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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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Clare11

Bank of Scotland Credit Card

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Hi everyone

Advice would be much appreciated.

My LBA in March clearly stated that I would be taking action against them if by 5 April I did not recieve a full refund. I thought I would ring them today and got this wee girl who stuttered and stammered repeating what was in their letter I received YESTERDAY (4th April) ..."....you will receive a response from us within a maximum of four weeks, in-line with the Financial Service Authority regulations. "

Do I still have the right to file against them TODAY..or are THEY within their rights to hold out another 4 weeks."

I dont want to seem unreasonable.....smiles......She told me that they were in undated with 1000's of such claims....(surprise , surprise) and there was a back log.

I told the wee girl that it was their chance to settle NOW in full or face paying the interest plus my court fees a later date as I planned to go to the small claims court..... it was their choice.

She said the Bank was still within THEIR rights and had another 4 weeks to respond. And she didnt even take the reference number or anything to check the amount of my claim.....I could have been anyone! She didnt even take my name!

Must I wait the 4 weeks?

 

What should I do..

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I'm new at this but have been reading a lot and I would say dont wait any longer. I don't know what right the girl is referring to but at the end of the day its you who has imposed the timescale by which you want them to respond. Providing you have given them the time which is deemed an acceptable timescale then you have stuck to what you said in your LBA. If you go against what you said in your letter, the bank will think you're not serious and try to fob you off.

 

Did you send a preliminary letter followed by the standard LBA from this site? How much time did you give?

 

I would say go ahead and file your claim and let them know you mean business.

 

Maybe someone with more experience could back this up?

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Claire,

It's another of the myriad delaying tactics employed by all of these financial "institution" in an attempt to put you off reclaiming YOUR money. Stick to your timetable, follow the process as explained on here and you will succeed. Keep the faith:D

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Thank you Kitty & Naughty

Yes....I have went by the rule book and sent a preliminary letter first then later the LBA giving them a further 14 days( from the date they receive the LBA).

I have claimed against other banks but this was the first time I have been had the "Financial Services Authority" regulations mentioned in any correspondence from any Bank I was claiming against. I guess every Bank's tactics are different......smiles

This is Good Friday , so I have decided I will file a claim online TOMORROW I dont want any bad luck.....smiles.... One more day wont make much difference.

Kind regards

Clare

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This is stalling tactics indeed. YOU are calling the shots not them. Get that claim in tomorrow!!

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If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Hi T4ff

As a woman and not renowned for taking orders ....especiallly from a man.(who are often wrong).....I broke all the rules......smiles

I filed against the B of Scotland this morning. (7th April).

I hope its "lucky 7".......smiles

Kind regards

Clare

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Good girl ;)


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Watch it where did you get the idea that men are oftn wrong. I take exception to that statement.:mad: Quite a number of sites are manned by men and give good advice:) Apart from all that I have had several letters saying that the bank in question does not agree with FSA etc. It goes in one ear and out the other (I have to read it out loud for that to happen) I just file when I said I would and that is that

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Texel.....This is for you.......smiles

God may have created man before woman, but there is always a rough draft before the masterpiece :)

Enjoy!

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Texel.....This is for you.......smiles

God may have created man before woman, but there is always a rough draft before the masterpiece :)

 

 

this reads to me as "Blah blah blah blah blah blah .......... New shoes"


 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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