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    • Should I go to see the CAB or something? I just don't think I have the strength or brain capacity to deal with all of this. The mess I have gotten myself into is bad enough and now this on top. My head hurts. What should I do?  It's all very horrible, I feel genuinely scared and stressed because of all this. I don't understand what is going on   I have raised a dispute with Santander to see if they have done something. I have just explained my situation, what is happening and that it all seems to have started when I told Santander I was struggling, had approached StepChange and transferred my direct debits etc to Starling. It was all going well with Starling, I actually really liked it, but now everything has just gone to !!!!!! and I feel sick to my stomach  
    • Hi All,   I was going to post an update after a month had passed since I sent my SN but didn't get around to it, after about two weeks I received a letter from Highview letting me know the opportunity to appeal had been missed, Shame, lol! .... Anyway, on Sat 13th (the 13th! Aaarggghh! 🤣) I received a Claim Form from DCB(L) .... seems they wish to pursue the matter through the courts! These people really are tiresome ....   Details to follow ....   (EDIT: just noticed this is the 13th post as well! .... not that I'm superstitious, lol! 😂)
    • I have just checked Experian too and there is nothing on there about CCJs or any other suspicious or adverse info that would impact me like this, other than my present situation of course.   Bankruptcy, CCJ or IVA This includes court judgments (CCJs), debt relief orders, bankruptcies, individual voluntary arrangements (IVAs) and other public records recorded against you. You have no public records. GAIN (Gone Away Information Network) Lenders use GAIN to tell each other about customers with unpaid debts. If in the past you’ve left unpaid debts when living at a previous address, you may appear on GAIN and so lenders may be less likely to give you credit. You have no GAIN records.
    • I think I might have had a CCJ but it was way longer than 7 years ago and I have been able to apply and get loans, credit cards etc. I have been pretty fine with my finances until now, until this mess I managed to get myself into this year   There is nothing showing on the TransUnion credit report about an old CCJ. Is there another place I can look to see if there was one and if so how long ago?  I have signed up to TransUnion and on there it says (in Search History):   ORGANISATION PURPOSE DATE Transunion Consumer Id Check (Ml)   Identity Check for Credit 15 Apr 2024   Nationwide Building Society (Sr,Tac,Ct,Cval,R) Nationwide Building Society Bav (Cval Ml) Anti-Money Laundering 11 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Ar) AF 10 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Cr Bsb) Quotation Search 10 April 2024 I think AF means a financial association with someone or something, but I have just read that that could be something as simple as sharing an address with someone (which I do).    Public Information Details of any Bankruptcies, Insolvencies or Court Judgments that are in your name in relation to settlements of money. Bankruptcies and Insolvencies You do not have any Bankruptcies or Insolvencies on your credit report. Judgments You do not have any Judgments on your credit report. There are no Cifas markers registered against you. You do not have any Notices of Correction on your credit report. Does any of this make sense? I don't mean the information I have provided above, I mean why I am being rejected by every bank I have applied for, except Monzo (so far) Every loan I have ever taken out has been paid and settled on time, I have never missed payments on things. The only things I have outstanding at the moment are the ones I listed at the start of this thread when I completed the budget planner. 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.
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      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
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hi, im a little new to this forum so not 100% how things work so please bear with me. ive recently recieved a letter from chandler ltd and after some research online ive discovered that its about a council tax debt. Here is where my problem starts, im currently homeless or or no fixed abode, living between friends, parents and grandmothers. the letter in question has been sent to my friends house and am now extremely worried that the bailiffs are going to come to their house and repossess things that arent mine. i have recently become employed and have started paying the council for over paid housing benifit at £50 every two weeks and am happy to pay them for the council tax (at 26 i think its about time i got my affairs in order) i was wondering if anyone had any ideas on if the council would take the debt back or any help what so ever...look forward to hearing from you all, many thanks

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The bailiffs can not levy/take goods that do not belong to the debtor

 

in simple terms

there is no right of entry for the bailiffs no locksmith no nothing

 

All the bailiff have is a liability order not a warrant or whatever they wish to call it

 

You will be breaking no law by refusing to have anything to do with the bailiffs

 

Any money can be paid direct to the council

 

 

if the bailiffs are unable to enforce the debt they do eventually give up on it and hand it back to the council

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Contact the council, and ask

How many liability orders they have for you

What address/es they refer to

What tax years

When obtained

When passed to bailiffs.

 

Indicate you are NFA, therefore homeless, are you working or on benefits? Benefits coupled with homelessness, most likely render you vulnerable underfthe National standards, so in that case Cjhandlers should not be involved.

 

Have you told the bailiffs you are homeless? Inform them that the address they have for you was an accommodation, ie postal only address and you were sofa surfing there, so any goods there are not and never have been your property, so they cannot seize anything there.

 

Above all try not to worry, Caggers will help you sort things.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I am working at the moment luckily. Thankyou for your advice so far, its sounding like I need to call the council and explain my situation?

You could state to the counciol that you are homeless, and are willing to pay something, make an offer you can afford to keep up, and tell them that as you are NFA it is pointless leaving the account with a bailiff as there is nothing to levy, or of enough value to levy, Alo you are aware that the council remains in control of the account at all times, so will be liable if Chandlers seize third party property, you wopuld like to avoid inconvenience all round, so are willing to pay a regular amount directly.

We could do with some help from you.

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

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I am working at the moment luckily. Thankyou for your advice so far, its sounding like I need to call the council and explain my situation?

 

Being of NFA & working I would be wary as the Council may want to put this on a more formal footing and could go for an Attachment of Earnings.

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Being of NFA & working I would be wary as the Council may want to put this on a more formal footing and could go for an Attachment of Earnings.

A timely note of caution PT yes Op must tread carefully.

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 OTHERS

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

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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