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    • Well If I pay British Gas £90 a month they’ll be paid off in about 17 months. That’s a long time but if it’s gunna effect my credit rating until November 2023 why bother paying it off early?    Ive worked out too the PDL default will be 6 years old on the 22/01/2020 so is there a point even doing anything with it? If it gets removed after 6 years does that mean I won’t have to pay it back?    Thanks  Andrew 
    • Minor developments:   a) Notification received that case has been referred to County Court at Chesterfield and we've to await the Judge's directions re allocation etc.    b) The letter I sent on 20th August to the agent (Lambert Smith Hampton) that manages the Berkeley Precinct and has its address on the board at the entrance, has been returned by the Royal Mail National Returns Centre, with a sticker saying the "addressee has gone away"!!   Don't they have an obligation to change the signage if they move, and why wouldn't such a large company have their mail re-directed?   The letter requested assistance in obtaining a copy of the contract between VCS and the landowner. I'm a bit mystified, but have found an additional address, so I could resend the letter and give it another try. 
    • urm.. FmoTl twaddle me thinks followed here
    • 123 Abc efg   22/09/2019 Dear Sir,   Re:  v xyz. Case No: 123456   CPR 31.14 Request   On (date) I received the Claim Form in this case issued by you out of the county court of Salford.      I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest and counter claim all of your claim.   Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:     1: The agreement/overdraft Facility Confirmation and Terms and Conditions from that date. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.   Failure to prove the above will render any claim unenforceable pursuant to section127 and 61b(3) CCA1974   2: The Demand/Termination Notice (Notice served under Sections 76(1) and 98(1) of the CCA1974   3: Notices of Sums in Arrears under running account credit CCA2006 sec 86C   4. Notice of Assignment *   You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are disclosed at your earliest convenience.. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.   Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.   In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.   If you are unable to comply with this request and believe that you will never be able to comply with this request please confirm in your response.     Yours faithfully   Xyz. is this ok to send. and recorded delivery.
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Figures from the Insolvency Service show 90,930 personal insolvencies were recorded across England and Wales, rising 13.1% from 2015.

 

It is the first time since 2010 that the number of people entering insolvency has increased year-on-year.

 

 

 

 

 

http://www.expressandstar.com/business/uk-money/2017/01/27/figures-show-steep-rise-in-recorded-personal-insolvencies/


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Mark Sands, a personal insolvency partner at RSM, said: "In 2015 we saw the lowest levels of personal insolvency in over a decade, but the latest figures for 2016 show that the tide has now turned.

 

"Despite record low interest rates and high employment levels during the year, many more people found that they could no longer keep on top of their debts."

 

Recent Bank of England figures have shown strong rises in consumer credit, prompting concerns from charities that people could be at risk of over-stretching their borrowing.

 

 

 

Read more at http://www.expressandstar.com/business/uk-money/2017/01/27/figures-show-steep-rise-in-recorded-personal-insolvencies/#zXLG05Xl3YhbT0mf.99


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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 -

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BCOBS

 

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

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It is current government policy to see an increase in personal/household debt. George Osborne when he was chancellor factored in a large increase in debts and banks were encouraged to loan more money. Philip Hammond has continued this policy. This is why the UK is doing better than other economies. Consumer spending on credit proping up retail sector. Credit card debts are at record high.

 

If there is another financial shock, UK banks will be in trouble again and will need another bail out.


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It is current government policy to see an increase in personal/household debt. George Osborne when he was chancellor factored in a large increase in debts and banks were encouraged to loan more money. Philip Hammond has continued this policy. This is why the UK is doing better than other economies. Consumer spending on credit proping up retail sector. Credit card debts are at record high.

 

If there is another financial shock, UK banks will be in trouble again and will need another bail out.

 

 

I think consumers are daft to keep spending whilst there is so much uncertainty for the economy. Councils are almost certainly going to increase Council Tax - we are not sure if employment is going to be secure. It will only need for the BoE to increase interest rates and a lot more people will be in trouble.


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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

 

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

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Are there any figures for Scotland ? re insolvencies.

 

Works slightly different in Scotland Tom

 

https://www.thegazette.co.uk/insolvency/content/172

 

http://www.scotlandstowns.org/scottish_towns_power_big_improvement_in_personal_insolvencies


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It is current government policy to see an increase in personal/household debt. George Osborne when he was chancellor factored in a large increase in debts and banks were encouraged to loan more money. Philip Hammond has continued this policy. This is why the UK is doing better than other economies. Consumer spending on credit proping up retail sector. Credit card debts are at record high.

 

If there is another financial shock, UK banks will be in trouble again and will need another bail out.

 

To save bank "bail outs" and save taxpayers money there has been devised "bail ins". There has been a law passed both sides of the Atlantic where if banks get into trouble they can bail themselves out using depositors funds. When people put their money into the banks it gets put on a loan ledger where the bank has "borrowed" your money so when in trouble you become a creditor just like in a bankruptcy and the "loan" (your cash) would not be paid back.

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Interesting, thanks for that, I had missed it :) A quick search " uk bank bail in law " produced this,

 

 

http://truepublica.org.uk/united-kingdom/grand-theft-auto-uk-eu-bank-depositor-bail-regime-implemented/

 

 

One bit jumped out, " This is an admission by the British government that the £85,000 deposit guarantee scheme is flawed and that the British depositors protection promise is simply a sound bite and not financially supported. "

 

 

Time to go back to a cash society ?

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Interesting, thanks for that, I had missed it :) A quick search " uk bank bail in law " produced this,

 

 

http://truepublica.org.uk/united-kingdom/grand-theft-auto-uk-eu-bank-depositor-bail-regime-implemented/

 

 

One bit jumped out, " This is an admission by the British government that the £85,000 deposit guarantee scheme is flawed and that the British depositors protection promise is simply a sound bite and not financially supported. "

 

 

Time to go back to a cash society ?

 

Talking about cash, try "abolition of cash" on Google. Money Week "The Indian government has removed from currency 1000 and 500 Rupee notes and put a limit on ATMs of 2000 Rupees

 

Chase Manhatten, in half of their branches they neither accept or pay out cash and car loans, credit card bills and mortgages cannot be paid in cash,

 

David Cameron has told Police that if anyone is carrying over £1000 they demand to know where the cash has come from and if it cannot be verified they will confiscate it (Professional Builder)

 

Bank Of England hasn't printed any £50 since 2015

 

In France and Spain it is illegal to pay a bill in cash over 1000 Euro's or there is a fine of 25% and 40% (respectively) of the value of the bill. (Guardian of Telegraph)

 

I have had a letter from Barclay's that if I owe the HMRC or any other authority then they can demand Barclays take it from the account. What I do owe the HMRC and what they think I owe are two different things! People really do need to take notice of what is going on.

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and the call us 'conspiracy theorists' ?

 

 

thanks for the heads up about HMRC, I am not with barclays, but........ working tax credit are after me, because concentrix put a 'note' on my file, to say I was living with someone ? I'm not - they just made it up ! is that criminal fraud?

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and the call us 'conspiracy theorists' ?

 

 

thanks for the heads up about HMRC, I am not with barclays, but........ working tax credit are after me, because concentrix put a 'note' on my file, to say I was living with someone ? I'm not - they just made it up ! is that criminal fraud?

 

I know there has been a lot of trouble with Concentrix. My daughter had a demand back for tax credits and she got out of it, never paid it back. I think there was a rule about if it was their mistake it made a difference but I don't know exactly what it was.

 

I make it a rule not to deal with third parties nor pass their "security" as I have no contract with them (contract law). beyond that I don't know the answer. In a dispute I always ask for full accounting and terms and conditions, what laws are they using. Do everything in writing. I sign everything "without prejudice" and write that partially overlapping the signature. That means you can't be held liable for anything said if they don't fully disclose everything. Put the onus of proof on them. HMRC books are in such a mess they don't know what they are doing and they find it difficult when you don't speak to third parties.

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