Jump to content


  • Tweets

  • Posts

    • First of all you should understand that there will be nobody around who will be interested in this mess which you have managed to get yourself into. Citizens advice, trading standards, the police – none of them will be able to give you any practical advice even if you can contact them and attract their attention. It's either not what they do or they don't have the resources. You say that you were "forced" to pay by credit card – but of course this is not true. They simply refuse to accept any other form payment and you went along with it because you wanted the vehicle. You could have refused and have gone elsewhere and then you wouldn't have this problem. The problem here is that although you know of a trading name – you have no idea who apparently owns the business. The only name you seem to have a somebody called Amir – which is simply an Asian first name. You have no address other than the trading address of the business and we don't know if it is a well established firm or if they have assets there. You could certainly see them simply on their trading name – and if that's what you want to do then we will help you. I have no doubt that on the basis of what you say that you will win your judgement easily. They may even not respond to the claim and you would get a default judgement. However, getting the judgement is only the first part of the problem a much bigger difficulty – especially with used car dealers – is enforcing the judgement. It's easy for them to change their name and to say that they are simply another firm, or to say that any cars on their forecourt belong to somebody else blah blah blah. At the end of it all, you have a duff car, a bill for court fees, a meaningless court judgement and a bill for enforcement. The only thing you would have gained will be a valuable lesson for the future but it's rather a hard knock and I'm very sorry about it. We are happy to help you start an action. It's no problem but I have to be very pessimistic about the eventual outcome – that you would have a successful enforcement and you will get your money back. Have you had a quote for the repair of the vehicle?
    • Thanks for replying. We rent a large plot consisting of the house and outbuilding with a fence surrounding a really large outside space front and back. There's plenty of room for many more than 4 cars, in fact, we bought a 16ft swimming pool which is at the back of the house but, as I explained, one of the cars is being returned to Motability this week and one of the cars belongs to a visitor who stays a few days each week so really there are only two cars here all the time.   It's essential, in the countryside where there is no public transport, for my daughter to have a car to get to work etc and for my son in law to get to his work. My granddaughter is 16 now and as soon as she passes her driving test, (she can take it now as she is disabled) she will have another Motability car, again essential for her independence and if she gets a job.   There was no specific mention of how many vehicles we could have when we signed the lease.
    • We purchased a Candy hob in September 2021 and it was purchased early as we were concerned about possible stock issues, it was installed on December 2nd 2021 when the new kitchen was fitted (a receipt can be provided to confirm this date) and this appliance started to give problems almost immediately but we struggled on with it until the intermittent fault got unbearable in that we did not know if it was going to work or not.   Upon contacting the customer service department at Curry’s I was automatically put through to Candy service and after 59 minutes on hold I had to disconnect the call as after this period of time my provider then charges me for the call so I have to start again and again and yet again to try and get through.   I have had email contact with Curry's ‘let us know’ but all I got was ‘it’s not our problem – it’s Candy’s problem’ so that was even more time wasted.   Meanwhile on Jan 8th 2022 we purchased another hob from Curry’s as we could no longer rely on the Candy one nor could we be without a cooking appliance, eventually I got through to Candy and an engineer called yesterday (Jan 24th) and he has to order four new circuit boards for this almost new Candy hob.   So if this appliance is repaired in say 14 plus days time what are we expected to do with it as we have already indicated that we have replaced it so that we would not be without a hob.   I do have all of the paperwork here to submit to the Small Claims Court as this appliance was not fit for purpose and the court would not expect me to be without a cooking appliance for any period of time.
    • Quick update on this. I finally received the statements from Overdales. I received the paperwork for the SAR from Three a while back.    Essentially, the debt is almost entirely an "involuntary cancellation fee" according to the invoice sheet Overdales sent through.   So now I guess I just wait for the next step...
    • Just, Arum, TDX Group and its parent company Equifax have been named as suppliers on the Crown Commercial Service’s (CCS) recently launched debt resolution services (DRS) frameworkView the full article
  • Recommended Topics

  • Our picks

  • Recommended Topics

Debt and pension help


Recommended Posts

Hi all, looking for some help please.

 

I lost my job in the UK and things fell apart.

My wife is originally from Poland and her parents suggested we move there, which we did two years ago now.

 

issue is that I owe quite a few credit card debts / overdraft and I am now able to get some of my pension to help us over here. I started a small business here and it’s starting to get to the point where we can pay our own way here, but the pension money will really help.

 

My question concerns the pension,

is there any way of debt agencies to know about it and try and get it?

 

The pension company read out a usual t’s & c’s questions and in it they said are you aware that any creditors can come after you for this?  That made me paranoid, thinking do they know and are going to pass info..
 

They will be transferring money to me next month and we are really worried about this.

I’m trying to get it paid into a Polish account, which they have sort of accepted, but I think it might cause some issues too.

 

I can’t provide enough I.D proof for address here as we are staying with my in-laws and all bills are in their name.

I have said UK address still applies, but given the Polish bank account. 

Edited by dx100uk
spacing
Link to post
Share on other sites

short ans no. ignore everything.

 

have you any assets like property in the uk?

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... 

Link to post
Share on other sites

then simply WRITe to each debt OWNER using their ref No. advising them of your correct and current address WHEN its your own place.

 

ps not sure why you mentioned pension but thats none of their business your income sources.

 

pers i'd simply write the letter then ignore everyone.

 

we dont condone debt avoidance but in some circumstances its totally unavoidable.

 

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... 

Link to post
Share on other sites

who can?

and is the a private pension? 

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... 

Link to post
Share on other sites

total BS!

 

sorry but they want shooting, 

21 hours ago, GSARider said:

is there any way of debt agencies to know about it and try and get it?

 

25 minutes ago, GSARider said:

The pension company said that creditors can claim against it in the statement they read out.  

 

a DCA is NOT A BAILIFF

and have

ZERO legal powers on any debt - no matter what it's type.

 

if debts have been SOLD to DCA's/debt buyers, they are not 'creditors', they are debt owners. - by that comment i will assume they meant 'original creditor'. once a debt is sold the OC plays no further part.

 

what is this pension company please?

 

the only way a dca would findout is if they search your credit file and see you have lots of money now, tough luck!! and even if it were paid to a UK Bank a/c too. 

as for a polish Bank A/C , that won't show on your UK file anyway.

 

what utter utter BS .

 

name them, let download their T&C's and rip them apart.

 

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... 

Link to post
Share on other sites

It is Scottish Widows. Having read up a bit on it, there was a landmark case where a creditor was trying to force an individual who went into bankruptcy to cash in his pension. The judge ruled that they cannot count that in as assets and force him to do that. However, the judge said if he cashed it in, the creditor could then claim against it. I think the pension companies now advise on this - reading it out to you and asking you to acknowledge that you know this could happen.

 

I was worried that they may inform the likes of equifax, which in turn could mean they will come after me for it. 
 

For most of my creditors I have informed them I am unable to make payment atm and not really had much contact since. Interestingly, when we moved I re-directed mail to a friend, who then sends on everything. I read the terms on the Royal Mail website, which asks you to tick a box if you do NOT want your new address details passed to ‘interested parties, which I most definitely ticked. Then six weeks later a debt collector turned up at my friend’s home. He told them I’m not in tge country anymore and said that someone is breaking data protection laws to get his address and he hurried off.

 

So that’s why I’m a bit paranoid about how all these big companies work.

  • Thanks 1
Link to post
Share on other sites

nothing any DCA can do forget about it. they have ZERO legal powers...thats why he left...no mug to fleece here waste of time more like it.

would of been resolvecall i bet!!

 

SW are WRONG, no DCA can force anything. they'd have to go for a UK judgement and you are not under the jurisdiction total BS.

 

lloyds have alot to answer for in many areas.

 

and this was a private pension too!

 

your Fwding address will be on your credit file regardless 

 

 

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... 

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...