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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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lawrence147

Nolans for hillies - court action letter threat old BH loan - scotland

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oh and stop payments

 

dx


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

 

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Hi Guys

 

Finally getting around to sending this SAR.

 

Quick question - who should it be sent to: Hillesdens or Black Horse?

 

Many thanks

 

Law

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always the OC

 

dx


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

 

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Thanks DX

 

Will get back here when it comes in.

 

Law

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Hi guys

 

Finally got the SAR from Black Horse.

 

What docs do you want to see on here, regarding the charges and discounts offered?

 

Thanks in advance

 

Lawrence

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you need to look at the statements you have.

 

did you get those cra's checked and stop payment?

 

dx


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

 

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Hi guys

 

Really sorry for not getting back to you quickly. Had a manic last few days.

 

dx - I have check my CRA's and have no record of this debt. the OH has checked her Equifax report and nothing on there either. We will be checking her Experian report when we have paid their fees from last time (later this week)!!

Not paying anymore either.

 

I have attached the agreement and statement they sent me in the SAR, with all the personal info I could find removed. If you mods see anything personal, please take them off and amend. Cheers

 

Anything else you need, holla.

 

Thanks

 

Lawrence

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you need to pdf them

 

dx


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

 

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Pdf as required

 

Thanks

 

Lawrence

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is this the return from BH sar?

 

if so:

 

heres the reason for the discount...


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

 

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This is what I have received from BH.

 

What's my next move?

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go thru all the statement you have from everyone

and total up you payments please

 

dx


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

 

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Will do tomorrow.

 

Thanks for your help dx

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Was that a "one off" collection charge at £265.00 ?


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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi All

 

All payments made from start of loan - £1789.53

 

Law

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Citizen - Yes that seems to be a one off charge.

 

Law

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Hi Guys

 

Can anyone help me on what I should be doing to ensure I only pay what I owe and not the charges and penalties made on the account?

 

Thanks in advance

 

Lawrence

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well £1789.53+£728.39 [penalties] = £2,527.82.

 

cant see where they get a discount of £2,183.60 from.

 

I've not spotted why there is such a large discount.

 

let look at it another way..

 

on 16th December 2011 they offered you pay £727.87

 

looking at the spreadsheet those charge had already been levied

 

so as the spread is £738.29, that to me equates that you paid more than that since that date

so if you reclaimed the debt would be dead.

 

pers i'd await the next fleecing letter

 

lets see what happens.

 

dx


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

 

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I see what you are saying dx.

 

Do you want the next letter on here when I receive it?

 

Also, would it be worth running it past an IFA friend of mine who deals with debt to try and kill it off?

 

Law

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by all means ask him

 

i'm not the fond of all angles.

 

I might have missed something

 

but sure as eggs is eggs

 

and knowing BH they would have had you in court years ago if they ever thought they had a case.

 

very few

just like welcome finance loans are correct

 

dx


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

 

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You may not be the font of all the angles, but you know more than I and I'm grateful for that.

 

Thanks for all your help on this one so far.

 

Will keep you, Citizen8 (and anyone else reading the thread) updated over the next few weeks/months.

 

I need to talk to my friend over our general financial situ anyway.

 

Thanks again

 

Law

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Yes, as soon as you receive the next letter, pdf it and pop it on the thread for us to have a look at :)


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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks Citizen - will do

 

Law

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