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    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
    • Hi   What date did they move into the Property & when did the Tenancy end?   How long was the initial Tenancy Agreement for?   Did you pay a Deposit/Holding Deposit for the Property?   Exactly what Notice of Arrears was given and when(what date)? (if for rent arrears)   Are they still in the Property or have they ended their Tenancy as per the Notice requirement to end that tenancy?   Is the Claim for Rent Arrears/Damages etc.?   Have you sent a Subject Access Request (SAR) which is free(due to GDPR) to the Landlord/Letting Agent asking for 'ALL DATA'?    
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ugo2slo

CAN I CLAIM HOUSING BENEFIT IF I GET PIP ONLY?

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Unclebulgaria has provided links to the guide, but maybe you should go to CAB with the evidence and ask for help, check on the legalities of recording calls, but surely it is OK if you are dealing with a Department that openly says it might or will record calls for whatever purpose. 

 

Devil and deep with DWP, as if you say you are recording a call they will hang up so best to record and be damned rather than not have evidence. . 

 

Might well be worth seeing MP at surgery with copies of evidence it has gone beyondludicrous for you now, and smacks of something out of Franz Kafka.

 

Regarding recording calls on Smartphones, most Xiaomi, and some Huawei/Honor phoners have call recording baked into their OS so no need to download apps that might not work.


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Yes thank you again. As you said better I have the recording and it be illegal then have nothing and be a fool. Especially when DWP said they don't record out going calls. Could this be because they know that their DMs sometimes go out of line??

 

I used the app Otter (hope I'm not breaking any advertising rules if I am please delete) as it also transcribes and ACR as it saves to Drive, Dropbox or Cloud.

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Don't think it matters about naming the app you use, it might help other Caggers who have tried other apps and they haven't worked for them, main thing is only show or allow people involved in puruing youir case access, putting recordings up on Souncloud etc is a no no, store them on a pendrive and another secure location in case anything happens to the phone.  My phone has an inbuilt app that works well.

 

Once you have seen CAB might be worth a SAR to DWP regarding any recordings they have of calls from you.

 

Have the Council accepted your claim for HB?


We could do with some help from you.

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

 

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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1 hour ago, brassnecked said:

Don't think it matters about naming the app you use, it might help other Caggers who have tried other apps and they haven't worked for them, main thing is only show or allow people involved in puruing youir case access, putting recordings up on Souncloud etc is a no no, store them on a pendrive and another secure location in case anything happens to the phone.  My phone has an inbuilt app that works well.

 

Once you have seen CAB might be worth a SAR to DWP regarding any recordings they have of calls from you.

 

Have the Council accepted your claim for HB?

 

Yes you are correct I moved all recordings to a usb, SD card and even iPad for safety. I am calling the council now as on my account still says claim active but suspended with next due date as 27/5. If not paid by then I will be 8 weeks in arrears and landlord will issue me with a notice to vacate.

 

That DM has really destroyed my life that wasn't all that great to begin with. But before she popped up I only had to worry about dialysis. Now I have lost 20kg in weight since her first contact beginning of March. I am recovering from lung infection past 5 days and as I am 51 and alone I can't exactly just get up and go. My finances since 27/3 have been £228 that's all.

 

And I want to thank you all for your advice and understanding and also want to say everything I say is all fact, no embellishments or non truths. I will return after I speak to council and civil legal.

 

Thank you.

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On 15/05/2019 at 11:40, ugo2slo said:

 

Yes you are correct I moved all recordings to a usb, SD card and even iPad for safety. I am calling the council now as on my account still says claim active but suspended with next due date as 27/5. If not paid by then I will be 8 weeks in arrears and landlord will issue me with a notice to vacate.

 

That DM has really destroyed my life that wasn't all that great to begin with. But before she popped up I only had to worry about dialysis. Now I have lost 20kg in weight since her first contact beginning of March. I am recovering from lung infection past 5 days and as I am 51 and alone I can't exactly just get up and go. My finances since 27/3 have been £228 that's all.

 

And I want to thank you all for your advice and understanding and also want to say everything I say is all fact, no embellishments or non truths. I will return after I speak to council and civil legal.

 

Thank you

 

LATEST: I spoke to CAB and there is a case to answer as the person I spoke to use to be a DM for DWP. He said the lady was wrong to stay on the phone while she ordered me to the job center, she should have called me back when I got there or had them call her. I'm to seek legal advice and so I do not predudice the case should not make further comments here about it.

 

So  I will keep you informed of my progress in weeks to come.

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Thanks, thought there would be a way of nailing them.  Post back when you have a result please so we can help further if required.


We could do with some help from you.

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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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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