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    • I sent one to Together Money- who are Blemain I believe?  Unless there's another address ? I sent one by post to the address on the Together site...
    • Hi I have received not one but three of the same PAP letters (just different amounts and details) from Moriarty Law, allegedly for three different ADCB credit cards taken out in UAE in 2009 for a total debt they claim is now almost 200,000 pounds across the three accounts.  I think I may have had one credit card from them, but there was nowhere near that amount outstanding, if anything, when I left the UAE for good on September 30, 2010. There is a difference with my case, however and I need some advice.  I have lived in Hong Kong since 2012 (I am a permanent resident there) and the letters have been sent to my elderly mother's address, which is where my UK bank account is registered, and have been forwarded to me. Though they are dated August 20 and 21 I only received them yesterday. There are also two follow-up "Final demand before proceedings letter" both dated September 8. In previous years there have only been various DCA letters sent which have all been ignored My queries are this: 1. What would happens if the letters were returned with a note that this person is "no longer lives at this address" - moved abroad” 2. Or should I return the PAP reply form anyway as set out on this forum but with no address on it (it might confuse them with a Hong Kong stamp on the envelope I guess) 3. If I do that, should I send the three forms separately or together? 4. Should I return it saying I have left the country adn not to send any more correspondece to my old address? 5 Or is there any other advice you can give.  I am not sure if I reveal that I am in Hong Kong that could stop UK proceedings, could I have a CCJ in absentia and could it be enforced, or whether could chase me for it in Hong Kong which has a similar statue of limitation law to UK? Thanks for any speedy advice. Time is short because it takes four or five days for post to get between UK and HK.        
    • A step by step guide on how to use the Armed Forces Pension Calculator     READ MORE HERE: https://www.gov.uk/government/publications/a-step-by-step-guide-on-how-to-use-the-armed-forces-pension-calculator
    • Hi   Repair and Support Plan states: If your product goes wrong after the 3rd Repair, you can request a replacement.(The faults must be mechanical they say e.g Hard Drive as opposed to physical/accidental to qualify for replacement/vouchers).   My Laptop has had 4 Hard Drive replacements. They are attempting to claim that a corner being missing when the laptop went in for repair over rides Hard Drive Failure and are therefore claiming my laptop has had only 3 repairs.   Also Well fix in 7 days or replacement-1 of the repairs took almost a month. Ive refused delivery of my `fixed` laptop now for 3 months while arguing to and fro with them that they have breached the support plan and I want replacement vouchers.They are now charging me £50 to store my laptop and are going to dispose of it in 6 days if I dont contact them. Been through usual channels..Consumer advice... just found out they wont participate in ADR. I loathe this company they are a disgrace. Ive paid A support Plan £11 per month for over 8 years. Im aware how bad they are and how many people they have shafted. Anyone any idea where I stand ..what I do?I dont want them to get away with broaching the policy as well as binning my laptop.Im left with nothing.    
    • So it is...... ...but has yet to be determined by a Judge...who would no doubt decide that  Bailey had the use of the vehicle  during the term of the agreement and therefore benefited.   Too risky....I would be happy with this result and leave it at that. 
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I had an agreement with Marston to pay off a fine due to an untaxed vehicle being on the road.

 

Received my student finance last week not realising it was being paid into a different account.

 

Agreement broke on the 13th of Jan due to the missed payment. I had made an initial payment in december.

 

They noted missed payment on the 15th Jan

 

Today (16th Jan) a Bailiff from Marston arrived. I was asleep but another family member was arriving home from work and saw them. They put a Final Notice letter through the letter box. £235 enforcement stage costs and £75 admin fee have been added. It says "Despite previous notices and attendance(s) I shall attend to take control of goods and remove for sale by public auction:

 

ONE MORNING THIS WEEK

 

Besides trying to arrange a payment plan, is there anything else I can do? This has already caused me to have a panic attack and things are hard enough as it is. I'm currently receiving help from a psychological therapist for anxiety, low mood/depression, I am on antidepressants and also receiving counselling from my university counselling team. I did note I could inform them of possibly being a vulnerable person but I am not sure if things have escalated too far or not.

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As the case had already been with Marston when you set up an agreement, the compliance stage fee of £75 would have already been charged. What you have now been charged is an enforcement fee of £235.

 

Defaulting on a previously agreed payment arrangement will automatically lead to the agreement being terminated and the account passed to a bailiff (which is what has happened here). It is absolutely vital that you advise Marston of your vulnerability and it is a shame that you had not revealed this information to them sooner but we cannot change that position.

 

It would be wise to send a TEXT message to the bailiff to advise him that you had every intention of keeping to the agreement but you had been unaware that your STUDENT grant had gone into a different account and this has led to your account defaulting.

 

Most importantly, inform him that you are sending an email to Marston's TODAY with evidence of your vulnerability and this will outline that you are receiving help from a psychological therapist for anxiety, depression etc and that you are also prescribed antidepressants etc. There is a possibility that Marston may look kindly at removing the £235 enforcement fees.

 

 

PS: I would also suggest that you make payment of the amount due under your agreement.

Edited by dx100uk
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Thanks for the advice.

 

I contacted the bailiff directly before you messaged and told him about my circumstances.

Asked for the medication I was on etc and told them I was a student.

 

They've agreed to remove the £235 fee but want my last two payments up front by the weekend which I'm fine with if I'm honest, since the payments would be coming from the same lump of money anyways.

 

Is there anything else I should, just to make sure I'm not being lied to etc.

I did record the phone call just to be safe

Edited by dx100uk
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An EXCELLENT outcome indeed. I don't believe that there is anything else that you need to be doing other than to ensure that your payment arrangement does not default again.

Edited by Andyorch
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