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    • 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..      
    • I have amended the pdf documents  02-20-2020-10_36.24(1).pdf
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morgan8080

Halifax/Ascent - home repossession***Suspended* **

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Hi

been given a reposession date after mounting arrears and not keeping to the suspended possession order given about 5 years ago.

 

I haven't worked since 2011 but am starting work next month so offered Halifax £90 extra a month.

Was told by Halifax a month ago that we could make a payment arrangement but first they needed to get another possession order but not to worry it was cos old one had lapsed.

 

I then swiftly got a possession date through.

I have liased through Ascent and they won't accept it they want the £9000 arrears.

 

I have had medical problems and a break down a few years ago and still on medication.

Halifax have all medical notes .

I didn't just have a bit of depression it was very very bad and on a lot of medication.

 

Any advice as am putting an n244 in.

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Do I try speak to Halifax directly or won't it make any differenc e

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Spoke to them this morning

she is saying she wants up to date info like medical notes and medication and a letter to show employement which is fine

she said bank statements but I don't feel happy doing this

 

Help me please

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I would


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

 

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I did and they are thinking about it and will call Monday they want to go through my spending and see if it's in my best interests having the account??

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Might be better to now stop using the phone and tell them you wish a paper trail by letter only from now on

 

Get an SAR running too as I bet you've got £1000's to reclaim in letter arrears etc fees too


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

 

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I have emails in have sent to them are these ok or is headed letters better

 

I am doing a SAR but I need to concentrate on getting the eviction cancelled . She sounded like they would but couldn't say on phone till she discussed with someone else Monday at 8:30.

Does it sound like I have a chance

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Of course you have a very good chance


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

 

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Of course you have a very good chance

 

Halifax making out I don't .... saying that the judge won't necessarily go in my favour.

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If you can prove you have a job and are able to make payments going forward then I'm sure the judge will give you a chance. When you say you need to get the eviction cancelled do you mean you have received an eviction notice? or is it a possession hearing you have been notified of ?


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About 6 years ago I had an eviction hearing as I put in n244 and it went in my favour.

 

I have had a couple of times they gave me an eviction date and it got cancelled as I paid something and offered a payment plan... it's hard to remember.

 

I have had a terrible night and not slept I am so close to taking diazepam for the panic again but I really don't want to.

 

I don't understand why they wouldn't make a decision yesterday after I begged them not to leave me over the weekend as I would be panicking ( I have been hospitalised in past)

 

I feel maybe they are trying to teach me a lesson by leaving things hanging till Monday , it's cruel

 

it's the eviction .. they told me in June that they were gonna apply for a possession order as the previous had lapsed but not to worry and it meant we could set up a payment arrangement.

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Hi, just to be clear - have you received a Warrant for Possession with an eviction date on it ?


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Yes the date is 2nd October

I put proposal to Halifax they wanted lots of proof of me and are going to decide Monday as they don't know if it's in my best Interest having the mortgage which I found patronising.

 

I send bank statements and they picked through them and said I had spent a lot at JD sports one day etc...

but my spending had reduced since June ??

 

They have made me feel like a complete failure and a liar

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OK, lets wait and see what they say on Monday, then we will know whether you need to enter an N244 to get the eviction stopped. I am away from tomorrow until Wed evening and won't have internet access. I will look in again on Wed to see what needs to be done and can help if you need me to.


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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thank you so much . Do I stand a chance of having eviction stopped?

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If you can show the court you are able to make payments going forward and can prove the new job offer then you have every chance. Judges don't like taking people's homes away when they can see there is a possibility of them reducing the arrears.


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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I have shown those to Halifax and have a sustainable payment going forward and proof . I feel terrible about it all

 

Also I am sending SAR but they said they only accept cheque??

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Well am in still in limbo as Halifax have called and picked through last 4 months of bank statements every penny...

questioned me for ages and still reviewing account .

 

I cried on phone as I said it's stressing me out and feel being judged and cannot cope with these calls .

 

I asked if I could do it through email she said not .

 

I am expecting another call and am hoping I don't feel so bad on the next one.

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post 6

STOP TALKING ON THE PHONE!!

 

writing only put the phone down!!

 

bet they'd never ask those questions in letter

 

dx


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

 

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they will only discuss on phone and catagorically said no to email

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no not email either LETTER

if this is what they are saying then you put the phone down on them after stating writing ONLY/

 

it proves what I said

they'll threaten and allsorts over the phone

and do things they are NOT ALLOWED TOO.

if they put it in writing they'd be told off by the regulators

 

if you must talk on the phone

you tell them it is being recorded

bet they'll say you cant do that.

 

 

sorry but you are letting them treat you like a fool.


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

 

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I have an open complaint ...

they have said they can't stop eviction unless I pay £2000 .

I said I cannot afford that.

I can pay £1000

if I pay any more I am jeopardising next months payment and I want to pay on time from Now on.

 

The woman kept hastening me asking what I wasn't happy with and what she had done and why I was complaining and she needed to know .

I am going to speak to someone in complaints and put it in writing to them

 

I was on phone 2 hours to her .. I kept saying I need to go now as I am worn out emotionally with it all but she kept talking and asking me questions. I need copy of this call.

 

Apparently in June I had agreed a payment arrangement ... I don't remember this ?

I was told to wait for an extension of possession order

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that is totally out of order

well done

now you stay off that phone

 

 

I know this sounds silly but

it IS Halifax you are talking too?

whats the number they use we'll look it up

 

 

dx


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

 

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just rang and asked for complaints email address and my reference number they are calling me back

its secured collections at lloyds?

 

0808 145 0384

 

i also complained to managing director of lloyds bank

 

it all seems very wrong, i need help

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