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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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mystic_bertie

£15k Debt, 7 Creditors, Can I Get It Reduced If I Pay In Full

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Stop talking on the phone!!

 

DITTO!!!!!!!!!!!!!!!!!!!!!

 

Quite why people entertain these clowns over the phone is beyond me.

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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ok cheers for the info guys, i will hang up if they call again.

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Unlocked

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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 OTHERS

 

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

 

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

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Many thanks for unlocking this thread. Today i received this letter from a different Solicitors. What action should i take if any guys? As always i really appreciate your wonderful assistance. ;)

 

 

 

link LOC.pdf

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so a diff barclaycard to the one already here then?

 

dx

 

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please don't hit Quote...just type we know what we said earlier..

 

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Hi dx

 

I originally had 2 Barclaycard credit cards and this must be for the second debt which is £2957.74.

 

Thanks ;)

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did they reply to a CCA request on this one or you never sent one?

 

dx

 

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please don't hit Quote...just type we know what we said earlier..

 

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Hi dx.

I did a lot of digging through my paperwork and i does not look like i did send a CCA to Barclaycard.

Reading back in the thread i did send a SAR to them but it looks like i never received them.

 

At the time of doing that in 2016 i was in temporary accommodation.

I was lodging with a girlfriend at the time, we broke up too at that time too and she did not talk to me so i have no idea is Barclaycard did send a SAR or not.

 

I did get a SAR from BOS and Ulsterbank.

At the time Moorgate (mbna debt) refused to supply me with the 2 x CCA's due to them not knowing my new address, which i was told was rubbish at the time.

 

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CCA link not BC.

 

dx

 

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please don't hit Quote...just type we know what we said earlier..

 

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At the time the debt was still with Barclaycard, it was only recently that this second Barclaycard account was transferred to Link. 

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so what should i do regarding the lawyers letter? Do i now send a CCA to Link?

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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 OTHERS

 

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

 

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

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Many thanks ANdy. My debt was taken out when i was in Scotland does the same procedure apply.

Do i just send the PAP form and the CCA request to the solicitors?

 

Many thanks ;)

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makes no odds as you are now in England other than the statue barred rules.

when did you last pay this..save us looking back?

 

dx

 

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please don't hit Quote...just type we know what we said earlier..

 

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Hi dx i last made a token payment in 2016.

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ok just follow post 2 in that thread andy pointed too.

 

dx

 

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please don't hit Quote...just type we know what we said earlier..

 

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dx  many thanks for the helpful reply, i shall get his sent off this week. :)

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Many thanks dx and Andy i have sent the CCA to link and the PAP reply form to the solicitors. If i do hear anything more i will update the thread. cheers 

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images/posts removed
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please do not post jpg picture images directly to a post
.
read upload and redact in jpg then convert using on of the listed websites there to convert to one multipage pdf only

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that way only logged-in,registered and approved caggers are the only ones that can download and see them
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else anyone can see them caggers or not.

dx


please don't hit Quote...just type we know what we said earlier..

 

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