Well I have some experience with Lloyds from a few years back and negotiated myself a reduction over lunch of £60k on a £117k balance, now I live dangerously I'm afraid and negotiate hard. You obviously wouldn't have generated that kind of t/o without having a bit of grit either, so you need to start thinking like they do ( god forbid!) When I asked about equity I wasn't asking if you could raise more, I'm thinking as they do, how much is there? Can we go for it? or - is it as near as damn it negative equity and you can negotiate using that negative to do a deal? That's where I am coming from, reduce what is available and prove it, then

Think that's called snap..... nearly.....

If you get a free fax-to-email service with somebody like Faxtastic, then you can send yourself a test fax to see how it looks and what information (if any) is appended by the machine.

I wouldn't think so because the m/c doesn't know your no., so the outgoing number will be blank on the fax, however whoever you're calling may log all incoming calls automatically so the 141 should prevent that.

Moorcrofts threatograms are not worth the paper they are printed on. They just look/sound more scary than what they actually are. Tell them to get stuffed & report them to the OFT.

what is the story with the 600 odd paid into your account? did you agree to this and if so under what terms? are there any facts stated in that letter that you disagree with?

Proberbly another threatogram stating they will come & take your 1st born. Or maybe even a "generous discount" Whatever comes back will not be worth paper its printed on. Report these clowns to the OFT/trading standards asap.

Thanks so much Martin and Scott, you've been a great help. I will follow you advice and file with the local court and keep you posted with any developments it goes. Thanks again, lesley

The ground rent on the lease will probably be a 10 year period usually paid in advance not arrears.

902. I have no expertise in these matters, but would like too offer you a reassuring reply.. i would suggest, on the information that you have provided, that a "jail" term, is VERY unlikley. As for the depression, and recurring thoughts of self harm, perfectly understandable, and easy too fall back into, in a stessfull situation. Believe me, i talk from experience, look at everything you have achieved, and are achieving, the stress and the thoughts,, will pass, you KNOW that, as you've been there before etc. Someone more knowledgeable as regards this process will, i'm sure be along and be more help than i. Until th

Almost without exception, mobile networks are fairly inflexible when the consumers make a mistake. At least you did make the calls - the amount they chargew is always a minimum ONLY, it can always be higher - and when you think about it, all it takes if a few Premium SMS texts and you're off and running with high charges to have no hope of controlling. Or if you're phone is stolen, again until you arrange blocking, you are responsible for all costs even though you never made any calls. Past custom is never of any interest to them - they have a problem they need resolved, and if you fit in with their proposals, you have a chance to rede

A large number of County Court Judgements, CCJ's, are the result of undefended summonses. Usually because the defendant is unaware of the response needed does nothing, so the court enters a 'Judgement by Default'. The Central Registry then passes the judgements to the credit agencies. A debt can be paid off but the judgement stays on record because no one asked for it to be 'set aside'. Simply because they did not know that it was necessary. There are other reasons, detailed later, which the courts will or will not accept to 'set aside' e.g. A defendant can state that they have been making regular payments But not if the payments have bee

ok, use this template and send it to them, also print off some copies in case they totally ignore it, if a bailiff comes to the door (unlikely) give them this letter and close the door. obviously amend to suit: Dear Sir or Madam, Account Ref xxxx Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks/months and these have been duly logged by time and date. Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointm

Ok because no defence was submitted the Judgement was by default and the full amount becomes payable by demand.An application to vary the payment is the way forward usualy known as a redetermination order.However this is usually submitted within 14 days of the judgement via the N245 form,so a set a side would be preferable in this instance. Regards Andy

Hmm well if they have no property and no assets if the debt is in both their names then possessions can be seized through bailiffs if the creditor goes back to court and advises the CCJ is not being honored, other options are available like making them bankrupt although thats not financially rewarding to the creditors so unlikely. I think if they are not prepared to fight these CCJ's then its apply to vary the order and get installment payments set up. Thats about the limit of my advice I'm afraid. S.

As you are in Scotland you can look at charges from 27th July 2002(as the clock stopped on limitations on 27th July 2007) under FH. If you take the claim to court then it will be stayed pending the conclusion of the OFT test case issues.

Ok, they are unsecured, they cannot take your house. Write to each of the companies with this letter, (apart from the Barclay's overdraft which isn't covered by a CCA) send them unsigned, by recorded delivery and with a £1 postal order in each. You are asking for a copy of the Consumer Credit Agreement, which they need to produce within 12+2 working days of your request or the debts become unenforcable until they do produce one. The second part of the letter is basically telling them to stop harrassing you. I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY. Re: Dear Sir, With referenc

Ignore the parking co. Even if you took them to court and won - which shouldn't be too hard - you'll struggle to actually get the cash. These cowboys collect CCJs for fun. Your best best is to pursue the healthcentre. Regardless of the unenforceability of the charge, if your situation meant you didn't even breach their alleged contract, it should be easier to chase the NHS. Maybe go in person and talk to the healthcare staff and see if you can get some details of the manager. Might be best to try softly softly first and then play hard ball if they don't co-operate.

Afternoon Caggers, If its any help to anyone dealing with GE over ppi, I have done a bit of digging so far as GE is concerned over the ppi issues - as I previously said I aint letting this one go! Taken from the FLA guidelines for agreements made before 1st September 2000 :- 4.0 Credit Protection Insurance 4.1 Members shall ensure that customers are made aware, where appropriate, of the availability of credit protection insurance. 4.2 Details of the major items of cover and exclusions under credit protection insurance policies arranged by the member, including eligibility criteria, shall be set out both clearly and pr

Hold fire for now. I have asked someone I know is good on the FOS to take a look at the thread and I am sure they can advise you.

Agreed, In addition, there is a letter here you can use. We would need the answers to some of the questions Yourbank asked first. http://www.consumerforums.com/resources/templates-library/48-bank-templates/234-s10-data-protection-act-notice-if-you-have-been-defaulted-for-unlawful-penalties- Lex.

You're welcome:)

Personally I would contact the CRA and advise them that as the debt has not been verified, and is not legally enforceable as it is SB, they should remove the incorrect data from your file, and whilst you are waiting for them to do this, they should send you a copy of their complaints procedure, and a complaint will also be filed with the ICO also.

post a thread in the ppi forum our ppi master - alanalana should see it and help. dx

Seems like you have a great case for a set aside. However you need to apply asap. Suggest you read through threads on here for more info (search ccj set aside) but to start the ball rolling can you answer the following: 1. Is this an unsecured loan? Is the amount they have claimed more than £5000? How long ago did you take it out? 2. Have you changed your address since April 2009? 3. Did you ever receive a default notice from RBS prior to termination? Could it have been the 'letter' asking for the £400 arrears? If so, can you post up (remove your personal details) 4. Have you ever sent for a copy of your agreement?

Acas - Disability I would suggest that you put your grievance in writing immediately. Title the document 'Grievance' Address it to your line manager In the main body of the document state; When you first alerted them of your suspicions of a disability, that you repeated this at the disciplinary meeting, that you followed your employer's suggestion to seek medical advice and a diagnosis of ??? was made on/around 'date'. When you first asked them for assistance in you working conditions, any other dates on which you asked for their assistance. State that they have failed to offer you any assistance to date and t

The credit agreement is extremely vague. They claim authority to charge interest and roll the balance over to the next month, however when you look at the contract there is no specific clause which allows them to do this. Nor is there any re-loan agreement to enable this to happen. I borrowed £400 and have now paid back £733.00. With regard to the cheques that you wrote out, you need to argue that you was not aware that the cheques were going to be guaranteed and furthermore I do not belive they are allowed to guarantee the cheques unless you were present. See below my argument: 1. I entered into a loan agreement with Uncle Bu

Hi Shadow, This is a skele from IGNM's won thread. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/191754-arrow-global-ignm-1st-5.html#post2147629 I hope its of use to you. Good luck, Spam.

regards

Explain to you partner how you obtain a CCJ. [problem] revolves around people's cluelessness about it. Alos tell her that Euro Car Parks have never taken anyone to court. Have you had a letter from Brinx yet? Debt collectors owned by....Euro Car Parks. The whole thing is the biggest [problem] going. Ignore everything and don't worry.

Hi, I have very little experience in this area, however I am sure someone with more knowledge will be along soon. Do you have the original judgement after the determination hearing? What does it say? I would phone the original court and verify these details, and then tell them what's going on. They were the ones that authorised the case to be referred to the High Court for enforcement. If, it turns out you were mistaken and that the enforcement is legitimate then, if you are able to get to London you can get a 'Stay of Execution' you need to make an N244 application (details on the National Debtline's website) http://www