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    • 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..      
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just wondering if bayv stating that you have to take their insurance or be covered by your own home contents insurance is the same codswollop as bright house?

 

they do acknowledge that the extra warranty is optional just not this insurance.

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Exactly the same as brighthouse.


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

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BAYV request a copy of your contents insurance annually until the goods are paid and on receipt of such will remove the cover... That was the case when I last asked them... The BAYV rep. might want to comment...


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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No law that says you MUST have insurance for HP goods. Sure, they can reject you if you dont take it, but they cannot force it on you.


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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Most, if not all, HP companies insist on a certain level of cover for the term of the agreement. BAYV will remove said cover on receipt of contents insurance as mentioned...


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Dear Flynnsmum123

 

The comments from both

 

renegadeimp & babybear39 are both correct is so much that no insurance is mandatory, however unless you have cover for most products on our HP agreements we usually require some form of cover, for which we have a 3rd party insurer that can provide this. If you do have cover or would like to obtain it from elsewhere we would be more than happy to remove your current insurance.

 

Just one point of clarity however our cover is not exactly the same as other HP companies such as BrightHouse as ours is a full insurance in that it replaces "new for old" as opposed to simply a remaining payment waiver.

 

If we can be of any further help please contact customer services

 

Kind Regards

 

BAYV

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i'd like to claim these back,can i send the letter via email to the ceo? pretty much on first name terms with that department lol

 

i know online its classed as all sorted but the last time i spoke to someone it was 2 separate things?

 

i got one of them removed a while back but didn't claim the payments back,but i was still told i need the other because as usual 'i don't have home insurance'

 

do i need to fill in a spreadsheet or anything? can interest be added on?

 

i read here enough that i should know these things just want to double check

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From experience on these forums, the CEO simply shrugs off any responsibility onto the various stores. As a general rule, you can reclaim all insurances and interest at the rate they charged. If you took out one of their new agreements, it is harder to do as they have thrown everything in together to try and stop people reclaiming it, so they can make even more money off the vulnerable.

 

It seems theyve started to copy Brighthouse's business method.


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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if they are open tomorrow i will double check what i am paying for.

 

i got one thing last june and the other about 3/4 months ago.

 

i was able to cancel one insurance so fingers crossed that i don't have them lumped into one.

 

there isn't a store near me so if he pulled that he'd be onto plums ha ha

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I got all the information from them so it's as follows:

 

Agreement 1

Total amount - 862.68

 

Start date: 22/6/13

Insurances: allsorted £1.45 p/w

Eps £1 p/w

Cancelled allsorted: 2/4/14

Interest rate: 49.9%

 

Agreement 2 - 1462.89

 

Start date: 1/3/14

Insurances: allsorted 2.49 p/w

Account closed 13/3/14

(TV was broken when I got it)

Interest: 49.9%

 

Agreement 3

 

Start date: 15/3/14

Insurances: allsorted 3.17 p/w

Eps 2.60 p/w

Allsorted cancelled: 2/4/14

Interest rate: 49.9

 

So now I have all this,what do I do with it? Lol

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If you have full statements so you can see exactly what insurances there are plus the amounts you paid each week, then you need to enter it into a specific spreadsheet ( Theres one on these forums somewhere), and get the total value from it.

 

Basically you'd need an itemised statement so you can check for each amount and that it tallys up. Not simply go off what they have said.


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 had a look earlier for a speadsheet and didn't have much luck i'll have another look though.

 

i pay via direct debit from the start so i can checks dates and amounts that way. i'll have a look for my agreements as well to be sure though

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ive found the spreadsheet can someone explain what i put in the days elapsed column?

 

renegade you also said to charge the % of interest they charged me so do i changed the 8% to 49.9?

 

thanks

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I think so. Hold on for confirmation though. Im not sure if the higher rate is for reclaiming penalty charges or insurances.


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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will do

 

just confused about that days elapsed cause it was filling that in automatically

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the spreadsheet is automatic

 

you don't have to put anything in the days elapsed col.

 

all you do is put THEIR int rate in cell D15

 

and the list EACH WEEKY payment of all sorted

 

entering the date/description [all sorted] and that weekly amount

in the first 3 colms

 

use the CISHEET

 

dx


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

 

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forgot about this because i was waiting for the statements. finally arrived so i'll give it a go and post up when im done.

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attached the pdf. i dunno why it keeps chopping the document when i convert it,tired different programs and its the same outcome.

 

it seems to have changed the dates around from DD/MM/YY to MM/DD/YY weird. thats not what the original is like.

 

have i entered everything right?

 

[ATTACH]52205[/ATTACH]

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set you page size to a4


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

 

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for some reason they are all doing the same and they are all already set at a4.

 

ive tried 5 different sites and downloaded 3 different programs all the same outcome.

 

technology hates me

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ok try a diff way

instead of converting the spreadsheet to PDF

 

simply attach the xls file

 

the printing to PDF issue will be fit to page option

in the converter software

 

don't forget you can download free adobe print to pdf addd ons for MS office.

 

dx


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

 

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