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    • I have been living with my partner since 2013. But after the birth of our son in 2014 things became unstuck. We were living together but I was making plans to move out, even viewed properties etc and therefore began claiming CTC and WTC to ensure that I could afford to go it alone. Eventually we worked it out but it has been on and off for years. In addition to this, I was in a lot of debt, had lost my job and knew that (selfishly) I needed the tax credits to keep my head above water.  My partner has no idea that I was claiming and if he finds this out he will leave me for sure. The house, the bills, everything is in his name. I work but I dont make enough money to contribute to the house as well as pay all my existing debts (my partner doesn’t know about half of these either). I  once had a bailiff call at the house and I had to tell him about it. He was so angry and mortified (as was I) and I just feel like I am bringing so much shame onto our family. I have been living this lie for 6 years and I couldn’t find a way out of it. I know I have made a huge mistake. I just want to pay it back and try to move on from it. I’m worried that I will have to go to court, prison, or they will want to speak to my partner about it. I really don’t want him to know about this because it’s so shameful. From my estimations it could be between 28-30K. I have absolutely no idea how I will pay it back, as we wouldn’t be able to claim any further credits as a joint claim because he earns too much money.  I haven’t eaten or slept in days. I feel physically sick and I just can’t cope with the guilt and humiliation. I did make false claims and now I’m worried I will pay the ultimate price and lose everything I have.    
    • Hi All,   Hoping for a little help and advice please.   This company Link Financial are chasing me for a debt that I had as a credit card with Royal Bank of Scotland. Out of the blue and having no correspondence from RBS a few year back this company claimed I now owed them the sum of money. I have written in response stating I do not acknowledge any debt to Link financial and asked them to supply evidence of liability. I also requested a true copy of the alleged agreement, a full statement of account, a signed true copy of assignment and any other documents referred to in the agreement. I also enclosed  a £1 payment for the credit agreement request and clearly stated that this £1 payment under no circumstances should be set aside for any alleged debt and if the documentation can't be supplied the fee should be returned.   Link's response was just a small statement of account with credit agreement number, account number (same as the RBS number), date of agreement and transaction sheet where they had taken the £1 fee off the debt value after I asked them not to. There was no true copy of assignment, true copy of alleged agreement or evidence of liability.   For reference, In 2009 my debts started to mount after my wife I had lost a child and we weren't at work for months, so ended up paying the mortgage on a credit card. Eventually it got too much and the RBS took me to county court in 2011 where I received a CCJ and then RBS was granted a charging order on my property which is in my name only. I was ordered to pay a monthly fee.    I received my first letter from Link in 2016 just stating, we have not written to you in some time as we have had to locate your address. We would like to discuss your intentions regarding the outstanding balance on  your account. I had no correspondence from RBS about this so I thought this was a scam company.  Unbeknown to me I also realised the monthly payment to the RBS had stopped being taken directly from my account.   After a few letters backwards and forwards about me disputing Link and this debt today 26th February 2021 I have now received another letter from Link stating. As you are aware a charging order on the beneficial interest you have in the property at.........has been secured. They are now seeking payment and will accept monthly payments on the account in accordance with my current financial situation. If I chose not to settle in full or fail to complete and return the form below or contact them within 7 days they will take further legal recovery action. There is a little boxed section at the bottom monthly or weekly payments for me to fill in and send off.   I'm really at my wits end now of what to do next. I have two years left on my mortgage and finding it really hard to get through that two year financially, especially since this pandemic has really hit home money wise. The last thing I need is the family home to be taken away especially with a 10 year old in the home.    I really appreciate any help and guidance. Thank you.    
    • OK lets pick out a few words in the ramble   Free energy?  Slavery?  Constructive manslaughter?  Weaponised energy of 5g Biowarfare Only wearing medical masks for criminal intent   Please may I suggest an extra layer of foil on the tin hat?    Oh and FYI there is no class action in the UK... 
    • i thought that was the point of mediation, to show them that you think they havent got a case to go to court with? I realise you know far more about this type of thing than i do though, but i thought that not fulfilling the CCA properly - ie by not supplying t&c - was an automatic fail at court for them.   I dont know what to do now -   @Andyorchcan i have your thoughts too please   the hassle just makes you feel like giving in to them
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

lowell joined 3 debts [2 mobile, 1 credit card]made me BK, now want my house!!


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Hi TB, Hi all,

 

Transcript has been sent to Judge in lower court to approve, its been nearly 2 weeks, so chased up on Thursday with company that transcribed it, as yet no new from them.

 

I am not getting notifications of my messages on here so I will check daily now till I can up date some news of this.

 

WB aka Watson, Promises........

I will let you all know as soon as I do, I know you all are with me, holding my hand, as I wait for news sat in this cold, dark, and very, very scary place that is called the moors. WB aka Watson is looking out for you xx

 

 

So good to hear that you are still hanging in there!!

 

Strange how the courts insist on time limits when replying to them, yet they don't hurry themselves when we are waiting for answers!!

 

I have written to the court to request a remedy to their maladministration THREE times since the beginning of November and still haven't had a reply or even an acknowledgement!!

 

I am just so grateful to the dear friend who has supported me throughout this ordeal…. he is also out on those moors, as you know, and I am sure he will be thinking of you and willing you onward and upwards…

 

The truth will surely prevail when the evil sack of gold, which has so far unbalanced the scales of justice, is thrown aside.

 

Good luck, WB!!

 

TB x

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So good to hear that you are still hanging in there!!

 

Strange how the courts insist on time limits when replying to them, yet they don't hurry themselves when we are waiting for answers!!

 

I have written to the court to request a remedy to their maladministration THREE times since the beginning of November and still haven't had a reply or even an acknowledgement!!

 

I am just so grateful to the dear friend who has supported me throughout this ordeal…. he is also out on those moors, as you know, and I am sure he will be thinking of you and willing you onward and upwards…

 

The truth will surely prevail when the evil sack of gold, which has so far unbalanced the scales of justice, is thrown aside.

 

Good luck, WB!!

 

TB x

 

Silly question, but can you actually issue a court claim against a court regarding maladministration ? Or do you simply issue a court claim against the Ministry of Justice ?

 

When a court fails in their administration, what remedies are available ?

We could do with some help from you.

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Silly question, but can you actually issue a court claim against a court regarding maladministration ? Or do you simply issue a court claim against the Ministry of Justice ?

 

When a court fails in their administration, what remedies are available ?

 

Hi Uncle… I am really not sure about the process of making complaints about court maladministration… nobody on here seems to know, either.

 

The court failed to issue my defence and counterclaim at a hearing for a final charging order, saying that I'd not paid a court fee…but I am exempt from court fees, and had sent all the documentation relating to this.

 

Having tried for over a year to find out what happened to my file, I've only recently been told by the court that it has found my documents and it apologises, etc..

 

In light of this I have made an application to set aside the Charging Order.

 

Who knows if this will be enough to allow the case to be heard properly… but I have to at least try.

 

I wrote to the MOJ and they told me I had to write first to the court and complain…. I have written THREE times since their apology, asking what remedy is available, since it was their mistake, but they have not even bothered to reply… so I guess I must now go back to MOJ…

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Hi all,

 

Tomorrow I go to London appeals court for the hearing to appeal, Hopefully to be granted a order to appeal out of time, then have my case heard and (please god) hopefully overturned.

 

Time is set for after 11.am and to last about one hour, So "wish me luck Guys" and ill see you all out on those moors as soon as I know the Honourable Judges ruling.

 

Watson awaits the horse drawn carriage to take her to the place were she hopes to see her dear old friends, or at least to feel the many hands holding hers in spirit.

 

As always thanking all you fantastic caring people here on CAG, I could not have made it this far (regardless of outcome) with out each and every one of you!xxx

 

Mouldy and DD and all who wish to, we shall meet one day with the sun on our faces and the moors far behind us xxx WB

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Best of luck Wendy...hope the decision is favorable.

 

Regards

 

Andy

We could do with some help from you.

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Yes. Good luck. I hope your resolute persistence pays off one day soon.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

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Advice & opinions given by Caro 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.

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Thank you Wooks001,

 

My determination came from this forum, and as iv said many times before no matter what the outcome this forum and the dearest people iv never met have given me the strength to achieve this tomorrow, and even if I loose, iv won.

 

That theses lowlife gutter snipers need us all to continue to get credit so easily, we need to stop getting credit on the never, never.

 

This damaging use of lowlife Capone and Lowell portfolio one offering easy credit to all and sundry, knowing that one day, may be not tomorrow but one day very soon in the not to distant future, they already know life changes all ways dose, for every one, and that's when they go in for the kill.

 

You may not own your home at this point but may be just may be at some point you will, It will not matter if its statured barred or even paid off, or if default notices are lawful OR UNLAWFUL, for they will come and they will phone you by means of computerised voice and leave you messages yet... you will not be able to speak to a human person.

 

It will cost you ££££££££££££ JUST TO BE PUT ON HOLD ! No more CAG no more xx

 

I want the law changed regards these debt collectors I want the law changed regards secure and unsecure loans , I want this stopped and win or loose my story will be told.

 

WB aka Watson ready for action and with her army and fully loaded and marching on.......... PS; Fingers crossed xx:!: Love you all and big hugs xxx:whoo:

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Wendy… I am thinking of you and hoping that all is going well.

 

I am continuing with my own battle with the help of our dear, mutual friend, The Mould, of whom I shall be forever indebted to, along with all the marvellous, knowledgeable people on CAG who have helped me so far.

 

Justice must surely prevail!!

 

Take care and may the force be with you!

 

TB xxx

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Hi all,

 

Just got back from London unfortunately the Honourable Judge overseeing my appeal was taken unwell this morning and it had to be postponed to a future date. My thoughts are with him: sad: xx

 

I managed to get myself truly lost in London as I was on my own and travelled by coach to Victoria station, a route I have never been on before and shall not try again!

 

Will keep you all updated to a future date.

 

Kind regards Wendy.......... aka Watson still here on those moors xx

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Could be awhile, if other cases have also been postponed, with other cases already listed. They have to give you notice, so you have a chance to attend.

 

Victoria coach station is not badly located, but unless you know the area and where you have to connect to Tube services, it can be a nightmare.

 

Coaches can get held up in traffic, so if you need to be somewhere at a given time, you have to allow a couple of hours.

 

Also inside the station, it can be a nightmare at busy times, as so many coaches seem to run and you have people running you over with suitcases,

 

Good luck, when it finally takes place.

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

 

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Hi all,

 

Just got back from London unfortunately the Honourable Judge overseeing my appeal was taken unwell this morning and it had to be postponed to a future date. My thoughts are with him: sad: xx

 

I managed to get myself truly lost in London as I was on my own and travelled by coach to Victoria station, a route I have never been on before and shall not try again!

 

Will keep you all updated to a future date.

 

Kind regards Wendy.......... aka Watson still here on those moors xx

sods law, get all ready and psyched up, then 'force majeure' steps in to prolong things :)

let us know the new date.

IMO

:-):rant:

 

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sods law, get all ready and psyched up, then 'force majeure' steps in to prolong things :)

let us know the new date.

 

Will do Ford, I had to look up what forced majeure meant tho ! WBx

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Ohhh… that was rotten for you, Wendy…. I am dreading the thought that I, too, may have to travel to London eventually… but I suffer from claustrophobia and can't travel by tube unless I am doped to the eyeballs on Valium… but that wouldn't be very good if I have to give evidence…

 

Is it not possible to have a hearing by phone call?

 

TB x

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Just reading your post - what a shame. I use the coach station at Victoria a lot, it is easy for me as a train from my local station goes to Victoria. Used it today coming back from Southampton.

 

Do you have any info as to when your case will be heard?

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