Jump to content


  • Tweets

  • Posts

    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Nationwide Building Society has launched an 18 month fixed-rate account paying 5.5%.View the full article
  • 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

F&F Settlement Help


Saint2K
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3428 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 guys,

 

This may sound like a silly question, but, I have come into a small amount of money, and wish to pay off some of my smaller outstanding debt balances, £120 here, £210 there etc.

 

Having several creditors, and therefore several DCA representing them, I would prefer to make payment direct to the original creditor as opposed to the DCA.

 

Does anyone have any idea of the best way of doing this? I don't want to phone them, and then make payment over the phone.

 

I'd prefer to do this in writing. So could I just write to the original creditor and say, I want to settle the debt, provide me with a giro slip? :/

 

Or should I go about this differently? I want to make sure the debt is firmly settled, and that my credit file is marked as satisfied etc.

 

Appreciate your thoughts! :)

Link to post
Share on other sites

HI,

If any of the debts have been sold to a DCA then you will have to deal with them. If the DCA are collecting on behalf of the original creditor then that is another matter and you can go to the OC although they may direct you to the DCA.

 

Have you thought about doing a Full and Final settlement?

 

By doing so you can offer a lesser amount than the full debt and see if they will accept this. A lot of DCA's will.

The conditions of this in your case would be that they accept the payment as F&F and that they will not sell on any remaing balance.

That they mark your credit file as "fully satisfied" or if it is near the 6 year mark, to remove it entirely.

 

You must get this in writing otherwise they will renege and flog the remainder on.

 

Stating the obvious but make sure you send all letters RD

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Hi Silver,

 

I have thought doing a F&FS on a few of the debts, but was concerned about potential come back from the creditor.

 

I've posted a question on this F&FS thread here.

 

I might rejig the F&FS template letter to suit my needs and post back up on here for feedback.

 

There are some minor amounts I just wish to pay, without F&FS. Do you think it is safe to simply pay using the giro slip attached to the DCA letter?

 

I assume if I pay the o/s shown on the letter via giro, then the debt is cleared?

 

Thanks!

Link to post
Share on other sites

Doing an F&F is a perfectly legitimate way of settling debts. All the creditor can do is say no but will more likely negotiate. Have a low and high figure in mind when you start the negotiations. Okay, it will take a little longer but so long as you keep the money separate and don't spend it, you should be ok

Using a third party is a good way to go (even if it is your partner)

 

With the minor amounts then yes you can pay with the giro slip but make sure you get a receipt. If you do it at the original creditors bank (which should show on the giro slip) that is good too as it is credited directly

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Hi Silver,

 

Thanks for the reply.

 

Can you pay a GIRO at the receiving bank, even if you're not a customer?

 

I was thinking it might be better to write to the DCA/Creditor, attach a cheque, and clearly indicate that I am wanting to clear the outstanding balance, ensuring the creditor/DCA is under no illusion that I want the debt marked as settled on my credit file.

Link to post
Share on other sites

When I was paying Lowells (I know, stooopid !!!) I paid using the giro slip at the bottom of their letters or picked one up in branch.

So long as the slip has their sort code, account number and your reference on it, it should be ok.

 

If you use the giro slip on the letter, hand the whole letter over and the counter staff will stamp the letter and give you the letter back. This is your receipt. Keep it safe.

 

PS, Yes you can use their bank if you are not a customer

Edited by silverfox1961
added a bit

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Just thinking about this a little more..... is there actually any harm in paying the DCA if they are representing the OC?

 

Surely the DCA will just credit this to the OC, then close their files?

 

Or am I being completely naive? :)

Link to post
Share on other sites

If the DCA are collecting on behalf of the OC then it is ok to pay them. They will then take their cut from it before passing on the rest to the OC.

 

Just a thought though. Before you send anyone anything, it would be good to get them to say, in writing, that they will put "satisfied" on your credit file before you part with a penny

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

  • 4 months later...

What sort of account are you talking about ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

A short settlement to the best of my knowledge would show on your CRA

 

Say you owed £1000 and you paid £500 in short settlement, it would clear the debt but on your CRA it would show settled, but with a short settlement marker, as you didn't pay the full £1000 ie Owed £1000 paid £500 - settled

 

A full and final settlement would show on the CRA that you have paid the full £1000 even though you didn't actually and no marker. ie Owed £1000 paid £1000 - settled

 

Or in other words you met your responsibilities in full, and didn't get a discount etc

 

If I have understood it properly. But I maybe wrong.

Link to post
Share on other sites

Please BE AWARE to keep there all the corresponding regading as they wake up later again asking the same account. It happend to me by barclay as I setteled their account after a 1yrs Wseton wrote me and damand the remaider of the account.

Its God's gift Please Save The Earth.

 

If you had ever been helped by this site and satisfied than by Donating This site is just simply helping others too, who are really in need. Please make a donation.

....................................................

Helping someone in need is God,s blessing

Link to post
Share on other sites

Please BE AWARE to keep there all the corresponding regading as they wake up later again asking the same account. It happend to me by barclay as I setteled their account after a 1yrs Wseton wrote me and damand the remaider of the account.

Its God's gift Please Save The Earth.

 

If you had ever been helped by this site and satisfied than by Donating This site is just simply helping others too, who are really in need. Please make a donation.

....................................................

Helping someone in need is God,s blessing

Link to post
Share on other sites

  • 4 years later...

Hello.

 

I have four outstanding defaulted debts

 

 

(2x Credit Card, 1x Loan and 1x Bank Overdraft)

which I have been repaying on a self managed debt management plan since 2006.

 

The remaining balance is around £25K though originally was about £40K.

 

The defaulted accounts have all dropped off my credit file and

my credit history is now fairly decent though I continue to repay these debts at a pro-rata rate every month.

 

I have been through the mill over the years with the various creditors and debt management agencies.

 

 

I have reclaimed PPI,

 

 

sent CCA requests and Subject Access Requests and exhausted most avenues.

 

I do owe all these debts and intend to repay what I owe.

 

However,

I now wish to get a mortgage and

 

 

a family member has said they will help me clear the remaining debts,

so that there is nothing outstanding.

 

I therefore wish to go down the route of F&F and would like a little advice before I do so.

 

Firstly, what % in the pound should I be looking at offering?

 

One creditor (Egg/Apex) already made a previous offer of 31% around twelve months prior.

My thoughts are to aim for around 15% to 20%?

 

Also, I've seen some threads on here that suggest the wording of the F&F letter be water tight

to ensure if accepted that the debt is truly regarded as being settled.

 

I notice the template F&F letter on the site is fairly basic,

does anyone have any recommendations on the content of the letter?

 

Is it important to emphasize that it will be a family member making the payment?

 

Appreciate your help.

Link to post
Share on other sites

so the CCA were deemed enforceable

 

 

I cant believe that people are offering discounts if all is ok with those debts

 

 

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

so the CCA were deemed enforceable

 

 

I cant believe that people are offering discounts if all is ok with those debts

 

 

dx

 

It's been a long time since I reviewed the standing and legality of the CCA

 

 

however the issue is that these debts exist irrespective of whether they are enforceable in court.

 

A mortgage lender won't want to accept the risk of providing me with finance

and I can't exactly sit there and say

"Oh, a percentage may not be enforceable, but I'm not sure and it may take a court case to prove that either way."

 

Having these debts, which I continue to repay each month, will likely, from the research I have undertaken,

impact my ability to secure a mortgage.

 

 

I guess there is also the concern that I would now own an asset which might be quite appealing for the creditors

to then take action to secure against my new property.

 

Even if two out of the four creditors cannot provide, what would be deemed, at least from advice on here, an enforceable CCA,

I'm not sure it's worth the hassle or risk to try and secure a mortgage on that basis.

 

The only way I will get a clean break that I can see is by settling the debts with low F&F offers

and to be honest it is the "right" thing to do considering I do owe the money,

albeit I have been through the mill with these creditors and debt management companies.

Link to post
Share on other sites

rubbish if they are not on your cra file

 

 

you don't tell the mortgage company.

 

 

just done some serious work on merging your +80 threads down to a manageable level

merging those on the same debts together.

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

rubbish if they are not on your cra file

 

 

you don't tell the mortgage company.

 

 

just done some serious work on merging you +80 threads down to a manageable level

merging those on the same debts together.

 

They may no longer be on my CRA but the monthly payments are clearly shown on my bank statement to which I will need to explain to any mortgage lender.

 

I also do not want to lie to a mortgage lender as I assume this would be seen as fraud.

 

I cannot ignore the fact there are outstanding debts and I know at least one of the four has an enforceable CCA it also happens to be the largest debt at around £14K.

 

It has since been sold off to Apex which is why I assume they swooped in with a 30% offer of F&F as they no doubt bought the debt of Egg for far less.

 

If I decide to proceed down the route of F&F. I know that two of the creditors are the "legal" owners of the debt as I have letters from the original creditors confirming this fact. So I will make my offers directly to them.

 

The other two debts are being managed by DCA. Would I approach the original creditor or legal owner of the debt and bypass the DCA or would the DCA have authority to act in this matter?

 

Thanks. Those threads are likely to be over four years old as I rarely post on CAG since I've not had any call for advice or support up until now.

Link to post
Share on other sites

I'd restart the CCA process again to everyone you pay

barring bank accounts.

 

 

I admire your stance

 

 

if someone is offering a discount 9/10 theres something wrong with the debt .

 

 

go find it.

 

 

don't take what is being said as criticism, the idea behind cag is to question everything........

 

 

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'd restart the CCA process again to everyone you pay

barring bank accounts.

 

 

I admire your stance

 

 

if someone is offering a discount 9/10 theres something wrong with the debt .

 

 

go find it.

 

 

don't take what is being said as criticism, the idea behind cag is to question everything........

 

 

dx

 

Thanks, I appreciate the advice and I agree,

 

 

I could probably fight some of the outstanding debt and win,

but I think I'd prefer a clean slate,

if they are willing to accept the lower F&F amounts then I look at this as being a 'draw'.

 

Securing a mortgage and having to worry about all the other associated costs is a hassle in itself

on top of then having to fight, challenge and deal with creditors etc.

 

I'll look into the CCA requests. Am I correct in my thoughts around who I should approach when offering F&F?

 

Also, if I draft a letter, it would be great to get feedback on it if I post it up on the thread.

 

 

I seem to recall that as as family member is willing to settle the debt,

that this makes the F&F that more legally binding, is that correct?

Link to post
Share on other sites

its not quite assimple as offering a settlement and hoping its done.

 

 

whos to say you pay has the authority to state its dead and the remainder can never be chased.

 

 

if the debt is still with the OC then you might have a chance

 

 

if its with a DCA/debt buyer theres no stopping them selling the remainder on and continuing what sadly I suspect

is an on boing cash cowing exercise on many fronts to sadly keep the statute barring date being reset.

 

 

the last point to remember is you'll stil have to run the gauntlet of the mortgage provider

and their acceptance that the debt 'is' really dead..............

 

 

eitherway you'll get ripped of and referred to sub prime lenders.

 

 

hence the comment about if its not on your CRA file...you keep quiet.

 

 

my neighbour did this

and has now wiped off 74% of the debt he was sweating about that he had

he just kept quiet and didn't tell the mortgage provide

and deal with each one after the deal was signed.

 

 

he though he owed £27k

 

 

turned out after all the CCA requests/reclaiming it was actually less than £4k.

 

 

your call.

 

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...