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    • Also, here is a link https://www.hestia.org/domestic-abuse    
    • Here is the app from the play store https://play.google.com/store/apps/details?id=com.newtonmobile.hestia&hl=en   I think there is an equivalent on the Apple store. I think it provides advice and contacts but I also heard somewhere that it allows you to keep some kind of log. I think keeping a log is extremely important – especially if there is any doubt as to whether one is going to be believed.
    • On the Middlesbrough Council portal a search for "Excel" - "Excel Parking Services" - "Excel Parking Services Ltd" produced no results. A search for "The Leisure Fund Ltd" brought up a request for planning permission for a building extension.
    • I'm afraid that I'm not especially familiar with the injunctions and orders et cetera that are available in these kinds of buried difficult situations. What I am pretty certain of is that if there is some kind of proceedings began while the partner is still living in the home then that will increase tensions to an intolerable level and also increase any danger. I think this would mean that they would have to be a move to have the abusive partner excluded from the home. How many children are there and why should she be worried that the children might be taken away? I have to say that if the children are living in a situation where they are aware that there is this level of abuse between their parents then it can only be extremely damaging to them and the sooner the matter was resolved and the home became a peaceful and stable environment for them, the better. I think this would absolutely require the removal of the abusive partner. If the police have already been made aware of his abusive behaviour then it seems to me that the presumption will be in favour of her remaining at the home with her children. One thing she should certainly do is start to keep a detailed log of what is going on. She needs to be extremely careful that this log is not discovered and in fact I think that there is an app which maybe allows a log to be kept and is stored off the phone and in the cloud somewhere. I will check it out and come back. I very much hope that there will be others who have experience of this kind of thing either because they have been in this kind of situation or else because they have supported somebody who is in that situation who will be able to come along and give better advice. Can you tell us more about the children please. I think that their well-being might be pivotal to finding a solution to the whole problem
    • Hi All,   Not sure if this is the correct section to post in, please move if it isn't.   During the storm over the last couple of days I noticed a tiled on the shed roof had slipped and opened a hole, on close inspection it turns out they are Asbestos tiles. Nowhere in our survey did it state that and we weren't informed during the sale period.   This is our first house so I had no idea what Asbestos looked like and didn't suspect a thing, we just new the roof looked a little worse for wear and would plan to replace it once settled in etc.   I am assuming this is now going to cost a lot more to have removed and replaced, and we would of factored the cost in when we made the offer on the property.   Is there anything I can do in regards to either the Surveyors or the Estate Agents to have the costs either contributed to or covered ?   Thanks
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Hi I hope I'm posting this in the correct place!

 

I have almost finished settling all my debts with f&f settlements with thanks to all the advice I found on here but i have 2 issues remaining;

 

- I offered Link financial a f&f for an old barclaycard. The amount outstanding is £1440 & I offered £734

They have declined this offer and said the least they are willing to accept is £1295!

 

I have since requested a CCA which they have just written back to me to say they can't locate, therefore the debt is unenforceable.

Should I offer a small amount to settle this debt as it hasn't currently defaulted on my credit report even though I have been in a DMP for 5 years (which I have now closed)

 

-My second Issue is a Tesco loan which has been sold on to Intrum. I offered £5,404 on a £10,665 loan which was declined.

They have since provided a CCA therefore the debt seems enforceable.

This account defaulted February 2012 therefore is now not on my credit report.

I am now in the process of offering £7,000 but really can't afford anymore than that.

 

What are my best options for the above please, any advice is greatly appreciated.

Thanks

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The 1st one forget about. You'll get some letters every now and then but they already said its unenforceable.

 

The second one the offer seems reasonable. It just depends on how you want to play it.

Others will advise on the legal ins and outs

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Thanks for the quick response sgtbush! If I don't pay anything though won't they default me?

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How can they prove your n default of something they cant prove you've ever had.

 

Its like me defaulting you on your credit file

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bet the debt was defaulted years ago by the OC

it cant be defaulted twice!

 

no cca = NO PAY!!


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

 

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start a thread in the other institutions forum for the Tesco loan and scan up the CCA return to ONE multipage PDF

read upload


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

 

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But it's showing on my credit file as up to date so can't they then put a default on it?

 

I'm sorry I'm new to this so am unsure what you mean!?

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Link dead in the water so dont offer anything and stop apying them if you are still doing so.

Did you get a letter telling you the debt was assigned to Intrum at the time? If not it may be they dont actually own the dabt, merely manage it and then they cant actually accept an offer becuse it is above their pay grade to do so.

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Go ring BC and ask when they defaulted the debt

They must do this before selling it to a DC A


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

 

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Yes i did (it was first credit but has just changed to Intrum)

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do post 9 please


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

 

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