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    • Why are you adding "They can't even do that now" ... when we are discussing Labours stated intent to open the borders and refuse any system based on usefulness ? (deliberately left business out unless someone defines what is meant by 'business'   and before firing off about hostile environment, consider that anything OTHER than open border free for all could be classed as 'hostile to some.     So what - if its implemented based on filling our societies needs, and those needs are NOT just someones personal profit needs and because our own aren't trained and educated properly? or are temporary to fill a temporary need perhaps while we do train up our own and aren't simply to get the workers cheap. ... Like migratory workers - do we accept thats a good way, or do we force UK citizens to do the work via a hostile benefits system?   but an open door is no answer to anything.  
    • https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=xs insurance&oq=xs insurance&gs_l=partner-generic.3...785282.790187.0.790712.12.12.0.0.0.0.135.822.11j1.12.0.gsnos%2Cn%3D13...0.4912j2873742j12...1.34.partner-generic..12.0.0.xvLc08x0Anw    
    • £3000* as your contribution (Excess) to the sum insured.   If you are on fully comp. you’ll get your repairs, their repairs (and costs) and have to contribute £3k*.   If you are on 3rd party (fire & theft) you’ll get their repairs (and costs) and have to contribute (£3k* AND all of your repair costs), [unless you don’t want your car repaired when you’ll just pay the £3k*]   * £3k if the total exceeds £3k, the total value of the claim if the claim doesn’t exceed £3k : why it  is important to find out the value of their claim and if their claim is appropriate or inflated.
    • I think you're conflating the discussion with your own view of what open borders means.  Obviously I don't think it's sensible to allow people to come to the country and claim whatever they can - They can't even do that now.  If they have a job, and are able to support themselves then that is what I would say is fair enough.  The real issue with selecting who comes to the country is that you can't devise a system that selects people fairly, and it would need some human intervention down the line.  How do you decide who is of benefit to the country etc.. I think if we go down that route, that is where I feel uncomfortable.  Even if we adopted an Australian points based system it wouldn't reduce immigration, and the hole notion of only allowing people that earn above a certain sum of money to come to the country is plain silly - As if the amount of money someone earns is the mark of their character.  And as we know, we rely heavily on low skilled seasonal labour.     Your point is moot because our low skilled workforce have no reason to move to another country unless the standard of living is equal or better to ours.  I did read the other day though that the UK provides the greatest number of immigrants from any other country to Australia.   I would suggest that the foreign aid everyone likes to grumble at is a way to improve living standards in other countries.
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Thejezz

Wage day advance DCA Debt & Revenue services

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Hi all,

 

I am new to this and would like to ask for some advice.

 

Unfortunately I got my self in a payday mess, I have had several which i now have payment arrangements set up.

 

Due to 1 tough month I did not stick to the payment arrangement with WDA and they straight away passed this to DCS (DRS)

 

The amount that was owed before i failed the payment was £340 - DRS have given me 2 options:

Pay £401 now.

Pay £580 over 6 months

 

I asked them to have a full break down of the charges added which I got the response of " it's the APR mate"

I wish I could pay the full amount but I am unable to.

 

I gave them an offer of £40 a month which they declined, I ignored the calls so I could have a think, they repeatedly called my work desk phone which got me in trouble as the calls are monitored. They said they will apply for a attachment of earnings which will be taken straight from my wage (again this does not look good to my boss I imagine), so now I am a bit worried.

 

If £580 over 6 months is the best option to you guys? then I would go ahead and do this, but without exaggeration I will be eating rice for the next 6 months.

 

Also does anyone have any experience with this DCA? I talked very calmly and professionally on the phone and the person I spoke to got excited very quickly like I owed him personally money, I asked them to please stop calling my work phone (stupid me for giving it to them on the WDA application) which i got a response we can call your work phone or your employer at anytime we want.

 

The stress levels with me are on the rise so would appreciate any advice.

 

Many thanks,

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Hi

 

Im not an expert but as far as im aware you if you hit financial difficulty you tell them what your paying each month as its all you can reaonably afford if they refuse drop the offer as they are doing nothing to aid you.

 

You can also file complaints to the OFT for those calls as they should not be calling you at work especailly if you habe said not to. Also complian using their own complaints procedure.

 

Others will be along to asist further.hope this helps

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They should also provide you with a full breakdown of charges an not just "its the APR" if you ask they have to provide it.

 

£40 a month is more then resonable in my opinion. But like i said you TELL them what you are paying as its all you can afford at the moment and as goodwill should stop interest and charges. If they dont drop them to £1 a month as thy are doinb nothing to assist you in time of harship.

I hope that makes sence.

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Thanks for the advice!

 

Quick question, can this DCA apply for an attachment of earnings and take the amount of my wages? they advised me this would be done swiftly.

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Indeed as mk says not without a court order. Its just their usual threat-o-gram nonsence! Plus i think only the Original Creditor can do that.

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Thank you for the advice all, you have eased my nerves.

 

I will stick to my offer of £40.

 

Next time the call will be recorded (they are warned) so if they get abusive and continue to call at work I will complain

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An AOE can ONLY be issued as follows:

 

The debt is taken to court. The creditor wins the case and a CCJ is granted ( takes a MINIMUM of 30 days after the case is won). You then make no payments to the CCJ. The CCJ then heads back to court and you are invited to explain why you cannot make payments. If you dont attend, or dont inform the court then they have a variety o options at their disposal. This can take MONTHS.

 

However, if you give them an I&E sheet that shows you can only afford a fivcer a month, then thats all they will tell you to pay, and even then, payment is made by the method of your choosing. Normally Giro/Debit card or standing order.

 

In short, the creditor/DCA is lying and misleading you and you MUST make full and formal complaints.


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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Your most welcome.

Well explained renegadeimp.

 

Also if they ring your work and they disclose any information to anyone but you they are seriosuly in the doo doo!!

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