Jump to content



  • Tweets

  • Posts

    • Hi Ade,   Stop speaking to them by phone and keep contact in writing only, which you've said you prefer.   Send TT a SAR by post immediately. The data you get back should enable you to see what they think you owe, and how it's made up.   Also write to BW Legal confirming you dispute the alleged debt owed to TT and have written to TT seeking data, so BWL must stop demands until TT have replied to the SAR you've sent them.
    • Please do although obviously I don’t know the facts from your side but at least I can tell you how much of a cut and paste job it is.
    • Please check back for a full reply tomorrow. However, it would help if you would introduce pergo spaces into a story full stop it's very long and especially for people with small screens it's very difficult to follow when it is so compacted.   I think this straight has become rather confused because of the third party account which we received at the outset. I think it will probably be helpful if you could repost your story but on a new thread and more openly spaced please.   Then we can start to have a closer look at it. However, as I've already suggested, I think there are two issues. The question of your liability in the accident and the problem of how you have been persuaded to take a rental car at such a high rate.    I would suggest that you hold off telephoneing anyone until we have had a closer look.before you do anything on the telephone. You have obviously had some very important conversations but you don't have any evidence of them. Although the other side may say that they have recorded them, you you may find it difficult to get hold of those recordings if in fact those recordings incriminate them in any way. for instance if they have promised you that you don't have to pay anything for the hire car, that would be an extremely useful conversation to have but you may find that it is difficult to get hold of.   please start a new thread it will be much easier to continue from there                                
    • When I sadly lost my job a while back, i reportd it immpediately to DWP as you are supposed to, but didnt realise at the time that the day I reported to them was the day before I was paid out for the last month. I was actually paid extra whem I left as it was cheaper than redundancy fort the business and at the time it was a good financial move (so I thought).   I was paid on Fri 26th Jan, they paid me out 2 months in one go. I reported to DWP on the 22nd of Han that I was made unemployed, had the letters and evidence. As they spun the story, because of their assesment dates and that, my first payment was on the 1st May and reassured that it works the other way around. That when work starts again, if I dont actually receive money from the company during the assesment period, there wont be an issue as it balances up.   Can I believe this or was it another spun story? I'm concerned that as I'll be paid monthly, (Starting on the 15th paid on the last day of the month), assment ends on the 22nd. Tha they'll take that money into consideration.   I'm just concerned due to the disparity it would cause between 4 odd months I endured with zero income because of how their system works and whatever they ahe in place to counter at this end of the claim.   Anywa, it's just awonder.   Cheers,   Ade    
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies
  • Recommended Topics

Secured Picture Loan who sold it to Webb who sold to Idem - Repossesion hearing


Please note that this topic has not had any new posts for the last 1744 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

So 10 months of missed payments is £3,400 ? and the remainder of the £10,000 they are claiming is charges ? Do you have an up to date mortgage statement showing these charges ?

 

We can help you to submit a defence to the court

 

I know some of the charges are very spurious like 2 for the same day and one for a visit which we never had but still Idem charged for

Link to post
Share on other sites
  • Replies 117
  • Created
  • Last Reply

Top Posters In This Topic

OK, when you get the statement we can get to work on the court papers

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites

Just been checking my laptop and do have PDF's with all a breakdown of all payments and charges .

 

 

Also apologies I miscalculated and this loan was bought by Idem Jan 2014

so missed payments will be going back till then.

 

 

You can see by the PDF's I post up

Link to post
Share on other sites
  • 3 weeks later...

here are the latest statement from Idem

 

goes back to when Picture had it back in 2007.

 

I can see at the end they have reimbursed some charges and the supposed visit which never took place but FOS was involved then.

 

I had a call from them to say they were not opting for repossession

but wanted a fixed payment schedule in place.

 

They have not responded to my offer of payment which I sent in writing beginning of Feb.

 

how can I offer a repayment if I dispute the interest/charges and would ask a judge to hold all interest for the term of the loan ?

 

Sorry missed off page 1 & 2

 

Please let me know if you are unable to view these attachments

statements.pdf

Edited by dx100uk
docs merged to one file + page 1 redacted properly
Link to post
Share on other sites

if you can click on them and see them

we can

however

as advised

i'll put them all in one document for ease

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

Hi, a judge will not be able to tell Idem to hold the interest for the term of the loan

as they cannot change the terms and conditions of your loan agreement,

 

 

they can only decide whether you can afford to pay the monthly payment and something towards the arrears each month.

 

 

In your statement for court you can state that they have taken their charges from the monthly payments you have made, thus keeping you in arrears.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites
Hi, a judge will not be able to tell Idem to hold the interest for the term of the loan

as they cannot change the terms and conditions of your loan agreement,

 

they can only decide whether you can afford to pay the monthly payment and something towards the arrears each month.

 

In your statement for court you can state that they have taken their charges from the monthly payments you have made, thus keeping you in arrears.

 

Hi Ell-enn.

Thanks for that at least if gives me something to come back with.

 

 

Can you help me draft a statement.

 

In the meantime is it worth sending another letter with payment proposals to see if Idem will accept ?

 

 

I wanted to argue to the judge that the arrears were excessive

 

 

and I had asked Idem to hold interest while I tried to catch up !

Link to post
Share on other sites

OK, I am at work at the moment but will take a look as soon as I can. Did you send them a letter offering payment ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites
OK, I am at work at the moment but will take a look as soon as I can. Did you send them a letter offering payment ?

 

Yes I offered contractual plus £50

Link to post
Share on other sites

Do you have a copy of the letter ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites
Do you have a copy of the letter ?

 

Yes I do and it was posted on the 4th Feb but received no reply. I have a second letter ready to go with proposal for payment plus the arrears I have added that they have not responded to the first letter.

Link to post
Share on other sites

Hi, can you post up what you have put in the letter please.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites
Hi, can you post up what you have put in the letter please.

 

Dear Sir/Madam.

Please find this letter in relation to your letters dated 25th January in which you state that you welcome the opportunity to discuss any problems in an effort to resolve this in another way.

I welcome this approach and am now in a better financial position to be able to offer paying the amount of £340 each month plus £40 towards he arrears but ask the following to be able to reduce the balance and pay off the loan within a shorter timescale :

All interest to be frozen or held for the length of the loan

Removal or reduction of current arrears to bring the loan back to original balance.

Please let me know if this is acceptable as I wish to start this procedure with immediate effect and avoid unnecessary court visit with court costs

Link to post
Share on other sites
Hi, can you post up what you have put in the letter please.

 

My second letter is referring to this offer and no response received which I will show to the court

Link to post
Share on other sites

OK, but you should be aware they will not remove the arrears as they are missed contractual payments, the best you can ask for is that they accept payments towards the arrears in addition to your normal monthly payment. I can draft you a letter if you wish.

 

However, remembering that the court hearing is on 7th March the likelihood of them getting the letter and responding before the hearing is pretty slim. I think you should get the statement done and handed in to the court this week, then if they do respond to the letter in time you can take a copy along to the hearing.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites
OK, but you should be aware they will not remove the arrears as they are missed contractual payments, the best you can ask for is that they accept payments towards the arrears in addition to your normal monthly payment. I can draft you a letter if you wish.

 

However, remembering that the court hearing is on 7th March the likelihood of them getting the letter and responding before the hearing is pretty slim. I think you should get the statement done and handed in to the court this week, then if they do respond to the letter in time you can take a copy along to the hearing.

 

Hi Ell-enn a draft letter would be fantastic and if you could assist with the statement that would be appreciated.

 

Thanks

JJ

Link to post
Share on other sites

OK, will post up a letter shortly. In the meantime can you please complete the affixed budget sheet (it calculates as you fill it in), let me know when you have done it. You need to send the letter and budget sheet by special delivery tomorrow (signed for) so they get it on Thursday.

 

I should have some time in the morning to draft a statement for the court - will you be able to hand deliver it tomorrow or Thursday latest ?

 

Is the mortgage only in your name?

Budget Sheet.xls

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites
OK, will post up a letter shortly. In the meantime can you please complete the affixed budget sheet (it calculates as you fill it in), let me know when you have done it. You need to send the letter and budget sheet by special delivery tomorrow (signed for) so they get it on Thursday.

 

I should have some time in the morning to draft a statement for the court - will you be able to hand deliver it tomorrow or Thursday latest ?

 

Is the mortgage only in your name?

 

Hi Ell-enn . I can have the budget sheet completed tomorrow . Yes not a problem to hand in draft statement tomorrow

Thanks

JJ

Link to post
Share on other sites

Is the mortgage in your name only, or joint names ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites
Is the mortgage in your name only, or joint names ?

 

Its in joint names but my wife and I are separated and we no longer reside toghether

Link to post
Share on other sites

OK, affixed is the letter you need to send today - when you print it out make sure the printer is set for A4 paper(not letter size) ensure the text all stays on one page - send it by special delivery 1pm tomorrow (around £5, I think). A few days after posting check on the royalmail website to print off the proof of delivery - keep that safe with a copy of the letter and budget sheet.

 

Have you done the budget sheet ? I'm happy to look it over if you need me to.

JJ69 letter.doc

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites

JJ are you still on line ??

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites
JJ are you still on line ??

 

Sorry Ell-enn been on some remote sites today with no network access. I have done the I&E so happy with that and many thanks for the letter it will be posted in the next hour

Link to post
Share on other sites

How much did you show as being left over in Step 5 on the budget sheet ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...