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    • Hi Stuckfast and welcome to CAG   Great job starting to self-manage your debts and listing them out here, you seem proactive and that's a great trait to have when it comes to debts.   You don't mention your partner's income so maybe there is some flexibility there to maintain pro rata payments?   Personally, looking at your list vs income I would consider dropping all of them to £1 per month as per the pro rata process and stating you are having further financial difficulties. The reason I would do this is you are unlikely to clear any of them as it stands and there's little difference in £5-£1 from the creditors point of view, whereas due to the amount of accounts, that's alot of ££'s for you when multiplied. This can be saved initially with a view to perhaps making full and final settlements on the none defaulted smaller accounts in the future but at the very least give you some breathing room for now.   Then, at some point after the companies all default you, they are likely to sell the debt on, at which point you can challenge the DCA's to prove the accounts are enforceable - they are usually not due to how the Original Creditors (OC's) and Debt Collector Agencies (DCA's) carry out this process.   Have a read through the debt forum for similar situations as yourself you'll soon pick up the idea.   You are not alone and there's nothing to be ashamed of - you've done the right thing in reaching out here on CAG, we will help you   Lastly, I disagree with Yorky and do not think you should seek advice from any company that is funded by the financial institutions, advice here is free and if you're willing to learn you can absolutely do all of this yourself.   Don't use the phone - letter's only. Don't complete any income and expenditure forms You've already proven you are willing to take control, continue!   BT  
    • It isnt a great thing to have to worry about all these things. I am sure someone on this site will offer some great advice.   Priority debts need to be sorted first; Rent/Mortgage, Council Tax, Utility   - Dont quote me as I do not know the legal points around this; but Overdrafts, catalouge, card debts are not priority. I would sit down and work out exactly what your priority debts and living costs are, deduct from your income. Look at all your cards, loans overdrafts etc, list them all, starting from the highest interest charging ones, think what and which ones to work out a realistic monthly payment, dont overpay what you cant afford.  I would consider not using the cards etc, as you will be adding to your debt and problems. I would contact someone Like Stepchange or Citizens advice, they will offer you some very good advice and ways of contacting your companies you have debt with. Dont be afraid of your debt companies, write to the fully explaining situation and what you can realistically offer, do not be preasurised into paying more than you can I personally prefer contact by post or e mail rather than telephone. Ive no idea what Factor, Monzo is, but may well fall in line with what Ive said.   Keep a note in a diary of every call you made or who contacted you, ask for names, keep and copy all letters to and from as this may be helpfull further down the line for record keeping.   Do not ignore contact as this just adds more stress for you and the problem wont go away.   Make sure you make your affordable monthly payments, every month, even if they say we wont accept it, its to low.    As you have a lot of stress going on, I would certainly contact someone like Stepchange or Citizens advice,    Good luck
    • Hy. Caring for family adult learning disability; full time, currently unpaid from work, unpaid carer - receive weekly carers allowance This is what I have searched on so far; - can only receive from employment £132 a week, after Tax, NI, deductions in all about £201.00 a week, but this is taxable and needs to be entered on tax submission, but if less than personal allowance then no tax may be paid? - I believe NI is paid as long as you get the carers allowance, although gap between break in employment and start of carers allowance may not be? -Should employment end due to company not happy in change of hrs and I have to leave, then only the carers allowance would for be the income, If UC is applied for would this allowance be deducted from what UC give or the person I cared for be affected - Savings may affect if you get UC or not - Certainly cant be available for looking for work as full time carer   anyone have any points, help or advice on this issue please
    • hy, In a nutshell; - current contract  work part time Mon to Fri 24 hrs - Unpaid year off break to become family member full time carer - Need to either go back to work at end of next month, start of July or leave - Application for Transfer was turned down   - Letter to go in this week with a application form to request change of contract, hrs, days so that I can look after family member - change requested will be work mon, tues, wed but not more than 13.5hrs or 14, then breaks deducted to stay within legal earnings limit as carers allowance is recieved - it is not possible to work thur, fri sat, sun due to care needs and travelling for adult disabled family member   ok; Ive done a bit of digging, I can send application  for reduction of the hrs and contract which i think the govt said I can legally do. Doesnt mean the company has to be bound legally by it. It may be that it isnt suitible and there for ask me to resign. Or they may agree! Or terminate my employment. But as I am a full time family carer for a family member within the same household, I should have a good case to argue.    Does anyone have any further knowledge or experince of this to advice me, what legal or other rights, but if I quit or asked to quit, would claiming benefits as such be suspended for quiting a job, thanks    
    • I’m looking for some guidance please. I’ve been reading up but am stuck on what I should do and going round in circles now.   Trying to manage my own DMP and making a mess of it I think.   My income is £1015 per month Essential outgoings: factor fee £93 pet insurance £81 (giant breed so quite costly) TV licence £13.37 Groceries for 3 adults and giant breed dog £309 Council Tax £111 Internet £36 Electric £59 No water/gas/car Public transport £30 Gifts £15 Mobiles £6 Debt to family £42 Saving £0 Leftover £220 (for creditors) Actual Original Total Due to Creditors £600 (pro rata started) So I’ve started negotiating pro rata payments while still trying to keep credit cards going for future emergencies (they are maxed now but if I can pay them down it releases credit for me to have as a back Up)   It’s all getting worse, I’m struggling, I have depression, my wife has depression and is unwell. Interest on 3 cards is over £100 so not really paying anything off.   I’ve negotiated pro rata on some and I think I’ve gone in too high because I’m really struggling with it, I forgot that when they ask for income expenses they don’t take into account that the factor bill is 3 monthly and therefore I need £279 by May 31st and not £93 as budgeted so already in trouble for month 2. Partner debts: Starling bank overdraft: £400, 2019. Pro rata £14 arrangement to pay, no default.   Tesco Credit Card: £100  started 1/12/2019; defaulted 7/10/20 £5 mth   Virgin Credit Card: £2700 started 14/5/18; defaulted 30/3/21 £5 mth   Marks and Spencer Credit Card: £850 started 18/10/19; defaulted 13/1/21 £5 mth   Nationwide Credit Card: £1500 started 30/4/19; defaulted 28/12/20 £5 mth   Barclaycard CC: £1400 (PRA group purchased it) started 25/8/18; defaulted 16/7/20 £5 mth.    Aqua Credit Card: £3900 (now with Cabot Financial) started 3/12/18;  defaulted 12/11/20 £5mth   Aqua Loan: £1700 (now with Link Financial) started 28/9/19; defaulted 2/2/2021 £5 mth   My Debts:   Monzo Loan:  £1900 October 2021 – permanent pro rata £39 agreed, not defaulted    Likely Loans: £1500 December 2021 – temp £14 pro rata, not defaulted    Monzo overdraft: varies up to £750  - temp £10 pro rata   Monzo Flex: £900 December 2021 – temp £11 pro rata   Fluid Credit Card: £1500 July 2021 (on a holiday until August) £0    Capital One Credit Card: £700 £40 mth (up to date)   Amazon Credit card: £2450 November 2021 £75 mth (up to date)   Next: £56 December 2021,  £5 mth (up to date)   My dilemma is I can’t pay the factor bill and have maxed my cards.   I wonder about going on a payment holiday with Amazon and Capital One and then negotiate pro rata using a part of the £220 left for creditors in time, so keeping the pro rata proportional.   In August my Fluid holiday ends and they want £80.   I’m not getting hassled by any creditors and prefer an option that keeps it that way but last night seriously thought should I stop paying all of some of them.   Thanks  Stuckfast    
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Boris Johnson Prime Minister


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Top secret HB, although things are quite open in the USA about how good they expect their side of the deal to be

 

It'll have to be hearsay for the moment

As he waded through the empty bottles and platters of sandwiches pouring out more drinks,

he didn’t realise it was a party - even when he was ambushed by cake and ate it

 

 "Moral emptiness"  "unrepentant and inveterate liar" 

"a liar and a charlatan debasing the office of Prime Minister”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

 

Knowledge has only two enemies: Ignorance and lies

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A little filler

 

The US (likely worse if Republicans regain houses) is unlikely to agree much at all with the UK while

1. Johnson holds Good Friday agreement to his backside

2. Agreements with EU (who also support the good friday agreement) are finalised

 

When it is ready to deal (bearing in mind the EU has already had the steel and aluminum trump tariffs removed), the UK is seen as a weak party desperate for a deal - and ripe for ripping off. If Australia can do it ..

Wont be much better with India either.

 

Rather rich as the Brexitwits claimed that brexit would allow better deals ...

Not seen any of that part of Johnson the liars Brexit lies as other than lies either

 

 

Its not new ... just being more solidly confirmed as time passes

Most was in the US trade agreement objectives when it was released over a year ago - and no changes to those.

 

The Irish lobby has been quite active, and the US is clearly replacing the UK/EU with the UKless/EU for all except the UK's security council weight - which is shrinking and shrinking in 'soft power and effect thanks to lightweight Johnson

 

 

Edited by tobyjugg2

As he waded through the empty bottles and platters of sandwiches pouring out more drinks,

he didn’t realise it was a party - even when he was ambushed by cake and ate it

 

 "Moral emptiness"  "unrepentant and inveterate liar" 

"a liar and a charlatan debasing the office of Prime Minister”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

 

Knowledge has only two enemies: Ignorance and lies

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According to Peston, Sue Gray has found an email from an official warning Matin Reynolds that the May 20th 'work event' was against the rules.

 

WWW.ITV.COM

The civil servant has found an email in which a senior official warned the PM's principal private secretary that holding a party was a bad idea. | ITV...

 

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Illegitimi non carborundum

 

 

 

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Government scraps advice on working from home. No news yet on drinking at work.
 

As he waded through the empty bottles and platters of sandwiches pouring out more drinks,

he didn’t realise it was a party - even when he was ambushed by cake and ate it

 

 "Moral emptiness"  "unrepentant and inveterate liar" 

"a liar and a charlatan debasing the office of Prime Minister”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

 

Knowledge has only two enemies: Ignorance and lies

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A little reminder

 

 

WWW.THEGUARDIAN.COM

Hugh Muir: Mayor escapes censure over Twitter election dodge

 

As he waded through the empty bottles and platters of sandwiches pouring out more drinks,

he didn’t realise it was a party - even when he was ambushed by cake and ate it

 

 "Moral emptiness"  "unrepentant and inveterate liar" 

"a liar and a charlatan debasing the office of Prime Minister”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

 

Knowledge has only two enemies: Ignorance and lies

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Full Fact have pulled up the Express for the second time, for overstating the value of 'new' trade deals.

 

FULLFACT.ORG

The Express claimed that post-Brexit, the UK has struck new free trade deals with 70 countries worth over £760bn. This is the total value of trade with...

 

Illegitimi non carborundum

 

 

 

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WWW.INDEPENDENT.CO.UK

No 10 denies allegations first made by William Wragg MP

 

As he waded through the empty bottles and platters of sandwiches pouring out more drinks,

he didn’t realise it was a party - even when he was ambushed by cake and ate it

 

 "Moral emptiness"  "unrepentant and inveterate liar" 

"a liar and a charlatan debasing the office of Prime Minister”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

 

Knowledge has only two enemies: Ignorance and lies

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Is this part of Operation Save Big Dog and has anyone told the other countries in the alliance?

 

WWW.THEGUARDIAN.COM

Analysis: Press release depicts a leader gripping a crisis, not a broken man unable to shed travails at home

 

Illegitimi non carborundum

 

 

 

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As the Blinken yank was discussing it with the EU ..

... The dogs bits is certainly NOT what it is.

 

Quelle surpris -  Boris the LIar is lying in his own interests

As he waded through the empty bottles and platters of sandwiches pouring out more drinks,

he didn’t realise it was a party - even when he was ambushed by cake and ate it

 

 "Moral emptiness"  "unrepentant and inveterate liar" 

"a liar and a charlatan debasing the office of Prime Minister”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

 

Knowledge has only two enemies: Ignorance and lies

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WWW.INDEPENDENT.CO.UK

Ex-Australian PM Paul Keating calls foreign secretary’s warning ‘not simply irrational, demented’

 

 

All attempts to get attention off Corrupt liar johnson and the 'carefully selected/doctored' report from Gray when it arrives

Edited by tobyjugg2
  • Haha 1

As he waded through the empty bottles and platters of sandwiches pouring out more drinks,

he didn’t realise it was a party - even when he was ambushed by cake and ate it

 

 "Moral emptiness"  "unrepentant and inveterate liar" 

"a liar and a charlatan debasing the office of Prime Minister”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

 

Knowledge has only two enemies: Ignorance and lies

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Breaking News

 

Johnson threatens Putin with:

“no plans to send UK combat troops”

and

'UK Embassy staff being withdrawn from Ukraine out of the way

and

"“We don’t speculate on things like sanctions" ... but 'they might be on the table'

and

'Maybe even one of the Typhoons that so successfully hit the same oilwell in Syria so many times will be fueled up at some RAF base .. as a last resort

 

Putin must be quaking in his boots ... with laughter

 

Edited by tobyjugg2

As he waded through the empty bottles and platters of sandwiches pouring out more drinks,

he didn’t realise it was a party - even when he was ambushed by cake and ate it

 

 "Moral emptiness"  "unrepentant and inveterate liar" 

"a liar and a charlatan debasing the office of Prime Minister”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

 

Knowledge has only two enemies: Ignorance and lies

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Share on other sites

The Met have decided to investigate 'partygate', meaning that the Sue Gray enquiry is being paused in the week it was meant to be issued.

 

It looks like a good way to kick the issue into the long grass until the Met decide whether there's enough evidence. I can see people leaking more information and possibly photos to the likes of Paul Brand at ITV.

 

 

  • I agree 1

Illegitimi non carborundum

 

 

 

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On 19/01/2022 at 17:38, tobyjugg2 said:

"Although the council has announced cross-party committee to investigate the issue, the fact that all senior councillors have stonewalled questions on the subject has only added to local fury. Residents here feel like their concerns are being ignored by the very people who should be representing them.

 

And, with local elections barely three months away, there is some suggestion Labour and the Greens may end up paying at the ballot box – creating the bizarre possibility that both parties could lose South Yorkshire council seats over a scandal that started with a Tory prime minister."

 

WWW.INDEPENDENT.CO.UK

Kate Josephs – boss of Sheffield City Council – hosted Whitehall drinks while residents said goodbye to loved ones on iPads. Now crisis...

 

Get rid of her - no dithering

 

 

What are they playing at?

and this isnt even a Populist council.

Vote the Councillors out too

 

WWW.INDEPENDENT.CO.UK

Former head of Covid Taskforce has been granted ‘discretionary’ leave

 

"councillors have not suspended Josephs so she will be granted time off from her £190,000 post on fully-paid “discretionary” leave.

 

Such a form of absence, insiders say, tends to be reserved for employees experiencing traumatic personal events such as where the loss of a loved one is so devastating that statutory bereavement leave is not considered adequate."

 

As he waded through the empty bottles and platters of sandwiches pouring out more drinks,

he didn’t realise it was a party - even when he was ambushed by cake and ate it

 

 "Moral emptiness"  "unrepentant and inveterate liar" 

"a liar and a charlatan debasing the office of Prime Minister”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

 

Knowledge has only two enemies: Ignorance and lies

Link to post
Share on other sites

"Maroš Šefčovič, with whom Truss recently spent time at the foreign secretary’s official Chevening residence, took time out at a press conference to describe her as a “top notch politician” and a proven “deal maker”.

 

Rumored to have been overheard in the EU negotiating camp among peals of laughter:

'Johnsons government said they wanted an Australia type deal .. well, we will be very happy with one of Truss' Australia type deals eh?'

As he waded through the empty bottles and platters of sandwiches pouring out more drinks,

he didn’t realise it was a party - even when he was ambushed by cake and ate it

 

 "Moral emptiness"  "unrepentant and inveterate liar" 

"a liar and a charlatan debasing the office of Prime Minister”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

 

Knowledge has only two enemies: Ignorance and lies

Link to post
Share on other sites

11 hours ago, honeybee13 said:

The Met have decided to investigate 'partygate', meaning that the Sue Gray enquiry is being paused in the week it was meant to be issued.

 

It looks like a good way to kick the issue into the long grass until the Met decide whether there's enough evidence. I can see people leaking more information and possibly photos to the likes of Paul Brand at ITV.

 

 

 

Yep

Johnson wouldn't comment while awaiting greys report

Met wouldn't investigate while awaiting greys report, (despite met officers signing people in)

greys report now wont be released awaiting met investigation

johnson wont comment awaiting met investigations

... another none met investigation next? during which nothing will be said awaiting its findings ?

 

No wonder Johnson 'welcomes' met investigation to excuse continued no comment and non-release of grey report

.. plus of course:

“Officials who don’t tell Sue Gray the whole truth will not hold back from the cops.”

-  which Met cops (aka cress) will undoubtedly hand over to Johnson

 

The whole thing stinks and the met is adding to the stink

 

 

 

Edited by tobyjugg2

As he waded through the empty bottles and platters of sandwiches pouring out more drinks,

he didn’t realise it was a party - even when he was ambushed by cake and ate it

 

 "Moral emptiness"  "unrepentant and inveterate liar" 

"a liar and a charlatan debasing the office of Prime Minister”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

 

Knowledge has only two enemies: Ignorance and lies

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Share on other sites

UK.YAHOO.COM

The chancellor entered the room where the birthday gathering was held on his way to a meeting, Yahoo News UK understands.

 

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Nobody seems to know the position with the Sue Gray report although the main pundits seem to think it could be this week.

 

I think Johnson is trying to delay taking delivery of it to delay the inevitable and there's talk of not wanting to cut across the police enquiry, but the Met have already said they don't have a problem with it being published.

 

So we wait and see today. Will there be more revelations once the report's out, as some people think?

 

WWW.THEGUARDIAN.COM

Premiership under threat as MPs see official report that has now triggered police investigation

 

Illegitimi non carborundum

 

 

 

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It does appear that there are people in Government who have wanted Johnson to leave office for a long time.  There has been a steady flow of leaks to media and I can only see this continuing.

 

Johnson may just decide to quit, rather than face being forced out by Tory backbenchers. Would be surprised if he still had support of most Tory MP's.

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Time will tell if I'm right, but I don't see Johnson leaving of his own accord, it's being said that he's fighting on and spent yesterday talking about strategy.

 

But at least one journo thinks the relationship between the PM and the party is broken.

 

WWW.NEWSTATESMAN.COM

The relationship between Johnson and the Conservative Party is now “completely broken,” say Tory MPs.

 

Illegitimi non carborundum

 

 

 

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The Beadle (Rees-Mogg) was talking about a General Election, so you never know, great result might be Johnson goes but also somehow takes Cressida Dick and Sadiq Khan down on the way.

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Lord Agnew, a Treasury minister with responsibility for cross-government efficiency has resigned, saying  "a combination of arrogance, indolence and ignorance" was "freezing the government machine".

He read out his resignation speech in response to a question from Labour about the £4.3bn of Covid loans written off by the Treasury.

 

He accused the government of making "schoolboy errors" by giving loans to over 1,000 companies who were not trading when Covid struck.

 

A No 10 spokesman attempted to excuse the 'incompetence by claiming that £500m was recovered last year.

 

WWW.BBC.COM

Lord Agnew says the government had made "schoolboy errors" when handing Covid loans to business.

 

 

£4.3B is a mere pittance compared to PPE and NOT NHS test and trace corruption/incompetence.

 

... but they will still scrape back a couple of billion from the poorest and the absolutely essential £130M by not feeding UK kids

 

 

Edited by tobyjugg2

As he waded through the empty bottles and platters of sandwiches pouring out more drinks,

he didn’t realise it was a party - even when he was ambushed by cake and ate it

 

 "Moral emptiness"  "unrepentant and inveterate liar" 

"a liar and a charlatan debasing the office of Prime Minister”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

 

Knowledge has only two enemies: Ignorance and lies

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