Jump to content


  • Tweets

  • Posts

    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
  • 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

Walked Away from all my debts.


sirbob10
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3436 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

 

I know I've done the wrong thing in moving home and not informing any of my creditors but I was just so ill and stressed.

 

my husband and I lived in our home which was mortgaged with our 3 daughters.

I work but my husband is on benefits (ESA SG, DLA MRC and LRM)

 

We had a secured loan and charging order but due to my husbands illness and lack of money we decided to give up our home and rent.

 

Our home was repossessed and we have moved but not informed any of the creditors.

 

do I just wait for them to find me?

Or do I contact them all to tell them my new address. I'm scared they will write to my employer and get an attachment of earnings.

 

We are finally starting to feel happy again and are children are settling nicely but I'm worried this is all short lived.

 

Can anyone offer me any advice on how to proceed.

 

Many Thanks

Link to post
Share on other sites

Hi there

Sorry to hear about what has happened.

 

First of all, we need to know the following information on your creditors. People here may be able to offer advice on how to tackle various ones. Your best bet may be to start tackling a few of them at a time head on. People here can help do that.

 

First stage is always information.

 

Apply for the £2 statutory credit reports form all three of the Credit Reference Agencies. (This is important to see if any CCJs were awarded in judgement due to paperwork going to old address) It will also help see what the picture looks like.

 

Second, Once we have a list of current owners of the debt and work out where they came from there is the CCA routes and Subject Access Requests looking for penalty charges (Credit cards and things) or PPI which are reclaimable WITH INTEREST. IN some cases esp with credit cards these can wipe the balance.

 

 

Orignal Owner of the DEBT

Curent Owner of the debt (If known)

Is there a CCJ on the debt

Type of debt (Overdraft, credit card, loan, phone, catalogue)

Rough amount.

Rough Date of the agreement.

As you home has been reprocessed im assuming that all debts remaining are unsecured.

 

Time to stop waiting for the "axe to fall" and instead take back control :)

 

Also no phonecall discussions with any creditor. ALL IN WRITING even if they try and trick you into talking over the phone.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Link to post
Share on other sites

I'm afraid that it probably is fairly short-lived. They will find you.

 

Best thing to do would be to go bankrupt. The you don't need to hide anymore and after a year or two, you can start out again from zero

Link to post
Share on other sites

By the way, if you apply for statutory credit reports, you will have to give your new contact details and although they are acting unlawfully because they would be doing it without your permission, this new data will be added to the database and your creditors will be after you again before you can say a very short word

Link to post
Share on other sites

If you want to check for CCJ's without your new details being registered with the credit reference agencies, you can use the Trustonline site. But they do charge per search.

 

http://www.trustonline.org.uk/

 

If there was a debt left behind related to the mortgage, this can be subject to court enforcement for a period of up to 12 years. As Bankfodder suggests going down the bankruptcy route might be a way to deal with all the debts over a relevant period and not be living in fear all the time for many years to come.

 

If you phone National Debtline they can advise you on the way forward.

 

https://www.nationaldebtline.org/EW/Pages/default.aspx

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Hi

 

Many thanks for the advice. Our home was only repossessed in Sept 2014 and is currently up for sale.

 

 

The mortgage company is aware of our new address but the others aren't.

 

We were with Payplan so my plan was to contact them and they have a list of all our creditors as I couldn't list them all off hand.

Our secured loan is with Picture and the charging order was from Natwest (Irwin Mitchell deal with this)

 

We do plan on going bankrupt but the only thing is our car.

 

 

The finance is in my dads name and I know if we went bankrupt they'd take the car leaving my dad paying for this.

I'd rather die than do this to my dad, not because I fear him but I'd couldn't deal with disappointing him.

 

I'll contact Payplan and see what they advise is best.

Link to post
Share on other sites

Hi

 

Many thanks for the advice. Our home was only repossessed in Sept 2014 and is currently up for sale. The mortgage company is aware of our new address but the others aren't.

 

We were with Payplan so my plan was to contact them and they have a list of all our creditors as I couldn't list them all off hand. Our secured loan is with Picture and the charging order was from Natwest (Irwin Mitchell deal with this)

 

We do plan on going bankrupt but the only thing is our car. The finance is in my dads name and I know if we went bankrupt they'd take the car leaving my dad paying for this. I'd rather die than do this to my dad, not because I fear him but I'd couldn't deal with disappointing him.

 

I'll contact Payplan and see what they advise is best.

 

If the car is your Dads and he has the finance for it, I don't think they could take it. It is only your property, which the court appointed officials want to seize to sell to pay towards the debt. Plus it is a financed car and if the finance is registered against the car, it is the property of the loan company, so could not be taken.

 

You need to continue to gather information and work out a way forward. When the house is sold and the amount of debt is worked out, then that is probably the best time to take forward any bankruptcy.

 

With Payplan, if you are still paying via them, then ask them for an up to date statement of payments being made to creditors. Payplan are a company and not a debt charity. You should check whether all of your payments would go towards the debts, as Payplan may be taking a fee. If you moved to Stepchange debt registered charity, all of the payments you make go towards your debts.

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Please do not let any of the DMPs bully you into an IVA - you want to go Bankrupt - this gives you a fresh start after the BR period. IVA drags on for years and almost always we have people come to us advising that the IVA has failed and they still have problems.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

is the car finance hp/conditional sale in fathers name

 

if so car belongs to hp co till final payment,and as paid in his name with proof of agreement

 

it could not be taken

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

no agreement is in fathers name, father is, in effect, hiring the car at the moment,

 

you are merely using with his permission

 

they have no say in his affairs

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

  • 3 weeks later...

Well 1st creditor found me. It's a letter from Arrow regarding a Very account. I'm going to hang on until the rest start to turn up before tackling them head on.

 

I'm hoping that my husbands application for PIP goes through. He's currently on DLA but had to apply for PIP. He gets low rate mobility but we are hoping this is upped so we can apply for a mobility car then my dad can sell the one we pay him for and we can go bankrupt without the threat of loosing the car.

 

Does anyone know what is classed as income when going bankrupt. I work part time and receive CB ESA, DLA, WTC, CTC, Child Benefit and housing benefit

 

Thanks

Link to post
Share on other sites

as regards the car,

 

if you are sucessful with the mobility car

 

and if your father finds there is not enough money to sell and pay off the finance

 

do come back here and consider Voluntary Termination of the agreement under s99cca1974

 

we can help with this

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

you can VT at anytime

 

you would have to make up the shortfall to 50% of the total agreement

 

but this includes the deposit

 

1)add the total of the repayments you have made to the deposit

 

2)look at the total of the agreement

 

and divide by 2

 

take 1 away from 2,

 

that is what you would be liable for

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

I've just looked at the paperwork and we paid £16500 for the car + £500 for service package. Plus the interest we borrowed = £20,038. We've paid £3509 to date. We didn't pay a deposit we just put in our old car and they gave us what was outstanding on the finance for that car.

 

The settlement figure is £15045 and we were offered £13000 as a px on a newer car but we are waiting to see what happens with our PIP claim.

Link to post
Share on other sites

ok, way too short for vt then

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...