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    • Hi HB,  I have been using it - freedom pass for a long time, this is why i am worried, my memory fails me!  there is no way of checking on the freedom pass usage according my partner.  see my question on your comments: Paragraph 1 a short explanation of why you used the card on the day you were caught worry: as i said i have no excuse other than to save some money  Paragraph 2 you know you made a mistake and you regret it worry: yes i will admit that it is my fault and apologise profusely - will see other template Paragraph 3 you understand how what you did is wrong and the effect it has on TfL worry: yes will do, borrowing words from other template Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again worry: i have an oyster PAYG which i use for my journey in to work -ranging 2-3 days a week;  so i can't say that i will buy a season ticket which is more expensive?? Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this worry: i will do that. QuestIon: will they inform my employer?     
    • So they seem to be deliberately fouling Britain - not 'just negligently Need to be in jail alongside the PO crims, and rabidly corrupt MPs
    • Well, we know it seems that the poops and others just use there MP position mainly to generate funds from their 'outside' lol interests Lets hope labor BAN second jobs for Mps - all second jobs - then create a truly independent expenses 'police' with real powers Tip of the iceberg: "A cohort of Conservative MPs standing down before the next election have netted jobs worth millions of pounds and have taken dozens of all-expenses-paid trips funded by foreign governments and lobbyists, the Observer can reveal." so far - "top of the list was former justice secretary Brandon Lewis, who has taken on five new part-time roles worth £410,000 a year alongside his commitments as an MP.   Outgoing Tory MPs take lucrative second jobs and ‘swan off on jollies’ | Conservatives | The Guardian WWW.THEGUARDIAN.COM Sixty four Tories and four independent MPs who lost party whip plan to stand down from the Commons amid dire polling for Conservatives  
    • The first thing you need to do is for your father to send Argos customer services an email saying he wishes to return the item within the 14 day cooling-off period under the Consumer Rights Act 2015. This is important because he needs simple proof to back up his request, as they are being stubborn. Enclose a copy of receipt details so they can locate the sale, Distant selling regulations will apply as he made the contract online with the retailer and they took the payment. The contract is between your father and ARGOS. He has to cancel the contract and receive a refund back to his debit card. You cannot act on his behalf (Privity) as a third party and they have every right to refuse to deal with you if they so wish. Data Protection the number one issue. How you received the goods is irrelevant. A retailer's terms and conditions cannot derogate statutory obligation.
    • TfL take abuse of staff passes very seriously. If the pass has been confiscated I imagine they will write to them and it could result in the card being suspended for a time, as I understand it. I hope you've told them about the card being confiscated and why? We need to know how many times you used the pass please - how many weeks at 2-3 days a week. Later I would expect TfL to write to you as well, possibly with a schedule of journeys made with the card, to ask you to tell them which journeys were you. They will ask for your side of the story. We can help you to refine a letter to send once they write but you need to start it off because you're the only one who knows the full story. I suggest something like this. Paragraph 1 a short explanation of why you used the card on the day you were caught Paragraph 2 you know you made a mistake and you regret it Paragraph 3 you understand how what you did is wrong and the effect it has on TfL Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this Please don't copy and paste what I've said, use your own words. HB NB This is a suggested reply, don't send it before they write to you because we need to see what they say.
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      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.
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Hi everyone I came accros this site yesterday and think a lot of good advice is given, so I wondered what peoples thoughts on my situation are. In May 2010 my wife and I signed onto a debt mangement plan with best solution, a month later my wife and I seperated and are now divorced.

 

My Debt totals 36K I currently live in rented accomadation and pay maintence for my son. my total debt originally comprised of 3 debt's with TSB, 1 Halifax and 1 with virgin. All but one of the debts(virgin) have been sold by the original companies to other debt collection agencies. My parents are wanting to help me and have manged to make approx 15k avaliable to me.

 

Due to me getting divorced and living in rented accomadtion my management plan was changed so I pay only a pound a month to each company, this has been happening for the last 18 months.

 

I was going to approach best solution and see if they could get full and final settlements with as many creditors as possible. This is were I would like people's thoughts I wouldn't say best solution have been bad, but I have had several telephone conversations with them were computers have been down, failed to respond to emails and replys to emails that have been headed up as another company no explination given when asked, and they charge a monthly fee of £65 plus an expensive set up fee in the first place.

 

They will also charge 25% of any savings made. Can I approach these companies direct in a letter seeing if they will accept a full and final payment and marking my credit file as complete. It seems that these companies purchase the debt for less than 20p in the pound so if I offer more will they accept. Best Solution will charge 25% of any savings I make for what??

 

Letters I can deal with myself. Would the company be more inclined to accept my offer direct and miss out the middle man? Would cutting the middleman out cause a problem? One of TSB debts has reccently been taken on by APEX and they have rang me every week for the last 4 weeks I have told them to contact best solution, best solution have said they will send them a letter saying all communcation should be with them.

 

Apex have also this week sent letters talking about house visits and solicitors, I believe these are scare tatics, should I wait until things have settled down for a period of time before approaching them??? I would like to use this money from my parents to it's very best use and get clousre on this chapter of my life asap. thanks for all your thoughts and ideas!!!!

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Id drop the fee paying dmp and set up your own personal or use step change

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Id drop the fee paying dmp and set up your own personal or use step change

 

I agree entirely, you can make full and final settlement without involving a Debt Management Company, it is important to rememeber that DMP'S can be dropped at any time as any agreement with these companies is not binding in any way.

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You do need to distance yourself from the Fee paying DMP - if you need advice then you can contact either National Debtline or StepChange. They will offer you a range of options and probably help you with Full and Final Settlements if that is the way you are planning on going.

 

You do need to ensure that your offers are indeed accepted as Full and Final settlements and that the current owners of the Debts will NOT simply take your money and then sell on the balance. Be aware, this has happened.

 

Any contact with the creditors needs to be conducted in writing.

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

1: How can BCOBS protect you from your Banks unfair treatment

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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Full and Final settlements and that the current owners of the Debts will NOT simply take your money and then sell on the balance Thats the part I am also worried about how do I protect myself and ensure that when I hand my money accross they will process the paper work and honour their part in saying the matter is settled and finished??

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Step 1: Use this sample letter: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=24_full_and_final_settlement_offers

Step 2: do not make a payment until they have replied in writing telling you that they will accept, and that they will not chase for the remainder or sell it on after you've made your payment

Step 3: make the payment

Step 4: keep that confirmation letter in a very safe place (this is your evidence that they've made a promise to you, and you have acted on their promise)

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if you are looking to F&F

 

ALWAYS go through each debt

and do the following:

 

CHeck the debt SHOWS on your CRA file.

CCA the owner of the debt, to ensure they hold the correct paperwork to even demand money from you

SAR the original creditor and check for PENALTY charges & PPI reclaiming.

 

always make it a condition that:

any F&F results in the debt being marked SETTLED , NOT partial settlement.

always ensure ALL neg data is removed as part of the F&F

 

if whom you are thinking of paying will not GUARANTEE those two things IN WRITING

before you settle,

 

you might as well BURN the money for all the good it will do.

 

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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Just found out it will be a couple of months before the amount I was hoping would be avaliable will be,

 

at the moment it's a couple of K short. what can I do?

 

I was planning on writing to all my creditors in one go?

 

Should I still do this only offer less or write to a couple?

 

The example on the national debt shows an example of 40 in the £,

 

should I offer less to megotiate in case some people want more??

 

does negoation happen or isn't that something that really happens?

 

thanks for any thoughts

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Just found out it will be a couple of months before the ammount I was hoping would be avaliable will be, at the moment it's a couple of K short. what can I do? I was planning on writing to all my creditors in one go? Should I still do this only offer less or write to a couple? The example on the national debt shows an example of 40 in the £, should I offer less to megotiate in case some people want more?? does negoation happen or isn't that something that really happens? thanks for any thoughts

 

If you follow dx100uk's advice and check to ensure there are no default charges or PPI that you can claim - that the debt is NOT statute barred, that they are able to produce a compliant agreement - BEFORE you enter into negotiations with them then you might find yourself in a stronger bargaining position. Yes, you can offer less in order to give yourself some wiggle room if they dont accept your first offer.

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

1: How can BCOBS protect you from your Banks unfair treatment

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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just applied for my CRA,

Apex are asking for a income and expenditure report. Should I do this, and does this have any bearing on writing a letter regarding a F & F?

 

Also I what rights do they have with this infomation?

 

I have filled these out to BS but I haven't done one in some time, and I am now wondering how offical is this what can they do with this.

 

How does it affect my current DMP?

 

thanks

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Sorry I don't understand the sentance?

 

He means if you gave the I&E to them, they couldnt try and get more out of you and would pretty much be obligated to accept the low amount.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Sorry I don't understand the sentance?

 

That's becuase I am an idiot.

 

I was supposed to say that if the income & expenditure form shows you can only offer a little per month they may be more receptive to considering your full & final.

 

Sorry! My fault totally!

 

Seq.

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I thought that was the case just wanted to make sure. Do they have the power to check your bank account or other private details for the I&E or anything else, I didn't think about this at the time when I started and am now more aware of things. thanks

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Regarding bank statements, not even the police can see them unless you either hand them over willingly or sign a legal form authorising the bank to release the documents. Even the courts would need to make an order that demands the bank hands over the documents. Trust me, ive been there.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have sent off for my credit report file, and will work through that and fill out a Income and expenditure form,

shortly after that Write to my DCA's and see if they will accept a full and final.

 

But one thing I am a little confused on I started my DMP, back in May 2010.

 

Will the black marks on my credit file.

 

Is it 6 years from May 2010 or six years once everything is cleared up.

 

Also how badly will this affect trying to get a mortgage(hopefully) in the coming years?

 

thanks for all your thoughts.

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look at the debts

 

they will have a defaulted date

 

any account paid or not

will vanish from your cra file

on the defaulted dates' 6th birthday.

 

just remember if you are going to F&F

 

follow post 8

 

then ONLY pay it to the original creditor

if they show on the cra file as owning the debt.

 

if a dca owns the debt

 

then pay them.

 

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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Looking around the web I notice that some people say start low with your full and final amount and work up.

 

The other thought is a calculation to spread your lump some accross the different debts?

 

If you are trying a full and final how do you tackle this??

 

If I say it's a one off offer how can I then go back and say oh I have an extra £200.

 

If I divide it up the same % to each debit some may want more others less.

 

How do you make the best use of the lump sum?

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i'd gather the info on all the debts first

 

keep the money as a war chest.

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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Share on other sites

Thats what I intend but when I approach them should I offer the same % of my war chest at the sametime or start low and offer incase I need more for another debt? but then how can I say this is a one off offer? I can't quite go back and say here is a little more but it's a one off offer????

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