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    • a time order or time to pay form you should already have in the pack is admittance of the debt it is not avoidance of it   form-o3---notice-to-be-served-on-defender-in-ordinary-action-where-time-to-pay-direction-may-be-applied-for-actions-lodged-on-or-after-4-april-2011.doc (live.com)
    • What happens now is that the central court will send both you and the fleecers a simple form called a Directions Questionnaire, and then allocate the case to your local court in the small claims track.   Read some threads with "claimform" in the title and you'll soon get the hang of the legal process.  In fact it's essential that you gen up.    
    • Back in September my husband was at home with our 2 year old son and 5 months old puppy when suddenly a DPD driver walked into our property.  We live on a main road and the front door was wide open while he tried to take a picture of the goods inside.  My husband was shocked and furious which is understandable as open doors, main roads, puppies and toddlers don’t mix.  At the time we had a man in servicing the boiler so the front door was not locked.   My husband shouted at the guy to get out and the rude driver persisted with his attempted to picture  the package in the hallway even calling my husband “white boy” and telling him to shut up.  My husband ushered him out of the house and shut the door.  He immediately called the local DPD depot and raised a complaint to be told that someone would call him back.  This call never came.  We did not pursue this as no harm had to come anyone and DPD were obviously not interested.   Fast forward a few months and I was expecting a coin from the Royal Mint for the value of around £750.  The tracking on the delivery of this stated that coin had been delivered, then it said it had been delivered to number 2 (we are number 18).  Calling over and over again I was never supported by DPD as to where my package was.  The Royal Mint was informed it was delivered and I was invoiced £750 for the coin.  Try as I might to have this invoice removed from my name they would not budge as DPD said it was delivered.  It nearly got to court proceedings before the coin eventually landed back at the Royal Mint.  After that debacle I was frustrated, rejected another coin being sent and left it at that.   Again we move forward a few months and I am now expecting some gardening tools to be delivered that ordered from Amazon.  I had no details of the delivery but then I get an email from the seller advising me the items are on their way to them and I will get a refund.  I check the tracking information and once again DPD have returned the items. I thought this was odd but calling through to DPD offered no input as to why and they just told me to order them again.   A week later I take out a new contract with Sky for a mobile phone and on the morning I am due to get the delivery from DPD the goods are sent straight back to sky.  I was so puzzled at this point so I call DPD and ask them why. They inform me that there is no name on the parcel and due to the value of the goods there has to be a name.  I literally spend all day on the phone to sky speaking to various departments trying to get a new phone but they all inform me that I have to have a new order which means a new credit check.   I hate this idea because one credit check knocks your score by hundreds of points and takes months to build back up.  In the end they say they can send a new phone and to my relief they dispatch that night.   The next morning I wake to a message to say the phone had been shipped but was rejected by DPD and sent back to Sky.  I called DPD and was told they can’t tell me why and I must speak to sky.  I speak to sky and they tell me I have to speak to DPD.  My frustration is working overtime at this point and I have nowhere to go.   I remember I have a contact through work of someone at DPD who was trying to get my company to use DPD’s services.  She was incredibly helpful and confirms that my property has been blacklisted because the driver feels unsafe!!!  He feels unsafe!!!  He was the one who entered my home yet he feels unsafe???  My contact passes on my details to the exec helpdesk who proceeds to tell me that they are very sorry that all of this happened, they have retrained the driver however they will not remove the ban on deliveries to my property.  I ask why I cannot collect from a local drop box or shop but am informed they do not offer this service (although this is a service they promote as it saves the environment).  They say my complaint was called back but we didn’t answer however this is not correct as no call was ever received.    To make matters comical is that the same driver deliveries to my husbands place of work and he collects/delivers regularly.  He doesn’t even recognise him let alone feel threatened by him.  The exec helpdesk have said sorry for their lack of transparency on the blacklist of the address and for the bogus reasons for rejecting my parcels.  They have said sorry for not following up the call more than once and they have said sorry that delivering to drop boxes and shops is not something which they do.   They seem to be very sorry for a lot of things but it does not help me fix this issue and it impacts any further online shopping as I must now always establish who the courier is before placing orders….which is quite a difficult thing to do!   Where do I stand with this because I still don’t know what the driver is even saying happened as nobody will divulge this.  They seems to have closed ranks and are taking the drivers word as gospel over the version of events which we are not able to defend.   The lies they have told so far to me and their customers (Amazon, Royal Mint, Sky) about the bogus return reasons shows they are not a truthful company. Back in September my husband was at home with our 2 year old son and 5 months old puppy when suddenly a DPD driver walked into our property.  We live on a main road and the front door was wide open while he tried to take a picture of the goods inside.  My husband was shocked and furious which is understandable as open doors, main roads, puppies and toddlers don’t mix.  At the time we had a man in servicing the boiler so the front door was not locked.   My husband shouted at the guy to get out and the rude driver persisted with his attempted to picture  the package in the hallway even calling my husband “white boy” and telling him to shut up.  My husband ushered him out of the house and shut the door.  He immediately called the local DPD depot and raised a complaint to be told that someone would call him back.  This call never came.  We did not pursue this as no harm had to come anyone and DPD were obviously not interested.   Fast forward a few months and I was expecting a coin from the Royal Mint for the value of around £750.  The tracking on the delivery of this stated that coin had been delivered, then it said it had been delivered to number 2 (we are number 18).  Calling over and over again I was never supported by DPD as to where my package was.  The Royal Mint was informed it was delivered and I was invoiced £750 for the coin.  Try as I might to have this invoice removed from my name they would not budge as DPD said it was delivered.  It nearly got to court proceedings before the coin eventually landed back at the Royal Mint.  After that debacle I was frustrated, rejected another coin being sent and left it at that.   Again we move forward a few months and I am now expecting some gardening tools to be delivered that ordered from Amazon.  I had no details of the delivery but then I get an email from the seller advising me the items are on their way to them and I will get a refund.  I check the tracking information and once again DPD have returned the items. I thought this was odd but calling through to DPD offered no input as to why and they just told me to order them again.   A week later I take out a new contract with Sky for a mobile phone and on the morning I am due to get the delivery from DPD the goods are sent straight back to sky.  I was so puzzled at this point so I call DPD and ask them why. They inform me that there is no name on the parcel and due to the value of the goods there has to be a name.  I literally spend all day on the phone to sky speaking to various departments trying to get a new phone but they all inform me that I have to have a new order which means a new credit check.   I hate this idea because one credit check knocks your score by hundreds of points and takes months to build back up.  In the end they say they can send a new phone and to my relief they dispatch that night.   The next morning I wake to a message to say the phone had been shipped but was rejected by DPD and sent back to Sky.  I called DPD and was told they can’t tell me why and I must speak to sky.  I speak to sky and they tell me I have to speak to DPD.  My frustration is working overtime at this point and I have nowhere to go.   I remember I have a contact through work of someone at DPD who was trying to get my company to use DPD’s services.  She was incredibly helpful and confirms that my property has been blacklisted because the driver feels unsafe!!!  He feels unsafe!!!  He was the one who entered my home yet he feels unsafe???  My contact passes on my details to the exec helpdesk who proceeds to tell me that they are very sorry that all of this happened, they have retrained the driver however they will not remove the ban on deliveries to my property.  I ask why I cannot collect from a local drop box or shop but am informed they do not offer this service (although this is a service they promote as it saves the environment).  They say my complaint was called back but we didn’t answer however this is not correct as no call was ever received.    To make matters comical is that the same driver deliveries to my husbands place of work and he collects/delivers regularly.  He doesn’t even recognise him let alone feel threatened by him.  The exec helpdesk have said sorry for their lack of transparency on the blacklist of the address and for the bogus reasons for rejecting my parcels.  They have said sorry for not following up the call more than once and they have said sorry that delivering to drop boxes and shops is not something which they do.   They seem to be very sorry for a lot of things but it does not help me fix this issue and it impacts any further online shopping as I must now always establish who the courier is before placing orders….which is quite a difficult thing to do!   Where do I stand with this because I still don’t know what the driver is even saying happened as nobody will divulge this.  They seems to have closed ranks and are taking the drivers word as gospel over the version of events which we are not able to defend.   The lies they have told so far to me and their customers (Amazon, Royal Mint, Sky) about the bogus return reasons shows they are not a truthful company.   How are they able to blacklist and not tell anybody and lie to everyone involved as to why.   If anyone else needs to complain to DPD use the following email address: [email protected] 
    • Given they have presumably done this work for other properties, hopefully your complaint will now make them take you seriously and put you at the head of the queue.   If that fails and you do have to threaten or take legal action, given what you have - paper trail, promises by them to do the work at various dates, acceptance by them of their responsibility - I think you're in a great position.  You've gone the right way about this.   Let's do this.  Wait till Thursday.  Then come back here and if you've had no joy we can think about a Letter of Claim.  Legally there are various timescales which may or may not include giving them a final chance to complete the work before you do it yourself and sue them - I'm afraid I only have the vaguest knowledge of these but on Thursday we can "call in" Caggers who have years of experience with problems like yours.    Very good idea of yours to get quotes for how much it will cost to do the work.
    • Update of this Court Case  Good afternoon   I can confirm that the initial breach occurred on 28 October 2016, as outlined in the attached Witness Statement.   I have also attached all of the Witness Statements issued in relation to your case.   It is our position that your defence does not raise any grounds with reasonable prospect of successfully defending the Claim and there is no good reason why the matter should be disposed of at trial. As such we would be prepared to offer you an arrangement under a Tomlin Order for repayment of the outstanding balance at an affordable amount.   If you would like us to draft a Tomlin Order, please confirm your offer of repayment by return.     ****The court case is scheduled for July*** this does not seem correct in terms of dates to me with regards to initial breach?    I  have not signed any paperwork received a default and they have conceded they did not contact me for two years after the sale. Should I send them a CPR request now?    The court costs they have now added for themselves are over £1.5k and the original debt they say was £2.3K.     
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cant take no more sleepless nights worrying how im gonna pay the stack of bills on my table.All cheques written out and shoved in envelopes ,only waiting to get sent.

 

ive been on lower arranged payemnts for ages but i still cant manage,i receive full child and work tax credits and hubby works 18 hrs a week,we dont own a home,car or any thing else.Do you think it possible to claim bankruptcy?

 

ive been reading through alot of threads and my main concern is getting the court fee together.

 

feel like running off a bridge :(

 

any advice would be great so i can sleep again

 

:?

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right ok....

 

 

here goes

 

 

 

i went with the cab, 2 years ago who totally cocked up my repayments.they didnt sort it on a pro rota so thinngs got out of hand.After 12 month of minimum token offers cab wouldnt help me no more (they only assist for 12 month).so i started getting letters from every one wanting up my payments.so stupidly i did as i could.My hubby has a bank loan so we are trying to cope with this too :(.i contacted the national debt line who worked out with the arrears in rent and council tax i have (due to benefits recharging an over payment) i would be better off filing for bankruptcy and they sent me all the info.

 

my nerves are shot.:(.....i owe about 15,000 altogether and i cant do it no more.im not sleeping worrying about were the next meal is coming from,i keep going over drawn at the bank so its like a catch 22.just today i had 50 charge on my bank because of bt taking the wrong direct debit from my account.they gave me the over drawn charge back as credit on my phone bill but not the monthly over drawn charge :( so its left me in the poop...dont think i would be able to get the court fee together though so im all over the place

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Give national debtline or cccs a ring straight away:

 

0808 808 4000 - NDL

0800 1380 111 - CCCS

 

Without knowing detailed specific facts it would be very difficult to advise on Bankruptcy on an internet forum, the above debt help charities would be able to discuss your circumstances and aid you in moving forward. I can guarantee you that you will feel 10 times more positive after the call.

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thanks guys

 

its basically

,credit cards,catalogues,store cards.nothing secured on anything at all :(..im scared to ring any one to be honest.hate using the phone

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thanks guys

 

its basically

,credit cards,catalogues,store cards.nothing secured on anything at all :(..im scared to ring any one to be honest.hate using the phone

 

i can appreciate that but i can guarantee it will be a huge weight of your mind. i work very closely with both of them and i know first hand the difference it can make!

 

if you don't like using the phone, have a go at filling in a budget sheet, how much do you have left as your surplus income?

 

here is the form to fill in.

 

National Debtline England & Wales | Personal Budget Sheet

 

are the debts in your sole name?

are you aware of the costs involved with bankruptcy?

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Right as sequenci says give NDL or CCCS a call and get things rolling.

This will give you some breathing space and we can help tackling the others.

 

Now I noticed that you have already started action against A&L over charges, well the same thing can be done for ALL your other debts.

Get the SAR's going to the original creditors and make a start.

 

Now how many of these debts are being chased by collection agents (DCA's) and how many are you paying ??

Be VERY careful whose advice you listen too

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most of the debts are in my name yes

we have one shared bank loan with both our names on

 

i filled in one of those budget forms with national debtline.they were great on the phone to me last time,i got the bottle and rang.my main concern is the court fees.i know i may get exemption from the court fee but its still over 300 pound to file for bankruptcy

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most of the debts are in my name yes

we have one shared bank loan with both our names on

 

i filled in one of those budget forms with national debtline.they were great on the phone to me last time,i got the bottle and rang.my main concern is the court fees.i know i may get exemption from the court fee but its still over 300 pound to file for bankruptcy

 

give the association of charity officers a call, they might be able to help:

 

01707 651 777

 

they help find funding for people in need.

 

if you go bankrupt your other half will be liable for the full amount of the joint loan (unless they go bankrupt as well, of course)

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what do i say to them :( sorry is so nervous

 

they are really nice. they help people in exactly your position. you might also be able to apply for help from your utilities firms too. some of them have trust funds that help with bankruptcy fees.

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The debts that are with DCA MUST be checked to ensure that they can legally collect them.

 

This is achieved by requesting a copy of the Signed, Executed Credit Agreement via a Consumer Credit Act (CCA) request.

This request only applies to cards and loans, not things like utility bills or council tax arrears basically anything covered by the Consumer Credit Act.

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter N.

Is it important to start the letter:

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

 

It is best to send this request via recorded/special delivery as there are some important deadlines to observe.

 

After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.

If a FURTHER month passes then the DCA has committed a summary criminal offence and the matter should be referred to Trading Standards for action.

 

I hope this clarifies some things.

 

Now as and when they supply this information you will be in alot stronger position to deal with things.

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Be VERY careful whose advice you listen too

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omg that sounds so confusing :(

 

it's very easy, you send (using special delivery) the letter in curlyben's post with a postal order for £1, for each catalogue, card card, or fixed term loan debt.

 

Then you scan and post everything they send you back, in response (minus personal details like name, address etc).

 

If it takes more than 14 working days after receipt of the letter for them to send you anything back, stop paying that debt temporarily.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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post to who....omg i i sound so thick im sorry :(

 

The DCA (Debt Collection Agency) OR, if they aren't with a DCA, the original creditor (e.g. barclaycard, egg etc).

 

Oh, and don't sign the letter... just type your name. include a copy of a previous letter from them as ID.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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The DCA (Debt Collection Agency) OR, if they aren't with a DCA, the original creditor (e.g. barclaycard, egg etc).

 

Oh, and don't sign the letter... just type your name. include a copy of a previous letter from them as ID.

 

Tomterm8 - I think you should sign the letter, but not in anything like your usual signature. This way if they do try anything funny you'll 'ave 'em:cool:

"Why CCJ when you can CCA!"

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