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    • Yes almost Stature Barred. Which means? So basically I wait and see what happens?  Yes i believe so and is this a new 1 upon you guys? 
    • Should have ignored them from day one    Never give them pers financial details only a judge can demand said    Send them a cca request They'll never have a signed agreement. Bye bye debt   dx    
    • As far as I'm aware the local council don't have any information on the land. I will tell her to get some legal.advice about it. Thanks for your advice it's much appreciated 
    • Hi I would welcome some advice please.  I have been a CAG member for some time and you have helped in many ways.   Way back in October 2007 I took out a loan with Black Horse Finance for £4,000 to pay for a new central heating system that I was forced to install when I had to move into an old mid-terraced house.    The problems with this house got worse over the years and in October 2012 the account was assigned to MEIV who traded under the name Marlin. Also at that time my affairs were being handled by a Debt Management Company.  This company, Money Worries, subsequently disappeared with the MD being chased by Greater Manchester Police.    There followed a long and painful period with Marlin whereby they constantly stated there was no payment plan and I stated that there was.  They claimed no payments had been received and it was down to me to try and sort the mess out.  I said at the time that I would maintain the same payment as I had been to the DMC which was £12.25 per month.  I implemented a Standing Order to this effect.    Marlin, of course, wanted an Income / Expenditure form so they could (obviously) try and pressure me to pay more.  I wrote to Marlin saying their actions could amount to harassment but they continued to maintain there was no agreement and passed the account over to their so-called "solicitors", Mortimer Clarke.   in April 2014 enter Mortimer Clarke who were still, like Marlin, just agents.  As 'solicitors' they started threatening legal action, enclosed an Income / Expenditure form and demanded that I fill it up - effectively disclosing all.  A month later they wrote saying their 'client' had told them to start legal proceedings but actually nothing happened, maybe because it was already beyond 6 years.  They threatened CCJs and credit being "impacted" etc.    I discover that Marlin had actually increased the debt by £500 by slapping on punitive interest. After finally getting them to realise that there was a plan, whether they liked it or not, they removed the interest. I then made a reasonable offer, I felt, to increase the monthly payment to £20.  They came back again demanding their sacred Income / Expenditure form.    thanks to CAG I informed them about 'reasonable' offers of payment and Court Protocol rules and just went ahead and implemented the £20 a month. Back they came saying the offer had been accepted on a "concessionary" basis - whatever that's supposed to mean. In March 2016 they seemed more reasonable and continued the £20.   In October 2018 they try their tactics again and I respond with a strongly worded letter about harassment and follow through on my telephone promise to increase the monthly payment to £25.  Surprise, surprise, this is accepted!  All is then peaceful and calm until February this year when they start again.    As things are somewhat better for me the monthly payment is increased to £60 but now in September they're back again.  Now I know you will say I'm foolish but this time I completed their damn Income / Expenditure form but again, foolishly, I gave them figures based on our total family income.  I am retired as a full-time carer to our disabled son.  My wife is in paid employment but wants to build up savings to start a business idea that she has every chance of succeeding in. I gave them global figures for total Income and Expenditure as how much pocket money I give my son is of no relevance!   They are now saying on the basis of the figures I gave them that I have £494 disposable income and that their 'client' (i.e.MEIV) wants the monthly payment to rise to £345.80.  I am furious.  They have given me 14 days to accept ......or else!!      I am thinking I should do a new IE form based solely on my income and the expenses I pay each month but I thought I would come to you guys first.  If this were to go through it would leave us, as a family, with not much over a £100 to cope with emergencies.   Many thanks in anticipation.    
    • Has a check been made with the local Council Authority regarding the land ?   Usually Councils will have charts showing the land/boundaries in their area.   I know local to where I live there is land with disputed ownership, as documents are missing. There is then a claim process through land registry which you are going through. Because the land was not claimed or part of the property purchase 5 years ago, I believe that land registry are correct, that the landlord would have a 12 year period in which to register a claim for the land. Land registry won't as far as I know actually contact the landlord to make them aware. It would be up to landlord to find out.   There may be a process for there to be an agreement made between Mum and landlord now. Depends on how reasonable the landlord is. But there may be a cost involved in this process drawing up legal agreement for landlord to waive any rights to claim ownership of the land.  Seek formal legal advice from someone qualified to see if this is possible and if so how much legal fees would be.
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charleyfarley v abbey ***WON***


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Oh Charley , I was hoping you had some news by now ! I have been back onto the court and the Judge is still looking at the AQs . I did get a tad worried as I saw another thread (cant remember who) and they were on the same timescale as us , and their papers were transferred from Lambeth County Court to the Mercantile Court . I was going to have a read this evening (yes I know it is Sat night) and see if that would make any great difference to my claim. Good luck - if I dont hear anything ,I too, will ring the Court on Wednesday .

 

 

LadyE,

 

Mercantile is a good thing............the Banks hate the place more than the Small Claims and will do anything to settle with you.

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Hi Charleyfarley

Have you got over the shock of being surrounded by girls yet?

I agree that this site can be very confusing as the names that people use can be misleading!

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KK,

 

I feel like an Internet Perv in reverse...........chatting to someone you think is a bloke and they turn out to be a girl:confused: :confused: I think just about everyone who's thread I keep an eye on is female.......it's like charleyfarley's flippin' harem.

 

I'm not complaining you understand, just a tad confusing (or is that my age??):)

  • Haha 1

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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KK,

 

I feel like an Internet Perv in reverse...........chatting to someone you think is a bloke and they turn out to be a girl:confused: :confused: I think just about everyone who's thread I keep an eye on is female.......it's like charleyfarley's flippin' harem.

 

I'm not complaining you understand, just a tad confusing (or is that my age??):)

 

 

Or Charlies Angels ;)

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Quote:

Originally Posted by charleyfarley

KK,

 

I feel like an Internet Perv in reverse...........chattin g to someone you think is a bloke and they turn out to be a girl I think just about everyone who's thread I keep an eye on is female.......it's like charleyfarley's flippin' harem.

 

I'm not complaining you understand, just a tad confusing (or is that my age??)

 

 

Or Charlies Angels

 

How funny,:lol: I missed the start of this how did you think was a man CF?

 

Regarding Charlies Angles, I've been called some names in the past but never an "ANGEL" :lol: :lol: :lol:

  • Haha 1

Nat West Settled 2 acct's before action:

 

£2194.77 settled £1904.00 08/01/2007 less interest

£650.93 Settled overpaid GOGW £850.00 02/01/2007

 

Applied Abbey statements -40 day up 24/04/06(arrived 30/06/06)

Prem 04/01/2007 - reply rcvd 22nd Jan advising not paying

LBA 22/01/07

 

14/02/07 N1 filed @ local court

21/02/07 issued claim

23/02/07 deemed served

25/02/07 Abbey acknowledgement defend in full.

19/03/07 defence + 50% GOGW

13/04/07 AQ final day for submission

30/04/07 DEFENCE STRUCK OUT "ABUSE OF PROCESS"

01/05/07 Judgement order

8/05/07 Warrant of Execution requested

 

 

Media coverage :D

 

http://news.bbc.co.uk/1/hi/business/6701231.stm

 

http://www.newburytoday.co.uk/News/Article.aspx?articleID=4505

 

 

If you find my post helpfull then please click my scales:)

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http://www.consumeractiongroup.co.uk/forum/abbey-bank/72256-foxy-abbey-5.html#post793057

 

post#91................and in post#90 Foxy's discussing her bits again:o

 

Regarding Charlies Angles, I've been called some names in the past but never an "ANGEL" :lol: :lol: :lol:

 

 

something you need to share with us mj??

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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lol so you think were in your harem do ya charley boy

 

 

I'm probably the eunuch in the corner:p

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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oh you think your so amusing charley boy hahaha and im not 16 either the young blonde lady lol

 

 

I've never thought for one second you were.....................but then I'm not the 19-year old hunk you thought I was:) :)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Hey CF, can an large :) elderly blonde join the harem? Might make me feel young again. lol :D :D

 

 

Tricia,

 

You've never seen me.....................it might make you feel old and sad:p :):D

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Oh to be 20 again and know what I know now. ;)

 

Charley, anything under 17 stone and not grey haired won't make me old and sad, I'm very tolerant (or so my OH says) but then I have to be with him, mum, 3 dogs, 2 cats and 2 sheep to contend with, not forgetting Abbey.

 

Being part of a harem, whatever the sheik looked like sounds like fun :D

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Oh to be 20 again and know what I know now. ;)

 

Charley, anything under 17 stone and not grey haired won't make me old and sad, I'm very tolerant (or so my OH says) but then I have to be with him, mum, 3 dogs, 2 cats and 2 sheep to contend with, not forgetting Abbey.

 

Being part of a harem, whatever the sheik looked like sounds like fun :D

 

 

I refer you to post #84 above:) :p

  • Haha 2

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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post#91................an d in post#90 Foxy's discussing her bits again:shock:

 

 

 

& I'm so sweet & innocent I didn't even notice!!!!:p I've had a real chuckle reading this tonight so thanks everyone!!!:D Charleyfarley.... just enjoy being surrounded by us all!!!!!!

 

A very female Villafan!

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Oh Charley, you're not alone in your corner.

 

Two of the dogs, both cats and the ram have been 'enuchised' as well so you won't be lonely in your corner. ;)

 

Isn't it nice to have some lighthearted moments in the midst of all the seriousness of reclaiming from obstinate banks. :)

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I have clicked all your scales as yesterday I spent most of the date sniggering about poor CF.

 

Isn't it nice to have some lighthearted moments in the midst of all the seriousness of reclaiming from obstinate banks.

 

Agree 100% thanks everyone for brightening up my day;)

Nat West Settled 2 acct's before action:

 

£2194.77 settled £1904.00 08/01/2007 less interest

£650.93 Settled overpaid GOGW £850.00 02/01/2007

 

Applied Abbey statements -40 day up 24/04/06(arrived 30/06/06)

Prem 04/01/2007 - reply rcvd 22nd Jan advising not paying

LBA 22/01/07

 

14/02/07 N1 filed @ local court

21/02/07 issued claim

23/02/07 deemed served

25/02/07 Abbey acknowledgement defend in full.

19/03/07 defence + 50% GOGW

13/04/07 AQ final day for submission

30/04/07 DEFENCE STRUCK OUT "ABUSE OF PROCESS"

01/05/07 Judgement order

8/05/07 Warrant of Execution requested

 

 

Media coverage :D

 

http://news.bbc.co.uk/1/hi/business/6701231.stm

 

http://www.newburytoday.co.uk/News/Article.aspx?articleID=4505

 

 

If you find my post helpfull then please click my scales:)

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Ladies,

 

That's very kind of you all.........i don't really know what to say, apart from I think the help and support on this site is fantastic, and if we can all have a laugh while we're getting our money back, then it makes the whole damn complicated frightening process a little bit easier and less intimidating:)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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