold-dust to the next person in my position! I feel like I would be able to get some sort of closure if I could pass some of this wisdom on but there are many posters here already and every case is different in its own way The key points in my defence were as follows and useful to anyone ‘caught’ at Sandy Acres. Keep the original parking ticket you purchased and send a copy to KBT with a covering letter ASAP do not identify the driver at any stage of the process!!!!  The blue sign uses the word penalty which is contrary to the IPC codes of practice  The red and white sign has a café open sign in front of it  which obscures it from the drivers view both available to download via Google maps Check the date you receive NTK mine was 71 days Do an SAR and you will get back the pictures of the alleged offence in my case they were of such poor quality you could not tell which way up the ticket was in the photo and in no image they held was there a picture showing the ticket and the vehicle numberplate. They offered no other evidence. Pretty soon you will see the money is being sought escalate until they no longer match the figure on the NTK even if it is sent within 56 days When you see a breakdown of costs for the money being sought it will ultimately include legal costs, typically £60 that the solicitor knows cannot be recovered in Small Claims Court. Personally I am now considering reporting BW legal to the law society or solicitors ombudsman for being party to a process which is fundamentally dishonest, an abuse of process, and a complete waste of court resources?   i am happy to help anyone who needs assistance but rest assured that their case against you relies on you caving in and paying, they have no plan B but will try and make you doubt your ability to defend yourself.   Dont worry about small claims Court, it isn’t crown court, just an office with 3 desks and certainly less stressful than a job interview or meeting with the bank and less at stake.   I got to one week from my court date and they gave up!
  • Our picks

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2538 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have used these forums over the years and always found CAG to be a brilliant support.

 

Debt can really get you down..

. it can cause one to hide their head in the sand..

. it can cause families to fall apart. All of these apply to me,

but I am happy to say that I always feel I can step up to the challenge when I come on here. CAG is a life saver!!

 

I am finally dealing with my debt.

 

I'm making the first step, which is to stop paying out money to non-priority creditors and request they accept a token payment.

 

I've lived with debt for many years and have gone through many stages of coping and not coping with it.

 

In the old days I claimed my bank charges back and managed to get on top of things for a while.

 

But alas...

life is tough..

. especially right now.

 

I work full time as a teacher and am a mother of 4.

 

My husband was made redundant a few years ago and since then we've been slowly falling back into the debt pit.

 

We just don't have enough income to keep ourselves going properly.

 

I try to make all my payments on time..

. and live on what's left,

but there is never enough money left for the general necessities in life.

 

It's getting to the point where I have no fuel in my car on a Monday and I have to use the kids dinner money to get petrol,

then write a cheque for the dinner money instead...

then the cheques bounces...

yada yadda...

and lots more other stupid money juggling antics that are just getting us into a HUGE mess.

 

My husband has not been able to get another job as yet,

and although he is still looking...

he has returned into education in the hope of improving his chances.

 

So although he is trying to do something about it, i

t causes more stress and worry.

 

More travel expenses, parking expenses..

. Some days are just so depressing where we are counting 2ps to try and get enough for milk... SO BAD!!

 

BUT..

. coming on here tonight has made me feel better.

 

I was kick started into action after a dream I had in the early hours of Monday morning.

 

I dreamed I was using my on-line baking, trying to make payments.

.. but all the passwords were wrong and nothing would work..

. in my dream I was struggling on the lap top with a massive pile of bills to pay..

. trying over and over to pay them.

 

There was money in the bank to pay them and the feeling of being able to pay them was great.

.. but I just couldn't make anything work.

.. it was all so confusing..

. then I woke up!! And thought..

. This is silly

... these debts are even eating me alive in my sleep!!!

 

I HAVE GOT to do something..

. So I am...

And this is the start of my thread.

 

Fingers crossed I make a positive change.


Moodle

Share this post


Link to post
Share on other sites
I have used these forums over the years and always found CAG to be a brilliant support. Debt can really get you down... it can cause one to hide their head in the sand... I try to make all my payments on time... and live on what's left, but there is never enough money left for the general necessities in life..

 

Hi, this so resonates with me.

I too have hid my head in the sand,

continuously telling myself I can do it,

I will manage - somehow.

 

I've made payments on time without fail at the expense of other things,

essential things like food;

but these last few weeks have been so bad,

borrowing money from my son to put petrol in the car.

.. I really needed to wake up to it.

 

I don't live an extravagent lifestyle at all,

 

the problem is simple, like you, t

here's simply not enough money to pay everything and it's been like this for the last few years.

 

I'm glad you have decided to sort it out,

it will all work out just fine in the end, I'm sure.

 

We just have to get through it.

 

It's so good to know that there is support out there from CAG and other places.

 

I think I will be using CCCS, now called something else.

We shall see.

I have a telephone appointment booked for next week.

I do know I don't want to do this on my own though.

 

I shall keep dropping by to see how you're getting on. All the best.

Share this post


Link to post
Share on other sites
I have used these forums over the years and always found CAG to be a brilliant support.

 

Debt can really get you down..

. it can cause one to hide their head in the sand..

. it can cause families to fall apart. All of these apply to me,

but I am happy to say that I always feel I can step up to the challenge when I come on here. CAG is a life saver!!

 

I am finally dealing with my debt.

 

I'm making the first step, which is to stop paying out money to non-priority creditors and request they accept a token payment.

 

I've lived with debt for many years and have gone through many stages of coping and not coping with it.

 

In the old days I claimed my bank charges back and managed to get on top of things for a while.

 

But alas...

life is tough..

. especially right now.

 

I work full time as a teacher and am a mother of 4.

 

My husband was made redundant a few years ago and since then we've been slowly falling back into the debt pit.

 

We just don't have enough income to keep ourselves going properly.

 

I try to make all my payments on time..

. and live on what's left,

but there is never enough money left for the general necessities in life.

 

It's getting to the point where I have no fuel in my car on a Monday and I have to use the kids dinner money to get petrol,

then write a cheque for the dinner money instead...

then the cheques bounces...

yada yadda...

and lots more other stupid money juggling antics that are just getting us into a HUGE mess.

 

My husband has not been able to get another job as yet,

and although he is still looking...

he has returned into education in the hope of improving his chances.

 

So although he is trying to do something about it, i

t causes more stress and worry.

 

More travel expenses, parking expenses..

. Some days are just so depressing where we are counting 2ps to try and get enough for milk... SO BAD!!

 

BUT..

. coming on here tonight has made me feel better.

 

I was kick started into action after a dream I had in the early hours of Monday morning.

 

I dreamed I was using my on-line baking, trying to make payments.

.. but all the passwords were wrong and nothing would work..

. in my dream I was struggling on the lap top with a massive pile of bills to pay..

. trying over and over to pay them.

 

There was money in the bank to pay them and the feeling of being able to pay them was great.

.. but I just couldn't make anything work.

.. it was all so confusing..

. then I woke up!! And thought..

. This is silly

... these debts are even eating me alive in my sleep!!!

 

I HAVE GOT to do something..

. So I am...

And this is the start of my thread.

 

Fingers crossed I make a positive change.

 

first port of call is get your cra file.

 

any debts that dont show need to be investigated as to WHY you are paying anything

 

next is list your debts here please

and whom you are paying.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
Hi, this so resonates with me.

I too have hid my head in the sand,

continuously telling myself I can do it,

I will manage - somehow.

 

I've made payments on time without fail at the expense of other things,

essential things like food;

but these last few weeks have been so bad,

borrowing money from my son to put petrol in the car.

.. I really needed to wake up to it.

 

I don't live an extravagent lifestyle at all,

 

the problem is simple, like you, t

here's simply not enough money to pay everything and it's been like this for the last few years.

 

I'm glad you have decided to sort it out,

it will all work out just fine in the end, I'm sure.

 

We just have to get through it.

 

It's so good to know that there is support out there from CAG and other places.

 

I think I will be using CCCS, now called something else.

We shall see.

I have a telephone appointment booked for next week.

I do know I don't want to do this on my own though.

 

I shall keep dropping by to see how you're getting on. All the best.

 

same as above

 

but please start your own thread

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
Hi, this so resonates with me.

I too have hid my head in the sand,

continuously telling myself I can do it,

I will manage - somehow.

.

 

Hi. Thanks for posting. Yes.

.. we'll get it sorted I'm sure..

. but it is all quite scary.

 

I sorted the first stage today and that was to send the letters out to credit card companies explaining my circumstances and asking to accept a token payment.

 

These we're

Barclaycard,

Debenhams card (Santander) and

Vanquis.

 

Ironically Vanquis was a credit card I obtained to try and improve my credit score when I though I was going to have to sell my house and get another smaller mortgage.

 

It turned out my house has no equity in it at the moment, so I am staying put..

. which I am glad about because my credit rating is so bad I doubt I would get another mortgage.

 

I have kept the Vanquis card up to date and all in order so do feel a bit bad about ceasing the higher payments..

. but it is something that has to be done in order to be able to eat!!

 

I have to face the fact that my credit rating will get to an all time low once these creditors get the news I am no longer paying them in full.

 

I have some other old debt with

Restons,

EOS solutions and

First credit direct, where I just pay £10 per month.

 

They were companies that bought on old debt from other creditors years ago.

It's been that long that I can't even rememebr what the original debt was for,

who it was with or how much I owe.

 

I've been paying £10 per month to all of those for a very long time.

 

I guess I should contact them too and ask them to send me a statement of what I owe.


Moodle

Share this post


Link to post
Share on other sites
first port of call is get your cra file.

 

any debts that dont show need to be investigated as to WHY you are paying anything

 

next is list your debts here please

and whom you are paying.

 

dx

 

I obtained a CRA file a few months ago and took some time to go through it all. I cancelled the subscription though as once I had used it for a few weeks, didn't see the point of paying monthly to view it, as I know it will just get worse and worse and more into the RED BAD CREDITOR part of the dial. Is there a need to obtain it again?


Moodle

Share this post


Link to post
Share on other sites

I have just renewed my membership with Experian... ironically using the credit card I am about to default on... hard times or what!!

 

My score was 'fair' at the moment. As i said, I have been trying desperately to pay EVERYthing that needed paying at the cost of other necessities.

 

I am now going to spend some time going through my file, checking everything is as it should be. Is there anything I should look for in particular?


Moodle

Share this post


Link to post
Share on other sites

Have you checked that you are getting everything you are entitled to on http://www.entitledto.com

 

You could be missing out on some vital money - ie working tax credit.

 

The above site will give you a fairly accurate answer.

Share this post


Link to post
Share on other sites

Thank you for the info. Yes... I know I'm already getting everything I am entitled to. I do already get some tax credits.


Moodle

Share this post


Link to post
Share on other sites
Hi. Thanks for posting. Yes.

.. we'll get it sorted I'm sure..

. but it is all quite scary.

 

I sorted the first stage today and that was to send the letters out to credit card companies explaining my circumstances and asking to accept a token payment.

 

These we're

Barclaycard,

Debenhams card (Santander) and

Vanquis.

 

Ironically Vanquis was a credit card I obtained to try and improve my credit score when I though I was going to have to sell my house and get another smaller mortgage.

 

It turned out my house has no equity in it at the moment, so I am staying put..

. which I am glad about because my credit rating is so bad I doubt I would get another mortgage.

 

I have kept the Vanquis card up to date and all in order so do feel a bit bad about ceasing the higher payments..

. but it is something that has to be done in order to be able to eat!!

 

I have to face the fact that my credit rating will get to an all time low once these creditors get the news I am no longer paying them in full.

 

I have some other old debt with

Restons,

EOS solutions and

First credit direct, where I just pay £10 per month.

 

They were companies that bought on old debt from other creditors years ago.

It's been that long that I can't even rememebr what the original debt was for,

who it was with or how much I owe.

 

I've been paying £10 per month to all of those for a very long time.

 

I guess I should contact them too and ask them to send me a statement of what I owe.

 

sniff aniff

 

i smell a cash cow here.......

 

check your cra file

 

get noddle one too its free see below.

 

do ALL the people you are paying too SHOW on your cra file?

 

if some DONT you need to seriously look at WHY you are paying them anything

first port of call is a CCA request to ALL the do not show.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
f

any debts that dont show need to be investigated as to WHY you are paying anything

 

 

The creditor in question may not choose to process information with that particular CRA, or any for that matter. It's not mandatory.

Share this post


Link to post
Share on other sites

which is why i said CCA time.....

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
which is why i said CCA time.....

 

dx

 

:thumb:

Share this post


Link to post
Share on other sites

I've just replied to another of your posts - the CCCS ran my DMP - they were just brilliant, always there when I needed them and handled my creditors a treat!

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...