Jump to content


  • Tweets

  • Posts

    • How much of the documentation have you seen from when probate was obtained? And do you have a copy of the original will? I can't remember. My thought about you making the decision on your own to go with another lawyer is that three of you are meant to be beneficiaries of this will trust, aren't you? Normally you would need to act together. HB
    • Octopus allows you to pay by variable Direct Debit, so you pay only for what you use but still benefit from DD pricing. That's what I've done ever we were SOLRed over to them in July 2022.
    • Hi guys, I am about to file my defence via email as cannot log in to the claim anymore.  Can you please advise if I can paste below and if it's good to go for now, or should I add anything else in?  Thanks!  The Defendant contends that the particulars of claim are vague and generic in nature which fails to comply with CPR 16.4.  The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.  1.  The Defendant is the recorded keeper of vehicle xxxx xxx.  2.  It is denied that the Defendant entered into a contract with the Claimant - Parking Eye LTD.  3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.   4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant.  5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.   6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Getting onto the ladder: The first-time buyer conundrumView the full article
    • Ooops - one to many also s..... my draft reply should read as:  Thank you for your response Mr Schnur  I set out my position quite clearly in my letter of claim and nothing has changed. Your insurance requirement is unlawful and is contrary to section 57 of the Consumer Rights Act, and also section 72 of the same statute. I would also refer you to the outcomes in PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729).  My deadline for action - 1 May 2024 - still stands, and if P2G wish to avoid the addition of court costs and interest to my claim, you may wish to respond positively before that date.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Debt Management - Contacting Creditors Help!?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3735 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All,

 

Hoping someone can help me.

 

I am in the process of doing a DMP/IVA or a DRO and was wondering if I can get help on a few issues.

 

I am only being badgered by a couple of my creditors but understandbly want to clear everything

so effectively I can start again.

 

I am in the process of contacting all my creditors for balances etc a

nd was wondering if anyone had a draft letter to help me (maybe requesting I&C are frozen request)

and what info I would need to ensure I get recent balances and not duplicate creditors.

 

I have checked my credit report with Noddle and there are some of my creditors on there

but not all, so is it worth emailing every creditor to get a balance/account number

or just to deal with whats on that report as I know I have more.

 

Also, some of my creditors are payday loans from several years ago and have mounted in interest, do I now have to pay the full balance etc? Any advice would be greatly appreciated as the sooner this is sorted the better.

 

Thanks All.

Link to post
Share on other sites

First off. List your debts here so we can see this... Hwo much is it you owe? and IVA or DRO is a bad idea, however a DMP is a better option depending on the amount.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Thanks for the reply

 

So far I have got....

 

Bongaloans - £200+

Countrywide Payday - £139

Debitcard Loans - £432

Equidebt (PDUK) - £787

Keyes Whitlock - £223 (Also PDUK - They granted a 2nd loan at new address)

Lowell x 3 - £763, £159 and £218

MMF - £250

Pound Access - £300

Quick Quid - £589

Redcastle - £386

Speedcredit - Was £400 loan - they are claiming £4,000+!!!!

TxtLoans - £300

Wescot - £387

 

On my Noddle credit it also shows these but not sure if they have been passed on by other creditors.

 

Indigo Michael - £314

Active Securities Ltd - £813

Next Credit x 2 ---- £400 and £115

EE - £683

Cash On Go Ltd - £115

 

and I also owe SW Water around £100, British Gas £30.

I also have a council tax default of £250+ and £300 from old addresses and a housing benefit overpayment of £1800.

 

Pretty messed up from an old relationship as you can tell!

Link to post
Share on other sites

Wow! Okay Loads of PDL..

 

First off Equidebt no longer exist, went into administration so i would imagine that ended up with Cabot...

What DOES actually show on your Credit file?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Okay so from what you listed i get ; £18,153

Honestly... At least youve bought your head to the surface and that is a GOOD Thing!! :)

 

DO you work and what can you afford per month if you do ?

 

Note thats with the 4k from speedcredit... I think they may have folded with Toothfairy as i believe they were one of the Web processing group...

But we can sort that later... just be warned for a letter from DHR Capital...

 

You can challenge most of these to reduce the fees for PDLs as they in theory should really just charge 1 month + interest even if defaulted. But they charge extra fees for being late etc, default fees and a lot of these are over what we consider "Fair"

 

Do you have any CCJs?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

I'm pretty sure a lot of these fall under the same bracket like 1st Credit, MKDP and Wescot or someone claiming for the same HSBC debt.

I currently dont work having fell out of work in Sept due to a marital breakdown - although shouldnt be out of work much longer hence the query on which route is best.

 

As for the Equidebt, that doesnt show on my credit - it shows 2 lots of MEM

 

Currently on JSA so can't afford a lot pm at the min - hence why I was thinking of the DRO route but if it tots up to £18k including the Speedcredit and Lifeboat loans then obv over the 15k threshold

Link to post
Share on other sites

Thank you - just looking for the quickest route out of this but dont really want to be tied into an IVA for 5 years.

Also, would I have room to challenge any of the payday loans with the interest they have piled on? Eg Speedcredit loan was £400 chasing for £4k and Lifeboat Loans was £750 - chasing for treble that in 3 months

Link to post
Share on other sites

Okay i tell a lie and cant flag it :/ ...

 

Right... Lets see here. Yes you can challenge the amount of those 2 debts... Phantom charges yet again...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

forget the rest

 

these MUST be paid

 

and I also owe SW Water around £100,

British Gas £30.

I also have a council tax default of £250+

and £300 from old addresses

and a housing benefit overpaymentlink3.gif of £1800.

 

start a thread in the PDL forum

 

and list your PDL debts there.

 

have you moved

so you've lost all the mail?

 

you need to make a loose leaf file for each debt

 

and put each debts paperwork into it.

 

find as much paperwork as you can.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I have moved about 5 times in the last 3 years so have had a lot of addresses. Havent had any correspondance or very little from some of these companies but in the back of my mind I still know they are outstanding and mentioned them as if I did a DRO or went bankrupt I know you have to include all of your creditors

Link to post
Share on other sites

so you've no real way of knowing if there are any CCJ's etc then

 

the papers would have been served to old addresses.

 

if all of you old addresses do not show on your CRA file

under linked addresses

 

theres no way of knowing.

 

on one of the cra sites theres a section whereby you can update your old info.

 

cant remember which one.

 

but just searching say your name on the trustonline search site

wont help .

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Will they still try and chase for it as I havent had any contact for a while apart from a few silly Marshall Hoares/NDR pretend home visit threats?

Some of the other creditors have also folded like PoundAccess....the difference they make to the debt level is immense

Link to post
Share on other sites

Of course... MHB and NDR were part of the same company... They i think have also disappeared... Let them whistle... You just wont listen to them.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

I think you need to narrow down what you THINK you owe

 

to what you ACTUALLY owe.

 

the PDL's can all be FORGOTTEN ABOUT

 

and lumped together in a thread in the PDL forum

they are NOT IMPORTANT.

 

those priority debts ARE THE ONES

you need to get sorted ASAP>

 

the rest..on the back burner till the priority ones are being paid.

 

debt is NOT A CRIME.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I dont dispute any of the debts..

..what i do however question is the payday loans.

 

I am happy to stick them on the back burner if they arent a big issue

but if I am looking for a DRO or Bankruptcy then they still need to be considered.

 

I am however going to take logical and sensible steps tomorrow to sort something out with the c.tax

and housing benefit as that is now being deducted from my JSA at present

unless I argue otherwise which I wouldnt know how to do.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...