Showing results for tags 'threat'.
-
Hi all (again). Needing a lot of advice lately! I am proof that burying your head in the sand is the worst thing you can do Yorkshire Water have a CCJ against me for unpaid water charges. I haven't made any payments against this CCJ. I received a letter dated 01 March advising me that if I didn't contact them within 7 days they would be applying to the High Court for a Writ of Execution. The amount outstanding was £674.96. I called and made an offer of payment £20 every 4 weeks, I gave her my income & expenditure details which showed £20 was what I could afford. She said that the minimum payment she could accept was £75 per 4 week as this was due to the fact that when 2013/2014 water bill is added it is £928.68 and it needs to be cleared within a certain period? Anyway, I made the payment of £20.00 there and then on the phone and she said that I needed to call by Friday (today) and make a payment of £8.68 (which I have done) which would stop the issuing of a High Court Writ. My question is what do I do? I can't afford to pay £75 every 4 weeks but I also really don't relish in the though of HCEO. -
I am on a Debt Management Plan. I am struggling to keep up some of the repayments. If I get a CCJ, I will probably lose my job. What should I do? The DMP is self managed at the moment. It has been set up since the end of last year, and I fear it is too soon to contact creditors to make alternative offers. I feel threatened by my employers as the owner of my company does not like me, and would like to get shot given a chance. I don't like the threats. When confronted he always lies and claims he didn't say them. It's my word against his and there's not much I can do about it. Any suggestions what I can do would be good.
-
Can anyone tell me what the law is on planning application time limits are? Do the council have to place a notice on the building that is the subject of the planning application and if so do they have to allow a certain amount of time between posting the notice and actually making a planning decision? Thanks in advance.
-
hi i have a threat by safeloans for £510 and now they are threatning me with court for this, i am currently on benefits and cant afford what they want me to pay back, i want to pay this back but at what i can afford i have 4 young kids as well as a partner to try and support, and now i have this hanging over me i have been putting it off trying to avoid it yes its stupid i know, but now i need to sort it and fast as i dont want to go to court, any advice greatly recieved.
-
hi my wife got into some finacial difficulty with these pay day loan companys, there are now making aggressive calls and also sent a letter to my wifes company stating they are going to send bailiffs to the company to collect/enforcement are they legally entitled to do this,please help
-
ve just registered with Noddle to check my credit file out and couldn't quite believe what I saw. ( I cannot post a picture yet) so I have added a censored version below: Active Securities LTD Address Mark _________ Is A F**king Dead Man Cheshire WE'RE COMING I'm going to hit the "something wrong" button, but surely they shouldn't be able to post stuff like that on there? And just because I''ve got some finacial problems they shouldn't be able to threaten my life. just shows what low life **** were dealing with. Should I report this to the police? if so how?
-
Hi to all I have been legally parking my taxed,mot'd and insured vehicle on a public road which is a cul de sac as it has public access to a small wood where I walk my dog. The residents (mostly retired people) have a dislike of people parking on their street I've even suffered abuse shouted even though I'm simply going about my law abiding business and there is public access at the end of it and the vehicles are legally parked and not restricting their access in any way. Today I noticed new signs have been installed saying "ROAD USE HOUSEHOLDERS ONLY" they appear to be legit council signs, there is no info of any fines/punishments should a non resident park on this public road or have any double/single yellow lines been painted. Any ideas as to what my legal position is should I decide to park my vehicle for an hour while I walk my dog?. Is this sign even legal as I see this as an infringement of my civil liberties I pay road tax, this is a public road I should have every right to legally park on this road. Your thoughts would be very welcome -
the debt is not disputed. it was approx £3400 balance of a business debit with a food provider. their dca 'offered' a payment plan of £500pm or bancruptcy, which i managed for 2 months even though i explained the business was closing and i had no income - not even for my priority debts. i then asked for a lower plan of 100pm but they wanted more 250, but took 200, so again i limped along. not paying any off the other business debts as they werent chasing or threatening bankruptcy! i have not made payment for the last 2 months, so the other day received dca letter of impending bankruptcy proceedings for the balance of £1654.67 [this includes late payment and interest to date of £240]. i have now received an email from the Food provider directly, saying they have exhausted avenues etc etc; and notice i have a property registered in my name. so my question is this.... if they force bankruptcy, presumably they cant have a charge on the house - as it will have to be sold? plus if they do force their debit, at 1600 is a small drop compared to the other creditors in excess of 11k utilities and 10k business rates, so they would lose out in the % in the £ ratio. if they go for the charge - INSTEAD of bankruptcy - can i ask for a non-interest bearing charge? thoughts and advice welcome please. i am going to reply to the FOOD supplier first as i hope their email is a sniffing around for a better option that forcing bankruptcy etc. thanks. -
Hello.I hope I may get some words of wisdom here! I am not working and my wife has been on long term sick for three years on around half pay. My mortgage lender got a possession order just over two years ago but have only now enforced it and we are to be evicted on 13/12/12. Our payments have been somewhat erratic (the money goes into my wife's account and she is supposed to pay bills but she has severe depression and doesn't keep up to things). Our arrears are £15000, the house is worth about £180000 with £152000 owing. I spoke to the CAB advisor on Friday and she said about the N244 form but before doing that, speak to the lender which I intend to do on Monday. My monthly payment (interest only) is £330. Do you think offering to pay this + say £170 towards the arrears is a reasonable offer? (I can only do this because my son has offered to pay it). If they don't accept that do you think a judge would think it reasonable? I think the only way forward is to sell up.Would it be reasonable to ask the judge for a few months "selling time". My other fear is that as my wife is still employed by a bank she could well lose her job,and income, because of this. Any input greatly appreciated. It's been good just to share my troubles!
-
Hoping somebody can help within the next 3 days I have left I had a court fine in October 2008 for un-taxed car which payment was sent in April 2009. Now in Nov 2012 I receive a letter saying they have traced me down and have 7 days to pay initial fine + £85 fee or they will attend to seize goods to sell. I have none of the original documentation as this was probably destroyed as I have moved address twice since the original fine imposed and have received prior communication from Marston (each time I moved I had post diverted to new address) My time is running out and I don't know what to do? -
Hi everyone, I have received a threat from Severn Trent which says that if I fail to pay the due amount within 14 days, county court proceedings will be issued against me. The original bill was for £161 and to date I have paid £107 and £54 remains. My yearly rate is £218 but I only recently moved in so my bill is broken up. To be honest I am struggeling with money at the moment and I contacted STW last week to explain my situation, but all they were interested in was setting up a direct debit or payment card which I dont want. I sent a letter to them last week to inform them that I am withholding the remaining balance until December 31st (the money that I have paid so far will cover me up to this date). 3 days later I get the court action threat through my door. My question is- have I acted unlawfully by withholding payment? Am I within my right to do that? I have not refused to pay, but rather I want to pay on my terms. Any thoughts on this? Many thanks. Dan X
-
Hi all, hoping someone can advise on what i should be doing with this letter. Received a letter from gpb solicitors working on behalf of iQor recovery services limited regarding an outstanding balance of £1959.19 owed to Lloyds TSB. Says full payment must be received in this office within 10 days otherwise a CCJ may be issued without further warning. It goes on to list a breakdown of court fees & solicitors costs that would be added. If you fail to respond to this letter & we do obtain judgement it may lead to further enforcement action. Now i do owe this money for a current account/overdraft and the default was issued on 13/10/2010 but there's no way i can pay in 10 days. I am putting most of my extra money each month towards priority debts. Is this JUST a threat or will they follow through on this if i don't reply. Do i try and set up a payment plan or just leave it? My understanding is they can't issue a CCJ......i'd receive something else from a court. Any knowledge/advice would be greatly appreciated.
-
Hi All After receiving an MMF 'Notification of legal action' threato'gram a few weeks ago (the one where they mention going to prison), that I have duly ignored. I have now received a 1 line email yesterday, entitled '5 day Notice before action' which states: Unless you call MMF in 5 days,a Court Claim will be issued and then enforced by Bailiffs or Attachment of Earnings on your employer.0800 9961103 Ref:M****** Do you think they are still puffing out their chests or should I now start to worry? Thanks Simon
-
hi all have received letter from wescott threatening ccj proceedings for over a £1K. on the 5th october have checked cra file and this amount not on but i have 1 debt dropping of 2nd october for a lesser amount . i am assuming it must be this. what would be best way forward? also had letter from drysdenfairfax solicitors asking for urgent contact, again i can only assume for sb debts thanks in advance
-
Hi Guys, I have just received court paper work sent by Turnbull Rutherford on behalf of HFO. They are claiming over £6400.00 with £3800.00 being the original debt and over £2600.00 in interest and court costs. They are charging me 12% per annum interetsrt on the debt. I would like advice on how I should reply. I will admit to the original debt and agree to pay in installments but do not agree to the interest payments and the on going interest being claimed. I am currently unemployed but own my own flat. I would like to know how I should reply to the court. Admitting the original debt and asking for a nominal amout to tbe paid every moth. I was wondering if anyone could advise on how I should proceed and whether there are any template letters that I can sedn with the court papers that will help my case. Any help/advice would be much appreciated. Thanks -
Hi I really need help and advice? I have been out of work for a while and this meant that I feel behind my debts, but this week just starting a new job. I received recently claim form from Northampton, and I ever since I have been reading the forum on how to deal with the situation. The debt was initially owned by GE Money then transferred to Santander Cards, when I was paying it I realised the sales contract was faulty, some sneaky charges had been inserted, when returned to the store they amended and re wrote a new sales contract, but still again i never spotted PPI. When I raised it with head office, the were defensive initially but later agreed to refund provided i went to the store to get a new sales contract without it. I never went to do this as store out of town. Now, I sent for CPR 31.14 request which has not been acted upon more than 7 days later. I am receiving the usual 'bulk issuer currently retrieving the documents, but the additional 14 days expiring shortly. I am also confused with their response 'we will grant you a further 14 days for you to submit your defense! -
Hi, Lowells are chasing for an old barclaycard debt. Sent a CCA request back in 2008 and stopped making payments as they only provided a copy of the application form. Been ignoring all the standard letters that Lowells were sending after apparently purchasing the debt from Barclays. Having recently received a legal threat from Hamptons i thought it wise to send a letter highlighting account is in dispute. Would you guys recommend I send this to them http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency or send a new CCA request to Lowells/hamptons? Appreciate any advice given. Thanks.
-
Hi there all, Slightly long background story so appologies in advance! My son who is now 19 got a fixed penalty notice last year when he got drunk and fell asleep on some steps whilst visiting some mates who were at Uni up there. On return home he confessed all and gave me the paperwork which unfortunatly didn't include details of how to pay that bit was missing. I chased it up and tried to have it sent on but it never arrived then no-one could find any details of him on their systems! It's been a total nightmare and I run a pub so I'm plenty busy enough! Everytime (my son) has had a letter from the DCA he's tried to follow it up and sort it out but nothing has been finalised. Today late morning there's a knock at the door, some bloke from this Marstons lot says he wants £420 on the spot or he's coming back with a lock smith and the old bill to force entry to take goods. Well I explain that son is at work, it's my pub in my name so I really wouldn't appreciate him marching through it heavy handed and that if he gives me some time to sort it out and I will. However is not up for negotiating or part payment or making a payment plan he wants it all and he wants it today. I've done my research and want time for son to contact the court and fill out the paperwork needed for a financial assessment so he can be given a realistic time scale to pay however I'm not getting that done in the deadline I've been given as I've no idea who I need to call to find out about this paperwork! I'm concerned that he's going to force entry into my pub and cause damage that I'll have to put right, I don't want a bunch of strangers in my flat especially as I can already tell them that son has bugger all! I have a sneaky suspicion he's blagging me a bit though, originally he said that the lock smith and police were booked to return at 3pm now suddenly he's saying he'll wait until 6pm. Do you guys think he'll actually make good on his threat to enter the property that way? Can he do that to a business that isn't linked to the person who owes the money? How do I get this bloke to sod off and give me time to sort it properly? I'll be open at 6pm so I really don't need him tramping through the pub, although as landlady I do have the right to chuck him out! I think he's intentionally coming back once we're open to ensure he can just walk in, he tried this morning to gain entry by asking if he could "just look around" to save time later but I wouldn't let him. If he really was going to pop the door surely he'd of turned up mob handed earlier on? Anyway, any help and advice would be much appreciated guys! Jo -
Hi posting on behalf of a family member. In 2009 after failing a university course due to ill health, he left owing money to the university for accommodation. As far as we know, the first contact about the debt was a letter posted to home address in lat January 2010 advising f potential court proceedings, and asking for over £2000 to be paid immediately. Sick with depression and unable to cope, he eventually went to CAB who dealt with the debt collectors (Clark Willmott), who advised in the circumstances that they would pass the matter back to the university concerned. A budget form of some sort was completed, advising company concerned that he had no disposable income. Person heard nothing more, and moved out of the rented accommodation the following June. In mid-July 2012 the person concerned returned to his parents' home, and soon after was served a notice of disobedience, advising him that he was in contempt of court, and was to be sent to prison for 7 days if he did not attend a hearing in late August. Apparently he had been served with an order to attend court in June and had not appeared. However, the address listed on the papers he was supposedly served with was one which he had moved out of two years previously, despite the university concerned having his parents' address. He intends to go to the hearing, and does not dispute that he owes the debt (although it is now according to the court over £3000), but was never served with the initial documents, so has no idea what happens next or how he can prepare for the hearing.
-
Hello. I have had a "Buy To Let" mortgage with the Birmingham Midshires for over 10 yrs and recently fell behind by a tiny amount with the mortgage. Not only have they piled on numerous charges, but the have wrote to my tenant threatening to repossess the property. Needless to say my tenant (for over 7 yrs ) is very worried. Are they allowed to do this? Any Advice would be greatful -
I'm writing this on behalf of a friend and her young son who are being told by 'Places for People, a housing provider, that if they do not pay £400 per week until £1500 in arrears is paid off, they will be evicted and that this can be done without any further notice and within 14-days. Last Septemeber she started to fall behind with her rent, she is a single mother working as carer for those with mental health problems. The housing provider took her to copurt and the judge passed a suspended possession order under which she had to pay £10.00 per week off her arrears. She was doing this and all was well until April this year when her 9-year old son was injured in an accident. He was hospitalised for 3-weeks and she stopped working and stayed with him at the hospital for the time he was in there, all the time the £10.00 was not being paid and she was falling behind with the rent again. In all she was off work and didn't pay rent or the arrears for 7-weeks. It came to £1500 in total. Last week Places for People were in touch and told them that they she is in breach of the suspended possession order. That they are applying for an eviction orderand that unless she pays £400 per week from now on they can evict them within 14-days without giving any further notice. The poor woman is desperate, she has nowhere to go, her family cannot help, she has no assetts to sell as such and if she could pay this amount she would have nothing to live on at all, food etc... Can they do this/ Please can someone give some advice on this situation. Any help would be gratfully received as this poor kid does not know where to turn. Thanks. -
Hello all, First time posting so take it easy on me Last year I became self employed, and promptly had a deluge of marketing calls offering me advertising opportunities - I researched them and it quickly became apparent that they were all a con (spaces in magazines by the police/fire service etc which would never actually be printed etc). I had one call from a company representing a local theatre (actually on the same street as I live), offering a small ad in the theatres ticket envelope which is given every time tickets are booked in advance (either in person or by post). The cost for this was 3 payments of £93.60, taken over a six month period. After four months (of having NO customers saying they had seen my ad, although that is irrelevant), I ordered some tickets online for a show from the theatre myself, the tickets arrived - lo and behold no ticket envelope was included. I was a bit miffed that as a small business (sole trader) I was paying this money, and it was obviously being wasted. I cancelled my direct debit (leaving one payment outstanding), and when they contacted me, I explained the situation and that I felt aggrieved etc etc, they called the theatre who explained that the reason no envelope had been distributed was that they had run out. I told the lady in the advertising company (a 3rd party) that I was not going to make the final payment until I had purchased another batch of tickets, and seen if the envelope came with them. I waited a few months, went into the theatre bought some tickets - no envelope again! I called the comany again, told them, and they called the theatre asst. manager (who had given me the tickets), and he said he had completely 'forgotten' on this occasion to give me the envelope. I said there is no way I am giving them the final payment, in fact I would consider claiming the payments I made back from them as they had breached their part of the contract. Now I have received a letter from "Credit recovery dept" dated 5th July, giving 'formal notice of legal proceedings to be issued on 12th July in Blackpool County Court'. This letter gives 'potential legal costs', and says that proceedings will commence on 12th July. Am I right in thinking that this is a sham letter from them? There was no other forms included (as I would like to dispute the claim if it does go to court), and they've only given 7 days from the day the letter was sent. Also, if it does go to court, am I within my rights to request it be held at MY local court (I am in South Wales) as I am a sole trader, not a ltd company? Apologies for the long post, appreciate any help and advice. Thank you.
-
Hi, In 2005 I lived in a student house where there were about 6/7 of us and about 5 or more at least who used to use it is a hotel! A couple of years back I got notification that two 3 contracts were taken out in my name in 2005, and there is a debt totalling about £500 on these accounts. After arguing with 3 about it for ages and not getting anywhere I just let it go because the accounts didnt appear on my file and they refused to acknowledge the debt wasn't mine, even though they couldn't provide a signature or anything. Now in the past few months I have received a few letters from Lowell, Red and Hamptons threatening court if I do not pay the two debts. I have checked my credit report and the two accounts now appear with defaults from 2006 - so both due to drop off soon (and presumably statute barred?). Not sure what to do here... Hamptons letter in May say they are assessing me for a CCJ. Is this a standard trick or should I be worried? I am going on holiday for three weeks next week so if anything happens when I am away will I be screwed? Any advice much appreciated.
-
I have just been visited by a person from Moorcroft Debt Recovery, I told him the name of the debt management company, I thought that by law I didn't need to say anything else to him. He replies, "you know the law living in a street like this" well I saw red went to grab by phone because I wanted a photo of this person so I could conplain, he then hit me with his clipboard (witnessed by neighbour) in doing so knocking my phone out of my hand. I managed to get a photo and took another of the number plate of his car He then said "People will be coming to see you" "You will be visited tonight". I phoned Moorcroft, who made me even more furious as they had head from the Debt Management Company and were just awaiting my Income & Outgoings, they saidf they would stop anymore doorstep callers but didn't know if they would be able to do it for tonight, I explained about the threats but they didn't really appear to care. My question is, who can I write to with a complaint, was thiking of calling the police but not sure if my stress levels will be able to cope. Any advice would be so gratefully received.
-
In the early months of 2010, Golden Eye (International) Ltd, a company connected with the Ben Dover porn brand, decided to chance their hand at obtaining settlements from alleged file-sharers in the UK. Although they successfully obtained the identities of alleged file-sharers through the court using the Tilly Bailey & Irvine (TBI) law firm, things quickly went wrong for GoldenEye. TBI pulled out due to bad publicity and the company was eventually fined late 2011 by the Solicitors Regulatory Authority for their mishandling of the cases. In September 2011, Golden Eye were back again, trying to extract money from Internet users via the previously untested route of the small claims court. But in December 2011 it all fell apart following proper scrutiny in the High Court. And now, in March 2012, unbelievably Golden Eye are back again with a third attempt. http://torrentfreak.com/pay-up-or-else-bittorrent-scheme-resurrected-in-uk-high-court-120309/ Posted this here for info, hopefully it wont take people by suprise like acs law. I download nothing, but always expect a letter lol
Latest
Our Picks
Reclaim the right Ltd
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS