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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • 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..      
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We've had some generous responses to our request for help but

 

We still need donations

We manage to pay our bills but often it is touch and go

This month we have our accountants bill coming up and we may have difficulty paying it.


If you think that we have helped you then maybe you would like to help us.

Find a donate button on the site

 

Have we helped you ...?


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This site is priceless to it's users. Thank you to all the moderators for everything you do xx

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17 hours ago, micheybabes said:

This site is priceless to it's users. Thank you to all the moderators for everything you do xx

They're something else these guys.  Hope you have it all sorted now

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Payday end of week bankfodder, will donate then. Thank you so much guys for all your hard work xx

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A donation is the least I could do, without this site, the help,  advice and knowledge offerred I would still be in fear of that dreaded phone call or knock on the door. The team on here are amazing thank you so much for all the hard work and effort you all input to make this site work. Ive zero stress levels and not under the pressures I was before signing up. Will donate again before the new year. Thanks !! 😁 

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Thank you very much.  :D

 

HB


Illegitimi non carborundum

 

 

 

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@BankFodder - fortunately, this is the first time I have had to use the site. The information I have found has been far better than anything I've seen elsewhere, and the selfless help of the users is amazing. Payday is fast approaching, and I will do what I can to support.

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On 16/12/2019 at 11:22, Cait116 said:

Payday end of week bankfodder, will donate then. Thank you so much guys for all your hard work xx

 

2 minutes ago, anon060anon said:

@BankFodder - fortunately, this is the first time I have had to use the site. The information I have found has been far better than anything I've seen elsewhere, and the selfless help of the users is amazing. Payday is fast approaching, and I will do what I can to support.

 

Thanks to both of you for these kind messages. If you are able to make donations then of course that would be very helpful but we do realise that Christmas can be an expensive time for everyone.  Whatever you do, don't compromise your Christmas expenditure.


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6 hours ago, BankFodder said:

 

 

Thanks to both of you for these kind messages. If you are able to make donations then of course that would be very helpful but we do realise that Christmas can be an expensive time for everyone.  Whatever you do, don't compromise your Christmas expenditure.

I did donate but I did not send my email details/info over to you with payment as it gives you the option to do so, hope you dont mind me keeping things anonomous same as the site, 

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Of course not. We are very happy to keep everybody anonymous but as it happens your email address was contained on the PayPal notification and I have actually responded. Check your spam folder if you haven't seen it.

If you don't get it – then thank you very much anyway.


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5 hours ago, BankFodder said:

Of course not. We are very happy to keep everybody anonymous but as it happens your email address was contained on the PayPal notification and I have actually responded. Check your spam folder if you haven't seen it.

If you don't get it – then thank you very much anyway.

Yes I received your email thanks. Thats perfectly acceptable anyway, as its to my email address 😄😁

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Happy Christmas Guys,

Just made my donation as I promised, thanks to you guys for everything great site and help.

Absolutely priceless. 

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:yo:     Many thanks for your support...and all the best for the festive season.

 

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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2 hours ago, GoldenGoose said:

Happy Christmas Guys,

Just made my donation as I promised, thanks to you guys for everything great site and help.

Absolutely priceless. 

 

Yes, thank you. I've responded by email.


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:yo:


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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Our users are very kind. :)

 

HB


Illegitimi non carborundum

 

 

 

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Firstship Donated with many thanks for your help

FS

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Donated but not much, I plan on making a few more over the coming months...

 

Just wondering what does it cost the site come bill time?

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Any donation is always helpful. Thank you.

I'm afraid that we don't discuss the running cost of this site but we don't make profits but by and large we have managed reasonably well in the past but in the past few months things have been very difficult. January is the most difficult month because within have to to deal with a bookkeeper and an accountant as well as our normal monthly bills. we don't often make enough to put something by to deal with those larger events.

 

I think this is the first time in 14 years that we have had to put out the begging bowl

 

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I don’t think accountability comes into it, let’s just think about  all the hours and advice available and from my experience quicker than any solicitor, almost immediate response and advice on tap is something you cannot put a price too.

if everyone gave what was affordable in relation to what advice was given the site should not be asking for financial help.

I really hope the donations pay what’s needed or lots of people will be left struggling.

Ask yourself would you do the same for no return, please donate if you can 

 

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18 hours ago, BankFodder said:

January is the most difficult month because within have to to deal with a bookkeeper and an accountant as well as our normal monthly bills. we don't often make enough to put something by to deal with those larger events.

 

 

 

 

It's none of my business of course but I can't imagine that your business is particularly large or complex enough to justify employing accountants and bookkeepers. 

 

This is particularly so when it appears that their cost is disproportionately large in comparison to the other expenses of the company. Crazy really.

 

As a small/medium sized business owner of many years, and not particularly bright at that (!),  learning to prepare and file my own accounts was really quite easy and once I got the hang of it was actually less time consuming than dealing with accountants to do it.

 

Like I said, none of my business but I'd give the same advice to anyone. 

 

 

 

 

 

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5 hours ago, cjcregg said:

 

It's none of my business of course but I can't imagine that your business is particularly large or complex enough to justify employing accountants and bookkeepers. 

 

This is particularly so when it appears that their cost is disproportionately large in comparison to the other expenses of the company. Crazy really.

 

As a small/medium sized business owner of many years, and not particularly bright at that (!),  learning to prepare and file my own accounts was really quite easy and once I got the hang of it was actually less time consuming than dealing with accountants to do it.

 

Like I said, none of my business but I'd give the same advice to anyone. 

 

 

 

I'm afraid that the whole business of keeping the accounts and getting it all sorted out in time is just too much to handle on top of the daily running of the forum. Most people here would realise that I am very hands on and I have been for most of the last 14 years.

 

I don't have the skills I don't have the energy.

 

Also, a few years back we were late in producing our accounts and an administrator from another forum put in a complaint and we ended up having to pay a penalty – which is definitely not what people intend their donations to be used for.  It hit us very hard.

 

As far as the administration of this forum goes I want an easy life and as little conflict as possible. Getting our accounts properly done every year is a luxury that we treat ourselves to and it is well earned and well deserved.

 

Also, you are describing this forum as a "business". It's not a business – Sometimes I wish it was and I wish it was making money – but it's not. This forum is a work of massive personal commitment on the part of the entire site team and all of the people who keep on coming back to help others.

 

I'm afraid that you have badly misjudged the ethos of this community.

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Not been on the site for a few weeks guys. I have made a donation and wish you all well. Thanks for this superb site

which is so useful when you need advice and feel so alone at times.

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10 hours ago, BankFodder said:

 

I'm afraid that the whole business of keeping the accounts and getting it all sorted out in time is just too much to handle on top of the daily running of the forum. Most people here would realise that I am very hands on and I have been for most of the last 14 years.

 

I don't have the skills I don't have the energy.

 

Also, a few years back we were late in producing our accounts and an administrator from another forum put in a complaint and we ended up having to pay a penalty – which is definitely not what people intend their donations to be used for.  It hit us very hard.

 

As far as the administration of this forum goes I want an easy life and as little conflict as possible. Getting our accounts properly done every year is a luxury that we treat ourselves to and it is well earned and well deserved.

 

Also, you are describing this forum as a "business". It's not a business – Sometimes I wish it was and I wish it was making money – but it's not. This forum is a work of massive personal commitment on the part of the entire site team and all of the people who keep on coming back to help others.

 

I'm afraid that you have badly misjudged the ethos of this community.

 

I'm not describing the forum itself as a business but the underlying structure and activity that supports it financially. Unless you treat it as such and look at reducing optional costs such as accountancy you will continue to have to ''put out the begging bowl '' as you put it. It's simply an unescapable commercial reality. Of course it's your choice but not how I'd go about it, that's all.

 

If the ethos of this community is to offer advice freely and unconditionally (which I have genuinely attempted to do in this case) then I do not believe I have misjudged it.

 

 

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