Tech Clerks - General Debt Matters Thread

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

Now had a letter from Bank of Ireland (ex Bristol & West ) Mortgage, increase in Interest rates from May quote:-

From 1st May 2013 the new differential will be 2.49% meaning the new total interest rate including Bank of England's Base Rate (currently 0.50%) will be 2.00%.

From 1st October 2013 the new differential rate will be 3.99% meaning a new total interest rate including the bank of England Base Rate (currently 0.50%)will be 4.49%.

Why are they doing this:- Currently, banks are required to hold more capital reserves, as part of measures to protect the banking system from the type of scenarios during the banking crisis (they brought on) in addition, the cost of funding mortgages has increased significantly for Bank of Ireland and the market as a whole in recent years.

option 1. review you mortgage options we have a range of customer mortgages that you can consider, you may wish to remortgage to another lender, If you have sub accounts that have Early Repayment Charges we waive these.

Oh! Yes the Torys are in government!

Am guessing mine will be an extra £50.00 a month? estimated.

The greedy Bastards.

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

South West Water:-

Every couple of weeks we keep getting threats from them stating payment plan 3 weeks behind, I pay on a Monday they account from Tuesday so always 3 weeks in arrears, Ring them make notes to whom contacted who /DATE/TIME, same outcome okay you pay Mondays from Pension, pointed out that this is harassment and noted,also I pointed out any arrears stemmed from their end sending new payment book few years ago with the wrong amount on it, Oh I see a time of dropped payments, okay we will now set up a new payment plan that will stop all the letters/telephone calls, you pay xx.xx. (Note:- reduced amount? well see what happens now, by the way arrears are £ 54.00 so from the new payment date next Monday the arrears will be gone in 3 weeks, do they not change their minds when you quote letters and charge books from a few years ago -= LESSON HERE KEEP ALL CORRESPONDENCE FOR A LONG TIME AS YOU WILL NEED THE INFO AT TIMES.

2nd Call To-day:-

Well well just got off the phone as they have just rung my answer machine, oh! sorry but your number is in the system (we are struggling for money as you owe so much to us (note:- less than £50.00 for which we know you pay every week),but it will take till midnight to correct the calls, so I said just a minute hold the line - then so he could hear stated out loud "There you are Inspector, this is harassment from south west water please make further notes if you would). then they said you should not hear anymore as a plan is in place, one been there all the time. once again I pointed out that errors on their part caused the problems. goodbye.

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

BMW Financial Services (GB) Limited v Hart (2012) interesting appeal on defaults etc.

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

latest news on the Credit Card Debt Limit Bill 2012-13

This Bill has been withdrawn and will not progress any further.

The Bill had its first reading on 27 November 2012 under the Ten Minute Rule. The second reading was expected on 1 March 2013 but was withdrawn.

If you require any further information about the Bill then please contact the sponsoring Member Yvonne Fovargue.


Summary of the Credit Card Debt Limit Bill 2012-13

A Bill to require credit card companies to discharge a debt when three times the equivalent of the principal sum owed has been paid in interest; and for connected purposes
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Guide to the passage of a Bill
Find out what happens at each stage of a Public Bill’s journey through Parliament with the Passage of a Bill guide.

When does a Bill become law?
Explanation of what happens after Bills have been passed, and when laws may change.

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

latest news on the Credit Card Debt Limit Bill 2012-13

This Bill has been withdrawn and will not progress any further.

The Bill had its first reading on 27 November 2012 under the Ten Minute Rule. The second reading was expected on 1 March 2013 but was withdrawn.

If you require any further information about the Bill then please contact the sponsoring Member Yvonne Fovargue.


Summary of the Credit Card Debt Limit Bill 2012-13

A Bill to require credit card companies to discharge a debt when three times the equivalent of the principal sum owed has been paid in interest; and for connected purposes
Stay up to date

Keep up to date with the progress of Bills going through Parliament. Sign up for email alerts or use our RSS feeds.

RSS feed for this Bill
Receive email updates for this Bill
Related information

Guide to the passage of a Bill
Find out what happens at each stage of a Public Bill’s journey through Parliament with the Passage of a Bill guide.

When does a Bill become law?
Explanation of what happens after Bills have been passed, and when laws may change.

Wonder who paid who off? shows how corrupt the monetary system is in this country.!

[Pixie]

Re: Tech Clerks - General Debt Matters Thread

Agree!

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

dkl

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

Thursday 28 February 2013 by Jonathan Rayner

More than 700 lawyers have signed an open letter calling on the government to drop its ‘dangerous and unnecessary’ plans to extend closed material procedures (CMPs).

The letter, published in today’s Daily Mail, says that the proposals for secret courts set out in the Justice and Security Bill are ‘contrary to the rule of law’ and ‘erode core principles of our civil justice system, including the right to a fair trial… and open justice’.

The letter adds that the procedures will ‘fatally undermine’ the courtroom as a forum in which allegations of wrongdoing can be fairly tested and the government ‘transparently held to account’.

Closed proceedings were designed in response to claims by the security services that other countries will be unwilling to share intelligence with the UK if intelligence might later be disclosed in open court. It is proposed that CMPs will hear cases entirely in private, with no defendants or claimants present.

The latter will not know or be able to challenge the case against them and will be represented by a security-cleared special advocate, not their own lawyer.

CMPs are currently used in a small number of immigration and deportation hearings, but the government wants to extend them across the civil courts in cases believed to involve national security.

Law Society president Lucy Scott-Moncrieff told the Gazette last month that CMPs undermine an essential principle of justice, which is that all parties are entitled to see and challenge all of the evidence relied upon before the court, and to combat that evidence by calling evidence of their own.

The Society insists that the government has failed to make a national security case for extending CMPs to ordinary civil litigation.

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[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

IFAW Germany - PSA 2009 - YouTube

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

IFAW Animal Rescue - Philippines - YouTube

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

Capita snaps up DCA in £42m deal 1 March 2013



Debt recovery firm iQor UK has been acquired by business process management firm Capita from its US parent company in a deal worth £42m.

iQor UK provides outsourced debt collection services to both the public and private sectors in the UK.

Capita confirmed it has paid £40.5m in cash and that it has taken on a £1.5m pension deficit.

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

nd Martha": "http://www.bbc.co.uk/iplayer/episode/b01r1cnt/Mary_and_Martha/ Mary Isabelle & Martha May Hewison

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

Now had a letter from Bank of Ireland (ex Bristol & West ) Mortgage, increase in Interest rates from May quote:-

From 1st May 2013 the new differential will be 2.49% meaning the new total interest rate including Bank of England's Base Rate (currently 0.50%) will be 2.00%.

From 1st October 2013 the new differential rate will be 3.99% meaning a new total interest rate including the bank of England Base Rate (currently 0.50%)will be 4.49%.

Why are they doing this:- Currently, banks are required to hold more capital reserves, as part of measures to protect the banking system from the type of scenarios during the banking crisis (they brought on) in addition, the cost of funding mortgages has increased significantly for Bank of Ireland and the market as a whole in recent years.

option 1. review you mortgage options we have a range of customer mortgages that you can consider, you may wish to remortgage to another lender, If you have sub accounts that have Early Repayment Charges we waive these.

Oh! Yes the Torys are in government!

Am guessing mine will be an extra £50.00 a month? estimated.

The greedy Bastards.

Bank of Ireland confirms £1.9bn loss
Embattled financial group Bank of Ireland recorded a loss before tax of £1.87 billion (€2.16 billion) for the 12 months ending 31 December 2012.


There we have it:- they want Bristol & West customers to bail them out with their Mortgages.

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

Bank of Ireland confirms £1.9bn loss
Embattled financial group Bank of Ireland recorded a loss before tax of £1.87 billion (€2.16 billion) for the 12 months ending 31 December 2012.


There we have it:- they want Bristol & West customers to bail them out with their Mortgages.

Just sent an E-Mail to MP quoting above and copy original e-mail I sent with B OF I letter of course no response regarding the 1st e-mail.

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

Eggs For Soldiers St Pancras Flashmob in support of Help For Heroes - YouTube