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    • Hi,   I searched online for an insurance company using compare the market. Sheila's wheels came out with the best quote so I telephoned them to arrange the purchase. After I had paid out the initial amount of £70 and agreed a direct debit I then cancelled my soon to expire Insurance policy. I immediately received an email from that insurance company informing me I no longer had my no claims bonus due to an accident last June. I telephoned Shelia's Wheels to explain that I had made an error, instead of 3 (which I had put on my original agreement), I had now been informed I had none. They put the policy up by another £300, so I asked to cancel. They now want to charge me 29 pound something for cancelling. I made the mistake with the no claims bonus because compare the market keeps a record of my information & this was what was in that information about me, including the date of my accident.    Do they  have a right to charge me? My insurance would have taken effect on the 15th November 2019.   Thank you.
    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
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[ATTACH=CONFIG]39690[/ATTACH]

 

Hoping that you guys can help us here - I have a very good friend who iscurrently on Incapacity Benefit (although this is about to be changed to IncomeRelated Support Component of ESA - whatever that is). She a lovely lady,currently suffering with cancer, so she's in and out of hospital.

 

It also means that she's absolutely on her uppers.

 

She has been only just able to keep up with the rent and the bills,unfortunately her council tax hasn't been paid.

 

She received a letter, from the council, saying that they were taking her tocourt for non payment of council tax. Judgement obviously went against her (itwas about this time that she was in hospital for another operation).

 

The next thing that she heard was a letter from Rundles saying that the debthad been passed to them - and stating that she had to pay or they would comeand take goods to pay the debt.

 

The day that she got the letter from Rundles, she phoned the council - theysaid that as it had already been passed to Rundles that they couldn't get itback and that they wouldn't discuss the issue - any discussion would need to bewith Rundles.

 

She then contacted Rundles and agreed to pay £50 every two weeks (more thanshe could actually afford, really).

 

The problem is that she went back into hospital around that time, and somissed the first payment - I dropped by her flat to pick up her post and takeit to her - and it was only then that we discovered the letter (see attached).

 

I phoned the bailiff on her behalf, explained that she was in hospital atthe moment and so couldn't make the payment, but that she would be able tostart as soon as she got out. The bailiff was somewhat unhelpful, basicallysaying that unless the whole amount was paid within 48 hours, he would be roundto clear the flat.

 

She's just got back out of hospital now, and is meant to be getting completerest - you can imagine what this is doing to her!

 

Any advice would be appreciated!

Edited by Viking_Raider
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Hi

 

To post up the document please use this method by dx100uk

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

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

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

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

 

Have they been into her premises? I would guess not from what you say.

 

Has she a car outside at all?

 

Unless they have previously had entry into the premises then they cannot force entry.

 

She sounds like she is in the vulnerable category to me in which case the council must take this back.

 

The experts in this field will be along as soon as they can but in the meantime please post that document up following the instructions above.


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She a lovely lady,currently suffering with cancer, so she's in and out of hospital.

 

clearly vulnerable household bailiff action must stop

 

get on to council formal complaint to council contact local MP


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any advice given is based on experience and learnt from this site :-)

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The bailiffs will not be able to clear the flat and will not be able to force entry at this point the 48 hour notice is a standard letter to intimidate into paying


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Hi

 

To post up the document please use this method by dx100uk

 

 

 

Have they been into her premises? I would guess not from what you say.

 

Has she a car outside at all?

 

Unless they have previously had entry into the premises then they cannot force entry.

 

She sounds like she is in the vulnerable category to me in which case the council must take this back.

 

The experts in this field will be along as soon as they can but in the meantime please post that document up following the instructions above.

 

Done!

 

Yes - he has been to the flat (no one was in, she was still in hospital)

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Sorry

 

Had to unapprove the attachment as there is at least one reference number showing.

 

EDIT: Also please remove the bailiff name, phone number and signature.

Edited by ims21

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Sorry

 

Had to unapprove the attachment as there is at least one reference number showing.

 

EDIT: Also please remove the bailiff name, phone number and signature.

 

Done

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I assume you have her permission to help.

 

First thing tomorrow morning you need to get on to the Council and ask to speak to someone in authority

- Head of Revenues would be a good start

- your friend may need to speak to them to permit you to do this.

 

You should tell them of her present medical history and ask if the Council has signed up to abide by the National Standards for Enforcement Agents

- your friend is clearly classed as vulnerable.

 

The second call you should make is to her local Councillor(s) - to intervene if the Council are stroppy or to inform of the situation,

any refusal or reluctance and go straight to the Leader of the Council & his opposite number. For now don't contact the Bailiffs.

 

You should also remind the Council of the latest advice/report from the LGO http://www.lgo.org.uk/news/2012/nov/lgo-highlights-problems-bailiff-action-behalf-councils


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Also send a complaint to MP and get them involved, along with a complaint to OFT on Bumbles & Co's Credit Fitness.

 

They should adhere to the national Standards as the lady is clearly unequivocally vulnerable.

 

Did you record any calls or converstaions with the bailiff when they said they were going to clear the flat anyway, would be good evidence for a Formal complaint.


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Thank you all for your responses. I have spoken to a very nice chap at the council this morning who agreed that my friend is definitely "vulnerable" and put an immediate stop on any action. Interestingly, whilst looking at her notes, he found that the bailiff had rung in yesterday, unprompted, to flag the fact that this case should go back to the council as she is vulnerable! (so they’re not all bad – he’s definitely “playing by the rules” in this case).

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Thank you all for your responses. I have spoken to a very nice chap at the council this morning who agreed that my friend is definitely "vulnerable" and put an immediate stop on any action. Interestingly, whilst looking at her notes, he found that the bailiff had rung in yesterday, unprompted, to flag the fact that this case should go back to the council as she is vulnerable! (so they’re not all bad – he’s definitely “playing by the rules” in this case).

 

He's only playing by the rules because he has been caught out, I would doubt he has done it off his own bat. Could well be of course he has been reading this thread - or am I being too cynical!


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He's only playing by the rules because he has been caught out, I would doubt he has done it off his own bat. Could well be of course he has been reading this thread - or am I being too cynical!

 

Hope the bugger has, and backs away completely, he has already overstepped the mark, so the complaint should go in anyway imho


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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Glad to see the council has seen sense :)

 

I hope your friend gets better soon.

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