Jump to content


  • Tweets

  • Posts

    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
    • you need to respond to their letter saying that you belive that you ahve been paid correctly ( or underpaid if you are due a small amount of accrued holiday pay etc) and demand that they show a full account of what you received, when and why and how they arrived at this figure. You then reconcile that with your P45 and use the figures to bat off any furhter demands if they still akke one. Come back if they dotn drop the matter and give us the full breakdown on hours worked, hourly rate, gross pay, tax paid  etc
    • @dx100ukI never got a response to my SAR from Octopus.   But I have just received a 'letter before court action' from one of their legal representatives, who have been "instructed to consider legal action against [me] if full payment, a settlement or your proposals to make suitable repayments arrangements are not received in the next 30 days."   I'm reading the threads now. Any advice on how to proceed? 
    • I would say let them do their worst, it will surely backfire on them. Now with restrictive contracts that stop you working fro competitors- these are notoriously vague so often not worth the paper they are written on. also they have to be fair so for example if there are only 2 companies in the UK that make a certain product your employer cant say you arent allowed to work for the other one. If you were for example trained as a hairdersser and you were going to open a salon in the next street to your ex employer then the restriction would apply if worded correctly. Dont panic about this, your new employer will be au fait with the situation and time spent worrying about a nastly letter will in their eyes take you eye off the ball so concentrate on the new job.
  • Our picks

Heretolearn

Owe Money on Credit Cards looking likely to default-any Advice Please

Recommended Posts

Can anyone advise

 

Owe

Vanquis 4,000

Capital one 1,000

Aqua 1,200

Marbles 1,000

 

looking likely they are all going to default this month,

 

 

offered £12 a month /token payment,

only capital one is playing ball

others are screaming for income/expenditure, which i refuse to do,

 

 

sent them proof i am in receipt of benefits,

still want income/expenditure,

 

 

over the phone(yep cajoling)and I will not give this to them,

what will be the likely outcome...?

will it be sent off to to DCA's in a few months? ,

after they get fed up of asking for income/expenditure..

 

 

.I am seriously considering a DRO as well,

 

And to add, all these cards were taken out in 2015

Share this post


Link to post
Share on other sites

you will have to do yourself a income and expenditure to see how much you can offer all of them pro rata ,

 

when you have done the budget you have a amount left over and that is the amount you can offer to your creditors and not a penny more ,

 

citizen advice can help national debt helpline .

 

I cant see your problem about sending them a I @ E ,

national debt helpline has one that you complete and

one version is the one you send to your creditors ,

 

Since you are not sending them a I @ E I am not surprised they won't help .

 

I have just negotiated freezing of all interest etc due to a serve change of circumstances

so I sent them all a I @ E with a covering letter explaining the circumstances and all of them played ball .

Share this post


Link to post
Share on other sites

Thanks for your reply, mulling over it, I probably will just keep paying £12 a month to them , then do a DRO probably in December , my credit is trashed anyway , regardless of not doing a income/expenditure, currently it will take me years to pay them back

Share this post


Link to post
Share on other sites

First thing, write to them and explain. If you cant write, you can call, but you MUST record the call in full.

 

Dont do a DRO or IVA.


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

Share this post


Link to post
Share on other sites

If your only form of income is social security, then all they get is £1 a month each, so that is a fiver.

 

There is no legal responsibility to send anyone an I&E form, this is your own personal confidential info, and something for you to work from in paying your creditors.

 

Have you informed them that you are in financial difficulty?

 

Have you reclaimed any/all penalty fees they've added to these accounts?

 

Have they stopped adding interest?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Hi

I have written two letters to them explaining my financial situation , and requested in both to freeze interest etc,

the last letter I enclosed a copy of my benefit entitlement, certain personal , i.e NI number redacted

 

I offered in the last letter a token payment of 12 per month, its actually less ( thats just a general figure) ,

 

 

i have already made 1 months token payments to them,

however all want a income/expenditure ,

I even called and spoke to each one to confirm they had received said letters and all said yes,

and still wanted me to spend 3o mins on the phone going through an I/E which I am not prepared to do,

 

 

we all know they are cajoling to squeeze every penny, and frankly its 30 mins I can put to better use,

as Uncle bulgaria quotes above there is no legal obligation to do this,

and I quoted this to them,

still they advised they will not accept a token payment agreement without I/E ,

 

 

I am not hiding anything, but if I am under no legal obligation to provide it, I will carry on making token payments to them

 

the worry i have about DRO is I am currently in the throes of operating a business start up , no income yet , and a dro may effect it, although it is in someones else's name (directorship)

Share this post


Link to post
Share on other sites

Don't worry about a DRO yet, cross that bridge when you come to it, if indeed you do.

 

Stay OFF the phone to them, ringing them is about as useful as teaching my cat to drive.

 

Keep everything in writing, TELL them that you're in financial difficulty, and for the next six months you will make them a token payment of £1 a month, this YOU will review in six months time and will inform them of any change.

As a reciprocal GOGW they will freeze any interest and charges to assist you in reducing the amount.

 

Have a look through the letter templates in the library above, ensure you keep a diary of events, copies of everything you send them, and always always, obtain 'proof of posting' which is free from the PO counter.

 

If they ring, laugh and hang up, keep a diary of their calls, if they persist, then tell them ''everything in writing'' and hang up, and follow it up sending the telephone harassment letter.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

if you've sent them the 1st letter from the debt collection section of the library

and they are refusing

send them the 2nd one that states

shame you didn't help me

now you are only getting £1PCM

 

 

agree not to send any the I&E too

none of their business

as all they'll do it sell it on to a DCA sometime soon

and you most certainly want them having that info!!


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

spreadsheets 

 

Share this post


Link to post
Share on other sites
Don't worry about a DRO yet, cross that bridge when you come to it, if indeed you do.

 

Stay OFF the phone to them, ringing them is about as useful as teaching my cat to drive.

 

Keep everything in writing, TELL them that you're in financial difficulty, and for the next six months you will make them a token payment of £1 a month, this YOU will review in six months time and will inform them of any change.

As a reciprocal GOGW they will freeze any interest and charges to assist you in reducing the amount.

 

Have a look through the letter templates in the library above, ensure you keep a diary of events, copies of everything you send them, and always always, obtain 'proof of posting' which is free from the PO counter.

 

If they ring, laugh and hang up, keep a diary of their calls, if they persist, then tell them ''everything in writing'' and hang up, and follow it up sending the telephone harassment letter.

 

Thanks Bazooka Boo for the advice, I have researched on here loads,...probaly see another thread of mine that is currently ongoing, was just confused slightly on the I/E as there seems to be a difference of opinion on this

Yeah I am keeping copies of everything Send, and proof , yeah will stay off the phone and now block them, may even send another letter the third asking to freeze interest rates etc

 

if you've sent them the 1st letter from the debt collection section of the library

and they are refusing

send them the 2nd one that states

shame you didn't help me

now you are only getting £1PCM

 

 

agree not to send any the I&E too

none of their business

as all they'll do it sell it on to a DCA sometime soon

and you most certainly want them having that info!!

 

 

Thats why I am loath to give the I/E to them

Share this post


Link to post
Share on other sites

Then don't.

  • Confused 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Thanks , would not know how to get through without this board, these cards were not spent on luxuries or frivolous stuff, basic living ,I was not a JAM even!!

Share this post


Link to post
Share on other sites

Any of them that fail to help you, and freeze interest, stop charges, then they get £1 a month for the life of the debt, end of.

 

If they won't play ball then you can award them the minimum legal token payment, and they'll have to lump it!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Hi all

update on this thread

I did sent up a token payment plan through bank /standing order etc to all 4 creditors

 

unfortunately Marbles have passed this onto frederick international this week..

.who are performing as a DCA sees fit..

.non stop emails/calls/text etc..any advice

 

...do i keep with the so I set up with these Card companies...ignore frederick ...

 

also sent 4 letters to all of them requesting freezing of interest/fees....still they keep piling on the interest etc

Share this post


Link to post
Share on other sites

who are freds clients?

 

if they've not frozen int etc

then send the second letter from the DCA forum

sorry you've failed to help me

you are only getting £1PCM now till I die.

 

already said this in post 8


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

ignore then


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

So just carry on with token payments to original cc companies and ignore fred...even though marbles has passed original debt to fred ...?

Share this post


Link to post
Share on other sites

you can always ignore every DCA

they are not bailiffs and no legal powers whatsoever.

even if they own the debt.

 

if they are operating for a client, then they have even less legal powers :madgrin:


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Cool, just donated a little bit to the site, will do every time i get a solution...methinks I will be busy on here on over the month or so...VERY are up next

Share this post


Link to post
Share on other sites

If they are calling you, then report them to Ofcom for the misuse of the telecoms network, and also to the FCA for harassing debtors.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Wow this frederick international are really something else constant emails, text, using different numbers for phone calls, time to report them

Share this post


Link to post
Share on other sites

Ofcom, the FCA, and your local MP.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites
Wow this frederick international are really something else constant emails, text, using different numbers for phone calls, time to report them

 

And the best thing of all, they have no rights at all :) Fire off a complaint to them, ofcom, fca. Leave your MP out of it until you get resolution through those channels.


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

Share this post


Link to post
Share on other sites

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...