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    • Theres the Bloomberg report, Standard and Poors analysis, The bank of Englands Report .. not one of which estimates the cost at less than the 180-250M a week it roughly costs depending on whats included. The higher realistic end is just short of 900M a week from the bank of England. The 250m a week estimates come from the ERG's estimates before they shut up when those estimates were trounced.   That Bloomberg amount is pretty middle of the road, and is roughly what I've been seeing as only disputable by zealots - it could be FAR more.     So putting that in perspective, if there is no further damage to the economy, and no further loss/reduction in business/growth, and adding in a small amount of interest on that loss (money has to come from somewhere and we are already further in debt than we have ever been) - it will be in the order of 50 odd years before we even break even .....   Of course, Rees-Moggs entirely unsupported middle finger in the air estimates of about 2050 when we will see some benefits would effectively require a MASSIVE boost to the UK;s 'profitability' - although no-one seems to be able to define any sources for that profitability other than perhaps connecting the climate destroying hot air coming out of Rees-Moggs gob directly to a wind and steam power station.      
    • Do you have any images of the WMF items? If you do then you could post them on this site.
    • yes I did that, not much auction only stuff but I will check from time to time
    • By the way, do you realise that you can put in an eBay search and localise it within X miles of a certain postcode. This should cut down the problem of having to search hundreds of advertisements every day. At the moment, a search for WMF cutlery within 50 miles of the postcode only produces six hits. Very manageable
    • In order for us to help you we require the following information:- [if there are more than one defendant listed -    Name of claimant: JC International Acquisition    Date of issue – 17 January 2020     Particulars of Claim   What is the claim for – the reason they have issued the claim? the claimants claim is for the sum of 125.00 been monies due from the defendant to the claimant under a non regulated telecommunications agreement originally between the defendant and Talk Talk telecom limited under account reference xxxxx. The rights benefits and title the agreement have been assigned to the claimant on 03/04/2014. Notice of the above mentioned assignment has been given to the defendant    What is the total value of the claim? 268.39   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Not too sure   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? No (broadband)   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...) ? NO   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. Assigned to debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? can't remember   Did you receive a Default Notice from the original creditor? Can't remember    Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? unsure   Why did you cease payments? unsure   What was the date of your last payment? unsure   Was there a dispute with the original creditor that remains unresolved? Not that I'm aware of   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
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Hi would appreciatte some help with my imminant repossession hearing.

Background is have mortgage with G.E Money monthly payment £265 current arrears £440 but monthly payment due on tomorrow so will be £685. had default letter two weeks ago saying account balance of £740 must be cleared by 28/03/15 i managed to pay £300 last week. Reason for arrears is wife is sick and has been for over 2 years..I antisipate court date within next fortnight but hopefully i will go to court with account up to date and it will be thrown out (this has happened before) But this time i would like to counter claim G.E about all of the late payment charges applied to my account £40 monthly plus interest which over the years in total are £3000. of which through my increased monthly payments my statement shows i have paid £1000 towards these. so my first question is will i nbe able to challenge these at the repossession hearing and also will there be any help available in filling out my defense..any help will be appreciatted.

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Can you manage tomorrow's payment and anything off the arrears?

 

Is there already a suspended possession order?

 

I somehow doubt they'd get possession for that amount especially if you can pay it off by instalments but you should claim the charges regardless.


 

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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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No i will miss tomorrows payment but will pay £300 on the seventh,this has not gone to court yet but default date was 14/03/15 and account had to be clear by the 28/03/15. as i say if hearing was around about a fortnights time i am hoping to clear it by the court date but then hit G.Es reprasentative with the amount of charges on the court date and see the judge with the account clear but bring the charges up when there solicitor is in front of the judge

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If you want to put in a counterclaim you'll need to do that with the fee before the court date. You should also write to GE with your proposal before the court date so that you can prove to the judge you have tried to resolve it but GE have unreasonably refused (assuming that is the case). In your letter inform GE that if they insist on going ahead you will ask the judge to make them bear their own legal costs and pay you for your own costs.


 

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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It would take more than 2 weeks for a court date to be arranged. If you can pay in the next few weeks you should be ok. You should write to them (by recorded delivery) advising when you will be bringing the account up to date and hopefully they will not pursue to court.

 

If you need help with a letter just ask and I will draft one for you.

 

You can then send them our template letter for claiming back arrears charges.


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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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