brand new wannabee looking for friendly help

fletch3163

Hi there

So good to see you're both working as a team. Joint finances are the only way to go IMHO. I woudn't dream of leaving all the stress to me, I like to share! My husband does have the ostrich approach however, but I persevere.

Good luck for this evening.

tealady

hello and what a difference you have made to your life. Its amazing! Little Miss now needs a new name, how about Little Miss Supersaver?

beverleyhills

Hello LMC
Delighted that you are making such good progress and that there are no underlying issues that many of us were concerned about.

littlemissclumsy

thanks all, mmm will have to think about the change of name!!

there have been underlying issues in the past, i know what you were all trying to get at and so appreciate the concern. someone touched on the cultural issue and yes, that would explain a lot too.

i am really chuffed cos out of the blue have been offered some extra work over xmas and new year. 27 hours at £8 an hour. OH has added to this ... and ...today i paid off the Capital One card in FULL!!!!!!!!

am sooo relieved.

the money makeover didnt happen last night as one of our boys was ill, so may try again tonight.

Have a Happy New Year everyone and thanks again and again xx

kazmeister

Hi

so glad you are doing well and even more so that you are doing it together. It really makes such a difference so see a positive side to you, and that you are showing that side to others (I saw you had posted on someone elses thread).

Well done and keep up the good work

Kaz x

tealady

Hello again. You mentioned a few pages ago that you hade been sent something from Activ capital from years ago. If you have had no contact from anyone for 6 years it may be statute barred and you may not have to pay it. Someone much clevere than me can find you the template letters (they are on this site somewhere from memory rog2 usually knows where they are and I know he occasionally pops up on this forum and the bankruptcy forum)
Good luck and keep smiling, it suits you.

littlemissclumsy

ahh i never get tired of all the support :j :j

i am really smiling and its lovely!!

phoning bailiffs tomorrow as they are back after the New Year break. Really anxious to get this Council Tax problem sorted.

I would welcome any advice about the statute barred paperwork that Tealady kindly mentioned. If any body can help, please post. I definately do not owe any money to them yet am anxious not to say the wrong thing when I contact them.

Night all!!

tealady

http://www.nationaldebtline.co.uk/en...limitation_act
Try this link for info on statute barred debts. Just 1 word of advice (nicked from other posters). If you send the pound use a postal order (not a cheque) and DONT sign your name to a letter print it. Its because possibly people can scan and forge your signature.

fletch3163

Good morning, and I'm glad to see your positive outlook goes from strength to strength, well done!

Tealady is correct in her 6 year timeline. I would, however, beware of the dates until you're absolutely sure because if it's less than six years and you contact them it cancels out. You do say though, that you don't acually owe them anything.

Statute Barred

A debt is considered Statute Barred if a creditor has not contacted a debtor for a period of 6 years and no action has been taken on the account.
Although the debt is still legally acknowledged as being owed, the creditor is not able to take any legal action against the debtor in order to recover the debt. It is considered unfair if a creditor or debt collector misleads the debtor into believing the debt is still legally recoverable. It is also considered an unfair practice if the creditor or debt collector press for payment after the debtor has stated they will not be paying the money owed. This could amount to harassment contrary to Section 40(1) of the Administration of Justice Act 1970.
[URL="javascript:history.go(-1);"][/URL]

Communicating with the Debtor

A creditor or debt collector who contacts you by phone, letter or visit, must state clearly who they are, where they are from, their role and the purpose of contact.
If a creditor or debt collector attempts to use unhelpful technical language to confuse or mislead the debtor, this is considered as an unfair practice.
If a creditor or debt collection agency disregards requests made in respect of when and where to contact the debtor, this can also be classed as unfair. If you request a creditor not to contact you at work because this could jeopardise your job, and the creditor disregards your request, this could be classed as unfair practice.
If a creditor or debt collector tries to continue to make contact knowing you are vulnerable, suffering from illness caused by the situation or seeking medical advice, this could also be classed as an unfair practice as they are putting undue pressure on the debtor.
Although specifics are not detailed as to what is classed as unfair, all situations are investigated on a case-by-case basis. If a creditor is found to be practicing unfair tactics, this could in turn show them as unfit to hold a Consumer Credit Licence and the OFT has every right to revoke their licence.
Creditors are fully responsible for third parties they appoint, such as in-house and outside debt collecting agencies, so if they are using third parties who practice unfair tactics, they are in turn risking loss of their own licence. They are responsible for fully screening the third parties they use and ensure they are aware of and practice, the guidelines outlined by the OFT before using their services.
[URL="javascript:history.go(-1);"][/URL]

Other Unfair Practices

It is unfair for a creditor to mislead a debtor into believing criminal action or criminal proceedings will take place when attempting to recover a debt. BEING IN DEBT IS NOT A CRIME!
Creditors must not suggest to a debtor to either sell a property or to take out further borrowing in order to pay off the debt to that creditor. For a creditor to request you borrow more money to pay them off is basically requesting you to commit fraud as you are taking on credit knowing you cannot pay the debt back.
Creditors should not use more than one debt-collecting agency at any one time.
If a debtor queries a debt, and money that is owed, it is unfair for the creditor to continue with recovery proceedings during the time the debt is being disputed. If requested, the creditor or debt-collecting agency must provide details of an outstanding debt. It is not all up to the debtor to prove they do not owe a debt, is it up to the creditor to prove they do if the debt is disputed.