Debt written off due to Carers Allowance?

[davey77]

I still suspect that within 6 months this could well be applied nationally and any N1 that contains the unenforceable agreement aspect will be stayed by then. Good news if you are under attack by a DCA but from my point of view, not great if you are the one that wants to do the attacking.

 

I certainly don't listen to that solicitor Daniella Lipszyc who warns of claim companies when she used to work for one:

 

"Ultimate Law was founded by director Daniella Lipszyc, who previously worked in-house for Altrincham-based Financial Claims Service Ltd."

[davey77]

BBC NEWS | Business | Judges seek hold on debt claims

 

"The British Bankers' Association (BBA) said: "The BBA is aware there are companies encouraging people to look for loopholes in loan agreements but our position is quite clear - if you borrow, you should repay: if you are experiencing financial problems, talk to your lender."

 

Have you tried to talk to your lender when you are behind in payments you spoon fed greedy moron!?

[davey77]

TONY HETHERINGTON: 'Hurl a brick at her window,' advises solicitor | Mail Online

 

"...I think the worst offence was the call you received from an employee of Wimbledon solicitors Turnbull Rutherford who suggested you should write a note giving his phone number, attach the note to a brick - and then hurl the brick through your neighbour's window to persuade her to call him."

[davey77]

http://www.addleshawgoddard.com/cdc/asset_store/document/data_&_info_ealert_1_april_09_155936.pdf

[the_shadow]

http://www.addleshawgoddard.com/cdc/asset_store/document/data_&_info_ealert_1_april_09_155936.pdf

 

 

Not good news:mad:

[davey77]

Yeah i wasn't to happy when i read that either. There is a discussion started about it here:

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/198560-defaulting-unenforceable-cca-debts.html

[joneseyblod]

Uggh some not good news coming out lately is there...

[joneseyblod]

Yeah i wasn't to happy when i read that either. There is a discussion started about it here:

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/198560-defaulting-unenforceable-cca-debts.html

 

Is that a private link? I get a message about the link being invalid...

[davey77]

Is that a private link? I get a message about the link being invalid...

 

I get that too now. not sure why that is tho?!

[davey77]

p.s A note to all - Davey is offline from 14th - 21st May

[davey77]

OFT Imposes requirements on Link Financial:

 

The Office of Fair Trading: OFT warns debt sector about tracing tactics

 

http://www.credittoday.co.uk/news/news-item.cfm?news=1146

Edited May 21, 2009 by davey77

[davey77]

BBC NEWS | Programmes | Moneybox | Banned director runs loan firm

 

"A BBC investigation has discovered that Yes Loans' licence expired in June 2008.

But the Office of Fair Trading (OFT), which issues licences, has allowed the company to continue trading before it decides whether to issue a renewal of the licence."

[davey77]

Anyone have any thoughts on a change of bank account with mum. She has a fair amount through benefits each month going in on a regular basis, never uses her overdraft (probably doesn't one) and wants a visa debit card with no account fees.

 

After a cock up today with her new card not working she really wants to move away from one of the big banks she is with and was thinking about a building society with internet banking.

 

Requirements:

 

Visa Debt card

Internet access

No fees

Cheque book

Not part of a larger banking group

 

What about Norwich and peterborough or Britannia or Chelsea BS?

[the_shadow]

Anyone have any thoughts on a change of bank account with mum. She has a fair amount through benefits each month going in on a regular basis, never uses her overdraft (probably doesn't one) and wants a visa debit card with no account fees.

 

After a cock up today with her new card not working she really wants to move away from one of the big banks she is with and was thinking about a building society with internet banking.

 

Requirements:

 

Visa Debt card

Internet access

No fees

Cheque book

Not part of a larger banking group

 

What about Norwich and peterborough or Britannia or Chelsea BS?

 

Nationwide although a large bs does an account with all you have mentioned. Flexaccount.

 

S.

Edited May 22, 2009 by the_shadow
added name of account type

[davey77]

Nationwide although a large bs does an account with all you have mentioned. Flexaccount.

 

S.

 

Thanks for that. I'll have a look and see what they have to offer.

Cheers!

[DeRichleau]

I read most of your post Davey, and identify with it as I look after my 70% disabled wife. I admit that alot of the legal stuff went over my head, so if you are not too busy could you give me/us an update. Have you sucessfully fought the **** off? Are you still fighting or is Bankruptcy looming in the future. Well done for every thing including the careing.

[davey77]

I read most of your post Davey, and identify with it as I look after my 70% disabled wife. I admit that alot of the legal stuff went over my head, so if you are not too busy could you give me/us an update. Have you sucessfully fought the **** off? Are you still fighting or is Bankruptcy looming in the future. Well done for every thing including the careing.

 

Hi DeRichleau,

 

Well it's still ongoing. 1 win so far with Cap1 after i took them to Court and they caved in.

 

MBNA and Cahoot ignoring me for well over a year now for some reason. (Probably because i am on benefits most likely and don't own a property).

 

Still battling with HFC, RBS, CABOT and Amex. With Barclays accepting payments for the last 18 months with no hassle.

 

Bankruptcy would only be an option if i were on my own as i don't want to drag my mum through such things (with her unaware of this sticky situation i am in.) If it ever 'came out' in the open i would have no reason to keep things hidden though and go for Bankruptcy i suspect.

 

With MBNA, Cahoot and Barclays all properly executed agreements i am working on trying to get cash out of the biggest (in terms of payments made) and using that as full and final settlement.

 

I did have a solicitor working on HFC and RBS but she has run out of legal aid after being ignored/disregarded by the Creditors.

 

It's been a long battle but i am determined to get rid of at least some of these account by the end of the year and am looking for a new solicitor who will go on the attack.

 

Sorry to hear of your situation. I am can certainly understand that it can put extra pressure on you but i would say never give up fighting as 99% of the threats these organistions make are meaningless. Threats are all they rely upon!

[davey77]

Credit card companies back down on charges

[davey77]

BBC NEWS | Business | Banks face fines for poor service

 

A step in the right direction although i will wait and see exactly what the wording of these new 'rules' are. As it stands the Banking Code is a waste of space.

[the_shadow]

BBC NEWS | Business | Banks face fines for poor service

 

A step in the right direction although i will wait and see exactly what the wording of these new 'rules' are. As it stands the Banking Code is a waste of space.

 

Agree 100%, the banking "code" is easy for them to manipulate in their favour and contains no real directives, more like a collection of wishy washy statements.

 

S.

[summanotre]

 

Bankruptcy would only be an option if i were on my own as i don't want to drag my mum through such things (with her unaware of this sticky situation i am in.) If it ever 'came out' in the open i would have no reason to keep things hidden though and go for Bankruptcy i suspect.

 

Bankruptcy lasts for 2 years if your bankruptcy level is less than about £20,000

 

Bankruptcy lasts for 3 years if your unsecured debts are more than the small bankruptcy level (above).

 

Credit reference agencies pick up the details from where the bankruptcy is advertised - i.e. the London Gazette, other papers and the Register of County Court Judgements

 

TBH its really not that bad (been through it myself when I first became disabled). It is a simple process and one I would consider if I was in your shoes. In fact for me, it was a weight lifted off my shoulders as I couldnt cope with 2 small children and my disability.

 

If you were to consider it, you can get explanatory leaflets from the insolvency service The Insolvency Service Website

 

Good luck.

[davey77]

Thanks for the input summanotre. Although as i understand it you can't go bankrupt and keep it hidden from other parties in the household as doesn't a receiver visit to access your possessions etc?

 

If that's not the case then that's a possibility or perhaps a DRO if i can reduce the total out standing balance.

[DeRichleau]

I know what you mean about keeping debt hidden. It's often the best policy. But bankruptcy would I believe allow them to take everything from you. Even the disabled seat your mother/wife is sat upon. In my long experience (I am a lot older than you Davey, but definately no wiser) debt is not caused by extravagance, irresponsibilty, or carelessness, but just survival, and trying to give your loved ones a basic decent standard of living. The Barclays, Capitol 1s and the rest of them are there to exploit your needs and wishes, pray upon your vulnerabilities, and trap you into their self serving profit driven world of surival of the fittest.

more and more people are fighting back, and more power to them. You are an inspiration.

[davey77]

I know what you mean about keeping debt hidden. It's often the best policy. But bankruptcy would I believe allow them to take everything from you. Even the disabled seat your mother/wife is sat upon. In my long experience (I am a lot older than you Davey, but definately no wiser) debt is not caused by extravagance, irresponsibilty, or carelessness, but just survival, and trying to give your loved ones a basic decent standard of living. The Barclays, Capitol 1s and the rest of them are there to exploit your needs and wishes, pray upon your vulnerabilities, and trap you into their self serving profit driven world of surival of the fittest.

more and more people are fighting back, and more power to them. You are an inspiration.

 

Thanks for the support De.R.

 

That's my thoughts also. I mean, i could probably keep the old banger of a car and furniture, washing macine etc but mums clocks, her tv in her bedroom (as we have 2) which she relys up for stimulation and the other bits and bobs we have ne receipts for as mum bought them ages ago?! What happens there. It would all be too much stress for her i fear.

 

I have a friend from Canada who went bunkrupt there and she did it all over the phone lol 1,500 miles from the nearest town it's not going to be in person Somehow i don't think i would get away with that here!

 

Keep fighting!

[sunray001]

Hi Davey,

 

Have PM'd you.

 

sunray