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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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Loan Maker Broker/Advantage/ADV2/Paragon/MARS - Secured 2nd charge debt consolidation Loan May 2007 - still owe more than i borrowed!!


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I made a complaint,

i said to them that i will be paying what the SPO says and i didnt appreciate them trying to make me remortgage ,

I am just worried that since they have the SPO they can go for court hearing and a repossession.

I just need to get this sorted now but they make say that all the charges are lawful ,

i dont know how to argue that

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well you didnt ask did you...what complaint did you send and when...

 

get the CIsheet done please

how much do they owe you?

 

let it goto court and slap the CIsheet infront of the judge..here mate..i'm not paying another penny they owe me...

 

ofcourse these fleecers will say their unlawful penalty charges are lawful, they're the ones that are charging you them you from day one.

 

dx

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i just said i would like this call raised as a complaint as i dont appreciate being forced into a remortgage and how its been handled.

 

Is it right they cant change the SPO or make me pay more? can they make me do an income / exp? they say they have to have a review

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All of this has been discussed already in this thread several times 

 

 

Remortgage.  Oh right and make their fake balance with all the penalty secured and legal.. stop talking on the ruddy phone.. each time you say I won't and you do and it spooks you..

 

Dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i get anxious as letters are worded so scarily... i just want to know my rights while they try and make me put my payments up, i am right in saying they cant change a SPO?

just spoke to a shelter advisor

you will already know all this.

1) i dont have to up my payments i just comply with what the court ordered amount is

2) i can apply for a variation but so they can they , but if i can show its not affordable to me they wont bother

3) Them telling me to remortgage etc is just a bullish tactic they have and take no notice

4) I dont have to complete their income / expenditure i can do my own financial statement 

they had wanted me to do their income / exp , send bank details and do a credit search??

when they call back later today , i will just say everything in writing from now on, i will not be answering any calls, i will put this in writing , though am sure i did years ago

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Why not just block their number totally 

Stop being a dumb debtor and take control 

Have you every statement from day one now 

Time to hit back hard 

Dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no i only have the early ones not from this company ,

my SAR was never delivered as i put wrong address ,

i am going to send SAR today recorded delivery

 

i have statements from first company , need paragon too.

Once i have these it'll take me weeks and weeks i suspect to add all to the CI sheet. 

 

I am hoping to not owe anything but i am prepared to pay a small settlement fee

 

as much as i want to sort this i am quite an anxious person who has suffered badly and been quite ill so have always held back from rocking the boat too much but its a crippling debt, i just dont want to lose my home

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You cant

your main mortgage is with halidax.

 

please get every statement.

this has been going on for 13yrs now

and youve still never bothered to do what people advised from day one.

 

Sar!!

reclaim

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ive just always been scared to

 

So .. SAR and sort that out

shall i also re-put in writing that to contact me by letter only

 

shall i send in my own financial statement ( my own step change income / exp ) 

 

manager just called back - i said ill be paying my court ordered amount and myself and husband will not be taking calls and wish everything to be in writing going forward.

SAR printed - going in post at 4pm

 

Thank you for giving me the boost again - i dont feel scared they will go for me as i have been paying not missed any payments and hopefully in the next few months we will be free of this ,

 

though not sure how i enforce this once i see whats been paid in fees / charges and what i still owe? am unsure how much interest i am expected to pay ... do i ask for it to be looked at in court or just write to the company itself

 

sorry what do you need , how do i give you every statement ..? 

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you do neither.

 

if they want their pound of flesh - as i said numerous times before , you let them goto court.

 

23 hours ago, dx100uk said:

let it goto court and slap the CIsheet infront of the judge..here mate..i'm not paying another penny they owe me...

 

we need to see in ONE MULTI PAGE PDF

every statement from DAY ONE

from every company that has ever had their hands on this debt.

 

in 13yrs despite being told over 30 times to SAR everyone you never have

and have never posted the statements here.

 

13yrs waste of our time till you do.

 

read upload.

 

 

  • Sad 1

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I dont think i am wasting your time , i just needed advice and i always never got as far as doing the CI sheet.

Everything is sent and hopefully they will send it all , do you think they will try take to court in the mean time?  or try get more money from me eg.. try change the SP order in court

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Havent to date.

 

Dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Just wondering if this new tactic of saying my payments don’t cover or will pay off the loan in time is to make me pay up as they want rid of the debt with them being classed as a vulture fund ( something like that )

 

I think though they may not as I can’t see the judge siding with them when I have been paying ?

Is this right ?

 

You have so much more experience and know what judges and companies like this do

 

Meant to say I just have to hear some positive thoughts and it gives me the determination to fight but I don’t want to be fighting for nothing 

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The cisheet will be a very good insurance policy .

 

Stop worrying about court, that's the best place for this to be, as I said before - expose them and you get to do it free of charge too .

 

Dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

But what if they try get to court before I have all the SAR details etc to hit them with

can I ask for more time .. say I have been paying SPO I can’t afford to up my payments but show evidence so far of the charges - can I be given more time

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As you already know it takes months to get you in court.

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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@morgan8080

 

It may help others, if you can please provide a summary of where you are with the debts that are the subject of this thread.

 

 

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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  • 3 weeks later...

fixed sum penalty fees...£12 3£0 £40 etc etc.

letters/debt collection/visit/arreas/phone call/it's raining today- your fault etc etc

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Can't hurt to wait a week only 

 

Dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 months later...

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 5 weeks later...

once i have finished with the CIS sheet - how do i get this in court and say i won't be paying anymore if ive paid over the amount owed . In the current climate are they more likely to try and cling on to the debt and try scare me off 

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