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    • I hope you mean I try to help people stand up to bullying - and not do the bullying!   I'll assume it's a compliment!     Well - that sort of demonstrates that you've not understood my point and (perhaps?) haven't actually read the OP?   My point is that it is not the boyfriend (the supposed "owner" of the car park) who is posting, but his girlfriend who believes that he "owns" his car parking space.  Yes - it usually makes sense to believe that what the OP is posting is the truth, but in this case there is every reason to believe that there is a possibility that the OP might be mistaken about her boyfriend's ownership of the parking space, because...  well, how would she know for sure whether he does or not?  He might be boasting or lying or simply mistaken.  (My understanding is that many people who "own" flats are often under the mistaken apprehension that they "own" a parking space when they don't.  All the more reason then that somebody else other than the "owner" might be even more mistaken).   I suppose what I'm getting at is that I was a bit surprised that both you and dx100uk were able to give such definite and certain answers to the OP without exploring her situation a bit more fully and ensuring that she fully and correctly understood her boyfriend's rights in respect of the parking space in question.  I was simply concerned that without getting more information from the OP, then the replies given to her might prove to be less than useful.  I wouldn't want her to leave thinking that there was absolutely nothing to worry about and then find out there was because she'd been misadvised because she didn't understand whether her BF "owned" the space or not.   Of course, it may be that my concern here makes absolutely no difference to the answer that needs to be given to the OP because it doesn't matter whether her boyfriend actually "owns" the parking space or not, which is fine.  But sometimes I think it would be helpful to the OP (and other readers like myself) if some of these legal niceties could be spelled out rather than left unexplained.    
    • I've spoken to my son in law and because the gearbox can be very expensive to repair, he would prefer to reject the car.   The garage isn't going to charge storage at the moment.   I feel they have been mislead regarding the service history.   How difficult would it be to get the finance company on our side in rejecting the car and sending back to the dealer?
    • The first thing to say is that you better go ahead and refund the buyer because otherwise she will end up getting negative feedback as well. We will try and help you get your money back from Hermes. Have you made a formal claim through Hermes and have they formally declined you and giving you reasons why? Presumably the item was properly declared and properly valued when the delivery was booked. You don't say whether or not you took out their so-called insurance. Please start off by reading around the sub- forum focusing particularly on the Hermes threats. There are lots of them. Get to understand the principles in respect of the arguments – the insurance element, your third party rights despite the fact that you booked it through Packlink. Have a look at other people's experiences of having sued Hermes, the process of issuing the claim, the defence, the mediation and have a close look at the advice that we give about how to handle mediation. It's highly likely that you will have to issue claim papers so also read around to understand the steps you need to take to bring a small claim in the County Court. It's straightforward but understanding the steps will make you far more confident about what you are doing. Have you started a formal complaint against Hermes and Packlink?
    • Christmas Wonderland has been allowed to reopen because it sells real Christmas trees. View the full article
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Well recently posted to seek support for an SD served by BW Legal for a large debt and followed all the advice on here and then today another debt letter arrived, this time from Hamptons for an old bank overdraft of circa £1300. The letter threatens CCJ or SD.

 

Phoned Hamptons today to ask what the debt related to ( I know I shouldn't have phoned them, but was a bit annoyed). I challenged the need for them to ask me my DOB for data protection purposes....

 

Anyway, Is there anything I can do with this overdraft in terms of challenging the amount or do I bite the bullet?

 

Any help would be appreciated.

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Well recently posted to seek support for an SD served by BW Legal for a large debt and followed all the advice on here and then today another debt letter arrived, this time from Hamptons for an old bank overdraft of circa £1300. The letter threatens CCJ or SD.

 

Phoned Hamptons today to ask what the debt related to ( I know I shouldn't have phoned them, but was a bit annoyed). I challenged the need for them to ask me my DOB for data protection purposes....

 

Anyway, Is there anything I can do with this overdraft in terms of challenging the amount or do I bite the bullet?

 

Any help would be appreciated.

 

When did you last make any payment towards this overdraft ? If you don't know when the overdraft entered into a default status, I think you need to contact the bank concerned to find out. Perhaps now is the time to send an SAR to the bank, to get hold of copies of everything.

 

Did you ever contact the bank concerned to advise of your problems regarding the overdraft ? i.e did you advise them of hardship issues.

We could do with some help from you.

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When did you last make any payment towards this overdraft ? If you don't know when the overdraft entered into a default status, I think you need to contact the bank concerned to find out. Perhaps now is the time to send an SAR to the bank, to get hold of copies of everything.

 

Did you ever contact the bank concerned to advise of your problems regarding the overdraft ? i.e did you advise them of hardship issues.

 

Hi and thanks,

 

At the time (2009), I had a lot of debts to sort out and this was the last and smallest thing on my mind. At the time my wife had a full on breakdown and subsequently lost her job, so didn't even register.

 

Regarding a SAR, have just sent a request to LLoyds for another debt so guessing this should cover this debt too? Or am I mistaken?

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Hi and thanks,

 

At the time (2009), I had a lot of debts to sort out and this was the last and smallest thing on my mind. At the time my wife had a full on breakdown and subsequently lost her job, so didn't even register.

 

Regarding a SAR, have just sent a request to LLoyds for another debt so guessing this should cover this debt too? Or am I mistaken?

 

Lloyds may not include this other overdraft account, unless you included the account number. If you contact (write or phone) the Lloyds department dealing with the first SAR, they should add this other account onto your request, without charging you a further £10.

 

I don't know what your overall position is, but with debts that are still enforceable, you would probably be wise to seek a payment arrangement. If you own property, if you do not manage to set aside the SD and they proceed with bankruptcy, with the additional costs that will be added, you will have a serious chunk of equity taken from you. It depends on the equity situation. If you want to try the set aside, unless you have very good reasons, it would be wise to seek a Solicitor that deals with such matters. BW Legal/Lowells are apparently put off proceeding, if you have Solicitors acting, because they could end up paying your costs, if you won the set aside. If you were doing it yourself as a LIP, they might not be put off from proceeding and they will play the system, based on your lack of knowledge. Just read of the number of times they obtain adjournments for set aside hearings, while they get their documents together.

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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Thread moved to Debt Collection Industry.

 

Regards

 

Andy

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 The National Consumer Service

 

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