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    • Hi Guys   I really could to with a bit of advice.   I have used the surname A (we will call it that to help with the explanation....lol) all my life. Name A is on everything i need my name for on a regular basis (my birth certificate, driving licence, bank accounts, utility bills, doctors....etc).   Now as a child my mum remarried and thought it a good idea in all her wisdom to ask the school to put a name B on my file.   So when it came time for my national insurance number came it had the name B on it.   Inland revenue said that there wasn’t a problem with this as long as i never try and do anything fraudulently (trying to obtain benefits in two names…etc) but later in life there was a few problems with ID not matching, so I spoke to a solicitor and they wrote me out a stator declaration stating that the person with the surname B and national insurance number is the same person as the person with name A.   This has always worked perfectly with any issues that arose up until I applied for a passport.   Now on to my actual problem….   I’ll try and keep this a bit shorted as the passport office has constantly messed things up and either contradicted themselves or apologised.     I applied for a first UK passport and as I’m English and fall within a certain age bracket all I had to send them was a form filled in by someone that has known me for a number of years. I sent this off and received a letter stating they needed more information and I needed to contact them. This then turned into the actual decision maker calling me back the following day.   She said that because I had put that I had been known by name B once that they would need to see that I have changed my name to name A.   After explaining the situation with her about name B and that there is nothing really that I can change as I only use name A, she requested that I send in my birth certificate so she could complete the application.   I sent this in and had a repeat letter from them saying they needed more information and I had to get the decision maker to call me back again.   This time she said she would need a stator declaration to explain the name. I said I have one of those (I actually forgot I had it until she requested it) but explained that it wasn’t a change of name and just explaining that the person with name A is the same person as name B. she asked me to read it out word for word to make sure it had the right heading…etc and said for me to send in the statutory declaration, driving licence a bank statement and a recent utility bill.   I sent this all in and guess what…… I get another letter saying they need more information.   So we go down the same route with a call back only this time she says she wants a letter from HMRC in the name A and a statutory declaration stating I have changed my name from name B to name A.   I reminded her about the situation with the names and explained that HMRC say there is not a problem with my name and that I would in effect be lying to a solicitor as im not changing my name to name A because its already name A.   She then completely changed her tone and started going on about me also needing to sit an interview…etc (that I expected anyway) and that if she was to give me a passport then there would be nothing stopping me from getting a passport in name B. I then said ok ill go ahead and have the passport in name B but she said a letter from HMRC is not enough to get a passport.     This has gone back and forth with different departments and I had to make a complaint (even that was a problem because I had normal representatives claiming to be from the complaints department so they didn’t actually open a complaint).     It’s got to the point now that I need to get the ombudsman to step in.   I had a consultation with solicitor that agreed that I’m completely in the right and said went down the lines of the fact that it’s not a legal requirement to have name A with HMRC and it can be presumed that I am going to do something fraudulently. And he likened it to a woman that has got married and can use her maiden name as well as her married name (there’s not one rule for one and one for another as this is discrimination).   I need to send something off to the ombudsman so I was wondering if there was some legal stuff I could quote?     Thanks for any help given and sorry for the long post….lol
    • The bigger arguments were   You need to stay in the UK to stay in the EU - and the UK would veto Scotlands entry - they cant now   Currency - you cant use the UKP - many arguments contrary to that and Scotalnd could easily choose dual currency - rather like the english and scottish fivers   Finance - For starters: * Kick the nuclear subs out and access the gas and oil and fish in those Scottish waters for a 10 year plus boom with no England interference and bleeding dry - as Scotland gets established in the EU * Fishing (in agreement with the EU and Norway etc was always more important to scotland and the tocks are moving North * Become the route from Ireland and the US to the EU - ask Dover etc how profitable that was *** Demand a full breakdown and legitimacy of the part of the UKs debt they might be expected to share - including the 100billion chumocracy payments .. if England dare ask   Hows that for starters?
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    • Hi.   As far as I can see, you haven't read any other private parking threads to understand how this works. If you don't mind my saying, you need to read more threads so you grasp the whole process.   HB
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Mother been Paying DCA's through Stepchange £400pcm for +8yrs - still £9k to pay - Best way to make F&F offers?


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Thanks dx100uk. We would like to go down the F&F route. We are in a position now where I can lend my parents a sum to let them move on from this.

 

Should we do the F&F offer separate to the reclaim or in conjunction? i.e. we owe £2,300 minus the £500 unlawful fees = £1,800 30% offer of £540?

 

Any recommendations on the best way to do this, taking into account the above? Are there any templates you recommend using?

 

Mum also mentioned she was charged a lot of money going slightly over her Halifax overdraft to pay this (like £30 charge for going £10 over...) - is that something we should also look into claiming back? She mentioned seeing something on MSE about it - is there are a subforum on here with information around that?

 

 

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as for cap1 there are letters to use in the debt collection section of our library

inc your fees spreadsheets.

i doubt cap1 will bite though.

 

is the OD still with halifax?

 

 

  • Thanks 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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Thanks dx. I'm struggling to find the right letter to make a F&F offer on there. Any problems with using the National Debtline one? https://www.nationaldebtline.org/sample-letters/full-and-final-settlement-offer/?

 

No, the od isn't with Halifax any more. Thankfully my Mum is out of it and has switched bank accounts to First direct. The article she read was: https://www.moneysavingexpert.com/reclaim/bank-charges/

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we used to have one not sure where.

just remember this is no longer on her file and can't comeback so don't let here feel she is indebted to pay them any high sums £pcm should they refuse to F&F.

 

don't forget there are the other letters there offering a lower £pcm and if they refuse the one to drop them to £1 PCM for life if they rufue to help.. time on all fronts she took control of HER money, not let others control it, she's paid upwards of +£30k to all these fleecers, none deserve any special treatment now massive monthly payment.

 

the OD is long dead simply stop paying, any charges reclaim will simply be removed from their already fictitious balance not to her pocket.

 

 

 

  • Thanks 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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  • dx100uk changed the title to Mother been Paying DCA's through Stepchange £400pcm for +8yrs - still £9k to pay - Best way to make F&F offers?

Thank you. What % do you think we should start with for cap1? 20%?

 

We've also received the CCA for a couple of the MBNA debts that now sit with link financial. Please see attached. The one for my Mum seems very lightweight compared to the one for my Dad... Are these correct? If not, what should we do?

 

I guess if they are valid this changes the strategy similar to cap1 - pay monthly sum again and try and agree a F&F settlement offer?

 

 

 

MBNA_CCA_Dad (1).pdf MBNA-CCA-Mum.pdf

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is the IP address traceable to the area they live in?

as for the signature on the other, i will guess its correct?

 

dx

 

  • Thanks 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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Share on other sites

I've done a reverse IP lookup, and it's traceable to their general post code but not our exact post code e.g. It's M5 rather than M12 but yes, more or less.

 

Yes signature is correct.

 

What do you think? Similar strategy to Cap1? Offer a F&F and if not try to move to minimal payments?

 

Would you give the same initial offer to both (20%) or more to cap1 and less to Link?

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i'd run link, never trust them an inch, one of Link favourite tricks was to re add and charge interest. send an sar to MBNA get all the statements, then same game as cap1.

 

i'm wondering if it might be prudent to simple get a letter constructed now, to send to cap1 and Link, stating due to sever financial hardship, for the next 6mts the payment will be £5PCM. This will be reviewed in 6mts and you will be updated further. Please refrain from adding any interest and/or penalty fees as under the rules of the various organisations like the FCA/FOs that govern you and help me through this hardship period. 

 

i will not enter into any further communication by whatever method upon this arrangement until my review and will consider it harassment.

  • Thanks 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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adapt the pro rata letter in the dca section of our library.?

  • Thanks 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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Share on other sites

Is it necessary to send with the budget spreadsheet?

 

My Dad has actually suffered a loss of income from COVID and will be on SSP for the next 3 months due to an operation so will use that as the reasoning.

 

 

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his income is NOTHING to do with them nor you mums debts.

if you've already sent an I&E with the 1st pro rata, then dont repeat it

  • Thanks 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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Share on other sites

Some of them are in my Dad's name... sorry, I didn't make that clearer, although I'm not sure if it changes much?

 

For the debts we have received CCAs for: 1 of the Link debts is in my Dad's name whilst the other Link and the Cap1 are in my mother's name.

 

I&E was sent via Stepchange 2 months ago. Although it reflects a higher income than now. Would you do it again or just remove the reference of it from the pro rate letter template and send the letters?

 

 

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just remove all ref to it

send the offer and pay it regardless to if they do or dont reply/accept you do NOT need a debts owners permission to pay what is propsed you are simply informing hey this is what you'll get for xxmts..tough if you dont like it.

 

you must take control.

  • Like 1
  • Thanks 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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Posted (edited)

Thank you dx100uk, thanks for all your help.

 

I've made a few amends. Does this look ok?

 

 

Account No/Reference No: XXXXXXXX

 

 

Dear Sir or Madam  

                                                                                      

Since making that above agreement with you, my circumstances have changed. I cannot now afford the previously agreed monthly payments because of severe financial hardship caused by a loss of income due to the coronavirus pandemic and a long term recovery from an operation leading to statutory sick pay.

 

In view of these circumstances, please would you agree to accept a reduced offer of £5.00 per month for the next 6 months.

 

Please refrain from adding any interest and/or penalty fees as under the rules of the various organisations like the FCA / FOs that govern you and help me through this hardship period. 

 

Should my circumstances improve I will contact you again. In the meantime, I would appreciate it if you could send me a paying-in book / standing order form to make it easier to pay you.  

 

Thank you for your assistance, I look forward to hearing from you as soon as possible.

 

 

Yours faithfully,

 

Edited by techno20
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stop begging. !!

 

In view of these circumstances, you will only be getting a reduced payment of £5.00 per month for the next 6 months

 

(can you not pay by bacs? so delete the payment book bit?)

  • Thanks 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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