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    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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Little Known Legislation ??


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Hi

 

On some Advertisements, for Debt Management companies, they state they can reduce debt down with a "Little known piece of Legislation"

 

Has anyone any knowledge of this

 

The reason I am asking, At present, I have a Debt Management company dealing with my debts, and I do not think they are doing their job efficiently

 

Payplan is the Debt Management company

 

So as prior to them taking over, and now in the knowledge of what I am able to make allownaces for in my Income and expenditure, I wish to reclaim control.

 

And If I am able to make use of this little known legislation, I will take full advantage of it

 

Please if you know, let me know

 

All help is Appreciated

Regards

Sophie

 

Thank you

 

Please Note

Advice & opinions of Sophie-Jane are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts

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It could well be an IVA - an voluntary arrangement with your creditors, they tend to use this as a selling point but it comes with all kinds of problems. I would suggest discussing your situation with the ccca ( consumer credit counselling service)http://www.cccs.co.uk its a charity and will give very good advice for free about how to deal with your debts. Debt management companies tend to be profit driven also and to be honest you can do much of what they tell you yourself without tieing yourself up for 5 years. They are tempting for the unwary as it seems like an answer to everything. Don't be frightened by your debt - there are many many ears out here waiting to help. You just need to get the fear out of you and start organising yourself. You have made a start by going to a debt management company, but if you haven't signed anything yet Don't until you have explored the alternatives. You may well be able to resolve these debts easily without going into a Voluntary Arrangement.

 

With a careful bit of research alot of information about making arrangements with your creditors can be done by yourself and with the help of so many on this forum. The cccs is getting very good reviews from forum members who have got into a pickle and its free. Be wary of the Debt management companies. Ask, then ask again EXACTLY what it's going to cost you and for how long, how much they are going to get and when you know the answers ASK AGAIN! Come back here again and you'll be talked through the steps.

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  • 1 year later...

Hi,

 

after burying my head in the sand and much embarassment i went to Debt Free Direct, whom to be fair didnt seem to be doing very well with my situation so i decided to ring the cccs!

They told me that they would probably referr me the DFD so to hang on in there.

 

How this works i am unsure but i am now with DFD and they own my life and the money i earn. if you can sort it out yourself then please do as i am stuck now and wil be paying them for something for if i had know more about myself would have took control.

 

Good Luck to you

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Hi,

 

after burying my head in the sand and much embarassment i went to Debt Free Direct, whom to be fair didnt seem to be doing very well with my situation so i decided to ring the cccs!

They told me that they would probably referr me the DFD so to hang on in there.

 

How this works i am unsure but i am now with DFD and they own my life and the money i earn. if you can sort it out yourself then please do as i am stuck now and wil be paying them for something for if i had know more about myself would have took control.

 

Good Luck to you

 

Have you actually entered an IVA?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Yes have been in for two month now and want to sell my home to be closer to my dad as my mum died 3 weeks ago. I was moving to be closer to her as i was caring for her full time.

 

It has my head battered as to what they want from me and especially when they want 50% of the equity.

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Unfortunatly not. I am moving to a much lesser house which is basic and less room as due to the iva i can not up my mortgage any ( which isnt a bad thing really) but i have no savings to pay for solicitors and estate agents fees so this is comming from the equity also.

 

What is left is a few grand but not enought to end my IVA due to been a very impatient and demanding and also stupid person.

 

Also they are not sure about what moving to a house which is worth less will effect my IVA as they expect you to remortgage up to the max after the 5 year to pay the short fall.

 

I ask questions but get no answers apart from it is a YES to move but if i do not know the rest of the dirt what the hell am i supposed to do?

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I work within the industry and i would say that an IVA is only suitable for about 5-10% of people in debt. if you are looking to consider options at repaying your debts i suggest that you speak to one of the free debt-help charities such as CCCS or National Debtline.

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