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    • Hi there, Just a query regarding Savvy. I took out a loan with them in October 2019 for £750. This would be repaid over 52 weeks at £28.27 per week. I maintained payments on a regular basis until 20th March 2020 by which time I had paid a total of £565.40 (20 repayments of £28.27. I notified Savvy by live chat that I had been furloughed on 23rd March and would struggle too make repayments. i also emailed them on 27th March with confirmation of my furlough. They asked for Income/expenditure - not unreasonable but the template they asked me to use was shocking to say the least. I then sent them my own version drafted with help from National Debtline. This is a self service budget that I can amend and save as necessary.   Long story short and I am now back in work and my wages are back to normal. However, i am required to move house for personal reasons and the current landlord wanting the house back - well notified so there is no issue there. I have also kept Savvy up to date, especially as my family have suffered mental health issues in the early part of this year. Again i have notified Savvy, filled in a new IE form. This is the response I received.   Thank you for your email.   I have updated the income and expenditure form based on the information you have provided which shows you have a minus disposable income of £66.86, we allow £50.00 emergency cash which leaves a minus disposable income of minus £116.86.   Can you please confirm how you make up the deficit each month?   When the loan was issued in October 2019 an income and expenditure form was completed with you, can you please confirm the reason the following has increased.   Rent/ Mortgage has increased by £1,162.00   Housekeeping has increased by £580.00   Household Bills has increased by £507.40   Car/ Travel has increased by £123.80   Social has increased by £150.00.   Due to the changes to your financial circumstances we would need to see a 90 day copy of your bank statement.   Please find below a link to a system we use calls open banking, please click on the link and log in your online banking details this will automatically generate a 90 day bank statement.   LINK REMOVED.   I have placed your account on hold until the 12th August to allow time for the bank statement to be sent in.   They have now issued a default notice.   Any advice would be greatly appreciated before I initiate a complaint against Savvy. I have maintained reduced monthly payments in line with what I can afford. Is it reasonable for Savvy to ask for access to my bank statements. They did not ask for them when I took out their loan.  
    • Click on the SAR link. They will send you everything, that they have on you, screen shot's , emails, etc.  You will be looking for, and will easily find the date that a default notice was sent out, and sold to Cabot. If the default date is before your last payment date then it will be statute barred in 3 months.   Providing the DCA has your current address I really don't think you have anything to worry about. 
    • Is it possible to see my defaults from over 5 years ago anywhere. Not showing on my credit file. I downloaded the whole thing from experian. 
    • Do I just try to say I haven't received there correspondence and ask them to send it recorded delivery and hang it out until 2021?
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Peterbard

British bill of rights plan to be unveiled ‘this autumn (fromLSG)

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http://www.lawgazette.co.uk/law/british-bill-of-rights-plan-to-be-unveiled-this-autumn/5050869.article?utm_source=dispatch&utm_medium=email&utm_campaign=GAZ080915

 

"The Ministry of Justice today confirmed that it will ‘bring forward’ proposals for a British bill of rights, to replace the Human Rights Act, this autumn."


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maybe a bad move for those that dont like the HRA, depending on its content/status. :)

 

the ECtHR allows already for the so called 'margin of appreciation'. if a domestic highest courts' decision is foul of the ECtHR, then thats that. so far as they are subject to it.

 

there is also the ICCPR.

 

:)


IMO

:-):rant:

 

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\yes you can bet your life there will be a bucketful of unintended consequences if and when this is enacted.

 

Did you also notice that the magistrates courts costs/fees are about to be reviewed.


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to me, the courts have long had regard to the ECHR under common law. the HRA just being a clearer restatement (as required by eu membership), nothing new. the requirements of proportionality, rights incursion, etc being the same. the prob was sometimes the courts interpretation seemingly being unbalanced in favour of the ECHR. whereas if they had regard to their own system which gives them the 'margin'. not forgetting also that some of the 'topical' decisions are made by the ECtHR, regardless of the HRA. and, unlike decisions by the ECJ, ECtHR decisions are not as binding. i think we are still in breach of the right to privacy as there is no effective domestic remedy?

a bill of rights might actually have more HR weight.

:)


IMO

:-):rant:

 

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Waste of time as it would make little difference. The ECHR would still exist and some cases would still get there.


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