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    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
    • Hi   What date did they move into the Property & when did the Tenancy end?   How long was the initial Tenancy Agreement for?   Did you pay a Deposit/Holding Deposit for the Property?   Exactly what Notice of Arrears was given and when(what date)? (if for rent arrears)   Are they still in the Property or have they ended their Tenancy as per the Notice requirement to end that tenancy?   Is the Claim for Rent Arrears/Damages etc.?   Have you sent a Subject Access Request (SAR) which is free(due to GDPR) to the Landlord/Letting Agent asking for 'ALL DATA'?    
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labrat

A big thank you to bridge house vets

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Thank you to all at bridgehouse mansfield who today helped with the passing of a loved one

 

got us in without an appointment

had someone with him constantly

put him on oxygen to help him breathe

 

Thank you for how kind all your staff were

 

wWghZ8RmiXGuGPWOye47PyJt5Ec4PIu0UrJe2PrCs2p9pS_a_NUnlOcDrauRh63sqkFuFTeSG2vB62mAVjJmQKHquGbSaFM77nXDFjhAW9uzbHaac5h5Szi7zYd3D3SPHmMfTRuO7fnkSbsVY19yDOR8v9cgZAh-j_6i_baKCroO9SdhGUWBpwGXjYtOC7Wle8_iicSBuSjg_yHb6058UWflXstYsswuDcaUgb1DqTBTPnjh0T0vAarchRGGEQ7HCAt-xUik8ZNWTwO7cBcyx-A_X0o7GZ2MuKkI_nDFDlDfE34U7q1qlazdAP9nqamxfLti8YN1OKQvxJrg7vXGyDfxFsE7YchEgY48ocWZavhs3LM6s2ARMDpA597bfW0_8gWPePKO0RUpljbLsq9EBdA2hW2Joli6zieflPbZLAUtr-z077myGFW0XRYbrFDyfWu4M8LCA2dWBwXIReTYUTHQXe7486sSprAzPdFmzLrPTxeho7k4dbNuB1F1YZ0iN4ALuMEZRrOzu6DQEzFzrbgvUdSTcaLpTdN7-i5WgH5UzcXJqG_FcTUxKCx5zB1uVOBR=w1292-h969-no

 

simba/aslan

???? - adopted 2005 - feb 2016


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Hi labrat,

 

I'm sorry for your loss, hopefully it's all the good times with simba/aslan you will remember.

 

Take care,

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

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yep all the good times

 

The way he curled up in our arms at the shelter when we adopted him

The way when he was put on the floor he sneaked out to the lady cat 3 doors along

Picking his claws out of the Posts of the 4-poster bed we had because he liked to sleep on top

His favorite game of jumping on toes in the middle of the night

the time he tried to walk along the curtain rail - and made it half way

the time we lost an entire beef joint to find him 3/4 of the way to the cat flap with it

all the times he curled up on us as he got older

having to have half a paw amputated because he played with a barbwire fence

the time he put a live mouse in my wifes boot - which she found with her foot

all the times we chased live mice/birds around the house cos he brought them in

 

theres thousands more

 

But the last memory will always be him passing away in my arms, in nearly the exact same position he first showed us when we adopted him


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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