Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • 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..      
  • Our picks

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2332 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

It's been a long time folks since i've been on here,

so hello all its great to be back.

 

Now, down to business....

 

Through the FOS i got the current address for the company now handling all of Yes Car Credit information and also Direct Auto Finance stuff too.

 

I emailed them and received a reply saying i had to download a questionnaire about my purchase of PPI when i brought the car (years ago).

 

I have downloaded this, completed it and sent it off along with photocopies of paperwork from the day i purchased a car from YCC (back in 2003).

 

I have since received a letter from them to acknowledge receipt of the paperwork i have sent them,

but can anyone tell me what i can expect next, and do i actually have a chance of receiving any kind of a repayment from them,

or am i just edging my bets and whistling into the wind >

 

Any help would be great and very much appreciated.


Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

Share this post


Link to post
Share on other sites

they do cough yes

 

see the threads here use the search of the gey toolbar up top

 

they have 8 weeks

 

did you do a spreadsheet?

 

dx


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

 

Share this post


Link to post
Share on other sites

Hi dx,

No i didn't do a speadsheet. The person replying to my communication asked me to download a questionnaire and complete it and return it to them with as much info as i could which i did.

Baz


Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

Share this post


Link to post
Share on other sites

so you've no got the statements or the agreement?

 

dx


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

 

Share this post


Link to post
Share on other sites

Be aware though that getting your money back from them will not be easy. If you bought the car from them in 2003 they won't have been regulated so you won't be able to go to the FOS. A number of us here are in the same position and about to embark on court action. Don't give up.

Share this post


Link to post
Share on other sites

I have all the original paperwork (that was given to me anyway), but obviously didn't intend sending it to them. I took photocopies of certain ones clearly showing my name , address car details, price i paid per month, what the ppi was etc, so there is more than enough proof.

I can't understand why companies like this were allowed to get away with ripping people off and then years later still manage to fob people off until the very end.

Their showroom assistants were very clever and very manipulative (something that i have not fallen for since), and i for one am glad the company has stopped trading.

Thanks for your help folks.


Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

Share this post


Link to post
Share on other sites

Good luck bazak1 I had a straight fat no on my claim even though it was a miss selling they argue it was not miss selling when it was blatantly it was let me know how you get on regards

 

mfl

Share this post


Link to post
Share on other sites

Are either of you considering taking them to court?

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...