I have offered a creditor(£5000)to repay this amount by instalments He refuses & is issuing a Bankcrupcy Pet.
815720
they are just trying to intimidate you. tell them you are going to declare yourself bankrupt. you will find their attitude usually changes. if you go to court they do usually take a lenient view if you can show you have the funds to make the payments.
946153
I claimed through Ebay for an item I bought (was sent a broken item and buyer refused to accept it back long story that got quite nasty!) Use The Dispute Console for all correspondence so that they can see what is being said. it  took 8 months but I got back all but £50 of my money.\n\nGood Luck!
393358
You still owe them the funds, irrespective of it being their mistake. They cannot penilize you for it i.e: charge intertest that you would not have paid, or make additional money on the deal. However as they have inconvienced you, they should allow you to settle the debt in a manner that you have been doing without additional fees.\n\nYou may be entitled to compensation for damages if for example you had already budgetted for another item. In that case a lawyer would be the person to handle that.
264885
Who gave the advice? I would seek legal advice, a solicitor can sort it for you or get some free advice from a bureau or advice surgery to see if it is possible for you do it yourself with the cost of a solicitor
881093
I'm guessing that you mean a savings account book, what they write in it means nothing unfortunately, their computer system will only have credited you £10.\n\nThat said i'd wait a couple of months and go in and ask them to update the book with any interest thats due, play dumb and say you're not sure if you're due any but you're just curious. If the balance is £10,000 plus a bit of interest, withdraw it all immediately and blow it.
912766
Their defense will be that you knowingly used their services.  By making a payment you agreed to the contractual agreements.  I don't think you will win this one with such a defense.  Sorry.
102691
It is probably a scare tactic to get you to pay.  If you do not owe the debt, sent a certified letter to them indicating that you do not owe the debt.  If you do owe the money and do not have a dispute on the validity of the debt, then make payment arrangements with them.
729576
No, but its not very sensible as you are continuing to mount up interest charges.  Contact them and see if you can come to some arrangement which will make it easier to pay.  \nDONT IGNORE IT ANY LONGER!!!!
675819
collection agency will say almost anything to harrass you! unless it's a lawyer telling you this, don't buy it. and why hasn't he paid it anyway?
806081
Seek advice from the person (solicitor?) who assisted you in the compensation claim.\n\nAlthough you may be able to obtain judgment against them for non-payment of the compensation actually getting the money out of them might be a different story.\n\nI don't think that the previous comment about the Chief Executive going to prison is correct - this is not a criminal but a civil case.
705829
This unfortunately is just life. Do not loan anyone money or housing or food or anything else that you can't afford to lose, because you will be disappointed this way. Next time you get into a deal like this, have the other party sign an agreement (at least you will have it in writing). That won't get you paid, but it will make it easier to pursue should you choose. You will find that it is best to avoid these situations entirely. \nNow, that said, you could send him a bill (do this on your computer - make it neat, and then print him a copy). Mail it to him and be specific what the charges are for (dates of the stay, etc). Give him a phone number to call to discuss it. Mail by registered mail requiring an acceptance signature. If he does not respond by phone, send another letter the next month (same rules). He may just get tired of it and pay up. If he doesn't pay up, you will have a little documentation to rest charges on. I don't know how much we are talking about here, but it may be better to just chalk it up to experience, and be smarter next time. I have had to do that a few times as lessons learned. Good luck with your problem - hey, at least you don't still have the moocher living with you.
792284
At the most they can screw you. They can definatley take a strict action coz its not the bank money its the money from general public which goes to bank as saving. Make a clear statment to them that you are willing to pay at later date.
349172
You are finding out what I've been trying to warn people about for weeks now.  \n\nNever, ever, pay off an bill that is in collections unless you get IN WRITING that they will remove the negative entry from your record before you pay them a DIME!\n\nNow that they have your money, you no longer have any leverage over them.  Good luck getting them to fix your report.  Remember this....credit reporting agencies only report what the creditor tells them.  They can NOT remove it or change it.  \n\nWhat you will need to do is this.\n\n1) Send a letter to the CRA protesting the report, and tell them exactly what is wrong with it.  If it's paid off try to supply any evidence of it.\n\nThe CRA will contact the creditor to "verify" that the report is legitimate.  Remember they are not investigating anything, they are just verifing with the creditor that the information they have is correct.  \n\nIf the creditor does not change the record, and you have documented evidence that it is wrong, then move on to part 2.\n\n2) Send a "demand for validation" letter to the creditor.  They must supply you with copies of all contracts, bills, receipts, and everything used to calculate what they claim you owe. If they do not produce it, send a copy of this letter with another protest to the CRA to remove the listing.  If they don't do it, you have grounds to sue both the CRA and the creditor.\n\nIf the creditor can not supply proper evidence to prove the listing is accurate, and still will not remove it, you can sue the creditor for violations of the FCRA, and defamation of character.  \n\nRead the links below, contact me if you need more help.
974171
my and my bf got a loan with barclays of£5000 and we told them we wud be movin home and that we would have a period of time were we wouldnt have jobs and they said that if we bought the loan protection we wud be covered for that and we could have a year where we didnt have to pay so we bought it then we moved home and told them we cudnt pay and the loan protection wud cover us and they refused and now we r payin over £200 a month as well as all the other general bills and we r actually payin out more that we get in a month and they worked that out but then said there was nothing they cud do so we r F***ED and they cudnt care less so i wudnt even bother tryin and now we even have to pay for loan protection which we wudnt have even bought if they hadnt of told us we wud be covered it takes the p*** and im only 17 so i dunno how we r gonna pay this for the next 5 years!!!
732562
you are right on track.this one is a slam dunk.though you are doing every thing right you need to contact your attorney generals office because she is adopting unfair and illegal business practices.this PERSON IS HAVING SERIOUS FINANCIAL PROBLEMS AND IS TRYING TO TAKE IT OUT ON YOU,You sound like you have enough fight in you.go get her.If I were you I would start by sending her a certified letter indicating intent to file charges against her for double dipping,and to file a $5000 dollar small claim against her for attempt to defraud.if she goes ahead with her claim to send your "bill"to a collections agency she is only giving you additional ammunition for your claims.If this thing appears on your credit you can get it removed by showing that this is an attempt to at distortion.It will also give you the additional info.you need for a successful claim.
784120
yes you can ..issue them with a writ  ( a summons ) and then argue it out at court\nps: by the way your solicitors is CRAP..they should have ask the other side for your expenses ..their fees..since they decided not to go ahead ..if i was you i get advice about taking your solicitors to court .for not doing there job right ..at worst i speak to them and say what about your costs ie\ntheir undeserved fees you paid them ...they are money grabbing Bastards ...good luck
692124
Call the lender (or, possibly the collections agency if your situation has gotten to that point).  Many companies are willing to work with you because defaulting on a loan is bad for their business, too.  However, you have to show them that you are a responsible borrower:\n\n1.  Explain to them what happened (tell them just what you told us here)\n2.  Tell them that you will take responsibility from now on (the loans will always be in your name, so even if your mother still plans to pay them off, you should still keep a watchful eye on your account balance to make sure that she is never late) \n3. Ask what repayment options you have at this stage.  Some lenders will put you into a forbearance in order to alleviate your payment problems.  Other lenders will recommend that you consolidate your loans in order to lower your monthly payment.  Others will, as you suggest, devise alternative payment options called an "income contingent" or an "income sensitive" payment plans.  Ask them if they can do this and, if so, whether they can make your payments close to $50.  Generally, once you make 6 consecutive payments on time, you will be out of default, which will help your take-home wages and your credit report in the long run.\n\nRemember, too, that collections agencies deal with a lot of lazy people -- show them that you are different.  If the person you speak to is having an "off" day or doesn't seem willing to help you, try again.  Consider asking your former Financial Aid Office to contact them on your behalf (I have done this for students) -- sometimes they are more pleasant when dealing with someone "in the business."\n\nFinally, one of your rights as a Stafford or Perkins Loan borrower is that you be allowed to speak to an ombudsman when things get rough.  You can find one and learn about what they can do at http://www.ombudsman.ed.gov/  (Basically, an ombudsman is an individual who resolves disputes through an independent viewpoint; they do a lot of impartial fact-finding to make sure that you have been treated fairly.)