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    • I subscribe to a company called Audible - they are owned by Amazon and they provide audio books. I work as an HGV driver and so I find listening to a book is great for swallowing up the long distances being travelled on the road.   Quite recently, I bought a book and it is proving to be an eye opener in relation to the subject of weight loss. One of its main topics is to discover why so many of us are 'obese'. In the book the author (who seems to be a respected Doctor and researcher) goes on to say that the human body itself is responsible for gaining weight and it is not because of people with low willpower. It also shines a light on what food companies have been doing over the last 40 or so years which has contributed to the existing obsity problem.   I put it out here because I think it would be a great read or listen for those, who like me want to lose weight and keep it off.   It may be better to obtain the printed copy of the book because there seems to be graphs and pictures which I am not able to view because its an audio book.   The book is called: The Obesity Code Unlocking the Secrets of Weightloss by Dr Jason Fung.   I have not finished the book yet so I have not got to the conclusions bit but I notice by doing an Amazon search that there is also an Obsity Code Cookbook so that will be my next purchase.   I will say that what I have heard from the book so far, it seems very balanced and it looks like common sense mixed in with practical advice which will undoubtedly help a lot of people.   I will let you all make up your own minds about it though.   Regards   Alan
    • I wonder if anyone can help me. I had a loan with a high street bank from about 10 years ago and I had to stop paying because I lost my job. I reduced my payment to a token payment for a few years but I then ceased this some years ago because I took some advice from an online forum which said that I should ask a ‘Subject Access Report’. I did this and I also asked for a copy of the contract with both signatures which highlighted that myself and the bank had a contract and what its terms were. As the loan was made up of an overdraft and a formal loan I thought they would have paperwork. However, eventually the bank responded by saying that they had no contract and they admitted that as such it was not enforceable in court. Over the last year, the bank have again appointed Moorcroft Debt Recovery Limited to use their strongarm tactics. I have not been responding to the last couple of letters asking me to contact them to arrange a payment plan and now their letters are becoming more threatening. Here is the text of their latest letter……. Quote   We are aware that you have failed to agree an affordable repayment plan with us concerning the above account.   As no agreement has been reached we are now in the process of reviewing your account to consider the steps which may be taken in relation to further debt recovery action. The options include recommending one of the following:   ·         1. Continue in our attempts to contact you by letter and phone. ·         2. Instruct a local representative to arrange to call at your home address to try to re-establish contact with you.   To prevent possible further action you must contact us. Failure to contact us by the 22/10/19 will result in one of the aforementioned debt recovery actions being undertaken without further notice.  Unquote As you can see, they are now getting more threatening. I really do not want people knocking at my door – does anyone have any ideas as to what I can do to sort this situation? I do not want to pay for something that seems unenforceable but I do not want knocks at my door either. Any help would be appreciated.   Kind regards    
    • Yes it was a tomlin/consent order I have a recent statement its not showing any additional charges on it. The statement does not show the balance to pay each month, as the contract was terminated in March 17 and the termination bill was added to the account so my payments reduce the account balance £14262.38  Capital £6995.00 Interest £7213.38 Plus 3 x £18 charges  I presume if it went to court again I would be notified?    I thought court costs and charges could increase a balance owing but not be included in arrears or court proceedings when listing the amount owing, or am I wrong?    
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UK debt, Lloyds TSB in Czech Republic

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Hello

 

I have a question regarding a possible debt collection enforcement in EU country. I've lived in the UK for 7 years (Czech citizen..) did my studies, worked, all went quite well. Then one day, I've decided to take out an unsecured personal loan from Lloyds ( done online in few minutes ..). Bit of a bummer, shortly after, I was told that our department will be outsourced and all members will be made redundant. So, I didn't touch the money and started looking for a job ( wasn't waiting for the redundancy, left before it actually happened..). I've found job in CZ and also because of other reasons, I've left the UK.

 

The loan was sort of paying itself off as I tried not to touch the money unless necessary, managed as well to pay some off from my salary in CZ. Now however it became impossible for me to meet payments as paying £ loan with Czech Koruna based salary is just not really viable.

 

The outstanding amount is something over £5000. I'm not sure what to do here, I can't pay it ... I guess my question is. What is the usual procedure in similar cases would Lloyds chase me ? can they chase me through some third party debt collector? or, can I ask them to freeze payments for some time (6 months) ??

 

Any advice will be much appreciated. Thank you...

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There is no hard and fast rule but if you explain your circumstances to Lloyds they may accept reduced payments and freeze interest for a period of time, eventually they will sell or pass the debt to a third party who will then continue to pursue.

 

How long have you been back in CZ?


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Hi thank you for reply .. I'm back since October 2011. I've called them already and was offered 1 month payment holiday they weren't helpful .. more on a dismissive side ...

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That's their normal attitude.

 

As you are no longer a UK resident if they wanted to take any action they would have to do so in CZ now but using UK law. The chances are they will cut their losses and sell the debt to a debt collection company & it is unlikely that they would pusue via a CZ court given the time, energy & costs involved particularly if you have no assets and they are uncertain of getting payment even if they won the action.

 

Because you have been out of the UK less than 2 years it may be possible for you to apply for a DRO http://webarchive.nationalarchives.gov.uk/+/http://www.insolvency.gov.uk/bankruptcy/DRO/debtors.htm


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Thank you ... Just to clarify, did you mean that the debt collection company, not Lloyds, would have to go through CZ court after buying my debt ? What I mean is, they would have to go the legal way rather than "kicking the door down.." ( sorry I might be asking stupid questions but I've never been in such situation..). Also can they involve family members ??

thanks for the link checking for DRO ...

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No-one can take any enforcement action unless they have first obtained a court judgment.

 

Under the Data Protection Act they cannot divulge to your family members anything about the debt nor can they demand payment from them.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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