Hi I was informed at work on 06/01/23 that I was speeding in a company vehicle at 35mph in a 30mph zone this was at 12.23pm on 30/11/22, I have just received notice of requirement to provide driver details on 02/02/23. What time scales if any are legal requirement to inform me of prosecution Regards Hugo

My original offer of payment was more, but at moment not agreed anything it will drop to £1 per month as circumstances changed.

Last year I sent in my income and expenditure, with an offer of payments. I haven't been contacted by my creditor's but all have now been passed to debt collection agency, One dca caught me off guard on a telephone call, I made a complaint about this to the dca that I had offered payment and not had any response from my creditor, they then said they would send my files back to the creditor and close my file which they have, the creditor then sent me a letter apologising for this mistake and offered me £75 as compensation which i cashed last week. I'm now thinking that they have breached GDPR and now looking to buy a way out Any advice maybe all the others have breached GDPR how would I find out, and could I still make a complaint against the one that sent £75 Cheers

Ok here an update on situation. All but one of my creditors have put my accounts on hold until 22/11/21, which is fine seeing I was off work sick for 3 month, the time is given for me to get an up to date income and expenditure sent off. The one creditor has been adding interest and late fees on my account and ignored all letters I have sent, I get phone calls, messages, letters etc of them regularly, they have not responded to my original letters to them regarding my situation. I have now had visit of resolvecall agency. I was not in but a note was put in my letter box, I'm assuming it's from them. Do I make contact or ignore them or do I contact the creditor again.

Hi Sent the 2nd libary letter off, none have accepted my 1st offer or even indicated they have received the first letter, getting phone calls and voice mails daily, (I've not answered them) I've letters coming weekly to phone them to discuss. Also late charges being applied to accounts.

Cheers dx, thank you. Think they are ignoring my letters as I sent out 2 other letters same post changing my direct debits to insurance companies they have received them and processed them to my new account. Regards

Hi people Been a week since i posted pro rata letters 1st class to creditors so they probably got them on Monday I was expecting phone calls or letters to come from them, I've not heard anything until a text message today from a card stating payment is due today if unpaid a £12 charge will be made. Should I phone them and tell them I've sent letters Cheers

Hi, All letters sent out with offer of payments, expecting contacts from them in next few days nothing in default yet 18th of month will be the first missed payment on the loan. I wasn't ignoring dx100uk advise, maybe trying to save face and get some other kind of income. Loan 4 years old 2 cards over 5 years 2 cards approx 2 years Thanks

Hi. dx No i didnt I carried on paying what I could using my income and savings, but the crap hit the fan about a month ago, first partner was off work then me. I tried to keep my credit record good but suppose in reality nothing getting better. Just drawing up income and expenditure won't be much left with ssp could be off 2 or 3 month. letters will be off this week. Cheers for reply Nothing I can claim on benefits side of things, I will have to submit 2 different income and expenditure, one single ie my debt to the cards and another joint for the loan, bit confusing, what's lowest they will accept nothing left, maybe I can play around with it for to make a small payment. Cheers

Thank you, I will look into this my partner has an income approx 1k per month, but she's not on cards only on the loan and mortgage. How does this affect income expenditure etc, do they expect her wage to come into the cards.

Hi thanks for quick reply. All cards with oc mbna, hsbc, tesco, barclaycard, loan with tesco, never missed a payment but over last 6 month dropped down to minimum payment, due to 20% drop in income being furloughed 9 month last year, made redundant end of last year, took a lower paid job, now currently on sick leave on ssp, so very little income. it's now come to a head where I have to send the letters of explaining my situation. Many thanks Mick

Hi do I wait until the oc put my debts into default before I send template letters off to them, I have cancelled all direct debits this month. My connected post to this subject has been closed due to time lapse. Thanks

OK thanks I'll give it a go see what comes up

Ash ok I'd have thought they have to keep it for a while

I'm thinking more on the grounds of redundancy and how it was decided who should be made redundant,.

How do I find the template to sar a former employer, I can only find the templates to banks etc

All with original creditors, no late payments, when my savings run out I won't be able to make payments Thanks dx100uk Much appreciated, are there any case studies how the creditors reply ie threat of charges put on house etc. Income and expenditure what are reasonable living costs i know everyone is different, limits on certain things ie shopping, utility bills. I don't want to over or under estimate.

Hi I have 4 credit cards and a loan total 35k I have equity in my house that would probably cover it just. But then be homeless. No debts are secured on my home, only my mortgage, I was made redundant during the pandemic and got a lower paid job, my redundancy payment is running down fast trying to keep up paying them, getting worried about having to sell up.

No it was my own, there is no rip or tear in the laminate just a indentation and scratches, which would be covered by another bed anyway. Thanks

Hi My friend and i have just left a property we rented for 3 years, we left it very clean and tidy, and with fair wear and tear. We have received a message re a small indentation in a laminate floor in the bedroom, (see pics) this measure aprox 75mm x 50mm caused by a support pole in the centre of the bed. The pics are taken by the landlords representative and taken at an angle to make the indentation look worse than it is, im worried this could affect our deposit, how should i respond to this if try taking money from our deposit

Cheers Stu, I'll send him the link see if he will join the thread. Much appreciated

My son along with his friend (due to work) rent an apartment in the City, everything was fine but after about 2 months or so one of the concierge was becoming difficult to deal with, he was hostile, unfriendly and unapproachable. During the next 8 month or so they started noticing items being moved around the apartment also in the bedrooms and bathrooms drawers and wardrobes being disturbed, once he came home his laptop was open and the quilt was disturbed like someone had been led on the bed next to the laptop. Generally strange goings on at times this caused arguments and confrontations between them questioning each others honesty on many occasions. Pullovers, gym tops ,t shirts, hoodies, aftershaves etc even girlfriends underwear over the months have gone missing at first they thought they could have left them at parents, friends or even at the gym. Then in September his friend put the washing machine on and it flooded the apartment, when the apartment maintenance came to fix the washing machine he said that a piece of the rubber seal had been sliced away. They have in the apartment 4 or 5 key passes for access in and around the apartment block, kept in a bowl next to the door just to grab one when you leave, my son just last week could not get in the block using one of the passes, so he buzzed the concierge (not the hostile one) and was let in, the concierge checked his pass and it had been deactivated and was asked how he had got hold of this pass as it was a staff pass and belonged to the hostile concierge and had been deactivated because he had recently been sacked. Questions: How did the staff pass get in the apartment ? Why was the concierge sacked ? What approach should they take ie legal advice? I know theft would be hard to prove, but invasion of privacy by an employee of the company surely the proof is in the passkey left probably when the washing machine was sabotaged. He has emailed the company who manage the apartments to explain how a staff pass got in his apartment and why the owner of the pass had been sacked, but no reply as yet. Any help would be appreciated

Ive lived at same address all time, ive heard nothing since i gave them my bank details to set up a direct debit when i changed bank. until mortimer clarke about 2 month ago and certainly 1st time ive heard of cabot Thanks Hugo

Thanks Do i contact mortimer clarke to get all details and set up new arrangements/payment etc or go by original order.

yorkshire bank or allience and leicester cant be 100% sure until i get home. Ta