Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • With any benefits system which has some form of controls in place, you will see some of these reported events happening.  Obviously it is not just people that are claiming benefits that commit suicide.  I think the biggest cause of death of men between 40 to 50 is suicide.     it would be interesting how the UK compares with other similar countries.     Does the UK have worse social problems than other wealthy countries?  Are countries, particularly non English speaking, more community orientated, with family generations living close by, offering support to young and old ?   Trying to concentrate blame on one thing, without looking into all of the other relevant issues, can lead to misleading conclusions.     You would think that following a suicide death, Coroners would have obtained copies of all relevant information including DWP files.   Why is there not a requirement to properly investigate such deaths at the time they occurred and to learn something from  each case ?
    • No DWP is in denial, the Errol Graham case has caused much concern   https://www.disabilitynewsservice.com/errol-graham-coroner-pledges-to-press-dwp-on-safeguarding-review/   Something is amiss with the procedures, Capita and the PIP Assessments seem to go against what a claimant's doctors say quite often, as do the UC Work Capability Assessments
    • oh don't you just love fleecers out to make a buck out of people they think are just mugs..
    • Useful link, BN.   The article mentions that the National Audit Office said that the DWP isn't learning anything from its mistakes.   HB
    • 1.     The Claimant claims £9,240.52 for monies due from the Defendant.   2.     This debt was pursuant to a regulated agreement(s) between the Defendant and The Student Loans Company Limited.  Each agreement had an individual account number as follows: 01xxxxxxxx, 00xxxxxxx, 97xxxxxxx, 96xxxxxxx.   3.     The Defendant failed to make payments as per the terms resulting in the agreement(s) being terminated.   Notice of such is served by a Default or Termination Notice subject to the terms of the agreement(s).   4.     The debt was assigned to the Claimant on 22/11/2013, with a notice provided to the Defendant.   A new master reference number xxxxxxxxxxxxx was also applied upon assignment.   5.     The Claimant has complied with the Pre-Action Protocol for Debt Claims   DEFENCE ……………...   The Defendant contends that the particulars of claim are vague and generic in nature.  The Defendant accordingly sets out its case below and relies on CPR 16.5(3) in relation to any particular allegation to which a specific response has not been made.   1.     Paragraph 1 2 is noted and denied accepted . I have had financial dealings with The Student Loans company in the past.  I do not recall the precise details or agreement and have sought verification from the claimant who has not complied with my requests for further information.   2.     Paragraph 2 is noted and accepted.  I did take out 4 student loans with the Student Loans Company.   2.     Paragraph 3 is noted and denied.  The Defendant never agreed to make payments to the Claimant, terms of the original Student Loans Agreement have been adhered to and thus repayments of loans are not due.  The Claimant is put to strict proof that an agreement(s) to make payments was made and a breach of agreement(s) occurred.   Paragraph 3 is denied as The Defendant maintains that a default notices were never received. The Claimant is put to strict proof that default notices were issued to, and received by the Defendant    3. Paragraphs1 & 4 are denied.The annual income of the Defendant has never exceeded the published limits for deferral since graduating in XXXX. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly provided by the Claimant pursuant to the LoP Act 1925.   4.      On receipt of this claim I requested (Royal Mail signed for) on 14/02/2020 a CPR 31.14 from the Claimant's solicitor and a section 77 CCA from the Claimant, to which both have failed to respond to,  It is therefore denied with regards to the Defendant owing any monies to the Claimant;  the Claimant has failed to provide any evidence of credit agreement/assignment/balance/breach requested by CPR 31.14, and remains in default of my section 77 CCA Request, therefore the Claimant is put to strict proof to: (a)   Show how the Defendant has entered into an agreement(s) (b)  Show how the Defendant is in breach of agreement(s) (c)   Show why the Claimant has terminated agreement(s) show the nature of breach and service of Default Notices and subsequent Notice of Sums in Arrears in accordance with the Consumer  Credit Act (d)  Show how the Claimant has reached the amount claimed for and (e)   Show how the Claimant has the legal right, either under statute or equity to issue a claim.     5. On receipt of this claim I requested (Royal Mail signed for) on 14/02/2020 a CPR 31.14 from the Claimant's solicitor and a section 77 CCA from the Claimant,  for copies of the documents referred to within the Claimant’s particulars to establish what the claim is for. To date the Claimant has failed to comply to my section 77 requests and their solicitors, Drydens Limited, have refused my CPR 31.14 request.    6.     The Defendant has supplied the Claimant with a deferment letter and evidence every year that their income is below the threshold for repayments, by way of Royal Mail signed for and proof of postage has been kept. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.      7.     The Defendant has done everything required of them to qualify for deferment as per the original agreement(s) with The Student Loans company.  The Claimant has only once acknowledged a deferment letter on 16 September 2014 whereupon they granted their request to defer repayments for that year. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82 A of the consumer credit Act 1974.    8.The Defendant therefore fails to see how they are in breach of any agreement(s) and deny the Claimant's claim of £9,240.52 or any other sum, or relief of any kind. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief        ……………………………...   delete the red add the blue.    
  • Our picks

doris22

45K Debt & leaving uk?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 343 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Doris... We keep repeating the same advice but you aren't reading it correctly... 

 

UncleB is right... Give all creditors your Spanish address and watch them whistle... Otherwise the entire thread is a waste of time 😊


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Share this post


Link to post
Share on other sites

Yes I understand now, thanks to you all

Share this post


Link to post
Share on other sites

And keep a copy of everything...letters/email/date/time to prove that they are aware of your circumstances and new address.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Hi again, I appreciate there is not probably much they can do if I give them my Spanish POBOX  number and email address as a point of contact. My concern is the bank loan £23k is a lot for one one not to do anything about... I may have £4500 I could possibly pay off before I leave is it worth me doing this?

 

tia

Share this post


Link to post
Share on other sites

Using a PO box at a post office in Spain is quite normal for people living in the countryside, where there are no post deliveries. So that should be ok. I know with a family member in Spain who left UK debts behind, that creditors refused to register any Spanish correspondence address on UK credit records.

 

You can add notes to your UK credit files with your Spanish postal address, by contacting the Credit Reference Agencies. Banks can be a bit naughty in not advising Debt Collection Agencies of foreign correspondence addresses,  so you might want the Banks to confirm in writing to you, that they have noted your Spanish correspondence address. The Banks might want proof of the Spanish address, which you can provide with the Spanish Post Office box confirmation or Spanish residency document.

 

Not worth offering the Bank any money. You could send them a letter explaining your financial problems and asking them about the process of the reviewing any full & final settlement offer, if you did not want to go down the insolvency route. The Bank will not be very interested, beyond telling you to obtain independent debt advice.  Most Banks would rather write off the debt and sell it on to Debt Buyers.  

 

 


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

I had a  27k debt with HSBC back in 2007. Then I went off to Canada, didn't pay them back anything, moved back to the UK in 2010, didn't pay them back anything.  The debts were off my Credit file and statute barred in 2014.  At this point there was nothing HSBC could do to chase me, and any lender looking at my Credit file would have no idea that it had ever existed either.

 

If I would have paid of 4500, it would have made zero difference.  It's the same for you.

Edited by London1971

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Thankyou both for your replies. One last thing is there a template or particular wording I should use to address all creditors? Do I just write to them giving the cc number or bank account number saying, sorry I have no job, my circumstances have changed and have left the UK here’s my pobox address and email to contact me? Or something more? Do I mention that I have notified all credit agencies too, with regards to me being no longer in the UK? Thanks again for all your adviser 

Share this post


Link to post
Share on other sites

Just send your address

Use their ref or credit account number so they know what you are on about

Nothing more


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

 

Share this post


Link to post
Share on other sites

 

Hi all,

I have two credit cards with Virgin that I have kept for emergencies only,

I have run up huge debts on loans and other cards but kept these two clear, as I have since lost my job and my loans and other cards are now not going to get paid,

 

whilst I understand my credit rating is going to get slashed etc etc,

Will these cards get revoked back,

will they still work should I ever use one? 

 

Just assumed that once your credit file has been severely damaged, other companies would then not want the risk...am I correct thinking this?

Or would I be better just handing them back?

Share this post


Link to post
Share on other sites

Well I'm very sorry to hear of your difficulties. This kind of stuff can be very frightening and very depressing.

It is certainly unlikely that the cars will be revoked – unless something happens to draw the issuers'attention to your new situation.

On the other hand, although it may be very tempting to keep these cards available for a "rainy day" I would say that it is a very dangerous thing to do.

My own personal advice is that you would be best off cutting them up before you are sidetracked by a moment of weakness.

Then tell us about all the other debts that you have and we will see if we can give you any advice as to how to handle them.

I would suggest that you do this as soon as possible because if your loans are going to get paid then it will only be a very short time before you start receiving letters and threats and you feel even worse about your situation.

So get the scissors out, cut the cards up – and stop your situation getting any worse and then start telling us the rest of the story and will see if we can help you make things a bit better.


Share this post


Link to post
Share on other sites

they would have to contact you with their new terms of business so cant just revoke the card.

However, you should cut the card up now as you already have enough problems and acquiring more debt is not going to help you one bit.

You can tell us about your other debts if you wish, creditors will prefer to know where they stand rather than be forced to take action so get things all listed and we can offer advice on how to priorotise things and what to say to your creditors to minimise the effects of the debts.

Share this post


Link to post
Share on other sites

many thanks, Yes I am going to destroy them and then ask for the accounts to be closed. 

 

Share this post


Link to post
Share on other sites

Quick  couple of questions,

 

As previous posted am moving to Spain and as  advised will contact all creditors with my new PO Box address (plus copy on contract as proof) and email for them to contact me,

 

I understand that some banks and some card companies will not accept you have moved abroad and update you credit record, so do I contact the likes of Equifax, Experien before I leave to give them my details? 

 

Finally

the house I live in is owned by my partner and is all in his name, i have NOTHING in my name at the property, cars etc.

 

If one of the above is transferred to a Debt Recovery Agency

can they come after him?

Can they lodge a 'charge' or anything against the house..

 

.all the cards (4 in total and bank loan) were all taken out in my own name and when I completed the applications I was classed as 'Other' not home Owner..

 

then I was told I can be accused of obtaining the cards through fraud!!!

I have lived in the house for over 10 years but its not mine.

..now very worried.

..any advice xx

Share this post


Link to post
Share on other sites

No and no.

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

 as long as he understands that they have no powers to say or do anything . They will tell lies to get moeny out of people even if it is the wrong person

Share this post


Link to post
Share on other sites

I have merged your numerous threads all related to your move to spain

its a lot better to keep to one topic please


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

 

Share this post


Link to post
Share on other sites

and where are you reading all this rubbish from?

a DCA is not a bailiff and have ZERO legal powers to do anything!!

 

dx

 


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

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...