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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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Virgin/MBNA/Arrow global/Blake Lapthorn court claim/cc charges/ **Resolved by way of Tomlin Order **


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MBNA

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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reclaims always go to the OC

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Well I have just read my own thread again, as in Andy's post No 28 there is no need for me to send Prelim letter now as I have sent my defence, I obviously forgot that bit :oops:

 

That's only if you are using it as a defence and trying to mitigate the balance Buster.You have three options use as mitigation to reduce the balance...issue a Part20 Counter Claim or issue a separate claim.(the latter requiring a LBA)

 

Regards

 

Andy

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Sorry but I am really confused now as the best thing to do.

 

I have added it into my defence, although I didn't add the exact amount I will be claiming.

 

It has been said earlier on in my thread that the amount I am claiming is not worth a counter claim, the amount hasn't changed, so does this advice still stand ?

 

So I will send a LBA letter to MBNA on Wed, unless anyone says otherwise.

 

Thanks B

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You don't have to state the amount only the fact that there is within the defence.You can expand later in the process.My advice still stands if the amount is relatively low... hardly worth starting a separate action.

 

Andy

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Thanks for your reply Andy,

 

Sorry to ask again but do I still send a LBA to MBNA now or wait to see what the reply will be to my defence, ie: wait 28 days, which is 16 Jan.

 

This is not something I want to do New Years Day, but my New Years resolution is to get our finances in order.

 

Thanks B

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I personally would just hold in abeyance and try to use as leverage to attain either a reduced debt or in mediation.

 

Andy

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  • 3 weeks later...

I have now received a response from Arrow Global, with a notice of change of solicitor, they are now using their in house litigation team, and they have requested documentation from MBNA and they will be in touch as soon as they have received it. They have also said that should I wish to discuss the matter further to contact them in a bid to resolve this matter amicably thus saving further legal action and costs. I am thinking of sending a letter offering a payment plan, minus the charges I am reclaiming, I don't want to add to the court costs. Advice please

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yet thats the usual MO for AG

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

yet thats the usual MO for AG

 

dx

 

They have also said that should I wish to discuss the matter further to contact them in a bid to resolve this matter amicably thus saving further legal action and costs. I am thinking of sending a letter offering a payment plan, minus the charges I am reclaiming, as I don't want to add to the court costs, is this a good idea ?

 

Any advice please gratefully received

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Respond to their letter and make an offer...state that you too would be inclined to avoid further legal costs/CCJ...but you are not willing to accept their charges and are prepared to offer £ xxxxxxxx in F&FS either one off or by monthly payment.Suggest to them that a Consent Order or Tomlin Order may be the way forward were both parties stand their own costs.

 

Regards

 

Andy

We could do with some help from you.

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Hi,

 

I am trying to put together a letter to send to Arrow, could someone please advise what the charges are for a consent/ tomlin order. I cant seem to find any info on this.

 

Thanks for your reply Andy

 

B

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Hi,

 

Help please, I have received an Allocation Questionnaire today, should I still send the letter Monday as planned saying that I want to resolve this amicably as Andy suggests, and wait for their response, before I send my allocation questionnaire. Confused

 

 

Thanks for any replies

 

B

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The allocation questionairre actually asks if time is required to mediate - so you would say yes to that.

 

When do you need to have the AQ back to the court ? You might still have time to send your letter AND complete and return the AQ.

 

I will alert andyorch for you..

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Request a 2 month stay within the AQ to try to resolve and in the meantime pen your proposals without prejudice.You must submit your AQ on time.

 

Regards

 

Andy

We could do with some help from you.

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Could someone plse advise if this letter is ok

 

 

Without prejudice

 

In reply to your letter dated ****

I wish to take this opportunity to resolve this issue amicably to avoid further costs and CCJ, but I am not willing to accept your charges, I am prepared to offer £*** in Full and Final settlement paid in monthly instalments of *** per month.

If accepted I require all credit reference agency files are marked ''SETTLED'' given that this is a full and final settlement I do not consider partial settlement is a suitable entry.

Any remaining balance will not be sold or assigned to ANY 3rd party.

The amount offered is confirmed as agreed between us.

 

May I suggest that a Consent Order or Tomlin Order may be the way forward for both parties

 

Not sure if I have to add details about about Full and Final at this stage

 

 

Thanks again Andy for all your help

 

B

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Yes you must emphasise all the way its a FF&S...otherwise there is little point in the negotiation

We could do with some help from you.

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Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Post up your AQ buster before you submit it.

We could do with some help from you.

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