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Dont answer your door

I've just filled-in my details and the amount of drawdown was a JOKE.

I always owe them money or they sanction me , so I never cover all the Bill's because of debts

I was signing on one time, I was called in just before Christmas, 2006, they were investigating me for fraud because of some anomaly in my bank account regarding a £17000 deposit which had never happened, long story short, It ruined my Christmas and new year as then it turned out to be a £750 deposit from the sale of a motorbike. And the bstards never said sorry, just 'you're free to go'. Thanks a bunch.

what if i send them this: Dear Overdale Solicitors Claim Number: …………………. THIS IS A REQUEST UNDER THE CIVIL PROCEDURES RULES. PLEASE DO NOT IGNORE. Thank you or your letter dated …………. in which you have indicated that there is an imminent court action should I not respond to your letter. In your letter you have given notice that ‘…………………….’’ is preparing to initiate legal proceedings over the non-payment of the outstanding balance for debt I don’t know and I have not acknowledged. Given that this matter is now subject to a potential legal proceeding, you are obliged to provide, under the Civil Procedures Rules, information to ensure that all parties are on an equal footing, and also to ensure the claim is dealt with expediently and fairly, avoiding an unnecessary burden to the court's resources. Under the Pre-action Practice Directions - Protocols 4.6 of the Civil Procedures Rules, I request that you supply copies of the following documents: 1) A true copy of the executed agreement and any terms and conditions that applied to the claim at the time of default and at the time the debt occurred. Please note that a "true copy" as defined by the Consumer Credit Act will not be acceptable in this case, and a copy of the actual executed agreement, including signature, is required. 2) All records you hold on me relevant to this case, including but not limited to 1. A transcript of all transactions, including charges, fees, interest, payments and both the amounts of credit and any repayments made to the account. 2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations 3. Where there has been any event in the claim history over this period that has required manual intervention by any person, disclosure of any indication or notes that have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to the claim held by me with ‘……………………..’’ is required. 4. True copies of any notice of assignment and/or default notice or enforcement notice that you sent to me, with a copy of any proof of postage that you hold. 5. Documents relating to any insurance added to the claim, including the insurance contract and terms and conditions, date it was added and deleted (if applicable). 6. Details of any collection charge added to the claim; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers. 7. Specific details of the fees/charges levied by any other agency in respect of this claim and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied. 8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998. 9. A list of third-party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed. 10. Copies of statements for the entire duration of the claim. This information is required within the next fourteen days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to deny me the opportunity to review my position in relation to your claim of alleged breach of agreement and any possible counterclaim. Please note that, as you have initiated this action, failure to respond to this letter will place this claim in clear dispute and as such you may not: o demand any payment on the claim, nor am I obliged to offer any payment to you. o add any further interest or charges to the debt. o pass/sell the debt or outstanding balance to any third party. o registers any information in respect of the debt with any of the credit reference agencies. o issues a default notice related to the claim. Should you ignore any of the above I reserve the right for legal action for redress, and will show the court this letter. I will also report your actions to any authority that I see fit and will request that your suitability to hold a consumer credit license be reviewed. I look forward to hearing from you in due course. Yours Sincerely, …………………………………………

I found that if you are a carer and claim for UC they deduct what you get for caring from UC even though you qualify and do both separately Helping carers my arse.

just dont open the door to anyone dont even talk to them

But if a government purchased your mortgage and trying to REPOSES is illegal and I've seen video actually getting there mortgages paid immediately as it's illegal for the government to make profit from its people and in the 2 SEPERATE video I've watched both of them the police and. Bailiff walked away after the FACEBOOK groups had all the laws and read out clearly it's illegal under what ever the section of that law is but now it's being hidden online search no government can have any involvement in your mortgage by law it's illegal and I know 💯 of people with a mortgage where government is involved is already paid by law as the government bought it from the bank illegally to make illegal profit and yes that is an act in law but the Google searches hiding what act it is but people in law i.e SOLICITOR will no exactly

hi my question is if someone is in iva if person not happy with IP or iva company can we change IP or company?

Walk away. A joke

This guy is a fraud,, he works for these compaies,, YOU DONT HAVE TO PAY A PENNY

I have financed car and leaving Canada what will happen

I received a nip through the post for running a red light but there was no section to name the driver and no form to return so where do I go from here

Please title debt, not just as it is here stated

It’s funny how you have to pay into a system only for them to point you towards a charity like the food bank when you need them

Can I ask you a question on opos

Pish

Everyone knows its just a way of making money. If it was about safety you'd get an instant ban 1st time you got caught. The technology already exists to stop cars speeding electronically no matter how far the pedal is pressed. But that would lose a lot of income from speeding fines. Secretly the government want us to speed because its easy to prosecute drivers and make money out of it. Speed doesn't kill in itself. Accidents happen when other factors come into play, for instance a driver going along a motorway at 120mph would not be dangerous in any way until someone pulls into their lane without looking. Who's at fault there? I'd argue it was the one changing lanes without checking it was safe to do so but in this country the guy doing 120 would get most or all of the blame. If someone causes a crash then yes they should be charged if their driving was the cause, but to be heavily fined for speeding when nobody got affected by it I think is wrong. Not that it matters what me or anyone else says, motoring is fast becoming less of a pleasure sad but true

In march 2023 i got stopped at a train station for not having a valid travel ticket ( i did have one, just genuiely forgot to tap my card) and this got dragged up to today due to me missing court dates. Now i gotta pay £800 just for a TFL fine🧍🏿‍♂️

Regardless of the generational differences, it seems *everyone* has far, far, less put away than they need. I thought I had worked it all out and had just about enough to keep things ticking if I retired six years 'early' ... then the cost of living crisis happened and suddenly I am in a hole that didn't exist before. I may well have to try to get back into the employment game again but who knows if that is possible ...

This answer doesn’t answer how you can get out. Basically if you’ve not paid of half you’re screwed

Got a fine for a system I didn't know existed. I thought pedestrian zones where areas that had bollards . I was following google maps so wasn't aware of any signage.

Newham is the worst borough u can get a ticket. I got a pcn on a industrial estate from them i appealed it and they rejected it still on going

i had a letter i am disabled with a TBI from 2014 I have no money and live with carer who is a barrister, they didnt show me how much I owe or dates they just asked me to phone them but the onus is on them to phne me not vice versa im disabled but not stupid im 60 hears old I was a nurse before my accident.

Hi.. I was sent 2 NIP's for driving at 24mph for 4 seconds and 2 seconds on a 20mph road.... Can this be appealed in court for dismissal under the 10%+2mph guidelines ??

Received a PCN through post well after the 14day time period. Appealed ticket...Rejected. Lodged another appeal with POPLA and nearly 3 months on, it is still going through the system with no outcome. Is there a time limit to hear from POPLA is my question if anyone has answers or ideas?

Fake video, when calling this company they do not offer any help to LTD companies and no advise just transfer your call to random company

If i accidentally dropped something and they approach me for details i simply wouldn't talk to them end of

Have a mortgage, and basically I'm told to live on 1k a month, with 2 kids, it's pure bollox. That's before any bills. My bills are 1500 with food, before I've ever fuelled or spent anything.

Will cost a fortune to prosecute all the people that won't be paying. Nothing different under Labour, private companies allowed to skim off all rhe profits. Ofwat? So they van in fact check to see if companies are investing your money? Seriously? They haven't done so before? 🤔

you literally said absolutely nothing that even the brain dead already understand.

the dwp are doing none of this you idiot, they have been given powers to compel banks to report suspicious spending and savings beyond the allowed limits

if you are being truthful you have zero to worry about, it's that simple. The only people watching this kind of crap are those who are deliberately screwing the system

im on a DAS in scotland with HMRC debt they constantly write to me and add interest everytime!! unreal!! ta stevie

hi i am in a das in scotland have been for a year(out of 8) have to tell you hmrc are still adding interest!! can you believe them? write to me all the bloody time! great advice though thanks stevie

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

Im dreading migrating to uc from severely disabled esa..support group. X

As a food delivery driver, I often receive tickets from a private company. While I have won some appeals, others have been rejected. Should I simply ignore the rejections? Thank you for your guidance.

ALL bailiffs are NOT LEGIT. Attachment to earnings Attachment to benefits. DINOSAURS. PERIOD!!!!

Thank you so much for the advice. Watching all the way from Vanuatu

I should tell them everything in my house I don't own so they can't take anything.

My friend wrote 'selfish parker' in permanent ink on a car parked fully on a pavement. They never parked there again😂

The solution is fairly simple. These days most people are aware of PCN signs on private car parks for shopping centres and retail parks. You certainly need to be aware of any cameras on 20 feel poles. I keep a small role of black insulating tape in my glove box. If I believe I have gone over a time limit, I cover over 2 of the digits of my registration plates with black insulating tape. The camera cannot read your full registration plate and no fine is issued. This is perfectly legal because you are on private property and it is your car and your tape and you can do what you want with it. When you get on to a public highway you need to remove the tape. No one is going to stop you and no one is going to check the camera for when you went in the carpark because it is a fully automated system and they do not have the staff to check camera footage. Even if they did, a picture of your registration plate with tape on is not sufficient proof. It's a civil matter not criminal. So you don't even have to be wise after the event. Just put some insulation tape in your glove box just in case

The thumbnail suggested some interesting analysis...

Get it all out because liebor is after it.

i got a letter from them today trying to get money from a 8+ year old debt

They buy your data not the debt… they will never have a legally executed deed of assignment

I was paying on a Mastercard at 24% APR, on $20,000. I went through Credit Counseling, and was able to get my interest rate down to 4.6% on the MasterCard through the DMP. I am going to be debt free in 3 years or so. Did I do OK?

Of all the governments of the last 20 years we now have one which is likely to make max use of these cash generating tools !

Could you provide an additional video on cloned number plate PCN’s with information before 28 days and after 28 days, please.