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  • #16
    I am really sorry you felt I was judging - please believe me that was the last thing on my mind.

    I was suggesting you tried, if possible to get the facts from your grandson - it really doesn't matter if he exaggerated his income a little and he would not be the first person to stretch the truth on an application form

    Many many years ago, I took the DWP to task because my stepson swore he had not received his 'giro'. I complained and made a right fuss- how do you think his mum and I felt when they produced a signed receipt for said giro. Maybe that makes me a little cautious these days

    What is needed is a plan to tackle these debts.If that plan needs amending for his benefit then that is what needs to be done.

    People come onto this forum with all sorts of problems, I don't judge and I know others don't judge so once again the sincere apologies if you think I was

    To paraphrase my own Dad- anything is manageable if you know the facts

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    • #17
      There you go again assuming , I know the boy ive brought him up , I suggest your judgement Is coloured because what happened to you , I am going to lay his life bare on this forum and now im not sure its the right thing to do .

      Comment


      • #18
        If I might intercede - Warwick65 has apologised twice in his post. If you really want help for your grandson from the forum, could you not be a little gracious and accept the apology for what it is?

        As for laying his life bare, he is going to remain completely anonymous to us here, so you need not be troubled on that score.

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        • #19
          Again, please read what I said.

          I am sorry if I offended

          I did not ask you to lay his life, or yours bare. I just suggested YOU were aware of all the circumstances so YOU could help him. I have already linked you to help with affordability complaints.

          These companies and the debt purchasers who buy them have few morals and sail so close to the law they frequently stray onto the wrong side.

          Anyway
          Goodnight

          Comment


          • #20
            Hi batsman and welcome to AAD

            I am sorry if Warwick has annoyed you with his comment.
            I am sure Warwick was not trying to make an "instant" judgement,
            I think they were just trying to make you aware of the things some people do when desperate toget that extra money, (don't forget they also had payday loans)
            we are all on this site because of " Mistakes" made at one time or another, we cannot judge because we do not have all the facts, or know the reasons why anyone takes the course of action that they decide on,
            I am just so glad that your grandson has put his trust in you and I hope you will please trust Warwick to help point you in the right direction,

            Nightwatch xx

            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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            • #21
              forward to the next step!!!
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • #22
                Sent Warwick a pm lets move on

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                • #23
                  Originally posted by Warwick65 View Post
                  I think it may be worth making affordability complaints against all the companies. Now remember they will probably refuse so you will need to go to the Fos

                  here is a decent guide to getting them https://debtcamel.co.uk/payday-loan-refunds

                  I agree with Warwick's advice to make affordability complaints on all the PDLs.

                  Specific help can be given once you've made a post for each one so it's clear who the lenders are/were.

                  Have any of them been assigned (i.e. sold) to a debt purchaser? If so the complaint would go to the original lender while at the same time making the debt purchaser aware that there is a complaint (and therefore a dispute) going on.

                  Di
                  Last edited by Diana Mayhew; 25th August 2018, 11:35. Reason: tidied quote :)
                  Legal Disclaimer

                  I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                  Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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                  • #24
                    Originally posted by batsman View Post
                    He also had a car on finance which has been repossessed and just had a bill for 3500 for the remaining finance .

                    Once you've got a strategy in place for the seven PDLs we can start to see what needs to be done about the car finance situation.

                    Who is chasing him for that debt?

                    (Post up the history when you're ready.)

                    Di

                    Legal Disclaimer

                    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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                    • #25
                      we cannot advise fully until we know who the companies are and the relevant information? next step move forward!
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                      • #26
                        Hi There I still intend to post the debt list but my best friend was rushed into hospital last week with heart problems and I have been taking his wife to hospital daily ( 80 mile round trip ) so bare with me a while .
                        Thanks Batsman

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                        • #27
                          HI there im back again my friend had open heart surgery was in intensive care for 3 weeks and is now thankfully on the mend , the debt letters have been arriving and I will start a diary in the UE section in a couple of days --- regards batsman

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                          • #28
                            Hello Batsman glad freind on the mend, yes start the Diary
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                            • #29
                              welcome back x
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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