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  1. Many Thanks for your early reply. Much appreciated. Yes I have been paying £10 per month for the last 4/5 years. Outstanding balance is now £2100. At the time I was not working and caring for my beloved son who has since passed from a brain tumour. I still hardly know how I get through the days... I am now self employed and receiving £37 a week in Working tax credit and last years self assessment profit was just over £7000 or thereabouts. no other benefit as my daughter pays the rent due to her income and living at home. I do recall receiving an annual statement. No other correspondence until today. There is no default from Vanquis. Could they default after all this time with the agreed payment plan in place? It does not take much for me not to cope and I did not expect this from Vanquis after all this time. Grateful thanks in advance
  2. Good Afternoon, Today I have received a notice of Assignment from Vanquis informing me that the outstanding debt was transferred to Arrow Global Limited on 9th July 2019. I have paid monthly contributions to the outstanding balance for the past 4 years plus. Can I confirm that Arrow cannot default me without Vanquis advising? Also that Arrow cannot add any charges or interest? Could they after accepting payments for so many years? Can I just carry on paying Vanquis by S/O or do I have to pay NCO Europe Ltd? Many thanks in Advance
  3. Good Afternoon All, Just wonder if I have this all wrong ?! I appealled a TFL PCN, Appeal was rejected and the rejection letter stated I had 21 days to pay at reduced rate of £65 from the date of the letter of rejection which was 11th June 2018. ...' if you pay the penalty charge within 21 days from the date of this letter you may pay the discounted amount as full and final settlement...' I calculated from the 11th 21 days I could pay by the 2nd July at the very latest? I went to pay the fine today and it has increased to £130 ! Have I miscalculated the dates/wording? surely the 1st falls within 21 days from the 11th July? As it is a Sunday and no one is available at TFL to talk to I thought I should pay it and hope they can refund as if I didnt pay then tomorrow am sure they would say I missed the 21 days...am now more than broke.. Am I right to think I had until 2nd to pay or have I misinterpreted the letter? Many thanks
  4. I am appalled that these people are still able to rip off so many others . What can the law do to protect against these fraudsters? https://www.lancasterguardian.co.uk/news/lancaster-hotel-staff-face-eviction-after-wages-go-unpaid-1-8301661 https://uk.trustpilot.com/review/www.ihotelmanagement.co.uk
  5. Good Evening, Am so confused and stressed. I am registered self employed and was in receipt of WTC until Nov 2015 when I became a full time carer for my son who sadly died in February this year after a very courageous brave battle against a brain tumour. With the support of my clients I have decided to return to the jobs. I have not had any issues claiming WTC before now but upon applying this April I have had a phone call discussing if my self employment is 'commercially viable' and being advised that 30 hours worked would be assumed at the national minimum wage. Is the 30 hour working week for WTC still classed as billed work and business allowed activity? Initially I estimate I will earn approx £75 per week after expenses . I am uncertain whether I should go ahead with the WTC claim based on those earnings? (assuming tax credits will work that out at £2.50 ph and then suggest business is not viable and de-register me ). Can self employment be classed as not commercially viable if no tax credits are claimed? Or is this a penalty for claiming tax credits! Am thinking a claim for universal credit will not be worth the while and I need to be available for my self employment and would not be available for work . and from my vague readings once again there is an assumed self employment income basic of 30 hours x national minimum wage before any award. Could I just claim housing benefit as on a low income ? If I have to live on the breadline so be it, but I cannot stand the thought of losing my home Am trying so hard to be independent . With all the past years trauma and sadness and now feel I am stuffed as far as benefits/self employment. Sorry for rambling but any help/advice would be so much appreciated.
  6. Many thanks everyone. My friend has one other card think 2004 Barclaycard who also have not produced CCA to date. She now feels they will go straight to court . I am at a loss to help much more , it is very hard 3rd hand to help sometimes, but I do appreciate all help however deflated I sound. Perhaps if Barclaycard do go straight to court do not pass go or collect £200 she may be better prepared , or at least get legal representation which is what I did suggest months back . I am not sure of the payment process now as I know she cannot pay £4 let alone £4000, I assume if she cannot agree repayment with First Credit the case heard will automatically be regarded as a CCJ? I have advised filling in income and expenditure asap . Can she still claim PPI and charges, via M & S or First Credit?.. ..She thinks that will cover nearly all the outstanding amount. Kindest moving on
  7. Hi Yes hers was &more card. Think I attached an image of the application form on the thread. There was no CCA First credit sent a copy agreement and at the top it says &more credit card .. On the thread only had copy of application form . Their copy CCA was sent as CPR request (not original) and I agree T&C show no link to CCA moving on
  8. Unfortunately my friends M&S card pre 2007 , in dispute and with PPI , no CCA First credit 'won' in court today. How would she have known if it was a charge card to credit card?
  9. Hi Shamrocker. Your comments worry me as I thought no CCA was a complete defence at law?. not to mention account in dispute over PPI and charges on account. If not the case, myself and 1000s of other 'laymen' who have faith in these forums and follow the suggested paths are going to have sleepless nights at the thought that at any minute a Judge can suggest on a balance of probabilities there was a CCA and demand payment in full. This account was 2004. If a payment plan cannot be negotiated for whatever reason, is today's Judgement effectively a CCJ?Will there be another hearing to determine payment plan. Where does she go back to about PPI and charges.First credit or M &S? Many thanks in advance.
  10. Default Re: 1st credit - claimform 2004 M&S card 'debt' Dear All, My friend was in Wandsworth Court this morning and the Judge found in favour of first credit and gave her 28 days (14 at first) to pay £4851. I only have snippets of info as my friend was so distressed. The Judge would not allow time for CCA to be produced she said the account probably had a CCA but it had been lost over time. The Judge also said to my friend 'are you sure you understand this bank., all CCA s are different'. The Judge refused my friend leave to appeal and said she would make a note on file that if she did she would explain why the circuit Judge would be wasting time in hearing the case? They also said friend did not file evidence? Said PPIi was not mentioned in defence so Judge was not interested in it. Judge said it is her personal decision that this debt should be paid as clearly a signature on the application form and debt was not denied. Her court is not a criminal court so not based on evidence? What is the next step? Many thanks in advance.
  11. Dear All, My friend was in Wandsworth Court this morning and the Judge found in favour of First Credit and gave her 28 days (14 at first) to pay £4851.I only have snippets of info as my friend was so distressed.The Judge would not allow time for CCA to be produced she said the account probably had a CCA but it had been lost over time.The Judge also said to my friend 'are you sure you understand this bank., all CCA s are different'. The Judge refused my friend leave to appeal and said she would make a note on file that if she did she would explain why the circuit Judge would be wasting time in hearing the case? They also said friend did not file evidence? Said PPI was not mentioned in defence so Judge was not interested in it. Judge said it is her personal decision that this debt should be paid as clearly a signature on the application form and debt was not denied. Her court is not a criminal court so not based on evidence? What is the next step? Many thanks in advance.
  12. Yes I understand the directions in the NofA were completed. Many thanks for the link I will pass on. Regards
  13. Hi ,My friend now has a court date for beginning of October, is there anything else I should advise her to do?. Still no CCA produced after asking a second time. Many thanks
  14. Hi Are the above attachments ok now? tested my limited pc skills
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