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    • 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..      
    • I have amended the pdf documents  02-20-2020-10_36.24(1).pdf
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prince percy

Safety Net Credit - Pre Action Protoccol

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Hello, 

 

I need some advice on a old payday loan, i have done a quick search but couldn't find anything on the site that relates my situation.

please point me in the right direction if this is covered elsewhere.

 

Long story short

a couple of years ago we were in real difficulty with money and fell into the trap of payday loans.

Ended up with Safety Net in the end as it was easier to borrow smaller amounts but it snowballed to £1108.50.

 

I then decided that i needed to get my finances back in order, stopped paying them and have ignored them since.

 

I now have a letter form a solicitor with a pre-action protocol asking for payments ect and i'm not sure how to proceed?

 

I made a complaint to Safety Net in November last year about irresponsible lending but i never heard anything back and then kind of forgot about following it up.

 

I have re-sent them the complaint email today and also made a subject access request to get the credit agreement and any of the application details they hold on me. 

 

am i right that they can't proceed with court with the complaint open?

 

do i need to start communicating with the solicitor and tell them this?

 

Many thanks

 

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you must reply to the PAP letter 

 

read this topic

 

then follow as post 6


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

 

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I'm not sure if the debt has been sold onto a DCA it showing as owed to Indigo Michael on my credit report and i don;t remember any letters from DCA. Would they start the court action without selling the debt?

 

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Who asked if it had been?

Yes many pdl co's do do court now

look at the sols letter...it will say 'our client'...they are the owners.


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

 

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i'm just finalising this PAP and am not sure on what reason i can dispute the debt other than they have not sent CCA or other paperwork, Sorry if i'm being thick but is this what i need to put?

 

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Yes and possibly Irresponsible lending and none compliance to you DSAR ?


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

 

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Just to update on this.

 

Safety Net have written and agreed they lent irresponsibly and have agreed to refund me interest paid on loans taken out with them so this covered what was outstanding plus a bit more.

 

Thanks for the help with this. I will be making a donation at the end of the month when I get paid.

 

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Well done...let us know when you get the refund and we will update your thread title....and many thanks for the forth coming donation.

 

Regards

 

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

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hey glad to help

 

good result.

 

now go hit any other PDL's you had...???:lol::lol:
 


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

 

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