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    • 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..      
    • I have amended the pdf documents  02-20-2020-10_36.24(1).pdf
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silverfox1961

Lynda Phillips - AKA Babybear39 Babybear3333

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I have only just discovered that Babybear3333, also known as Lynda Phillips has passed away. Lynda was also known as Babybear39.

 

This came to my attention through a Facebook feed. I never met Lynda but spoke her on many occasions after her serious illness led to her being permanently disabled.

 

I do know she logged on every now and then and she last posted in October 2014.

 

I for one will miss her.

 

R.I.P Lynda


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:(

 

RIP Lynda

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Oh no !! I am sorry to hear this. Always a concern when someone suddenly stops posting and because of the anonymous nature of CAG we very rarely know why.


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Oh dear, so sorry to hear this had many an online conversation with Babybear or Lynda. I do know that she had many health issues and was quite ill the last time i spoke to her.

 

My thoughts and prayers to all her friends and family.

 

RIP Lynda

 

Monx x


Advice given is my opinion only, I am not a legal or financial expert (far from it).

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Apparently, Lynda died suddenly on Sunday morning,

I too found out today thanks to Facebook. Lynda, one

of my many CAG Facebook friends was a colourful

character, and her description of her activities was,

Freelance journalist, writer, poet, public speaker,

photographer, film/video maker, artist, musician.

Peaceful political, human rights and social activist with

various groups, charities and sometimes mainstream

media if it serves to fight for others... · 1984 to present ·

God Bless you Lynda, taken too soon, like others we love

and miss, but your pain and suffering is now over. R.I.P.

 

"DMD" - Dave Buckley. xX :pray2: :pray2: :pray2:


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DMD, I know you frequent CAGs FB page. Have you updated them?


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

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I'll go take a look Silver.. DONE.

Edited by diskmandave
Update THread.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

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Thanks. I just got the email notification.


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

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Sorry to hear the news about Lynda ,Babybear39 as I knew her.

 

RIP BB


 
 

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RIP, Babybear, we shall miss you.

 

HB xx


Illegitimi non carborundum

 

 

 

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Joined CAG in 2007...11K posts.... last activity 17th Dec 2014...will be sadly missed


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So sorry to hear this. She was much too young to be taken. I met her at a couple of cag meets and I know she found life very hard after her illness.

 

RIP BB x


 

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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

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:p

 

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Heartbreaking to learn of Lynda passing away. I'm taking a quiet moment to remember my time with Lynda at the CAG meets, lotsa laughing and memorable. On one occasion we sang Hotel California together. I will say aurevoir BB you will be missed. X

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Very memorable Termi! :lol:


 

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Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Very memorable Termi! :lol:

 

BB is still here making us giggle, you've reminded me of the canal caper. She brushed herself down and carried on with the evening:-D

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She once told me off somewhat for being anti-social and not making the effort to get to a CAG meet in the Midlands!!

 

:lol:


If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

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BB is still here making us giggle, you've reminded me of the canal caper. She brushed herself down and carried on with the evening:-D

 

Oh yes. I'd forgotten about that. She very nearly made a splash! :lol:


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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The canal caper.....?! The mind boggles! :-)


If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

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She once told me off somewhat for being anti-social and not making the effort to get to a CAG meet in the Midlands!!

 

:lol:

That would have been Birmingham Dave. I remember her saying she tried to persuade you. You'd have had a laugh I can tell you!!


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Oh yes. I'd forgotten about that. She very nearly made a splash! :lol:

 

Why does that night also remind me of the song 'Knock three times on the ceiling...........' :lol:

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Why does that night also remind me of the song 'Knock three times on the ceiling...........' :lol:

 

Can't imagine! lol

 

Hard to believe she's gone. :(


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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So sorry to hear this. Babybear will be sadly missed on CAG


:cool::cool: Blondmusic :cool::cool:

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Sorry to hear this news. She was a character,sometimes a pain in the butt for the site team but she was determined in the many things that she pursued. R.I.P Babybear.


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Very tenacious lady and a character as uk notes...... something we should all be welcoming of

 

Did not know her personally but nonetheless it is always sad to see one of Cags characters go off into the night

 

Does anyone on the site know if she had a chosen charity we could give to or perhaps a small showing of condolence to her family by way of flowers?

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As I only recently joined I doubt I spoke with BB but my thoughts and prayers go out to her and her family, God bless xx


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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