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    • Thanks for the advice and pointers much appreciated, letter will come from daughter in law but I would type it her up and print it off for her.   The officer told her he could not guarantee it would not happen again like you say I am astounded the Police have time to be stopping a driver who has proved 5 times now that she is legal to be on the road none of it makes sense.
    • We requested evidence for the PCNs and have received this. Where do we go from here?  BW_Legal_Evidence-compressed.pdf
    • Definitely move the cars ASAP, the bailiff will come back and clamp them, don't wait bailiffs can now call on Sundays and most Bank Holidays.
    • What should you do? Totally ignore them. Next time you are there take photographs of Athena's notice at the entrance to the car park plus the position of the others as well as any difference between the T&Cs of their signs. Also a picture of their payment meter as the T&Cs there are often different from the signs. Check with the local council to see if Athena have permission to erect signs and ANPR cameras under the Town & Country [Advertisements] Regulations -they are often online these days. Also ignore any future correspondence from them and their unregulated debt collectors and do not be afraid of ever escalating fees most of which have no basis in Law. The time to come back to us is if they send you a letter of claim where a snotty letter to them may discourage them.Also read other threads on here to get an idea of the numties you are dealing with. One amoeba has more intelligence than all the car parking rogues together. It is still worthwhile contacting Lidl even without your receipt and especially where you have a record of regular visits to them.
    • First, I'm a bit surprised that your local police force has the manpower and time to waste chasing up a complaint from a member of the public that a motability car's paperwork may not be in order, bearing in mind that most forces can't be bothered to follow up reported burglaries, if stories in the popular press are to be believed.  But if that's what the police officer has told you, that's what he's told you.   If you want to follow up his suggestion to make a complaint, check your local force's website for how to do so.  Or (bearing in mind the history of problems that you've had before) write straight to the Chief Constable (website again).   Simply say you want to make a complaint about the number of times your daughter (or whoever) has been stopped by the police for no apparent reason.  Give a list of when and where this has happened and what the outcome was (presumably that the police took no further action).  I would also add that in the latest incident the police officer actually suggested making a complaint about the number of stops.  Not only do you (or your daughter or son or whoever it is) find this police action to be extremely distressing, but you also consider it a waste of scarce police resources.   Ask for an explanation as to why this keeps happening and ask for an assurance that the police will stop doing it.   You may also want to add (see what others advise about this) that the police officer in the latest incident also told you that they had received a call from someone saying that the car's paper work "might not be in order".  Say that you are concerned that whoever made this false allegation is wasting police time.  (You may want to think carefully about this as it may not improve your daughter's relationship with her neighbour!  If the allegation came from the neighbour.)   Those are my initial thoughts but it's a bit late to be thinking clearly.  See what others suggest rather than just relying on my suggestions.   [The letter really needs to come from your daughter (or whichever family member keeps being stopped) and not you, unless you can make it perfectly clear in the letter who it is that is being stopped etc. and that you are complaining on their behalf.  Is that clear?]
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Happy New Year to all and thank you for taking the time to read this.

 

Myself and my husband have always struggled financially but always managed to keep our heads just above water but now we are in over our heads and not sure what to do.

 

Without giving the whole story, due to no work, mental health issues and a huge amount of wrong decision making we have got ourselves into a mess that we dont know how to deal with.

 

We have racked up loads of debt on credit cards, Loans and Payday loans just to try and survive and we are sinking.

 

I know we have to deal with this and Bankruptcy could be an option but I am so scared of the implications and stigma.

 

LTB

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post up a brief of the debts in issue

if not done already, do an income/expend for yourselves see what if any disposable is available.


IMO

:-):rant:

 

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hey no big sweat

we can sort this

 

just take a big breathe and calm down.

 

the more info you can give us the better.

 

it might help you better to also go start a new thread in the payday loans section

as I would suspect that many of those PDL lenders have given you loans when they should not have done

and you can start irresponsible lending claims against each one

as I bet you credit file were already shot to pieces

and you had other PDLS running already.

 

an IRL claim typically results in the debt being wiped out.

 

as for you other debts

as advise

list them here.

 

who was the original creditor

when you took the loan out

how much for

what type of credit

who you pay now

defaulted date


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Thanky ou ford for your reply.

 

Credit cards:

 

Aqua/Marbles/Cap 1 total approx £4000

My loan with Bamboo £4000

Husbands Loan with 118 118 £1500

Payday loan Myjar £1000

 

Unsecured loan with Nemo finance £40,000 (This is going back 10 years after house repo. Loan was secured, now unsecured but still outstanding).

 

I will do income/expenditure but trouble is husband is self employed courier and there is no pattern to his income so cannot know what he will earn one month to the next, its never a lot. Thats why we have so many debts, been using them to live on, stupidly.

 

I was working for a few months in a care home but it made my depression worse and I also have ADHD.

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O dx100 thank you so much for your kind words.

 

We feel really stupid and ashamed t the situation we are in.

 

We have always worked in one way or another, mainly self employed for the last 10 years but since our house was repod we have struggled to try and make ends meet. We have never received any benefit except Tax Credits and when I did approach them last year for some help they wouldnt help because my young son still lived at home.

 

I will do a full list of everything if its required.

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Please don't feel embarrassed, you're by no means the only ones in this situation. The important thing is that you're confronting your problem, we can help you sort this. :)

 

HB


Illegitimi non carborundum

 

 

 

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We feel really stupid and ashamed t the situation we are in.

 

Don’t!

 

Many of the folks here who will be helping you have been there.

 

Relax. You’ve taken the first step towards resolving your problems.

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hey, no worries.

an income/expend is just to see for yourselves about how much you are in a negative or positive each month. try a rough estimate if you can.

as said, the payday loans can be claimed on.

presume then now you are not a property owner?

are any of your older debt threads still outstanding

at what stage are you with the debts; paying anything, defaulted, court threats, when taken out, any cca requests, etc


IMO

:-):rant:

 

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Thankyou all for your support so far, it is very much appreciated :).

Ford in reply to your questions,

 

the situation is this,

 

Yes there are a couple of old DCA things which have come to light that are older.

 

The oldest thing (and the biggest) is this Nemo loan which was secured

but when the house was repod in 2007, it became unsecured.

 

Nemo managed to get a judgement granted against us in about 2008/2009 and this only happened because we were unaware at the time that a court claim had been issued and we were therefore not able to defend it.

 

We moved around quite a bit in the first 3 or so years after loosing our home.

 

Even though we have a judgement against us, we havent really paid anything.

 

We did pay token payments of about £20 pm for a couple of years but in the last 3 years we stopped because we just havent been able to afford it.

 

Every now and then Nemo rears it ugly head but this time I have told them I cant afford anything but its just a matter of time before they are pushing again.

 

the trouble is, I dont think this debt will ever go away.

I am not a youngster and its like a big black cloud hovering in the distance.

 

With regards to the other debts,

The Bamboo loan is one month in arrears and they have not been very helpful with my situation when I contacted them.

 

Another payment is due this week and they wont be getting it because I dont have it.

 

All the c/card, other loan payments are upto date although a couple of the crap 1 cards are over limit because of charges which I know I can reclaim,

but they may not get paid this month because we have had no income for 6 weeks and when we do get some in a weeks time,

 

I have to pay rent, and essential bills first.

 

The trouble is we have been borrowing from Peter to pay Paul so to speak but it must stop now as its making us ill.

 

We live in a council house.

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hi

thanks for the info, useful.

 

unless your judgment can be set aside and then successfully defended on, then it may still be owed.

 

and, unless it could then otherwise be written off due to health etc.

it is quite a large amount,

and bankruptcy may well be a way forward to get rid of it and everything else (bank'y includes existing judgments).

 

bankruptcy doesn't have the old stigma that it used to have. and you don't have any property.

 

maybe though see if the payday loans can be claimed on,

and the credit cards, challenged/written off, first.

if you feel comfortable being able to do so.

 

i don't know your full circumstances,

but it seems that unless most of the debts (mainly the 40k one) can be written off,

then bankruptcy may be the way forward, to get rid and start afresh.

 

i hate to see debts making someone ill, its not worth it.

 

see what the guys say.

 

have you been to the likes of cab, nationaldebtline, etc, for their opinion.


IMO

:-):rant:

 

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You are already receiving help from others on CAG. Just a few things I have noted.

 

You are not claiming any benefits you may be entitled to. Suggest you visit sites such as Entitled to or Turn2us and enter your details. See what you can claim. If you are struggling healthwise, you might choose to see your GP, if you have not done so far. If you have a health condition, even if you did not pass a DWP medical assessment, your local Job Centre should look at what job searches you can do. If you claim Universal Credit without notifying of any health condition, you are expected to do at least 35 hours a week job searches.

 

In regard to the Nemo and other debts, IF you decided to get rid of debts by using bankruptcy, this might not affect you that much. If you were renting privately then it might have been a problem, but if you live in a council property, this is not affected by bankruptcy. This is something you should look into. Why live with debts causing you stress, when there is a perfectly standard way of getting rid of debts ? Donald Trump has been bankrupt several times and many who have eventually been successful, have had bankruptcy or significant debts problems at some stage.

 

Secured debts like Nemo have a limitations period of 12 years for capital and 6 years for interest. Although it might be unsecured now, it is still a secured debt per its original terms. This means 12 years possible enforcement from when you last made a payment. See how it goes negotiating with companies you have debts with, but keep all options open.

 

Don't keep struggling on, when there is help out there. If you don't ask or find out for yourself, you will never know.


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Ford

 

No not yet.

I have looked at Stepchange online and did the assessment and Bankruptcy came up as the resolution but for me that would be a last resort

I think and I would need to do my homework first.

 

The trouble is, its very difficult to see clearly and make the right decision when we are so stressed with it all and have a track record of making wrong decisions which has sort of led us to this situation in the first place, if you see what I mean.

 

@unclebulgaria

 

Thank you for your comments Unclebulgaria67.

 

As far as benefits go, we tried a year ago to get a bit of help,

 

the first time ever we have asked and the local council messed us about so much and in the end they expected our young son to cough up most his wages (he is on a low wage) or they wouldnt help so we told them to poke it!

 

As far as medical assessments, both myself and my husband have been under the GP for depression and other mental illness.

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hi

yes, the more opinions the better; from cag, cab, nat debtline, etc, to help you make the right informed decision.

imho, from the info you have posted, bankruptcy seems to be the best way forward (mainly due to the 40k judgment), unless they can be written off.


IMO

:-):rant:

 

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Thank you for your comments Unclebulgaria67. As far as benefits go, we tried a year ago to get a bit of help, the first time ever we have asked and the local council messed us about so much and in the end they expected our young son to cough up most his wages (he is on a low wage) or they wouldnt help so we told them to poke it! As far as medical assessments, both myself and my husband have been under the GP for depression and other mental illness.

 

Suggest you look into this again. There is so much free help out there. The various charities such as Mind, Rethink have loads of information on their online sites and freephone helplines. Don't let one unhelpful person from your local council put you off. Most councils now have trained staff to help with benefit enquiries. Your nearest Citizens Advice centre might also have more help available, as they are assisting with issues caused by roll out of Universal Credit.

 

What income per month have you got coming into your house, your husband and yourself and how does this compare with your monthly outgoings ? Don't advise on here for your privacy., but write down for yourself a list of expenses and see how a typical recent months income compares.

 

If self employment iincome is not enough because the type of trade is just not paying, then changing to an employed job with regular income should be considered. Many self employed people would prefer to just struggle on, rather then work for a company as an employee.

 

Visit Entitied to or Turn2us and see what benefits you can claim. If you are not fit for work, then you need a sick note from your GP to submit to DWP.


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Link to Rethink section on benefits.

 

https://www.rethink.org/living-with-mental-illness/money-issues-benefits-employment/welfare-benefits-and-mental-illness

 

If you are eligible for benefits, get your claim submitted asap, as they rarely backdate any entitlement.


We could do with some help from you.

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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My loan with Bamboo £4000

Husbands Loan with 118 118 £1500

payday loan Myjar £1000

 

Myjar - HCSTC - We can help with this :)

118 Money - HCIL - We can also help with this.

Bamboo - Is this loan done by a Guarantor?

 

You said Payday Loans in your original post. Am I missing something or have you missed something out ;) ? (Plural)

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Myjar - HCSTC - We can help with this :)

118 Money - HCIL - We can also help with this.

Bamboo - Is this loan done by a Guarantor?

 

You said Payday Loans in your original post. Am I missing something or have you missed something out ;) ? (Plural)

Hi fkofilee,

When I said payday loans I meant Myjar,

 

I also had quidee but thats finished because they were sold as payday loans and reasonably short term although I am on my third myjar loan and each time the offer is for more money and longer terms.

 

Bamboo - no guarantor.

 

I would appreciate if you could give me some guidance with these as I cant pay them.

 

should I offer token payment of £1 rather than pay nothing?

 

Many thanks

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no you start an irresponsible lending claim on EACH ONE

start a new thread in the PDL section.

 

keep these off this main thread

you can even send an IRL claim for the ones you've paid off

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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