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Showing results for tags 'demand'.
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Hi All Need some advice regarding correspondence from a debt collecting agency about a £80 fine from the DVLA for being late in renewing my vehicle tax. To bring you up to speed here is what happened. Moved address about a year ago. Phoned up DVLA at the time to speak to an adviser about everything i would need to do regarding my license & vehicle details upon moving. This adviser only ever mentioned about sending my driving license in with new address. Failed to mention VC5 log book. I am completely unfamiliar with this process. Consequently my tax renewal reminder forms were sent to my old address and without a physical tax disc to see the exact date of renewal i ended up being late in paying my vehicle tax. I was sent a letter from the DVLA that i retrieved from old address stating i owed £80 with the option of writing back if you thought the fine was unfair and to explain why exactly that was the case. I wrote back explaining that even tho i specifically phoned & asked a DVLA adviser to tell me absolutely everything i would need to do following an address change, their oversight of not mentioning the VC5 had lead to me being fined . I immediately paid my vehicle tax & all money owed in arrears and promptly set up a direct debit to automatically pay all tax in the future. I also sent off my VC5 log book to register the vehicle at my new address. I sent this letter off to the DVLA and waited for a response . Nothing happened for months. No correspondence at all from the DVLA. I thought it had been written off. out of the blue i have started receiving letters from a DCA called Advantis demanding payment of £80 for their client the DVLA . I have ignored so far all letters. I have neither contacted the DVLA or Advantis. Is there any way i can avoid paying this fine? What will happen if i dont pay? Will i receive visits at my current address &/or old address? Will this escalate to going to court? Also very importantly i will be looking to take out £15,000 loan in a few weeks, will this debt/fine come up on my credit check and will it effect my ability to get the loan? Would it just be best to nip this in the bud now or do i have any rights in being able to avoid this? Any advice will be very much appreciated. x
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Hi, My mother called me last night, she had a phone call from a collection agency that's she's been dealing with, and paying. She makes payments online, and it wouldn't let her, instead saying she had to call. The guy on the line said they couldn't take any money without getting full details of her finances. She refused, saying it's none of their business. They say they can't take any money, as by law they need to get these full financial details. She again refused. The guy said it was to make sure that she is not paying more than she can afford. she retorted with "are you a ~@~ idiot? do you think i'd be giving you it if i couldn't afford it?" Her question to me, was is this a legal requirement? I said i was 90% sure they were at it, and that a letter of complaint about this both to the agency, and the regulator, should be the next step. I've advised her to answer everything they say on the phone with "this is what I'm giving you, take it or leave it" just to make sure of the 10% unsureness, can anyone confirm that this is in fact not a legal requirement? Thanks,
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hi everyone just when i thought i had dealt with the last stat demand and their subsequent failed court action i have just had a 'appointment letter for statutory demand' posted through the letter box. they say they will return and serve it. there are no details of the debt or creditor on the letter at all. i therefore will have to wait and see what it is for???
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I have a terraced house with a lease that is 999 years old in July this year I received a ground rent demand with additional admin charges totalling £198 I panicked and wasn't sure what to do I thought the extra admin charge was ludicrous and wrote back to them but receive no reply since then I have received additional ground rent demands and on 9 December received a letter from a firm of solicitors Landau and cohen demanding an extra £180 (£150 plus Vat) the ground rent demand is for the period 1/4/11-1/4/2015 which is £6 with fees added on top the bill now stands at £384 the letter is threatening possession of the property I am trying to get a copy of the lease from my solicitor or the land registry company Any help or advice is greatly appreciated -
i have received a letter through the door indicating i am about to be issued with a stat demand on behalf of a company called P&A receivables plc. it reads 'i have been directed to serve you with a statutory demand issued under the insolvency act 1986 on behalf of the creditor. unfortunately on the letter it does not give any further details. all they say is they will be returning on a date and a time to either issue the demand or post it through the letter box!!! what should i do??? -
first I will describe the problem, I am paying for gas by prepayment meter , the prepayment screen on the meter is blank and it will not except payment by the card, the meter gas reading still works and there is gas supplied even without payment via the card, it's been like this for at least two years. I recently transferred to another supplier for both gas and electricity. I was sent a final estimated bill for nearly two and a half thousand pounds from my former supplier, assuming that I will have to pay them something my questions are: 1 can they calculate an arbituary estimate which I must pay or should it be based on actual readings from meter, I have noticed on some of my previous statements that they indicate that I have submitted readings to them which I haven't done. 2 can I make them send me documentation of the period that they are charging for and the calculation of the fee for that period. 3 with the rules of them not being able to back charge beyond the last twelve months, how could they accuratly calculate how much was used during that period. 4 The point of being on a prepayment meter is not to get into debt, is part or all of the fault down to the former supplier and should they have to accept all or some of the the losses incurred 5 if I have to pay would they except payment by installments niyaman -
Hi I hope somebody can help as I'm stressed I was given full legal aid for a trial in Aug 2010... In July 2012 a letter arrived at our home addressed to me from a company called rossendales ltd asking for £8000 towards my legal fees they were recovering a dept i had never been notified about.. My wife took advice from CAB to write back stating i did not live at this address we heard nothing back... I was released from prison in august 2013 so near 23 months ago and 35 months since my wife wrote back to rossendales.. Then out of the blue yesterday i get a letter stating i need to pay ... Help please as i don't have 8k i am working on min hours and min wages my wife is unable to work due to ill health we just can't afford anything.. we have sold anything of value just to live.. I called them tonight only to be told that if i don't pay within 7 days then they would goto court and i would have to pay the fees and intrest @ 6%... The letter states " Notice of intention to enforce" ... Thanks -
Hi, I got behind with a debt to a credit union a few years ago and was subsequently taken to court, I was ordered to pay £50 per month which I have been doing regularly ever since via direct debit. I have just come home today to a letter from a solicitors acting on behalf of the credit union demanding payment in full within fourteen days, it is quite a large debt, about £9000 but I have never been contacted by them since asking me to up the payments or anything so I just kept paying. I tried phoning them straight away but they were shut, just looking for some advice before I speak to them tomorrow. many thanks
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http://www.consumeractiongroup.co.uk/forum/showthread.php?452870-Bailiffs-demand-reverse-checks-from-DVLA From our media section ^^^^^ Full story HERE -
I have recently been contact by a company appointed by a trustee in bankruptcy demanding a payment of £26000 that i received in the time leading upto to an individuals bankruptcy, (preferential payment) it is personal and a none company debt. I intend to dispute the debt on the ground there was no desire to prefer. My questions are- 1. If they do not accept my dispute and say they are in the right but i feel i have proven otherwise, what would they beable to do if i continue to dispute? 2. Do they have to get a court to rule that i owe the debt? Is this a ccj or is it a different judgement where i can avoid a ccj. 3. I basically can pay them if required through loaning the money myself but obviously this is not what i would prefer to do. I basically want to take the matter as far as possible to fight without damaging my credit file as i am looking to buy a house shortly with my wife and kids. Any advice would be great thanks for the help in advance and hi to everyone because this is my first post on a forum im a noob! Cheers Paul
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I'm new here so I apologise if I'm posting this in the wrong section. My wife and I purchased a business a few years ago that we closed earlier this year. The seller tricked us into buying the business by inflating the figures and we fell for it. Anyway.. we have lost our entire life savings trying to keep it going and earlier this year when we had no money left we had no choice but to walk away as we could not find a buyer after trying so hard to sell it for over a year. We have a business loan for £45k with Lloyds which we have personally guaranteed (I've been told the PG is watertight). We also have a £4k overdraft. They've sent us a formal demand for the loan and overdraft. I called them last week to set up a payment plan and I was told that they would contact us back. I wanted to know if anyone has been in a situation where Lloyds have accepted a payment plan for this kind of situation or will they force me to sell my house in order to pay them? I'm quite worried as I really don't want to move. My wife and I are currently working but we have only been working for 6 weeks so we will not have the right paperwork to remortgage the house.
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I'll try to keep this simple and to the point. A stat demand was served and a hearing set to have the application to set aside heard. I withdrew the application to set aside on the grounds that a settlement was reached. Fast forward and payments on the settlement agreement have stopped on my end as the deliverable from the petitioners can physically be no longer provided. Namely they are no longer authorised to sell stock as specified in the settlement agreement and the forms for transfer have been returned by the company. I don't see in which world it would be just for me to pay for something that I'm not going to receive. They have issued a bankruptcy petition for the breach of the settlement agreement and I have until Tuesday to file a 6.19. Does this form need to be accompanied by a witness statement and hand delivered to the court or can I fax/email? Is the 6.19 even the right thing to do here? Thanks in advance. -
Hi all, Need some advice please. During my divorce I used a solicitor to assist me as it was quite a messy affair. The Partner of the company who I had dealt with many times before, understood my financial situation and was good with me settling my account once the case was completed and we could work out a payment arrangement. Long story short, he left mid proceedings, the new partner demanded payment + retainer. and refused to carry on with the case. I refused to pay and also wasnt in a position to pay at that time. I got a CCJ for my trouble £2453. I did not contest at this time. (the final amount made up of sols fees and court fees)(date 4/4/12) I am now in a position to pay this but havent as yet. Saturday evening some burly chap knocks on my door and hands me a statutory demand under section 268(1) of the insolvency act. Debt for liquidated sum payable immediately for the sum of £1670.26 For the same debt as above... (the one I got the CCJ for) Letter dated and signed 31/07/15 Served on me 08/08/15 Particulars The debtor instructed the creditor to represent him in a matrimonial matter at the conclusion of the matter the debtor was invoiced on the 18th February 2011. The debtor has failed to discharge the creditors professional fees. The creditor used a tracing agent to locate the debtor which cost £150. The creditor therefore claims the sum of £1121.00 in respect of professional fees together with interest in the sum of £399.26 and the tracing fee of £150.00 This totals 1670.26. So my first thoughts, why doesnt the amount tally £2453 vs £1670.26 they are wildly different. Should I send a prove it letter? Should I call up to say, I already have a CCJ for £2453 and clear it? (didn't think I could get taken to court for the same debt???) or challenge the first CCJ and try to get it set aside and defend this claim? (given the difference in costs) Some guidance would be appreciated, I just want to make sure that if I do pay this that the CCJ is paid in full. After all I am trying to start over and get myself a debt free life.... Thanks in advance Mike -
Please help.. [with ref to a thread of multiple debts here - http://www.consumeractiongroup.co.uk/forum/showthread.php?256212-Credit-Card-defaults-since-2005-now-got-SD!!&p=3412047#post3412047 ..been quiet for a long time and then out of the blue today a hand delivered letter a Statutory Demand.. ..it was taken to my daughters house.. ..apparently they have been sending letters there every week as she has the same initals as me. ...she has just ben binning them thinking they were junk mail but today the guy knocked their door and my son in law didn't know who the guy was but told him my address so he came here and hand delivered me a SD which gives 18 days to reply ....on looking at the date ...the date on letter is 12 Aug so that gives me till TOMORROW....what do I do?
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Good afternoon, I went down town today and when I got home there was an hand written letter on the mat no stamp so the person must have turn up at the house. When I opened the letter it was Statutory demand for a debt owning. The debt was from last August when my girlfriend of 36 years passed away sudden we had live together in the same house for 32 years lucky it was in both our names so after I had the mortgage changed to just my name. the debt is for her funeral costs of £2,851.55 plus other costs interest, debt recovery costs and recoverable commission bring it up to £3,734.97. some background Since OH died last August its been a really hard year for me it was just always just me and the OH I got not money when OH passed away not even from the government even though we were together for all those year we were no man and wife my biggest regret. I was signed off by the doctor with depression since then and I have been trying to deal with all on my own the only people I have spoken to in the last 10 months in the real world is my doctor and last week the lady at the job center the first time they had seen me in 10 months and she said I wasn't ready to go back to work yet. Since OH died the only money I have is the £138 a fortnight I get and I have to pay all the bills with that. I haven't got a clue what to do about this just rounds off a great year. Sorry if I went on a little bit but wondering if someone can give me some advice. thanks Dave
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Hi, First time posting/reading the forums here and I'm in need of some advice. I have an outstanding balance with Barclaycard for around £2,500 (credit card - no ppi). Due to loss of job back in 2013 I went in to a debt management program, since then I've been making payments for the last 18 months or so but at a rate under the minimum amount (agreed with my Debt Management Company). In my first year of debt management I made a very small payment £100 or so to my DMC and they paid my creditors. This year my financial situation had improved somewhat (new job etc) so I increased my payment up to around £200 a month, Barclaycard accepted the new offer from my DMC but that last month I've received two letters (one saying if I don't pay all amounts owed in full they will issue a Formal Demand, and then 3-4 weeks later the Formal Demand). I'm a little unsure what to do next, I simply can't pay the money, I can't pay more a month as the £200 I'm paying now is a struggle (I only earn £1000 p/m and bills, rent, car, etc etc plus the £200 to my DMC leave me very little to live on). I still have a total outstanding amount of debt to the total of around £10,000 (including the Barclaycard money). What do I do next as I have until August to resolve this or Barclaycard will issue my debt over to a collection agency to recover the money, again I don't have any thing for them to recover and since I've had to move back in with my parents I'd rather that I didn't get someone just knocking at my door.... Any advice or help would be appreciated, additionally it might be worth mentioning that I suffer from a condition called "telephonophobia" so find it a real struggle to make any correspondence via this method.... Hope you guys can help
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just made the final payment on my ge loan this month it was 10500 over ten years i now recived a letter saying your loan expired on march 2013 . your outstanding balance is4202.61 and needs to be paid in the next 14 days if the balance is not paid your account will continue to attract interest. they have rang me today demanding i must settle this outstanding balance and could do so on monthly payments i told them i would have to get some professional help on the matter before agreeing to any payments i asked what this outstanding balance came from as i made all the payments over the 10 years even though i did have some problems along the way, told me it was for late payments and interest over the loan period . just wondering where i stand on this cos if i have to pay they will keep adding on the interest, any help on this would be great regards joe -
I had an agreement with Harlands to pay for my sons Kickboxing Classes. It was a 1 year agreement. I think I made 7 payments of £29 by direct debit (1 bounced and got paid late so got a £25 charge which I paid) I then moved address and my son stop going to the kick boxing classes, becauses of financial differculties the next direct debit bounced and the DD got canceled by the bank. I made the mistake of not taking any further action and since I had moved I didn't here anything from them. Now a few months later I receive a letter from CRS with a demand for £371.20 including a charge of £36.00 which says has been added for tracing me. I thought I had a debt of £145.00 which I would be prepared to pay so there must be charges of £226.20 added to this amount, but I have no explanation of how these are made up. Do I deal direct with Harlands and refuse to pay any extra charges or I am I in trouble because I didn't actually cancel the agreement when I moved?
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I have received two letters today for "formal demand for payment made in accordance with the Practice Direction - Pre-Action Conduct of the Civil Procedure Rules". These are for an HSBC overdraft and Credit Card that I know are statute barred. Should I reply now with the SB letter or wait for the claim forms?
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Hi I have been chased for a while for a debt for 2 barclaycard debts. A few days ago a chap knocked on my door and handed me a statutory demand. I have sent off a CCA request by recorded delivery and am awaiting a response. Would it be advisable to apply for it to be set aside if the CCA request is not received by the time the demands 18th day has passed? BW Legal has assured me it wont go any further until the CCA request has been processed, I do not have this in writing but have been told it on the phone. I have tried to read up as much as I can but there is so much info on the site im now confused ! Thanks in advance. Derek -
Hello all During the tax years of 2010 and 2011, I claimed Working Tax Credit as I was self-employed, on a low income and worked the required amount of hours. Last year HMRC decided to review my case, and as I was not being paid an hourly rate, and being paid a lump sum per invoice, I was no longer entitled to WTC, even though I could easily show I was working the required number of hours weekly. I did not have the stomach, nor the time, to keep arguing the toss with them so allowed my WTC to stop. Just yesterday a bill from HMRC for just shy of £5,000 landed on my mat, asking for immediate payback or debt collection! Being self-employed they all my address details and this is the first bit of correspondence I've had asking for payback to something I was genuinely entitled to!! They have not given me the option to contest this on the letter, but I darn well will. I didn't steal this money - I needed it when business was waning and I have worked bloody hard to improve my business in challenging times. Hopefully, one of you lovely people can offer some advice of where to begin...
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My wife was handed an SD for me from Lowell's yesterday by a process server who than asked my age and what I looked like. Assume they needed to swear an oath they have served it personally. It's for an old debt (probably less than 6 years but only just) from Capital One for £1600. The odd thing is I started paying Capital One about 18 months ago - weekly on the internet. I carried on about 6 weeks got a letter saying I hadn't been paying etc - so I stopped. After much delay Lowell's eventually agreed I had been paying and I said I would restart - BUT they refused to accept payments via the internet and would ONLY accept direct debit or continuous debit card authority. Having read a lot about Lowells I really didn't want to give them the details - beside - I only paid them when I knew I had the money. My bank would have charged me £35 in penalty charges if there wasn't the £20 in the account. So where do I go from here ? I am sending out a standard CCA request to Lowells which they should reply to within 14 days. I am expecting them to write to me again - so should I deny receipt of the DC as it wasn't correctly served ? If so - will they petition ? -
Hi i am looking for advice i just read this letter when i arrived back home on friday night from a debt recovery company for a bill for the previous occupier of the property but its got my name on the debt recovery letter. the bill in question was £155 for between the dates of 01/08/2104 - 14/12/2014. I was in the process of moving into this property and set up a account with e on on the 15/12/2014. The letter from the debt company was made up on the 20/04/2105 and it says i have 7 days of receipt of the letter to pay the bill i have sent a email to e on as i can't phone the now due to offices being closed regards eddy -
Hi my OH has just received a letter from FInal Demand Ltd, requesting he pay a debt outstanding, the debt in question has been in dispute with the 'client' my OH had paid the client in cash, failed to get a receipt of payments, it was for storage, when OH fell into financial difficulties he told the company and said he would remove what ever was left in storage and pay the arrears, but this was refused, he has continued to charge for a service that was not required. he has threatened action before and with other people we know, my OH is not good with paperwork, even if he had been he was never given receipts, so its his word against his. The 'client' has with other people failed to keep correct records, fortunately they had there receipts but he still harassed them for money. The letter has not been correctly addressed, and is the usual 'do not ignore this letter failure to acknowledge this letter may lead to legal action' have 7 days to respond. should I just ignore it at this point in time, or sent a CCA to the allerged client, and a letter to say to doorstep debt collectors thanks if anyone replies, I know its a difficult day for everyone at CAG -
Hello I recently inherited house from parents and have received a demand from the council factors demanding payment for building insurance for £200. My parents bought this house ex local authority years ago (terraced block), and apparently it is in the title deeds even though my parents were not leaseholders but freeholders and the block is mostly privately owned. Can they enforce this charge on me even though I signed for the house surely that agreement was with my parents and not me? I checked deeds but to be honest didn't understand much of it never even heard of a factor before either and £200 seems a bit steep. Hope someone with more brains than me can help.
