Hi guys Small claims 3k+ from Robway/Cohen/Hoist re:Satan cc http://www.credittoday.co.uk/article/17468/online-news/santander-returns-to-debt-sale-rbs-to-stay-out Nothing really to contest but bandits admit to no paperwork whatsoever and don’t like CPR and Sec 78 request (my enemy’s enemy is my friend and they can’t usually claim costs in small claims). I have interest only mortgage with Satan in arrears and careering towards termination (both me and the mortgage). I defended all, as per CAG line …, ticked mediation box and enjoyed mediation. I found it very fair. I used the National Debtline I&E to offer a modest monthly sum and was fortunate enough to be able, via the good offices of a family member, to offer a full & final; during mediation the bandits accepted one of these alternatives (some understanding of net present value is helpful to enter the bandit’s Weltanschauung) http://www.mathsisfun.com/money/net-present-value.html I am unusually coy because a mediated settlement is explicitly confidential: “Terms:- 1. The parties have agreed the following: The Defendant agrees to pay to the Claimant the sum of £xxx.00 (the settlement sum) in full and final settlement of the claim to be paid by 28th x 2015. 2. The court will stay the case (i.e. the court will take no further steps in relation to the case) and the claim, defence and any counterclaim will be struck out without further order of the court (meaning that the case will no longer be treated as active) if the court has not heard from either party by 28th x 2015. 3. The parties will keep the information contained in this agreement confidential and not use it for any other purposes. Other than a final written agreement, any information – whether written in a document prepared for mediation or written or spoken during the mediation – can only be used for the purpose of mediation and cannot be referred to in any court action unless the parties agree. The parties agree that they will not call the mediator to give evidence in any court action. “ The plus side is that this is a Court settlement: “5. This agreement is in full and final settlement of both parties' claims, including any claim for costs, court fees, expenses or interest.” And the bandit cannot sell it on. In truth, I consider this a defeat rather than a victory but the lesson I should press is that: · - Defend all as per CAG line to back foot the bandit · - Amass evidence of ability to pay · - Use mediation x vic

Hi all, newbie to the site and require help. Already searched many of the threads and a lot of information to digest as well as it all being abit confusing. I have 2 secured loans with blemain finance they have county court orders dating back from 2010 for arrears of aprox £2000 on each account (£4000) was ordered to make payments of £200 on each account to pay off the loan as well as the arrears. I have maintained these payments month by month but i still occurred monthly arrear charges of £46 if my payments were a few days late and also interest on the outstanding arrears. I have notified them that i may be few days late with payments, to which they say 'nothing can be done as the courts have ordered for payment on the specific date'. I made a complaint and spoke to a manager in the collection department who told me that the charges were fair and regulated by OFT and were not excessive and reflect the cost for being in arrears. He took my complaint and advised methat the response i will receive will be no different from what he has already told me (very arrogant of him). I have done a sar ( thanks to the advice i have read on this website as unaware of it previously) and will be anticipating for the information. I believe £46 is excessive and unfair for monthly arrears and also read elsewhere that another borrower is being charged £35. Could blemain justify charging me £11 more? Also has anyone successfully claimed these charges back from blemain? Can i also claim back the interest charged on these arrears? These arrear charges and the interest on the arrears are never ending and putting myself into further debt. I dont think i would ever be able to pay off the loans with this arrangement.

Phoenix Commercial Collections, are so well established with councils it beggers belief. Regardless of the mountains of complaints (I'm one of them) their marriage remains firm. This can not help but raise suspicions. Northampton Borough county council (NBCC) sent me a reply which appeared like a basic reply, meaning hard luck. In the beginning. My son had failed to pay 3 parking tickets NBCC issued, total amount £170, for this sin they asked for £255, now having added 50% penalty. Still the plank never paid it. 24th May 2012 last day to settle debt at this figure. 15th June 2012 NBCC hand the debt over to their favourite bailiff, Phoenix 18th June 2012 Phoenix demand £316.32 4th July 2012 a baillif..........calls at my home and speaks to another one of my sons, who told her truthly that his brother was not in. 9th July 2012 this women again calls and got the same reply as before. On this occasion she threatened to keep returning at different times and days until the debt is paid , and in a aggressive tone, the door was shut in her face. 10 minutes later she put a notice through the front door stating she would be back on the 14th at 6am with a van to remove chattles and goods from my house to the value now of £667.37 Unfortunately, my wife who suffers from bad nerves paid the debt over the phone the next day. For my part I was shaping up for the confrontation. I'm not defending my son. What I am mad about is the GBH approach from Phoenix, and the blind eye NBCC are turning in the matter. With this amount of money going to the bailiff, 2 visits and threats £391.37. There must be an attempt by those of us who have been severley damaged in the pocket by council and bailiff bandits, to form an organisation to fight back.