Jump to content


  • Tweets

  • Posts

    • and Brexit Britain err EU Greece becomes first European country to ban bottom trawling in marine parks   Greece becomes first European country to ban bottom trawling in marine parks | Fishing | The Guardian WWW.THEGUARDIAN.COM The law will come into force in national parks within two years and in all of the country’s marine protected areas by 2030  
    • Good on them for following the rules. They still haven't proven that I'm the driver though right? I also checked the council's website and there's no planning permission for the signs. No luck with the organ grinder. I think I'll need to take this to court and win to prove my point to the other freeholders.
    • Isas already allow you to earn tax-free interest on up to £20,000 each tax year. But under recent reforms, they are now supposed to be more flexible.View the full article
    • The NTK is pretty good at complying with the Act  as is the Notice to Driver so no help there. I seem to remember OPS getting hammered by a Judge [in brighton I think] so they seem to have tightened po their act since. The organ grinder is the MA and the monkey is OPS.
    • @jk2054 and @BankFodder - Your feedbacks in posts #199 and #202 have been incorporated into the attached WS. As usual, amends are in blue in this draft. Based on other WS drafts I've seen where the issues in dispute are part of the WS, I built my first draft WS in the same format and hadn't seen it to be an issue before. You will notice that the 'witness statement' has been replaced with 'Claimant's Statement' so that issues in dispute does not need to be on a separate page before the WS. This is especially given the work that has gone in to reduce the size of the WS to 8 pages. Also thanks for the suggestions re: confidentiality - I agree with your views and will stand firm on this if a condition of confidentiality is brought up. I have not been approached by Evri on this forum or by email. I haven't yet had success in paying the hearing fee. I am calling the court as often as I can (during work breaks/lunch etc.) and have sent 2 emails to the court requesting a call back. If i don't have any success by the end of this week, I'll send another email chasing for a call back. @BankFodder - Also attached is an invoice from Packlink which shows that I was charged by Packlink for these services: "drop-off at EVRi - Next day delivery" and "Proof of Delivery". It also has the payer's address and there are "Origin" and "Destination" fields which have the postcode of the sender and the recipient (I have redacted personal details in the attached invoice).  I am already including this in my evidence bundle (without the redaction) but wanted to share this redacted version so that other people can consider this as example in their bundle of Packlink and Evri's contract being instigated by the sender of the parcel who has paid for the service, and further shows that there is information in the invoice to identify that a third party beneficiary (sender / recipient) is present in the contract between Packlink and Evri. If this invoice is no good, then please let me know / delete it from this post. Draft - Witness Statement and Court Bundle redacted.pdf Packlink invoice - REDACTED.pdf
  • 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

DEBT with no assets


ktan49
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2727 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

Good Afternoon

 

I've had a very sketchy past involving a lot of borrowing and struggling to repay,

was also suffering from depression at the time but have since overcome all of that

and now the debt is catching up on me and I am starting to panic!

 

I am currently unemployed as my recent employer has decided to sell his business!

 

There are approx 7 - 8 debtors chasing me for debts between £170 - £950.

One of those being at about £2500 (118118 money) that one is currently marked on my credit file as CCJ.

 

I have had a visit from Fidelite Debt Collections so far, as well as various letters from other companies.

 

I am currently living with my partner who lives with her parent.

I have no assets apart from a finance car (which she is making payments for me at the moment due to me being laid off!)

 

Bottom line is, what is the worst case scenario that can happen?

I am living in someone else's house, nothing is mine apart from car.

. so what will happen?

 

 

As soon as I am back in employment I will start contacting them to start paying it off, but at the moment I am stuck.

 

 

Thanks for help

Karl

Link to post
Share on other sites

They can continue to send threatening letters

They can issue a default notice - sell the debt(s) to a DCA - they can issue a claim against you.

 

If these are all Consumer Credit debts then there is no need to worry about someone turning up on your (or your partners) doorstep and taking any possessions away.

 

This would not happen unless and until a Claim had been issued against you, the company had been awarded Judgment and you had then refused to make payment.

 

Have you considered a Debt Relief Order if you have no assets and your total debts are under £20,000 then this might be the way in which to get these people off your back for good.

 

Have a word with National Debtline via the link I have placed below.

 

https://www.nationaldebtline.org/EW/factsheets/Pages/debtrelieforders/droadvice.aspx

 

Ah I see that you have a CCJ already ? Did you defend the claim ? Are you making payments toward this ?

 

Perhaps before doing anything else, you could provide more history on the debts you have and the current status of each.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Which one is being marked as a CCJ ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

118118 money_ I explained my situation in the court letter I returned and have since heard nothing back regarding the CCJ

 

So its a court claim...not a CCJ yet ?

 

Its just that you stated earlier " One of those being at about £2500 (118118 money) that one is currently marked on my credit file as CCJ. "

 

If its on your credit file it is a CCJ.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 8 months later...

Hi all

 

Long story short, had serious cash issues in the past which has now caught up on me, I have burried my head in the sand for far too long and it's stressing me out too much.

 

I want to go with a Debt Relief Order, but I have a few questions

 

As there is quite a lot of creditors, I don't know all the names etc, once I start the process for the DRO, is there anyway they can find out how much I owe and who to? Total debt is about £11,000. with 3 current CCJ's against me.

 

I know how bad this sounds but I was diagnosed with depression last year and was struggling to cope, but I am doing alot better now. I have checked my credit file and most of them just mention the debt company rather than where the debt originated.

 

I am currently unemployed, with very few assets.

 

Time to pull my finger out and get this sorted once and for all !

 

Thank you all very much in advance, it's much appreciated.

 

Regards

Karl

Link to post
Share on other sites

List them please

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

Indigo Michael LTD - £330 - Default.

 

Instant Cash Loans T/A Payday UK - £164 Late payment.

 

Provident £493 - Late payment

 

Active Securities LTD £995 - Default

 

Ferratum UK £184 - Late Payment.

 

Myjar £656 - Late payment

 

Madison Cf UK LTD £2,525 - Default

 

Creditstar £156 - Late payment

 

Lowell £844 - Default

 

Lowell £765 - Default

 

Lowell £104 - Default

 

Lowell £784 - Default

 

Lowell £959 - Default

 

Ee Limited £826 - Default

 

Ee Limited £288 - Default

 

At the end of each I have listed it's status according to my credit file, either default or late payment. Although I have not made payment for a long time!

 

Also says there are 3 CCJ's against me,

1 of them is for the Madison Cf UK LTD £2,525.

Madison cf is 118 money

 

Not too sure what the other 2 are.

 

I know this looks really bad but like I said I was a in a bad place at the time and want to get this sorted. Never want to borrow ever again!

Link to post
Share on other sites

lots of these appears to be PDL's

it might pay you to go start a new thread on these in the PDL forum.

 

 

lets deal with the ones that are NOT PDL's here.

 

 

what are the LOWELL defaults?

 

 

are they all credit card/loan related

 

 

as for the CCJ's

 

 

if you pop up on www.trustonline.org.uk

and search the address where they were registered against

it should giove you the info about them.

but if you already know the CCJ numbers

then phone northants bulk court

and ask for a copy of each CCJ.

if no-one is chasing them let them run

same with the other debts

 

 

don't kick any pramwheels

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

yes, thinking irresponsible lending here Ktan

could wipe out lots of the PDL debts

FKO will explain more when you start the thread

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 not all mobiles then

 

 

on the debts that are NOT mobile phones or bank account

 

 

send whomever owns the debt a CCA request

[ignore the PDLS ]

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

mail order is a catalogue debt so CCA too

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

Okay when were they taken out

 

 

I couldn't give exact dates but id say late 2013 / early 2014.

 

EDIT* Also don't know if it makes any difference but I moved house earlier this year. All the debt / ccj is associated with my old address. I haven't informed any of the debt agencies of this and I don't plan to.

Link to post
Share on other sites

CCJ's are against a person not an address

Prob why you got then in the first place!!

 

If you move you must inform your creditors

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...