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  • #46
    Re: Newbie requiring advice

    I'm going to ring the bank now ! It's halifax so hopefully will be fine . If I withdraw cash out which can only be £300.00 , what about my priority direct debits which need to come out ?

    Comment

    • #47
      Re: Newbie requiring advice

      Originally posted by patchouli View Post
      It might be alien to you the advice you are given but I can honestly say.. take it! These people know what they are doing and as far as I am concerned it's best to start the whole process off now rather than wait because it wont be long before some Judge somewhere ties up all the loop holes and getting out of debts wont be as easy... so act now!!
      No judge, however friendly s/he might be to a claimant or creditor, could revive a Statute Barred debt.

      Nor should a judge allow enforcement of an agreement when the creditor has defaulted on a request made under ss. 77 - 79 of the Consumer Credit Act 1974.

      Comment

      • #48
        Re: Newbie requiring advice

        Originally posted by Missklj2014 View Post
        what about my priority direct debits which need to come out ?
        What are those?

        Comment

        • #49
          Re: Newbie requiring advice

          Originally posted by SaltnVinegar View Post
          When I've been in this situation before most banks will have something in their t&c's that states the minimum notice period to cancel a DD for the DD guarantee to apply. The Fobbing Off Service has then backed the banks in this situation (not that is anything new).
          I've fixed your post for you.

          Comment

          • #50
            Re: Newbie requiring advice

            Originally posted by Missklj2014 View Post
            I'm really sorry I feel like an idiot ( I need a step by step idiots guide !!) so if you mean just calculate living expenses and priority bills, without any debt repayments then yes I will have enough money to last the month
            Great cancel all the DD's for your debts then. We'll help you deal with those.
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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            • #51
              Re: Newbie requiring advice

              Originally posted by CleverClogs View Post
              Or if the DD was for £xx but thge bank paid £yyy instead.
              exactly. You got it. With a revolving DD (or variable) the amount can be queried at any time and you CAN then utilise the DD Guarantee.
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

              Comment

              • #52
                Re: Newbie requiring advice

                Like my gas electric council tax etc

                Comment

                • #53
                  Re: Newbie requiring advice

                  Originally posted by Missklj2014 View Post
                  I'm going to ring the bank now ! It's halifax so hopefully will be fine . If I withdraw cash out which can only be £300.00 , what about my priority direct debits which need to come out ?

                  Ok hold fire. First, do you have online banking?

                  Second, did Wonga tell you the amount they were taking and they JUST take that amount?
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment

                  • #54
                    Re: Newbie requiring advice

                    Originally posted by Missklj2014 View Post
                    Like my gas electric council tax etc
                    You can pay online / cash at PO etc for now. It's your call.
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                    Comment

                    • #55
                      Re: Newbie requiring advice

                      Originally posted by CleverClogs View Post
                      I've fixed your post for you.
                      I know you're their biggest fan
                      "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                      The consumer is that sleeping giant.!!


                      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.

                      Comment

                      • #56
                        Re: Newbie requiring advice

                        Originally posted by Never-In-Doubt View Post
                        Hiya

                        are you a homeowner? Can you lost your debts like the format in our UE Diaries - http://forums.all-about-debt.co.uk/f...bility-Diaries
                        Ok so I've just rang my bank and they have cancelled the CPAs for the 2 payday loans for tomorrow . If they do take the money halifax will refund.

                        Comment

                        • #57
                          Re: Newbie requiring advice

                          Originally posted by Missklj2014 View Post
                          Like my gas electric council tax etc
                          Originally posted by Never-In-Doubt View Post
                          You can pay cash at PO
                          Cash at PO sounds good.......
                          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.

                          Comment

                          • #58
                            Re: Newbie requiring advice

                            Yes I have online banking. I paid wonga through their website on the amounts which was due. As it was a few days early I paid them or usually it's gets taken out my account on the due date .They hold my debit card details . Oops I have just called the bank and they have cancelled the CPAs for poundstopocket and Quickquid for tomorrow. Shouldn't I have done that yet ??

                            Comment

                            • #59
                              Re: Newbie requiring advice

                              Originally posted by Missklj2014 View Post
                              Like my gas electric council tax etc
                              What is the "etc"?

                              Gas and electricity are not "priority debts" - they can't send you to gaol or discontinue supply merely for having missed one or two payments.

                              The electric telephone or mobile telephone is not a priority debt either, though they can restrict or discontinue service for non-payment.

                              Only the Council Tax is a priority debt. Are you claiming all the discounts and help to which you are entitled?

                              Comment

                              • #60
                                Re: Newbie requiring advice

                                Originally posted by Missklj2014 View Post
                                Ok so I've just rang my bank and they have cancelled the CPAs for the 2 payday loans for tomorrow . If they do take the money halifax will refund.
                                Good - well done.

                                Originally posted by Missklj2014 View Post
                                Oops I have just called the bank and they have cancelled the CPAs for poundstopocket and Quickquid for tomorrow. Shouldn't I have done that yet ??
                                Yes! But you also said that P2P and Quickquid were taking payments via direct debit not continuous payment authority - which is it?
                                "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                                The consumer is that sleeping giant.!!


                                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.

                                Comment

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