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I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
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GE Money Loan paid but have outstanding arrears account.


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Can you tell us if the letter re PPI was the result of an enquiry about reclaiming PPI? Has this been taken further?

 

I think they’re wrong in stating that you need to contact the insurer, because either GE or their broker sold it to you.

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Can you tell us if the letter re PPI was the result of an enquiry about reclaiming PPI? Has this been taken further?

 

I think they’re wrong in stating that you need to contact the insurer, because either GE or their broker sold it to you.

 

The letter regarding PPI was actually to try and claim on it as my father was out of work. Surprise surprise it had run out so he couldn't claim. It never went any further.

 

The solicitor costs might have been the beginning of court proceedings but maybe it didn't get that far? He can't remember :-/ sorry.

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the sols fees cannot be charged unless they get a successful judgement.

 

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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Good Morning all,

 

Has anyone had any thoughts about our options when it comes to paying our current arrangement, or more to the point, not paying our current arrangement?

 

I imagine not a lot can happen now until we get the SARs through, and then we can start calculating what we feel we are owed?

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Good Morning all,

 

Has anyone had any thoughts about our options when it comes to paying our current arrangement, or more to the point, not paying our current arrangement?

 

I imagine not a lot can happen now until we get the SARs through, and then we can start calculating what we feel we are owed?

 

Anybody?

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correct

 

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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I think the point i made earlier has been missed here (apart from DB) hence my suggestion to check the Land Registry

 

This is a Mortgage secured.

They dont need a CCJ.

The CO was placed at the time of the application (Standard)

The Sols fees are not reclaimable that is the process of a secured loan.

 

Nothing can be done Sheila until you are furnished with the DSAR.I assume the debt has now been paid and only arrears are outstanding.

Its your choice to stop payment as from now or wait until you can quantify the unfair charges and then make a claim.

 

Regards

 

Andy

We could do with some help from you.

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Yup, totally agree. There’s no legal action in place. You need the details from the SAR now to work out what is going on with this suspicious ‘extra’ account with a balance they reckon you owe.

 

Also worth researching a bit on PPI reclaims in the meantime. As I mentioned earlier, there could be more than £5k up for reclaiming here.

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I think the point i made earlier has been missed here (apart from DB) hence my suggestion to check the Land Registry

 

This is a Mortgage secured.

They dont need a CCJ.

The CO was placed at the time of the application (Standard)

The Sols fees are not reclaimable that is the process of a secured loan. Even though the solicitor fees were in Feb 2005 & May 2005, not when the loan was taken out? (Sorry I don't understand why they are lawful because it's a secured loan).

 

Nothing can be done Sheila until you are furnished with the DSAR.I assume the debt has now been paid and only arrears are outstanding.Yes this is correct

Its your choice to stop payment as from now or wait until you can quantify the unfair charges and then make a claim.Do you think we would be penalised for not paying, or not paying as much (or at least end up in a worse situation? I am going to send a letter today to explain that we are cancelling the direct debit and that we will manage the payments.

 

Regards

 

Andy

 

DonkeyB - yes we will go down the route of both unlawful charges and missold PPI :)

 

Thanks all for your help. I had come to the conclusion that I was going to have to get a loan to pay this balance off for my father, but with a bit of luck it won't come to that :).

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I was going to go down the hardship route and found this template,

I started to modify it but now wonder if it's necessary. Whilst he is in hardship is it worth it now, the interest has built up and up anyway?

 

I was also going to make a point that he was in hardship and that any further payments would be a token payment but suddenly felt I was getting in above my head..

Anyone got any thoughts?

 

Request for Consideration as a Case in Financial Difficulty (Hardship).

 

Dear Sir/Madam

 

I refer to the Lending Code guidelines to which you subscribe, issued in March 2011.

 

Due to being made redundant, I have been experiencing serious Financial Difficulty since 21st January 2013.

 

I request that you stop adding interest and default charges to the above account. The interest and charges serve only to add to the Financial Difficulties I am currently experiencing. In this connection, I draw your attention to paragraphs 224 - 227 in Section 9 of the Lending Code.

 

This letter serves as notice that the current Direct Debit is to be cancelled with immediate effect and continued payment will be without prejudice and by another method.

Please provide me with another payment method, a paying in book would be preferred.

 

Please give this matter your urgent consideration.

 

Yours faithfully,

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" Even though the solicitor fees were in Feb 2005 & May 2005, not when the loan was taken out? (Sorry I don't understand why they are lawful because it's a secured loan)."

 

I wasn't aware that they were later in the process..so yes if there is no reason or incident for their involvement at this date then query the charges.

 

" Do you think we would be penalised for not paying, or not paying as much (or at least end up in a worse situation? I am going to send a letter today to explain that we are cancelling the direct debit and that we will manage the payments."

 

Difficult to advise there is no way I can predict what action they may seek...they all ready have their charge....depends on how and when they can execute.I agree that the DD must be stopped and you control payment manually.

 

Regards

Andy

We could do with some help from you.

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

 

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Thanks andy

Difficult to advise there is no way I can predict what action they may seek...they all ready have their charge....depends on how and when they can execute.

 

OK I shall continue to pay the loan at the current arrangement (£200 a month). The current arrangement runs out at the end February, it was set up on the phone and they only agreed for 3 months.

They might start action then? We'll wait and see.

 

When you say execute, does that mean they take him to court to claim repossession their outstanding balance through the sale of the property?

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There is no CCJ connected to the Charging order...the CO acts only as security (the Property) against the loan...perhaps execute was the wrong word..options open could be Bailiff/ Bankruptcy ....forced sale would be the very last resort IMHO.

 

 

Regards

 

Andy

We could do with some help from you.

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Hypothetical scenarios Sheila ...they may not do anything thats why you need to wait for the DSAR and raise a dispute and challenge them.

We could do with some help from you.

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

 

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Ok sorry to be hypothetical - I imagine conjuring up the worst case scenario is why most people just pay up.

 

We will carry on paying at the current rate and wait for the DSAR to come back. Thanks Andy,

S.

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[ATTACH=CONFIG]41388[/ATTACH]

 

 

The DSAR has come back from GE Money. Much sooner than I imagined!

It's like a phonebook but I've had a flick through and mangaged to find a mention of court.

 

I've scanned the letters in and uploaded.

I'm waiting for GE Money to get back with a settlement figure for the outstanding balance. I am likely to go down the route of obtaining a loan to pay the outstanding balance, so at least we can get the deeds back and the charge removed.

Then we will make our claim for PPI and unlawful charges.

 

Thanks,

S.

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Sounds like a good plan Sheila.

 

Regards

 

Andy

We could do with some help from you.

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 - The National Consumer Service

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so they went for a suspended pos order and got it at £175 PCM for 15 months

 

still dont explain why he is STILL paying £200PCM to this day!!

 

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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Post unapproved, advice as above.

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

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