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    • no DCA is a bailiff end of neither do they have any legal powers whatsoever. i would write to everyone simply giving your current abroad address , inc proof of residency. that will stop all threats going to anywhere else.  
    • Thanks for your prompt reply. I have some questions, please: When you say nothing will happen, my 80 year-old mother is worried about potential DCA doorsteppers if/when the debts are sold on - she is a very sweet, quite vulnerable lady and she is worried she may be bullied and harrassed.  If they do come knocking, what should she say?  I told her to say she knows nothing about any of it and they have no right to come knocking on her door and to warn them police will be informed if they come back.  Problem is, I don't think she would be strong enough and can easily be bullied into saying more than she intended once the door has been answered. Next questions: 1)  Should I inform all my lenders that I have moved abroad before defaulting (to avoid the quirky English law loophole thingy that could end up in a CCJ or worse once a DCA gets hold of it)?  2)  Can/should I provide an alternative UK correspondence address to my lenders instead of my mother's home address e.g. my virtual office address for my business - would the lenders accept this as I live abroad now and don't live at my mother's address?  Can I just write and tell them, without any further ado and not get into any further questions about it and cease further correspondence with them and default?  And would this stop DCAs coming to my mother's house as it would not be my current residential address on the lenders files when passed to the DCA?  Do they doorstep previous addresses? 3)  If I don't provide a UK correspondence address will I be at risk of not being aware of any Letters of Claim etc and legal proceedings notices etc not reaching me (there's no reliable postal system in the developing country I've moved to).  Worried this would mean I could end up being taken to court without being aware of it and could end up in a worse situation. 2) What exactly will go on my credit file once I've defaulted, assuming no legal action is taken against me?    4) Should I contact any of my lenders and inform them I have zero assets.  TSB & Sainsburys already have I&E info from me which shows my income  @ £1200/mth is below the combined total of my debt repayments @ £1300/mth and that my income only just covers essential costs of living @ £1200/mth.  Could it be useful to be on my file that I have no assets, so that the DCA clearly see this when the debt is passed to them? Thanks again for any advice.
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • paypal, but i would like to know if anyone knows if there is a certain time limit they have to refund you? thanks
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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Good link. We're not on the property ladder yet (renting) but we hope to be soon...don't know how we're going to manage.

 

I think the problem with outside links is that the various unscrupuli have been posting commercial links, or referee links. Naughty.

-----

Click the scales if I've been useful! :)

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I suppose that, if it's allowed, it should really be posted in the Scotland forum as it really only pertains to our region.

 

Well, no point in concerning myself with earning the reputation of "El Thicko": already attended to. So, what's a referee link?

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Good link. We're not on the property ladder yet (renting) but we hope to be soon...don't know how we're going to manage....................

 

:) Have you looked into Earthships? You'd have to find yourself a piece of land first, of course. That's how I'd plan to go and I wish local authorities would start building them to replace the council property they're selling off.

 

DRAT! Apart from my artistically creative spelling and grammar, my keyboard's about to go on the blink. Shouldn't have bought it from a shop which absolutely stunk of stale cigarette smoke. It's pobably gummed up with tar. Next time, before I lay out £1,500 on a pc, I'll:

1) ask advice from someone in the know;

2) ask teh vendor if they smoke;

3) if they do, I'll find another vendor.

 

The mouse died the other day but a friend stepped in with another. It's always the same friends who are there when you need help, isn't it? AND, they're the ones you never seem to need to ask.

 

Good folk.

 

As soon as I entered the pc room, for months after I bought this machine, I could still smell the stale smoke: DISGUSTING! I bet I'd have stopped smoking much earlier had I realised how much and disgustingly bad, I must have smelled to others. Anybody else notice how disgusting and dirty smokers smell: even some kids' clothes smell of stale smoke. :mad:

 

Aye, it's an awfie thing the addiction.

 

"When I'm dead and gone, every time my children pass a dirty ash tray, they'll think of me." :rolleyes:

 

YEWK!

 

Not an epitaph I'd want.

 

Sorry. I diverse.....AGAIN! :rolleyes: :rolleyes:

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I've received favourale responses from 3 MSPs so far:

 

First to arrive was from Ms Christine May whom I mistakenly addressed as Mr in my initial mail. Correction and apologised for sex change, in my reply, with advice that better a sex change by title as such surgery is reputedly really expensive. :shock:;)

 

"Dear Ms Gardiner

Thank you for your email. So that I may respond to you, I should be grateful for your full postal address.

Best wishes

Christine May

 

Website: http://www.christinemay.org.uk/

 

Christine May Constituency Office

MSP for Central Fife 5 Hanover Court

Scottish Parliament Glenrothes

Edinburgh KY7 5SB

EH99 1SP Tel: 01592 759767

Tel: 0131 348 5740 Fax: 01592 760309"

 

I'll share a scanned copy of the postal response when it arrives. :D

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Second response from Mark Ruskell:

 

Dear Constituent,

Congratulations on your strong lobby of the Scottish Parliament on this issue. I will be voting against the amendments and I think it unlikely that they will now pass. You are right to highlight the issue and you should also demand consistency in the positions taken by MSPs from other political parties.

The Scottish Green Party has adopted policy that states there should be no limits on the number of HMOs in a particular area. HMO licences are clearly designed to assure the safety of those living in rented accommodation. In this context, it would be inappropriate to use the HMO system to determine who could live where. Accordingly, Green MSPs will be voting against any amendment to the planning bill that would mean HMO licences could be used in this way as a very crude method of social enginering.

Yours sincerely,

Mark Ruskell MSP

Mark Ruskell MSP - Mid Scotland and Fife region

Scottish Green Party Environment Speaker

Regional Office

24 High Street, Dunblane

01786 820099

Parliamentary office

Room MG.17

Scottish Parliament

Edinburgh

Tel 0131 348 6368

Fax 0131 348 5972

RNID Type Talk calls welcome

"

 

If he proves to be as good (and consitent with it,) on green issues, principled, motivated and without 'head up bum syndrome' as he comes across, he, undoubtedly, gets my vote next election.

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Hmmm, definitely not personal response: Oskana does the work:-). Althought Mark Ruskell's response ws "dear Constituent", it was sent to a huge number of mailers: he can be forgiven based on content.

 

Murdo Fraser: great name. Response to mailed request: right action we'll see about reason:

 

    Thank you very much for your email with regards to your concerns about the amendments on Houses in Multiple Occupation (HMO) coming before the Scottish Parliament at Stage 3 of the Planning (Scotland) Bill this week.
    Please let me assure you that the Scottish Conservatives will not be supporting these amendments, this is because they are being presented at the final stage of the debate with no prior consultation on their impact on the rental and house sales markets and I do not feel this is a responsible way to form legislation.
    In addition I feel that the HMO regulations are operating well at the moment and that it is too soon to augment the provisions without any prior review or inquiry.
    Thank you again for your email.
    Regards - Murdo Fraser MSP
     

Oksana Last - Personal Assistant to

Murdo Fraser MSP - Mid Scotland & Fife

Deputy Leader Scottish Conservatives & Spokesman for Enterprise & Lifelong Learning

Contact: 01738 553990 Fax: 01738 553967

Control Tower, Perth Airport, Scone, Perth PH2 6PL

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