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    • Dep Thx Eric's Brother. There was a person on this forum who told me his case was thrown out at the same court because of the contract. I requested more info, but he has disappeared since his case was dismissed.  I was just wondering whether it was worth whacking off a letter to IPS pointing out one of their members, using their logo, is making a claim based on illegal signage and other issues in contravention of their Code of Practice. Would they lean on VCS to withdraw, do you think?
    • Mother and father worked here and then went to SA in about 1978 returning to UK in about 1996 and worked here until 2016 when her husband died at age 66.  He was still working at the time.  She then went to live with daughter in SA.  Mother only claims for her pension. 
    • Thanks, I owe the money, no issue with that, I will SAR the company.  If I need to just pay it and have the CCJ for a few years so be it.  Just thought I'd explore all options
    • By the way you wrote that post, i can see that you are as confused by the situation as someone reading it. Important advice must be not to pay for any flights etc, until they understand the situation fully. Those that have British passports could be entitled to receive UK benefits. However, nothing is that straightforward. The passport does guarantee anything. The daughter could be entitled to Universal Credit ( which includes housing) as a British passport holder, but this can only be confirmed when she has gone through the Habitual Residency test (HRT). So you will need to read about HRT for British passport holders returning to the UK. There will be requirements to provide information about why they are returning to the UK and what work searches have they done to find work on their return to the UK. In regard to the mother who has a British passport, you will be correct in presuming that no council is going to be helpful in paying for the care home fees immediately on arrival in the UK. When did the mother last live in the UK ? When did the mother last work in the UK ? British embassy in South Africa may be able to provide information and assist with applications ? Just getting on a plane, landing in the UK and expecting help to resolve their situation, would be a silly thing to do. I can see the mother ending up in an NHS hospital for a period, while people wondered how they were going to deal with the situation. Probably not the first to do this, but if the mother also has a South African passport, they could put her on a plane back to SA and then the Daughter would be a difficult situation. Embassy in South Africa must be first place of advice.
    • There are online forums for people moving from South Africa to the UK. This is one of them.   https://moveup.co.za/2019/03/08/how-to-move-to-the-uk-a-step-by-step-guide/   If you want to speak to a social worker you could try the local council.   HB
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1966PH

Long standing debts and defaults

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Hi All... I hope you can help... I'll try to make this as short as possible.

 

I was a victim of the financial crash.. the business I was in suffered massively and as a result, in 2010, my income reduced by almost 90%.

 

I made arrangements with all my creditors when I could see this on the horizon (totalling around £100k) which have been in place ever since. The arrangements reflected my reduced earnings and most reduced to around 10% of the normal payment with the interest frozen.

 

Most of my creditors subsequently registered defaults against me.. some quite soon after the start of the problems, some a few years later... which, now we are 8 years down the line, is great... a lot have dropped off my credit file and a few have only a short time to go until they do... BUT... i have 2 creditors, Nothern Rock (as was) and Nat west Bank, who refuse to register a default.. they just show late payments every month even though I am thousands in arrears and show as 6+ on my credit reports..

 

My question is, should they have registered defaults many years ago or can they effectively keep on punishing me, which will ultimately be, for the rest of my life, for an event out of my control?

 

My business will never return to its former glory so I will never be in a position to clear these two debts in full. If I had declared myself bankrupt when the crap hit the fan, this would have been done and dusted many years ago and I would be pretty much back to normal but because I chose to do (what I thought) was the right thing and keep paying my creditors.

 

Would the FOS agree that defaults should have been registered all those years ago or can nat west and Northern Rock keep causing me problems (and they are now becoming quite significant as I need to be credit checked for my work and for business accounts)

 

Any help gratefully accepted

 

Thanks

H

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either stop paying till they register the default. then resume

or write and give them 14 days to register one at the correct date [after the 3rd missed/short payment]

else you'll open a serious complaint with the ICO and seek financial compensation.

 

the ICO guidelines at the time sais 3-6mts


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

 

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Thanks for that.. Don't have the option to stop paying as I have to be seen as fit and proper in my job (financial services) currently on enhanced financial monitoring due to the historic issues and have to be seen to be making payments under any agreements

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you have checked all these debts are enforceable esp if you are paying DCA's

 

and I hope you've reclaimed all the PPI/insurances you've been spoofed out of esp on big/secured loans?


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

 

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Ppi sorted.. Haven't checked if the debts are enforcable, most of them have been with dca's for years now!?!?

 

Have had a look at the ico 'principles of reporting debt' and think I can see a hurdle.

 

Looks like I've shot myself in the foot by making arrangements with the lenders all those years ago...

 

The principles state that a default wouldn't be registered under those circumstances so I may not be able to argue that it should have happened all those years ago...

 

Any thoughts?

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are you using the old principles or the new ones

the old principles stated 3-6mts

the new ones now make no mention

IMHO its worth a shot.

 

as for the debts with DCA's

pers i'd be sending a CCA request to each one.

 

no CCA = no pay.


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

 

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