Jump to content


  • Tweets

  • Posts

    • Hi All, I hope I'm posting in the right place.  I have about £40k in unpaid debts (cards, loans etc).  They are pretty much all over £5k and nearing the 6 year since default time frame... The first is into the final 12 months now... Capquest... £11k, they own the debt.  Ive been expecting collection efforts to step up as the SB line approaches with them all.   The situation is that I could pay these but call me morally bankrupt... Id rather eat you know what at this stage.  If any of the so called creditors look into me they'll see that I'm worth chasing.  Having nearly got to the 6 year since default period I won't allow a judgement to show for another 6 years.  How likely are they to try and get one?  With debts over £5k is small claims not an option for them and will it cost them more to take this to court?   My question is this....... They are offering obviously settlements for less.  Capquest 40% of £11K... Id hate to ignore all this and end up having to pay the full amount as they take it to court.... How likely are they to do this?  If they do will they still take a settlement when proceedings have commenced? (Henece nothing to lose by waiting). Companies in question are: Intrum Uk Ltd Cabot Credit Management Group Ltd Aarrow Global Ltd  and I just notice as I type that Capquest are not noted on my credit file and must be part of Arrow Global.... They have also made subtle threat on their latest letter with the wording "Our additional enquiries have indicated that you are a homeowner at the above address." Most of the defaults were around 2014 for agreements taken out 2008 -20012.  Original creditors... Halifax, Tesco, Virgin Money.  In Northern Ireland so PAP doesn't apply I think.   Any advice appreciated. Regards Diedebtsdie              
    • or +14 days which is the earliest they could call the debt in.
    • darn the mug didn't fall for our fleecing attempt.   dx
    • Thank you for your reply Craig - That's good to know, although if I receive a visit from their Bailiff that would cause me extreme additional distress... Want to send them a letter but unsure what to write
    • Letter from pra in reply to my CCA request   They in there words have enclosed requested documents  Which is laughable to say the least they have sent a statement of what they say I owed when they bought the debt and what I owe now on a  PRA  headed statement  No paperwork from MBNA  Sounds like custers last stand for PRA😁  
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies

Recommended Posts

Hi all,

 

I have learning difficulties and I need some help understanding what permitted work Is,

 

the reason I would like to know is because I receive esa and pip

what I have been receiving for the past 3 years

 

I worked in kitchens from 16 years old till I was 28 then i become really depressed and anxious due to swallowing issues

 

I had a good tube for 2 years and currently survive on ensure

I find it very difficult to swallow soft food,

because of this I am quite weak and collapse frequently but my stability has got better in the last year,

 

my problem is I don't get enough money on dwp

i am in debt with electricity and water rates that i cannot afford to pay back and

 

I would like to do some light work to help earn more but I'm worried that I will take on work and my benefits will stop because I am in no position to be able to manage full time work at this current time

 

could someone please explain to me the best options for me,

 

Thank you

 

Karl

Share this post


Link to post
Share on other sites

are you getting water rates rebate, you should be .

 

as for the electric bill are they aware of your issues?

there are various trust funds too that can help.

who is the supplier?


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

Share this post


Link to post
Share on other sites

Hi

 

I am not aware of water rebates and not heard of that before with my electric it is with sse I had a electric key thing but I forget to put money on there so they have changed my box but I forget to pay them and they asked me to tell them numbers on my box but I can't understand that and they have said I owe them 1200 I got a discount for cold weather but that is all they can do for me

Share this post


Link to post
Share on other sites

do you get council tax relief, if so you should get water also, typically they are joined.

 

why don't you goto entitled.to website and do their benefits check.

you never know!!

 

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:5684273140&ie=UTF-8&q=SSE+Trust+fund&sa=Search+the+Web

 

so how long have you been not paying for your electric?

£1200 is one hell of a bill.

have you been putting money away to pay for this ??

even though you couldn't pay them?

 

what do you mean they changed from a key meter?


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

Share this post


Link to post
Share on other sites

Benefit for water rates will depend on where you live - Scotland is probably the only area left where this happens. You can ask for money to be taken from your Benefits to pay certain bills https://www.gov.uk/bills-benefits

 

With water you may be better off with a water meter and the water companies have different schemes to help if you are in debt to them by being able to write off up to 100% of the debt owing. Do you know which company you are with?


Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Share this post


Link to post
Share on other sites

I have lived in my home for 1 and half years now

I was on medication that caused me to get amnesia so my heads abit all over the place but I don't think I paid any bill

 

I have a social worker who was suppose to deal with all of this but I don't see him no more

I get housing benefits if that's what you mean by tax relief and with the meter it was supposed to come from my bank account but it has not I will have a look at your website

 

I am with Thames water as I got a letter from them they are going to send me a letter out and they said I can get 50 percent off on the bill and rates because I asked them about water rate rebate

Edited by dx100uk
merge

Share this post


Link to post
Share on other sites

Do you have anyone that can help you get this done?


Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Share this post


Link to post
Share on other sites

I had my social worker I was part of adult mental health team for 3 years and they was suppose to clear my debts and help manage my money and pay my bills because I had a letter with more debt I asked to leave there service because they cannot section me to hospital they have said I voluntary left there service now I don't get any help

Share this post


Link to post
Share on other sites

It may be a good idea to get someone to help you with this. If you actually live in London then try https://www.z2k.org/


Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Share this post


Link to post
Share on other sites

I'm not from London sorry I live not far from there but a diffrent city

Share this post


Link to post
Share on other sites

In that case try MIND instead https://www.mind.org.uk/ scroll down the page a little and there is a link to looking for an office near to you https://www.mind.org.uk/information-support/local-minds/


Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Share this post


Link to post
Share on other sites
Please fill in your quit date here

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...