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    • Hey guys,   I was using a utility supplier for 18 months. Every month, paid my direct debit on time. One day, they reviewed my account and said they had miscalculated my energy consumption and I now owe them £900.    I switched energy suppliers straight away as a consequence.    I am now being contacted by UK Search Limited by phone, email and text message. So far, I haven't responded and don't intend to.   I've checked my credit file. The account with the original utility supplier is closed and settled according to Credit Karma.    So what should I do with UK Search Limited? As far as I see it:   Completely ignore them until they go away (my preferred option) Contact them in some way and dispute the debt   I would be very grateful for any advice on how to proceed. I currently have an excellent credit score.    Thank you,  
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    • Lowell Portfolio 1 Ltd   Date of issue 16/08/19.     Particulars of Claim   What is the claim for – the reason they have issued the claim? 1. The claim comprises the following agreements the defendant entered into a. Talk Talk telecom Ltd with reference (Account Number) and current balance 485. b. Vanquis Bank with refrence (Card Number) current balance 596 The agreements were terminated as payments were not maintained and subsequently assigned to claimant. and the claimant claims. a) the total of the said sums being 1080. b) interest pursuant to s69 county courts act 1984 at the interest rate of 8% per annum from the date of assignment to the date of issue. but limited to one year, being 7 C) Costs     What is the total value of the claim? 1317   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card and landline/mobile   When did you enter into the original agreement before or after April 2007 ?  no   Do you recall how you entered into the agreement...On line /In branch/By post ? card on line / landline mobile by phone   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? yes   Did you receive a Default Notice from the original creditor? cant remember   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? yes   Why did you cease payments? on the vanquish card because my wife lost her job and at the same time so did my son so all household bills became my responsibility. the talk talk was canceled by me , due to at least two data breaches ant the mobile was canclled as it was a monthly contract I no longer needed but they carried on charging me for a further 4 months claiming I did not cancel it correctly   What was the date of your last payment? 2016   Was there a dispute with the original creditor that remains unresolved? yes to both   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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vicki_plum

Important! Campaign for a living wage for all, sign this petition!

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Hello All!

A 'living wage' is the term used to describe how much someone needs to earn per hour to afford the basic essentials in life, not luxuries, essentials. The campaign for a living wage is growing in strength with

Labour now throwing its support behind the idea and London mayor Boris Johnson saying it has his wholehearted support.

The recommended living wage was recently set at £8.55 an hour in London and £7.45 an hour for

the rest of the UK. The minimum wage is £6.19. Please sign the petition in favour of raising the national minimum wage to match the living wage needed for people to be able to support themselves. find the petition by clicking here-

http://epetitions.direct.gov.uk/petitions/41273

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Get a second job?


Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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I'll Sign. It's a worthwhile petition and I hope more people do.

Pitcher


Awop-Bop-A-Loo-Mop-Alop-Bam-Boom. ~ Little Richard.

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Why? If people were paid a living wage we would save billions in welfare benefits

 

We have already priced ourselves out of the market with the price of British made goods due to high wages and if those prices have to be increased yet again, even more people will be on benefits as companies move offshore. Daft petition raised by someone who has no idea of economics!

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Ok, all calm down please!

 

My humble opinion: although I'm a long term unemployed, I'm against the living wage and the national minimun wage. It has created a black market for people willing to work cash in hand.

 

I'd rather work for £4 an hour legally than have other people work for £4 cash-in-hand and not pay tax and NI.


"Ask not what your country can do for you, ask what you can do for Poundland"

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Ok, all calm down please!

 

My humble opinion: although I'm a long term unemployed, I'm against the living wage and the national minimun wage. It has created a black market for people willing to work cash in hand.

 

I'd rather work for £4 an hour legally than have other people work for £4 cash-in-hand and not pay tax and NI.

 

That is very sensible long term thinking. We all like to have a good standard of living, but that comes at a price!

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We have already priced ourselves out of the market with the price of British made goods due to high wages and if those prices have to be increased yet again, even more people will be on benefits as companies move offshore. Daft petition raised by someone who has no idea of economics!

Hi,

I humbly suggest, playing junior economist is a dangerous thing, just look at what George Osborn has done. A man with a poor degree in history/Art and with no real life work experience has become Chancellor of the exchequer. Priceless!

A living wage means exactly what it says. Paying someone just enough to live on, no more no less.

How are people supposed to live if their employer pays them less than what is needed to survive?

Are you advocating begging, robbery or maybe even prostitution to make up the short fall? please explain.

Regards

pitcher

Edited by pitcher

Awop-Bop-A-Loo-Mop-Alop-Bam-Boom. ~ Little Richard.

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Hi,

I humbly suggest, playing junior economist is a dangerous thing, just look at what George Osborn has done. A man with a poor degree in history/Art and with no real life work experience has become Chancellor of the exchequer. Priceless!

A living wage means exactly what it says. Paying someone just enough to live on, no more no less.

How are people supposed to live if their employer pays them less than what is needed to survive?

Are you advocating begging, robbery or maybe even prostitution to make up the short fall? please explain.

Regards

pitcher

Obviously you have no understanding of economics. No one is knocking a living wage. It is us that have pushed up the price of goods as we wanted more and more. Result is we end up earning below a living wage. If we increase wages we end up in the same vicious circle and eventually every one will be earning £100 per hour, but at the same time a living wage should be £110 per hour. Get it?

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That's a good petition in my opinion. I'll sign

 

Everybody should be able to afford at least a basic living of their wages.

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I've very happily signed. Basic good economics to me are, if you are on a living wage then you can come off certain government financial support. This means more money in the Gov. coffers to spend on e.g. keeping local services open such as libraries. This means people are kept in employment and kept off benefits which means more money is pumped back into the economy. Yes, employers would have to pay more, but presumably this simply means they would pay less tax as their outgoings would be more. Oversimplified perhaps, but you get the drift of it..

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