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Showing results for tags 'them'.
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Hi everybody, this is incredibly urgent and i'm getting no help from AQUA, I got a Credit Card from them a month ago, and i transferred £800 over not realizing you're not really suppose to, and after some research some peoples accounts have been locked because of this. Now I have no money at all to feed myself or even get to work!! and they're saying my card is being held in a queue to be reviewed at "Head Office" and they're acting as if this isn't a problem for me. It was transfered from a bank account in my name, it's so stupid. Has anyone got a number for there "Head office"?? I'm so desperate for some help please! -
Hi there, I have a Lloyds TSB Credit Card debt. Until 3 months ago, they were happy to recieve payments via my DMP Payplan. Despite that, they havent actually written to me for 2 years. No sign of being passed to a DCA. Now my PayPlan account is closed as I have decided to deal with all my creditors myself. Not sure if I should just wait to hear from them or take some other course of action? The outstanding balance is confusing because of PayPlans shoddiness, and my over-reliance on them. For example, I have another bank a/c debt with Lloyds. Payplan said the outstanding was £179. Since stopping with PayPlan, the debt has been passed to Wescot, who say the debt is £451. (This is on a separate thread). So back to the Credit Card debt - I am unsure of the amount outstanding, and wouldnt CCA request them because - as far as I know - Lloyds themselves are still dealing with it. Thanks again in advance -
I stopped in a loading bay at Hammersmith to load items in my car, their traffic management Order states clearly that "if you are disabled or are injured you can stop for as long as it takes to set down or pick up with your bags/luggage, no time limit. The council lied at the tribunal and refused to give a copy of this traffic management Order. The tribunal Judge referred the decision to the council who still wanted the money from me. The tribunal is aware that they lied but will not do anything about it, I tried judicial review but they said the tribunal had no case to answer so they did not deal with it. I have contacted the ombudsman but they said to write to the council again and have this investigated first before they will deal with it, but the council will not investigate because the tribunal has found in their favor so they still want this injustice to continue. They have now applied for a recovery Order again and I need to apply for a TE7 extension of time in order to have this dealt with by the ombudsman. Any one has any help and or advice? TNX -
Im due to see a concert next week tickets were purchased a year ago, on an old bank card for an account i no longer have. I contacted the arena today and was told they had not sent them yet and would do so this weekend. I told them this was not good enough as i go away next week and will not be back toll the night of the concert, They told me i can collect them with the bank card i used to pay, i made clear i did not have that anymore as the account was closed down and the card was cut up, they told me there is nothing they can do, I explained that i was told i would get the tickets today as it a week till the concert and on there website it states tickets will be received 2 weeks before the date and i made clear i had called last week and was assured they would be here today. Im wondering if there is any way i can get the tickets with out the bank card, i hold other id but they have refused to issue them to me personally and will only post them out via special delivery. Im so upset at this matter -
I had a 3 dongle for years and was paying for it without using it for a while. One day I went on my digital banking and cancelled the Direct Debit. I didn't think anything of it but I've now been passed onto a Debt Collection Agency. I've read all sorts of stuff about court action and poor credit rating now. I now realise that I probably breached the contract. I'd happily pay the final month if that is what they are pursuing. What is the likely outcome if these situations? Do the Debt Collectors add on all sorts of charges?
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hi, I have just received my sar from welcome and even though they said i have no insurances i actually have "shortfall extra" amounting to a rather large amount. please can anybody point me towards a templete specifically for welcome and shortfall extra, I havent been lazy just cannot find one anywhere and believe me ive looked! thankyou in advance if you can help if not thanks for ready my post. Jamie
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http://www.independent.co.uk/life-style/gadgets-and-tech/iphone-6-plus-bending-irate-apple-fans-report-new-smartphones-bending-in-pockets-9752204.html -
How do I find out all the accounts I have ever held. In the last 20 years, Ive had 2 mortgages, at least 3 loans and had about 7 credit cards. I've just signed up to get my credit file, but it doesnt always show who the lender was it just shows type. Is there a way to find out everything Ive ever held?
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A friend received a letter for me from these guys. It was very polite and not demanding in the slightest. It was to do with some bank charges I ran up when my business went bust. I am a bit shocked it has risen from a few hundred quid to about £1500. He called them and explained I didn't live there but would try and get the letter to me (don't see him much). They just replied "don't worry we will just remove it from the system". Looking at their website they seem to be accountants not the usual debt collecting parasites. The letter was full of things like 'we appreciate times are difficult' and 'they can help significantly reduce the debt or possibly write it off". Anyone had dealings with them?
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Since falling foul of the debt collection industry several years ago I have managed to exist without a bank account - difficult but I have managed it. I have a small quantity of premium bonds gathering dust (a few hundred pounds) and rather than let this money stagnate I would like to cash them in. My question is does the warrant issued have to be paid through a bank account or can I go into any bank with my passport and cash in the warrant for readies? I do not want to use any of the rip off facility services that offer to cash such a payment for a fee. -
A chap in Bromsgrove decided to take his family out to lunch, they parked their car in one of the council-run car parks and put a £I in the machine for the privilege. When he returned to his car there was a penalty charge on his windscreen for £25. He was 7 minutes late, when you have a couple of kids to control it can take you a little bit longer getting back to your car. (but that is beside the point). This he felt was very hypocritical when, at the same time this car park was taken over by a group of (so called) travellers who were camping in the car park. He thought it would be interesting to see what sort of parking fees or fines they have paid.’ So he wrote to the council and asked them why should motorists be fined for over staying by a few minutes when travellers can occupy a car park for months without having to pay a penny? This is the reply he received. ‘There appears to be some confusion regarding the basis upon which the travellers were on the car park in question. ‘The position in respect of any normal user of the car park is that, by entering and parking their vehicle, they are entering into contract with the Council to pay a sum of money in return for the Council allowing them to leave their vehicle for a specific amount of time. If the vehicle is left for longer than the paid for time, no payment is made, or there is a failure to comply with parking regulations, there is, in effect, a breach of contract which entitles the Council to make a penalty charge. This is the bit I like!!! ‘In the case of the travellers, they were on the car parks as illegal occupiers and, as such, there was no contract with them as the purpose for which they entered was not permitted. ‘In the circumstances the appropriate course of action was not for “breach of contract” but for “illegal occupation”.’ So here’s a plan. Since councils will ignore all attempts to stop them screwing the motorist, next time you get a ticket refuse, to pay it on the grounds that you’re not actually ‘parking’. Say that you’re ‘illegally occupying’ the bay for half an hour and therefore the usual rules don’t apply. Let the council’s lawyers pick the bones out of that. Better still, swap your car for a Toyota 4x4 and a caravan and park where the hell you like. Full Story ... -
Hi, 1st time for me and need some advice on dealing with Swift advances. Around 2007 got a loan, secured on property, for 55k. Desperate times required desperate measures. Went through broker. Had to avoid forced sale of property because of Bankruptcy. Annuled bankruptcy with cash. Paid loan every month since then, a couple of missed payments, with their permission, and all repaid with agreements. No arrears. Are now in position to move on, have sold house and can pay debt. Just worked out have paid about 42k of loan and 53k still owing! Genuinely felt that would be able to negotiate a lower payment. Just phoned and asked the question hypethetically was told that unless there was a good reason for wishing to pay a shortfall of balance that this was not negotiable. Didn't want to say too much on phone as I began to feel I might incriminate myself so said I would think about my situation and write to them. She, the advisor, kept asking questions about how much the house was on market for and is it sold yet. I was extremely cagey with my reply. Questions: Would it be possible to offer less than balance owing even though there is no shortfall, her terminology not mine Could I sell property and keep loan on, it has another 10 years to run, and then just stop paying, perhaps I could l use money to drag them through court. When house is sold, ie money in bank, do they automatically take it.
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I can't seem to find anything similar to out situation on here so I'm hoping some of you will be able to advise. Myself, Husband and two small children live on an estate which to be honest, isn't the best and we are working hard to try and sell our house. The problem is that most of the other houses are owned by the Council and some (not all) of the tennants aren't that considerate to others or the area. This is the main situation and I want to know if I can charge the Council. Our back gate (our main entrance) leads out to a footpath and then onto the access road. Each week the wheelie bins from around twenty properties are left just outside of our gate which is fine until the people who leave rubbish bags out there upto three days before the collection allow them to be ripped open by cats. This results in my Husband and I have to pick up nappies, food tins/containers, women's sanitary products and much more. If we do not pick it up the bin men just leave it as it's not in a wheelie bin. We have complained and after a few weeks the Coucil sent out a letter to every property in our row to tell them that no one should put rubbish out before the collection time. This has just been ignored. I'm so annoyed as we pay Council Tax and the estate should be kept clean. We also have old tyres that have been discarded on the embankments. The Coucil strimmed the bank a few weeks ago and the tyres are still there. As well as the bins outside of our back gate and litter everywhere we also have piles upon piles of old rotting leaves from the oak trees on the side of the access road. I've been told that it is an offence to sweep the leaves into the access road. The Council do not clear them up. They are slippy and piling up against our fence slowly rotting and keeping the fence damp also. My last problem is that when you drive up to our back gate you of course see the for sale sign, but you also see graffiti all over the garage doors, again owned by the Council. I just feel like there is no light at the end of the tunnel. We keep our house and garden well, but the drive up to the place just shows litter, leaves, graffiti and an unkept, old estate. What else can I do? I've thought about keeping weekly photos and then charging the coucil for cleaning it all up each week. Could I do this? I've worked very hard to drag myself out of a bit of a depression and I'm trying so hard to make this year a much better one by getting out of this hell hole. We have a neighbout next door who's been raided twice and put into prison a couple of times. It just all adds up! I really hope I've explained my situation well as I'm not the best at putting things across. I hope I'll receive some feedback and help. I'm not someone who moans about things, however I need to do whatever is required to sell our house and move somewhere better. -
was over 6 years 50 arrears charges 15 pounds no dd and taken to court by them was up two thousands pounds in arrears also i left them last year as the rate was 10.4 % i am sure these were added to the mortgage help thanks paul.
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I CCA'd my 2 accounts with NDR, both was valid, now ive sent a letter asking them to freeze interest and charges and accept £10 a month (for a 12 month period), they replied with 'it doesnt reach their minimum payment' and they wont freeze charges and interest. is there a follow up letter for once they refuse? I saw one before but cant find it now not sure if it was on this site tho. They also said if I dont get upto date they will forward onto a 3rd party - which i wouldnt mind, they wouldnt be able to add charges, and would probably agree to a lower payment. But I also recieved a letter saying it would go to court, wish they'd make up their mind!
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Hi all! I've got a pretty common name, and have been hounded for years by a debt that seems to follow me around that has nothing to do with me. Now, I've sent the DCAs dispute letters over the years, and they go away, and then they come back - seems the debt just gets sold from one DCA to another time after time (yes... even when in dispute it seems... anyway; not to worry about that for now!) My question on this thread is, I sent them another dispute letter - and they've come back asking for my name, address and date of birth so they can comply with Data Protection 1998 and provide me with further information. I just went back saying "I am not and have never been a customer of yours, have not entered in to any agreements with you nor the alleged creditors you claim to represent - so I shall not be submitting my personal details to you. It is quite clear to me, since you are contacting an incorrect third party, that true adherence to the DPA 1998 is not something your company really values". And proceeded to tell them to remove all personal details they have about me (they seem to have my address, mobile number and name at least) - or else (the usual Trading Standards, OFT, ICO threats etc...).. My question is... what next? I guess we're at a stalemate? Presumably they'll keep hounding me and demanding my personal details... the reason I contacted them this time is they threatened a potential home visit - and I'll know I'd end up punching someone if they turned up Do I have to give them my personal details to enable them to try to 'prove' I am the debtor? As I say, I have a common name - hundreds of 'me' just in the south of the UK if you look at linkedin... what do I do? What can THEY do? Since I know it's been following me around for well over 6 years, it's bound to be a statue barred item; but I don't want to give them my personal details so they can send me the 'information' for me to prove that.. . and I'm not going to chance a statute barred letter at them as that may infer to them I know more about the alleged debt than they've disclosed to me All this for a 'debt' less than £300 *sigh* Any advice or guidance gratefully received
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Hi Folks.... Briefly - I'm in debt to the tune of around 40k on credit cards - after a long illness, including heart bypass depression etc etc - I've received a settlement from my company and have around 20K to spend settling the above 40k. The debts haven't been serviced now for over 2 years - strangely now I have some cash in my account at long last - I am receiving letters from DCAs including but not limited to; capquest; raven; arrow; drydensfairfax... Spectacularly - I have had 3 letters drop through my door today; is that to put me off any last minute shopping? What I would like to do is get them all off my back obviously..... If I offered 50% of what they were asking for to settle - would that be a goer do we think? - if so - what is the best way for me to go about offering it without accepting liability ? Kind regards - hopefully - Andy P.S. There is a high probability that I have been miss sold PPI in this lot which I'm not bothered about so long as they will just go away and not come back.... I will never have another credit card as long as I live; once this is over - I plan on keeping it all in a bag under my bed and living pon porridge.
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http://www.dailymail.co.uk/news/article-2221638/Child-benefit-cuts-heading-chaos-Reforms-complicated-taxman-explain-them.html -
Just wondered trying to put stuff onto a CD. -
They are being referred to the CC. http://www.bbc.co.uk/news/business-19755037
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... and they may be in contempt Oh dear, oh dear oh dearVehicle Cntrl v Ibbotson.pdf
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http://www.dailymail.co.uk/money/bills/article-2195853/New-household-bills-squeeze-EDF-Energy-pulls-cheapest-fixed-price-deal.html
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NoW, I know this isn't the done thing, and no doubt my post will be removed. I originally borrowed £100 - £20; £80 in my pocket. It is now around the £1100 mark. I have done my best with these people to arrange repayment of the original amount but to no avail, and they are just a bunch of gangsters. So unfortunately I have felt the need to act in a less than decent fashion with them. I have ignored them. Their letters. Their emails. The lot. They can do nothing to me. Yes, it's a blot on my credit record bu so what? After what they put people through they deserve it. I suggest more people do likewise. They are all wind and y-fronts. Let them carry on. Mucky Hall are now in possession of the debt, I say let them dare even try to enforce this ludicrous debt; it wouldn't stand up in court. POWER TO THE (POOR) PEOPLE!
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Don't believe me? Hear it for yourself [video=youtube;LibdhY-ARlo]
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helloo! today i recieved a letter from a bailiff company stating if i didnt pay £80- the fine would go up and i would be taken to court and issued with a CCJ - EEK! the story is: on 14th november 2011 i wrote to DVLA to declare SORN, even though the tax did not run out until 30th November 2011. i did not fill in a SORN form as 1.) didnt have one and 2.) didnt know thats all they accepted. it was just a bog standard letter informming them the car was on private land (300 acres) in a barn and that it wouldnt be used for 5 months thereabouts. On that date i also cancelled the car insurance with the post office. (the car in question is my polo grooms car and he goes back to Chile mid november to mid march. ) I recieved a ''last chance'' renewal notice through the post end of December 2011 and telephoned them. they said the SORN had probably crossed in the post and all would be ok however I should probably write to them again, which i did, informing them that i had already declared SORN. on 1st march 2012 i recieved a letter stating that they had recieved my letter however i had not ''checked up 4 weeks later for an acknowledgement letter" when i informed them in November therefore I was still liable for the £80 fine, £40 if paid within one week. I was so angry i threw the letter in the bin and completely forgot about it .... .... until today, 21st June 2012 i recieved at bailiffs letter threatening that if i didn t pay £80 i would be taken to court....ooops! i telephoned the number (0844) and spoke to AMIR who bluntly told me it was my problem as i didnt read the SORN form correctly where it says ''if i hadnt recieved an acknowledgement letter in 4 weeks to call them''. i told him that i didnt even use aSORN form so how could i have known, he replied one would have come with the reminder letter so you should have read it. having now looked at the tax renewal form, where this SORN NOTICE is written, is not clear enough. it is in a small box, and it doesnt say ""YOU MUST CALL US FOR ACKNOWLEDGEMENT OF SORN AS FAILURE TO DO SO WILL INCCUR A £80 FINE OR A CCJ" .... if that had been the case i would have chased them like crazy!! i told Amir that i want to go to court and that he should instruct DVLA to stop with the bailiffs and debt letters - hassle and bullying i said, as i feel i am being treated guilty when i am inoccent. i am 36 yrs old and never had a late payment fine/CCJ/points on licence and i have been driving since i was 17. any suggestions?? - shall i pay the £80 or go to court??
