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    • No problem. Just thinking - if you are not named on the mortgage why is the lender discussing with you? 
    • I'm gonna try fill out income expenditure later on this afternoon hun x  
    • I am inquiring about how older, single people are treated on UC and how often they are likely to be sanctioned compared to other age groups.   I am 47 in September and have always been Single, and if I was to be put onto Universal Credit soon (as I think I may be) then I am wondering how often people in my group would be at risk of sanction. I have seen charts where, the older the claimant is, the chances of sanction are less likely, but I have not been able to find out information about single people. I have seen a pie chart of that kind mentioning single parents or couples and even disabled people, but no mention of single people at all. Are people in my group hit hardest or not?   I am currently on ESA as I have a physical "limitation" and have mental health issues (anxiety and paranoia) but I heard that next year, everyone on legacy benefits will be moved over onto UC. Is that still the plan?  
    • Hello and good morning, I have been informed that my DLA is stopping and was asked if I wanted to claim PIP which I have done over the phone. I was hoping to download the form online until the proper form arrives in the post. I thought if I could fill in the forms with a little more time to consider my answers without the pressure of returning the completed forms on the dates that they require. Does anyone know whether the 2018 forms are the same for 2019 because I don't want to download them if the government has decided to change anything. Thank you for any help you could give me. Alan.
    • Thats what was reported as being the 'offer to labour wasn't it -   Effectively that they will agree that we will each aspire to have the option to pursue what we like, and whoever is next in power can pursue what they like. - ergo Gobbledegook meaning Nowt positive apart from limiting choices further per Mays withdrawal agreement limitations and making a hard no deal exit or indefinite uncertainty; both devastating UK investment and business; almost certain     I think that Johnson being voted in to be the scapegoat May was intended to be would cause an actual split in the Tory Party rather than just the internal war that's occurring.. I have severe doubts he would get in anyway - but he could probably end up as effective 2nd in power continuing the increased levels of backstabbing, power politicking and conflict in the Tory party.       Voting Lib Dem or Green in England and SNP in Scotland  seems to be the ONLY options for remainers, even if they are just there to promote a revoke/re-ref.   Not sure on the Welsh position          
  • 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
George43

Intrum SD for old HBOS credit card debt ***Withdrawn***

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I have received statutory demand from Debt collector  late April.  

It was served through the letter box. 

It is the fourth debt collector since 2016 for the same debt from the same bank.


The account with the bank was opened about 10 years ago and was in default since 2016.
I have not been in contact with Debt Collector since they purchased the debt in November last year.


The first paragraph in the box of debt description in the statutory demand  is:
"The debtor entered into contract with bank ...

And was given the account number ...

The debtor failed to adhere to the contract terms and conditions."


The only prove of my debt the collector has (it seems) is the letter of assignment from the bank.


I am going to request CCA from them. 

 

How to set aside the statutory demand?

Please help

 

 


 

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Intrum Justitia, Halifax, £9200.

thank you 

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Do you have any other debts ?

 

Do you own any assets e.g. House ?


We could do with some help from you.

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Credit card which I stopped paying in 2016

I have a house with equity

I have other debts too

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But I can't get remortgage or debt management plan because I don't worl

No, nothing

Few usual threatening letters

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You can get a DMP :) Its informal and also doesnt show up on your Credit Files per se. This will be a defaulted account so will be  shown on your CRA anyway. 

Lets deal with this Stat Demand for you...

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Previous 3 debt collectors were sending similar letters

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Please please, I have only one week left 

Robinson Way, CSL and Moorcroft

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I have studied the linked post to the detail.

 

It was the first time I think I received the notice of assignment from halifax

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How can I ask creditor to set demand aside if only now I am going to ask for CCA?

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When did you orginally take out this credit card ? 

 

Did you contact Halifax concerning issues of hardship and not being able to make payments ?

 

Have you got copies of all statements from Halifax to see whether loads of excessive charges have been added ?

 

Have you got a copy of the default notice from Halifax that would have been sent to you, a month or two after you stopping making repayments ?


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

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This was the last letter before statutory demand

image.jpg

 

This was Halifax letter posted by Intrum in their first letter, no barcodes

image.jpg

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I took that card about 20 years ago.

i never contacted Halifax that I couldn’t pay.

i can’t remember about charges or default notice

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Do you have the Stat Demand Letter? 

 

20 Years ago? Fat chance they will have an agreement for it! Yikes... 

Before 2k7 - Recon from my understanding is not valid. A Card that old would have numerous T&C changes made to it which they would have to supply as part of their case. 

 

 

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Sorry it was 10 years ago

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The credit card account was opened in 2008

The demand was served by process server and it looks like one from focus website

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what date is on the SD please

what date is on the attached letter left in your letterbox from the process server or the date he signed it?

he cant just leave it in your letterbox unless he can prove previous failure to deliver in person.

so what letters of recent have you from the process server?

 

dx

 


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He posted first class the second letter

 

He came in person as I found letter asking me to contact me without saying anything what was that about.

then he posted letter that he would deliver it on the 30th irrelevant if I am not there if I don’t agree other time.

 

then it was posted through letter box on the 30th without any date, stamp on envelope or date on statutory demand

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