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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

pocketstapler

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Everything posted by pocketstapler

  1. pocketstapler
    You won't have to go back to court if you keep to the terms of the suspended order. If you fail then the lender may apply to execute the order, but you will have the chance to ask for the order to be suspended again using court form N244
  2. pocketstapler
    No.....But DO NOT pay for advice...It's all available for free.
  3. pocketstapler
    You will need to fill in N244 to vary the terms of original suspended order. Would also help if you complete a full Financial Statement & a Debtlist. Both these can be sourced from National Debtline, CAB or Stepchange.
  4. pocketstapler
    Kensington will seek enforcement of eviction at court. You MUST attend and make your case with a renewed offer of Mortgage plus £x per month. The Judge will suspend the order again on said terms if he deems your offer viable. You should seek help from your local Money Advice Centre or Citizens Advice Bureau immediately. If none local contact National Debtline ( Just Google them for contact details. All provide free help. Contact them ASAP> Good Luck.
  5. pocketstapler
    You gotta love RBS..............Poor sods can't get ANYTHING right !!
  6. pocketstapler
    You MUST go to the Court Hearing. If there is a Free Duty Adviser in court speak to them - they will negotiate & represent you in court usually. If not go into the hearing yourself equipped with a financial statement (U can download one free from CAB or National Debtline) and your reasonable offer of repayment (i.e. Current Mortgage plus £x per month off the arrears - also the date you can make first payment) Unless the Judge is a bit loopy your offer will be accepted. Also if no Free Adviser in court ask the usher to point out the Bank's solicitor and put your offer to them - Often he will agree terms before the hearing - don't be bullied or feel intimidated, if they don't agree to your reasonable offer just put it to the District Judge in the hearing. If your offer is reasonable given your circumstances 99.9% of Judges will allow it. Good Luck
  7. pocketstapler
    Broker??? Sent it to the lender!
  8. pocketstapler
    YW.......but DO phone National Debtline or CAB for reassurance............debts & threats can be VERY stressful and they will put your mind at rest. Best of luck!
  9. pocketstapler
    Have to say ...........There is Very rarely any mileage to be had from ANY form of dialogue with a bailiff! Also have never known bailiffs to try and recover any charges if the debt is paid directly to the Council. Even if Council refuses to negotiate make payments to them anyway, not to bailiff. DO seek advice from CAB etc
  10. pocketstapler
    Get advice from CAB etc. If you want further info on debt NEVER bother with the bailiff, your son needs to call the relevant Local Authority's Council Tax Dept.
  11. pocketstapler
    I assume it's a Council Tax or Magistrates Fine debt. Do NOT let bailiff in (They have no right of entry unless you let them in on one occasion). Ideally do not answer door. Seek full advice from National Debtline, CAB, CCCS etc. Good luck.
  12. pocketstapler
    You do NOT have to pay either...........disabled bays outside residential properties are NOT enforceable.............contact your local council
  13. pocketstapler
    Yep - Usual procedure. There should be a duty solicitor in court when you attend - make sure you ask to see him when you book in at court. Representation will be free. Good luck m8
  14. pocketstapler
    You may be able to keep your benefits if you have essential house repairs etc.........but seek advice regarding 'deprecation of capital' first from CAB or other advice agency.
  15. pocketstapler
    How much is lump sum?
  16. pocketstapler
    Ten Relation Officer has powers to prosecute landlords. Phone and get advice.
  17. pocketstapler
    Get advice tomorrow! Phone your local Council and ask for Tenancy Relations Officer.
  18. pocketstapler
    They also do visits to investigate perceived fraud!!
  19. pocketstapler
    It seems u r getting some rather dubious advice here. If u r unsure what to do next phone CAB or other advice agency for help and advice.
  20. pocketstapler
    Be VERY careful ............if the lender tries to repossess from your landlord u will have no rights and will be evicted without notice . Monitor your mail for letters from lender so u know whats happening.Seek free advice from CAB National Debtline etc
  21. pocketstapler
    Contact your local Council and ask for the 'Tenancy Relations Officer' - They can advise you & can talk to your landlord on your behalf - If landlord is non compliant they have the power to prosecute him/her. Good Luck
  22. pocketstapler
    Search locally for Carers organisations such as Care for the Carers for advice & support. Local CAB or Council will be able to tell you of local ones.
  23. pocketstapler
    NEVER give personal details to unidentified callers. DWP do visit in some circumstances but would normally write. Best wait & see if you get a letter or you could callthem to find out if call was genuine or a [problem].
  24. pocketstapler
    Typical Wescot tactics. Don't phone, they will only try to bully you. Send them a letter explaining when you will pay. Unlikely that they will send a doorstep collector (Who won't be a bailiff, just someone working on commission for what they collect) but if they do just give them a copy of the letter and shut the door.You will prob get letters threatening all sorts every week - usually empty threats designed to scare you into paying immediately. Speak to National Debtline for advice if you are still worried - It's charity org so advice will be free. Good Luck
  25. pocketstapler
    Ambulance. Chasers....NEVER. respond as you will get bombarded with marketing texts E=Nishikigoi;3869681]I've been going through the DCA's as they have popped up and with CRA requests etc they have pretty much all given up. A while ago I dumped our land line number when we swapped from BT to Virgin and did the same with the mobile so it's been peaceful! Just keeping an eye on my credit file (via deal from bank with travel/mobile insurance for a good price BTW) and it's just a case of watching them drop into the SB abyss over the next few months, lord know I tried to get this sorted with the original creditors but that was like pushing water uphill so I have no issues with the situation. However on a pretty new mobile number (couple of years old) I just got a txt from Debt Managment Ltd, I'm not going to call just wondered if they are chasing and got my number or are they just one of the PPI ambulance chasers?

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