Jump to content


  • Tweets

  • Posts

    • So @theoldrouge where was farage during the D-day honors/remembrance ? He was quick to trash Sunak - but at least sunak showed his face heh?   Sunak perhaps needs to slip some dosh to led by donkeys to fund some banners in Clacton heh? Suggestions: D-day - Sunak maybe ran, but Farage never even showed Farage I'm the only one who can change my mind - dont you plebs think you can Clacton, who wants to spend time in Clacton? 48/52 is unfinished business - ooops eerrrr no it is  ...  err well unless is what I lose by Reject me 1 times shame on you, Reject me 7 times shame on me   Hers how: A statesman - and not just in waiting
    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online 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? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

How to put an end to debt profile ! sizeable cash warchest available


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4110 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All,

 

There are some debts that I'm trying to deal with, some of these debts have been going on for some time now.However I have a copy of my credit report and a sizeable warchest of around £15k promised.

 

HSBC:

Credit card balance: £3,500,Unenforceable CCA,Defaulted

Loan: Balance = £4,000, defaulted

Bank account = 900, defaulted

 

Lloyds

 

Loan1: Balance = £6,500, Defaulted, taken out in 2004

Loan2: Balance = £7,500, Defaulted, taken out in 2007

Bank account = £2,700, defaulted

Credit card: Balance = £6,300, Defaulted, taken out in 2007

 

Halifax

 

Loan: £6,500 balance, defaulted, pay £1 token sum

 

I have had all the debts passed onto DCA over the years, but now I'm thinking of writing to the actual banks with a F&F, I have done this to the DCA but none has since accepted. Also, there is often confusion on which DCA to deal with as it seems to be getting passed over and over again.

 

Any ideas anyone.

Link to post
Share on other sites

Hi,

 

On the defaulted accounts what was the date of the defaults, regarding the credit cards and loans are there any charges or PPI on these which you could re-claim ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Are you paying towards all of these debts? Do you have charges on the accounts or PPI?

 

Are any near to being Stat barred?

 

Need lots more info until we can give full advise.

I have claimed PPI from lloyds, this was what inspired the cash war chest, in fact got about £6k back.

None will be anywhere close enough to stat barred as we have tried to reach a resolution in the past to no avail and sadly this involves letters or token payments.

Link to post
Share on other sites

Hi,

 

On the defaulted accounts what was the date of the defaults, regarding the credit cards and loans are there any charges or PPI on these which you could re-claim ?

 

PPI claimed with lloyds. The lloyds credit card, how will I know if I had PPI as part of it. I know the loans did as its clear in the agreements.

HSBC credit card def was in 04/2009

HSBC loan: 10/2009

Lloyds account: 03/2010

Lloyds card:09/2010

Lloyds loan:09/2010

Lloyds loan2: 06/2010

 

No payments ongoing for all debts.

Thanks in advance

Link to post
Share on other sites

i'm a bit puzzled as to who OWNS each of your debts?

 

if they are still listed as the OC on the CRA file

certainly DO NOT pay any DCA's anything.

 

your key here is the default date of each too

 

list them.

 

i hope your ppi reund included the fact that you might have refinanced each loan with another, if this is the case?

 

as lloyds are favourite for not calculating rollover.

 

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... 

Link to post
Share on other sites

i'm a bit puzzled as to who OWNS each of your debts?

 

if they are still listed as the OC on the CRA file

certainly DO NOT pay any DCA's anything.

 

your key here is the default date of each too

 

list them.

 

i hope your ppi reund included the fact that you might have refinanced each loan with another, if this is the case?

 

as lloyds are favourite for not calculating rollover.

 

dx

The last post above by me lists all the default date as seen in credit file

Link to post
Share on other sites

i'm a bit puzzled as to who OWNS each of your debts?

 

if they are still listed as the OC on the CRA file

certainly DO NOT pay any DCA's anything.

 

your key here is the default date of each too

 

list them.

 

i hope your ppi reund included the fact that you might have refinanced each loan with another, if this is the case?

 

as lloyds are favourite for not calculating rollover.

 

dx

 

Default date below

Originally Posted by maroondevo52:

 

Default dates in credit file listed below

 

HSBC credit card def was in 04/2009

HSBC loan: 10/2009

Lloyds account: 03/2010

Lloyds card:09/2010

Lloyds loan:09/2010

Lloyds loan2: 06/2010

 

No payments ongoing for all debts.

Thanks in advance

Link to post
Share on other sites

ok so none are near sb then nor falling of through 6 yrs default. 2016 at best there..

 

what is your eventual idea behind this?

 

are you wanting a clear CRAfile?

 

none of your debts look to be owned by any DCA's

so ignore them

 

you could try the OC's

 

but, if it were ME in this situation

 

i'd not go anywhere near them with that money before i'd SAR'd everyone

got every statement i could

worked out if any PENALTY charges & PPI reclaims are available

 

then make my mind up.

 

i'd put the money in a saving account where no bugger could get at it.

 

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... 

Link to post
Share on other sites

ok so none are near sb then nor falling of through 6 yrs default. 2016 at best there..

 

what is your eventual idea behind this?

 

are you wanting a clear CRAfile?

 

none of your debts look to be owned by any DCA's

so ignore them

 

you could try the OC's

 

but, if it were ME in this situation

 

i'd not go anywhere near them with that money before i'd SAR'd everyone

got every statement i could

worked out if any PENALTY charges & PPI reclaims are available

 

then make my mind up.

 

i'd put the money in a saving account where no bugger could get at it.

 

dx

 

My goal is to be free of debts.

What do you mean by OC ?

I have SARd everyone, got the ones with PPI and got paid for it .

Main goal is to be debt free, as ,mentioned got almost 5k from lloyds for PPI, HSBC credit file is unenforceable.

Is it worth writing to the banks directly to settle ? And if so, should that be collective per bank or each debt separate

 

Thanks in advance

Link to post
Share on other sites

HSBC:

Credit card balance: £3,500,Unenforceable CCA,Defaulted 04/2009

Loan: Balance = £4,000, defaulted 10/2009

Bank account = 900, defaulted [when?]

 

Lloyds

Loan1 2006?: Balance = £6,500, Defaulted 09/2010, taken out in 2004

Loan2 2006?: Balance = £7,500, Defaulted 06/2010, taken out in 2007

Bank account = £2,700, defaulted [when?]

credit card account, air miles duo accont was opened in May 2007: Balance = £6,300, Defaulted, taken out in 2007

 

halifax

Loan: £6,500 balance, defaulted [when?], pay £1 token sum

 

 

now you have SOO many old threads on these im gonna go away and read up.

 

one thing i've noticed

your two lloyds loans were a refinance

they both had PPI

so i HOPE the calcs will be correct on the PPI refund

 

did you do a spreadsheet?

 

 

gonna go away and merge all these threads where i can and get reading on each.

 

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... 

Link to post
Share on other sites

it seems like you keep asking the same questions by just starting a new thread each time

 

here is the 156 msgs thread from last year.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?266769-Debt-payment-tactics-!-Creditors-refusing-my-offers

 

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... 

Link to post
Share on other sites

it seems like you keep asking the same questions by just starting a new thread each time

 

here is the 156 msgs thread from last year.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?266769-Debt-payment-tactics-!-Creditors-refusing-my-offers

 

dx

I got the PPI calculation right as I went through CAG all the way, there has been a lot as the case is a bit complicated and all I want to do is get out of e debt tangle, reason why I have been asking loads of questions is because there are loads of debts, different players, different people replying. I think all I need is someone like yourself to ask questions for directions.

 

Thanks in advance

Link to post
Share on other sites

ok lets start from scratch

 

have you exhusted all the reclaiming on all your debts?

 

like, have you

1. CCA'd everyone

2. requested an sar and got all te statements and checked for PENALTY charges & PPI

3. checked all you debts show on your CRAfile

 

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... 

Link to post
Share on other sites

ok lets start from scratch

 

have you exhusted all the reclaiming on all your debts?

 

like, have you

1. CCA'd everyone

2. requested an sar and got all te statements and checked for PENALTY charges & PPI

3. checked all you debts show on your CRAfile

 

dx

 

I have done all of the above, the ones which has a PPI claim .i.e Lloyds I already got my money back years ago, and in fact it forms almost 50% of the warechest available. Only HSBC credit card is enenforceable, trust me I have been on the forum for over 3yrs and I know how the system works. Please let me know if you need any more info.

Link to post
Share on other sites

then thats the only one that needs an F&F then.

 

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... 

Link to post
Share on other sites

well either you want our help or you don't - it's simple really.

 

help us to help you

 

or

 

do what you wanted to do before you came here.

 

 

your call.

 

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... 

Link to post
Share on other sites

my advise and my advise only

it is not endorsed by cag or anyone.

 

"My goal is to be free of debts"

 

whilst the original creditors OWN your debts

getting them to settle for a reduced amount by F&F is unlikely

as you have no PENALTY charges or PPI to bargain with.

 

regardless to if you pay them off [settle] the default of a debt

on your CRA file will still remain until its 6th birthday

 

on that 6th birthday the WHOLE ACCOUNT will vanish..PAID OR NOT.

 

so:

 

do you [iMHO] waste your warchest on this

or

save it / use it for a better life now.

 

my thoughs go with save it.

 

i have seen little evidence in all my years on here

of OC's removing defaults if you offer to settle

 

so:

again IMHO your money would be wasted

as it will not improve your credit rating.

 

now:

 

if a debt get sold on to a dCA

that changes the goal posts

 

many will accept F&F's WITH the priviso that ALL neg data is removed.

 

if or if not you continue to pay your token payments is your choice

however, whilst youare

the oc's p'haps will not sell your debts on.

 

your call

 

HTH

 

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... 

Link to post
Share on other sites

Thanks for response, I get silly letters from DCA offering f&f but not good enough a deal and what's the point of settling 1 out of 6 or so.

Basically I don't care about defaults on credit file etc, just want to be free of being chased. Not that it hurts, just that sometimes you want some peace and quiet, especially when you pass a certain age.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...