Recent Posts

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91
Dealing with Debt / Re: Advice on debt
« Last post by Lisa Thomas on Sep 25, 2017, 09:40:22 AM »
I disagree with you ERF - can you justify your comments please?
92
Dealing with Debt / Re: Advice with utility debts
« Last post by Scrooge on Sep 23, 2017, 12:50:18 AM »
I'm not surprised :o . To keep it simple, it doesn't matter if you've got 36 people living in your house, the person responsible for paying the gas and electric bills is the account holder......not his wife, granny, Uncle or mother-in-law. If the account holder is YOU only, YOU are responsible for paying the bills. If you don't pay or make an arrangement to repay, you risk disconnection and the debt being passed on to a debt recovery agent.


If anyone else is named on the account like your wife, she will be jointly responsible for the bills.
93
Dealing with Debt / Re: Advice on debt
« Last post by ERF on Sep 22, 2017, 09:23:21 PM »
Hi, IVA or bankruptcy are not the way forward. You are not in debt and that is not how the credit system works, in fact in equity you are the beneficiary of these accounts where you are owed funds and are in fact the creditor not the debtor.
94
Dealing with Debt / Re: Advice with utility debts
« Last post by davidrichards27 on Sep 22, 2017, 09:22:43 PM »
Thanks for the last post, but that has totally confused me.


As it stands, I am getting some debt counselling from CAB with a view to applying to EDF and British Gas Energy Trusts.


Let's see what happens?
95
Dealing with Debt / Re: Help
« Last post by ERF on Sep 22, 2017, 09:20:33 PM »
Hi, there are ways to recover the car finance and deal with PRA. They have no notice of assignment.
96
Dealing with Debt / Re: Help mobiles
« Last post by ERF on Sep 22, 2017, 09:18:59 PM »

Hi, if anyone is committing fraud it's the mobile phone companies. They can be prosecuted for harassing you and demanding payment which is in fact illegal. Just search the companies such as 02 for example in companies house, look at their articles of association for free and you'll see they are not allowed to demand payment.
97
Dealing with Debt / Re: Advice with utility debts
« Last post by ERF on Sep 22, 2017, 09:14:07 PM »

Hi David,
It the matter relates to utility bills you are in no debt and you have no method of paying a bill in a fiat currency system. For evidence of this I suggest you look on companies house for free in respect the articles of association of the respective billing agents which quite clearly tells you that utility billing agents cannot demand payment, it's illegal. Since 1882 nobody in Britain has paid a bill. If that sounds odd please advise what you've paid with.

98
Dealing with Debt / Re: Advice with utility debts
« Last post by Scrooge on Sep 21, 2017, 09:28:45 PM »
That was an unfortunate typo the IVF lol. Well spotted ! ;D
99
Dealing with Debt / Re: Advice with utility debts
« Last post by Lisa Thomas on Sep 21, 2017, 09:27:52 AM »
I presume you meant IVA instead of IVF?  I don't think IVF would improve someone's debts - probably increase them!


Gave me a chuckle.
100
Dealing with Debt / Re: Default HELP!
« Last post by Scrooge on Sep 20, 2017, 05:22:08 PM »
If this default regarding you is incorrect, you will need to go through Experian's procedure for having it removed as mentioned above by Lisa.


I had to do this twice a few years ago. It took a while to sort it out, (about 2 months I recall) and was very annoying, but if you start the process it should be removed. However, I do remember them telling me that in order for it to be removed, your creditor who has given them the information wrongly has to instruct them to remove it. IE Experian won't remove it no matter what you show or tell them. They need the information from your creditor confirming the default was an error and should be removed. I remember writing to Santander several times plus phone calls over 2 months to get them to contact Experian. Eventually they did it but I had to keep on their backs!
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