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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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Lindy Lou

Notice of Directions Hearing - Please Help!

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Ok, I am trying not to panic here and hoping that I've missed something but I recieved this letter this morning:

 

Notice of Directions Hearing

 

Take Notice that the Directions Hearing will take place on 27th February 2007 at 12.00pm at Cambridge County Court, blah blah...

 

When you should attend

 

30 minutes has been allowed for the Directions Hearing

 

Please note: This case may be released to another judge, possibly at a different court.

 

I am assuming that this means I have to go to court? I suspect that NatWest won't want to and will give up at some point, but probably not for a while. Has anyone else had this through? Am I panicking unnecessarily?

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I wouldn't get too worked up over it. I'm at the same stage as you, I got the same from my local court last week (my case is being heard on the 13th December). The only surprising thing is that you're having to wait that long, but obviously your court is being swamped. It's highly likely that they will wait until the last possible moment before coughing up just to annoy you. The plus side of this is that the longer they hold out, the more interest you're earning on the charges!

 

I had an off the record chat with someone at my local court when I was making an enquiry, and they were hoping someone would go to court so that our win would go on the record books and the banks wouldn't keep doing all this stalling (they are getting really fed up preparing all these cases for nothing).

 

You can check my thread just after the 13th when mine is resolved - Roger Spencer vs NatWest Bank (not sure how to do it as a link!)

 

Keep smiling:-)

 

Roger

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Thanks so much for your reply - its just that I hadn't seen anyone else on here that had had that letter! There's only so much reading you can do at work I guess without getting into trouble. It's annoying that it's so long until the court date, I suppose that means Christmas is not going to be as merry as I'd hoped. Oh well. At least I can forget about all this for a couple of months.

 

Best of luck on 13th, I'll keep my fingers crossed for you! x

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Check your other thread Lindy Lou.


for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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I have! Thank you for your help. I shouldn't have been naughty and started another thread but I really panicked! This wasn't what I'd expected, but I guess I haven't been reading enough threads for the last couple of weeks.

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