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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • 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..      
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Sunnyjet

Negligent financial advice

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Hi Guys,

 

I am newbie here on this forum.

 

I have been approached by the solicitor for Negligent Finance advise on the loan I have taken out back in 2006.

 

Told me that this is NO WIN NO FEE and I don't have to pay anything upfront but If I win the case I have to pay 25% fee.

 

Did anyone has used this service and especially on Negligent Finance Advise and how successful or unsuccessful they were.

I am really sceptical I may limp into one problem into other one.

Your advises will be much appreciated and thanks in advance.

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Hi.

 

Who are the firm please?

 

HB


Illegitimi non carborundum

 

 

 

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Waste of time ambulance chasers

Who's the loan with and why is it faulty?


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

 

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They dont do anything you cant do yourself. For free.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The Pure Legal Limited

 

The loan is with Swift Advances

Edited by dx100uk
merge/tidy

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think you need to type in swift

in our search CAG box of the top red toolbar and get reading up.

 

they are a very hard nut to crack

 

pers id never use ambulance chasers.

 

you cant hurt things by doing things yourself like sending swift an sar and get all the info they hold on you

then, you can decide with our help if things can be questioned.

 

wha do you think is wrong with the loan then?

did you send them any paperwork or tell them anything?


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

 

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Hi,

 

I have been told by the Pure Legal Limited that interest negotiated at the time and broker's fee may be given unfair disadvantage on my side, and it is true that at the time in 2006 when I took the loan out I was locked into paying monthly fee. I took secured loan of £22,000 and to this date the balance is still £20,000.

 

Secondly, the reason I took loan out because I had IVA back in 2004 for debt I incurred of £28,000, It was agreed with the Payplan that I should pay about £250 per month for five year to clear my debt.

 

Meanwhile, I received the letters from loan company saying that even if I pay my IVA the creditors will claim money from your property when you sell.

So offer them a fixed amount agreed by all creditors so they want chase you.

 

I was naïve and took their advise and paid them agreed amount.

But now I have been told by this legal company that advise given to you is not appropriate and broker and money lenders lock you into paying them forever.

I hope I made it clear but if you need any more info please let me know.

Edited by dx100uk
spacing

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its a secured loan it couldnt be included in your IVA.

it quite correct being secured that if you sell then the balance is owed.

 

as for the brokers fee, well that pretty standard.

 

there are 1000's here that still owe large sums 20yrs down the line because of the way swift calculate interest.

 

same as asenden , NRAM, blemain..don't think anyone has ever gotten anything back.

 

best to tell them to do one and do it yourself … get an sar running to swift.

 

dx


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

 

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