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    • be very wary upon what you see being recently posted on here 😎 regarding KIH.... all is not what it seems...  
    • 1st - all my posts on CAG are made not only in reply to the specific issue the topic starter makes but also in a general matter to advise any future readers upon the related subject - here it is kings interhigh online school. KIH lets take this topic apart shall we so readers know the real situation and the real truth...and underline the correct way to deal with KIH. https://tinyurl.com/ycxb4fk7 Kings Interhigh Online School issues - Training and Apprenticeships - Consumer Action Group - but did not ever reply to the last post.  but the user then went around every existing topic here on CAG about KIH pointing to the above topic and the 'want' to make some form of group  promoting some  'class action' against KIH . then on the 2nd march this very topic this msg is in was created. all remarkably similar eh? all appear to be or state..they are in spain... ....as well as the earlier post flaunting their linkedin ID, (same profile picture) that might have slipped through via email before our admin killed it.., trying to give some kind of legitimacy to their 'credentials' of being 'an honest poster'....oh and some kind of 'zen' website using a .co.uk  address (when in spain- bit like the Chinese ebay sallers) they run ... and now we get the father of the bride ...no sorry...father of a child at the uk-based international school in question posting ...pretending to be not the 'other alf... do you really think people are that stupid..... ................... nope you never owed that in the 1st place... wake up you got had and grabbed the phone - oh no they are taking me to court under UK jurisdiction...and fell for every trick in the book that they would never ever put in writing that could be placed in front of a court operating under their stated uk jurisdiction wherever you live. T&C's are always challengeable under UK law this very site would not exist if it were not for the +£Bn's bank charges reclaiming from 2006> and latterly the +£Bn's of PPI reclaiming both directly stated in the banks' T&C's were they claimed they were legally enforceable ...not!! they lost big time... why? a waste of more money if you've not got a court claim....... why not use them for a good outcome...go reclaim that £1000 refundable deposit you got scammed out of . people please research very carefully ...you never know who any of these people are that are posting about kings interhigh and their 'stories' they could even be one of their online tutors or a shill . don't get taken in. dx      
    • @KingsParent thank you for sharing your experience.  I also tried contacting the CEO but didn’t get very far. Do you mind sharing his contact details?  kind regards   
    • Thank you Rocky for the clarifications though they did cause a problem at first since an original windsccreen ticket was  of a different breach some time before. The current windscreen ticket only states that you were parked there for 6 minutes which is just one minute over the minimum time allowed as the Consideration period. There is no further proof that you parked there for any longer than that is there? More photographs for example? Moving on to the Notice to Keeper-it does not comply with the Protection of Freedoms Act 2012 Schedule 4. First there is no parking period mentioned on it. there is the time 20.25 stated which coincides with the W/S ticket but a parking period must have a starting and finishing time-just one time is insufficient to qualify as a parking  period as required in Section 9 [2] [a] . Are there any different photos shown on the NTK comapared to the w/s PCN? Not that that would make a difference as far as PoFA goes since the times required by PoFA should be on the NTK but at the moment Met only appear to show that you stayed there for 6 minutes. Another failure to comply with PoFA is at S9([2][e] where their wording should be "the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; ". You can see on your NTK that they misssed off the words in brackets. Met cannot therefore transfer the charge from the driver to the keeper. Only the driver is now liable. Then their is the discrepancy with the post code on the NTK  HA4 0EY which differs from the post code on the contract and the Post Office Postcode Finder which both list it as HA4 0FY. As you were not parked in HA4 0EY the breach did not occur. In the same way as if you were caught speeding in the Mall in London, yet you were charged with speeding in Pall mall London [a street nearby] you would be found not guilty since though you were speeding you were not speeding in Pall Mall. I bow to Eric's brother on his reasoning on post 12 re the electric bay abuse  That wording is not listed on their signs nor is there any mention on the contract of any electric charging points at all let alone who can park there or use them. He is quite right too that the entrance sign is merely an invitaion to treat it cannot form a contrct with motorists. Also the contract looks extremely  short no doubt there will be more when we see the full Witness statement. As it stands there is no confirmation from Standard Life [or Lift !] on the contract that Savills are able to act on their behalf. Also most contracts are signed at the end of the contract to prevent either side adding extra points. So their percentage  chance of winning their case would be somewhere between 0.01 and 0.02.    
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Debt has spiraled out of control


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Hi 

I have 4 credit cards and a loan total 35k

I have equity in my house that would probably cover it just.

But then be homeless.

 

No debts are secured on my home, only my mortgage,

 

I was made redundant during the pandemic and got a lower paid job, my redundancy payment is running down fast trying to keep up paying them, getting worried about having to sell up.

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use the pro rata letters in the debt collection section of our library.

no-one can force you out of you home for consumer credit debt.

 

are all these debts still with the original creditors or have they been sold to DCA's?

 

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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All with original creditors, no late payments, when my savings run out I won't be able to make payments 

 

Thanks dx100uk 

Much appreciated, are there any case studies how the creditors reply ie threat of charges put on house etc.

 

Income and expenditure what are reasonable living costs i know everyone is different, limits on certain things ie shopping, utility bills.

I don't want to over or under estimate.

 

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  • Andyorch changed the title to Debt has spiralled out of control

Original creditors don't do things like get CCJ's and charging orders, they are legally remitted to help you by the authorities that govern them.

 

if you pop up the top and click the name of where you posted this thread, you'll see 100's of threads of people doing self help like you

the best thing you can do is read read and read some more, as i can tell by your charges on house comment that you are very green and think your world could fall over and you need to sell your home etc.. YOU DON'T.

 

you only have to pay SOMETHING even if its as little as <£10PCM to each. all consumer credit is NOT classed as priority debt. Priority debts those are things that DO keep the roof over your head like rent/mortgage, gas/electric CTAX and must come 1st.

 

 

  • 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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  • 3 months later...

Hi do I wait until the oc put my debts into default before I send template letters off to them, I have cancelled all direct debits this month. My connected post to this subject has been closed due to time lapse.

Thanks 

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  • Andyorch changed the title to Debt has spiraled out of control

Start the process of communicating with them now, the sooner they know you're having financial difficulty the sooner they can offer ''assistance''.

 

Keep a diary of events, keep everything in writing, obtain proof of posting which is free from the PO counter, are there any fees/charges on the accounts that you can reclaim?

 

Who are the four cards with?

And who is the loan with?

 

 

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi thanks for quick reply.

 

All cards with oc

mbna,

hsbc,

tesco,

barclaycard, 

loan with tesco,

 

never missed a payment but over last 6 month dropped down to minimum payment, due to 20% drop in income

 

being furloughed 9 month last year, made redundant end of last year, took a lower paid job, now currently on sick leave on ssp, so very little income.

 

it's now come to a head where I have to send the letters of explaining my situation.

Many thanks Mick

 

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Have you run your details through a benefits calculator ?  Websites such as Entitledto and Turn2us have benefit calculators.  Worth checking just in case you have some entitlement.

 

You should have communicated with the creditors as soon as you were in a hardship position.  But definitely do this now ensuring they know of health and financial hardship.

 

 If you are a fairly new employee, the period you will be paid for will have a cut off point.  Have your employers advised you on this ?  You can claim Universal Credit, as that benefit is for people who are in work, not working due to health or unemployed.  The benefit is adjusted depending on the amount of earnings during a month.

 

WWW.UNDERSTANDINGUNIVERSALCREDIT.GOV.UK

Find out about the benefits you could apply for if you're affected by coronavirus. Eligibility rules and how to apply for Universal Credit, JSA and...

 

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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Thank you,

I will look into this my partner has an income approx 1k per month, but she's not on cards only on the loan and mortgage. How does this affect income expenditure etc, do they expect her wage to come into the cards. 

 

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no.

 

did you send those pro rata letters off 4mts ago as advised?
 

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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Ignore the OH income, she is only jointly responsible for the mortgage and the loan.

 

And as DX asks, did you send the pro rata letters?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi. dx 

No i didnt I carried on paying what I could using my income and savings, but the crap hit the fan about a month ago, first partner was off work then me. I tried to keep my credit record good but suppose in reality nothing getting better.

 

Just drawing up income and expenditure won't be much left with ssp could be off 2 or 3 month.

letters will be off this week. 

Cheers for reply 

 

Nothing I can claim on benefits side of things,

 

I will have to submit 2 different income and expenditure, one single ie my debt to the cards and another joint for the loan,

bit confusing,

what's lowest they will accept nothing left,

maybe I can play around with it for to make a small payment.

Cheers

 

 

 

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It's not a case of you asking them (or the people here) what the creditors will accept, it's case of you telling them what you will pay them.

 

The time to have been worrying about saving your credit file was 4 months ago when at least 2 people advised you to get in touch with your creditors, before the proverbial hit the fan, and while there was an opportunity to drop your payments by way of agreement with the creditors. The only thing that may, possibly, save your credit file now is if you agreed to pay the cards off in full right away. If you can't do that then it's already too late and it's very likely your creditors have already, or will very shortly, start to trash your file.

 

I don't think anyone's asked you this yet; when did you take out these cards and the loan?

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Hi, 

All letters sent out with offer of payments, expecting contacts from them in next few days nothing in default yet 18th of month will be the first missed payment on the loan. I wasn't ignoring dx100uk advise, maybe trying to save face and get some other kind of income.

Loan 4 years old 

2 cards over 5 years 

2 cards approx 2 years 

Thanks 

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just do as you say and pay what you said and when.

don't expect many to accept your offer.

 

 

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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Hi people

Been a week since i posted pro rata letters 1st class to creditors so they probably got them on Monday I was expecting phone calls or letters to come from them, I've not heard anything until a text message today from a card stating payment is due today if unpaid a £12 charge will be made.

Should I phone them and tell them I've sent letters

 

Cheers

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1st of all you never ring or talk on the phone to anyone...

writing only.

 

2nd you pay what you said when you said you would. as above.

 

should they still continue to levy unlawful penalty fees, you send the 2nd letter and drop them to £1PCM for life

 

take control, it's YOUR MONEY, don't be controlled.

 

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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Cheers dx, thank you.

Think they are ignoring my letters as I sent out 2 other letters same post changing my direct debits to insurance companies they have received them and processed them to my new account.

Regards 

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  • 1 month later...

Hi Sent the 2nd libary letter off, none have accepted my 1st offer or even indicated they have received the first letter, getting phone calls and voice mails daily, (I've not answered them) I've letters coming weekly to phone them to discuss. Also late charges being applied to accounts. 

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Let them get on with it then and shoot themselves all in the foot

  • 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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  • 2 months later...

Ok here an update on situation.

All but one of my creditors have put my accounts on hold until 22/11/21, which is fine seeing I was off work sick for 3 month, the time is given for me to get an up to date income and expenditure sent off.

 

The one creditor has been adding interest and late fees on my account and ignored all letters I have sent, I get phone calls, messages, letters etc of them regularly, they have not responded to my original letters to them regarding my situation. I have now had visit of resolvecall agency.

 

I was not in but a note was put in my letter box, I'm assuming it's from them.

Do I make contact or ignore them or do I contact the creditor again.

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just remember doorstepper DCA's are no diff to the letter writer debt buyer

they have zero legal powers and are not bailiffs

if you do meet one, simply film them on your phone

do not engage

tell them leave your property never to return else its police 101 time.

 

as for the creditor not responding by freezing int and unlawful penalty charges.

 

send the failed (2nd) pro rata letter.

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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  • 7 months later...

Last year I sent in my income and expenditure, with an offer of payments.

I haven't been contacted by my creditor's but all have now been passed to debt collection agency,

 

One dca caught me off guard on a telephone call, I made a complaint about this to the dca that I had offered payment and not had any response from my creditor, they then said they would send my files back to the creditor and close my file which they have, the creditor then sent me a letter apologising for this mistake and offered me £75 as compensation which i cashed last week.

 

I'm now thinking that they have breached GDPR and now looking to buy a way out

 

Any advice maybe all the others have breached GDPR how would I find out, and could I still make a complaint against the one that sent £75 

 

Cheers

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not really,  dont be greedy but keep all the stuff as it might useful later.

so no notice of assignments yet? so none have been sold to dca's?

 

you dropped everyone to £1pcm that didnt comply with freezing interest and penalty charges i hope?

 

 

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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