Hi, I hope that someone can help with this, or at least advise me as to what I can or can't do. In July 2010, I took out an insurance policy through a broker, for my car. There was some mess up over the payment dates, and after July and August payment being made, september was missed. They wrote to me and said unless payment for the missed DD is made within 7 days, the insurance will be cancelled. We rang them up, paid the money, re-set the DD, and all was fine and dandy! Then, Friday 29th April, I got hit from behind in my car. Rang Insurance accident people (ALPS) on Saturday 30th April, reported accident, they took all my details and said all is ok and going through. This last week I have spoken to the claims handler, and personally injury people about my claim and all is going well. This morning, I had a letter from my Broker, to say my insurance has been cancelled, and that it was cancelled back in September 2010. They say that no payments were made, and no payment received since. I do have bank statements to prove all DD payments have been made. Does anyone know where I stand with this? Will my claims still be going through, or will they cancel them? I am absolutely savage, and can't wait for monday morning to ring up the broker and give them a good talking to! Just to add - I taxed my car, online, in January 2011. I have also driven through a number of ANPR checks, without any problems. When I checked MID after my accident (I checked mine and the other parties car) all was ok, when I checked MID this morning, it says not insured. Thank you

Hi, This is a bit of a long story, and gets a bit confussing (even for me!) but I will try and explain as well as I can. We use to receive full HB and CT benefit, as I was receiving JSA. I then came of JSA, and due to the change in circumstances, had to re apply for HB and CT Benefit. This all went OK, and they said we would have to pay a portion of the rent and council tax, and they were going to back date it to the time the JSA ended. I must admit I did leave it just over a month before I completed new forms. This also left us with some rent arrears. The woman form the council came out, looked at all the forms, and said 'they haven't done this right, they haven't included the fact that you have a disabled child, and they haven't applied the disabled child premium'. We then got back onto the council, and things went back and forth for a while, to try and get them to change things. The rent was fine, as the woman at the council knew it would come through. We received a court summons for the outstanding CT, and phoned the council. They said that due to us disputing it, there was no need to attend court, and they would sort it all their end. The council finally admitted they were wrong, and issued us with backdated HB and CT, to include the fact that we had a disabled child. This then pushed us back up to full HB and CT. We thought all was OK, until we received a balliffs letter for the COURT FEES! Council have said, that even if it was their mistake, they are not responsible for the court fees, and we must pay them. They don't seem to want to listen to us, and refer us to the balliffs. Is this right? Are we responsible for the court fees? Many Thanks

Hi, Sorry I have been a little late in updating this information, but I now have a copy of the fees that the HCEO are charging. They break down like this: Amount of judgement - 693.24 Fixed cost on judgement - 157.00 Execution costs - 101.75 Total - £951.99 Percentage fee 1 - £26.30 Mileage fee 2 - £42.74 Seizure fee 3 - £2.00 Enquiry fee 4 - £4.00 Enforcements under fee 5(2) - £220.00 No sale Inventory Fee 6(2)(b) - £47.60 Disbursements under fee 12 - £19.50 VAT - £63.37 Total £425.51 Does anyone know if these are correct? The balliff never entered the property, and I didn't sign any paperwork, he just pushed it through the door whilst I was in bed. Thanks

Just thought....... Should I leave a copy of the doorstep letter by the door in case he callls again, and im out, so the wife can just had him the copy and close the door?

Thanks for the replies so far, they have been helpful. I will try and stay in as much as I can for the next few weeks, just in case he turns up out the blue again. I will also doorstep letter moorcroft. We dont live anywhere near Moorcroft offices, and I was rather surprised when they started calling. The agent cant be doing to bad, as he took 3 months of over the summer to go sailing the world! I dont know what the BT debt is, as I cant find the paperwork. The wife said that she had a dispute, as there was a fault on the line and the enginneer ahd to come twice as he didnt spot a fault on the inside of the property. They charged something like £80 call out and £250 for an hours work. I need to dig out the paperwork and see exactly what went on here. Thanks again people.

Hi all, Due to the great help that I have received from CAG, the wife has asked me to post a problem of hers, as I have tried to work it out myself, but dont know what route to go down. The wife got into trouble with a BT bill, whilst I was working abroad. I didnt know about it until i came back, and by that time, the debt was with a dca (moorcroft). There is about £400 left to pay, on the debt. My wife had many letters from moorcroft, which were ignored, and then an agent appeared at the door. She then arranged with the agent to pay a standard amount, and he would call back once a month, on a pre arranged day, to collect the payment. My wife was happy with this, as she just wants the debt to be cleared. The agent who is due to call, does not calll when he is suppose to, will turn up a week or two later without warning and expect payment (as agreed). the wife says he gets annoyed with her, when im not around, and tried to get angry with me when I had £1.28 in my pocket, but told him that was it, take it or leave it. The last time he turned up a week late, and said the wife should have put the money up. My plan of action is as follows, and if anyone could anything or comment, I would be most gratful: CCA Moorcroft. Doorstep letter Moorcroft. This hasnt gone to court yet, so there is no CCJ in place. The agent was due last night, and didnt show up. Can I also report them to the OFT for this? Thanks

Thanks PT, I rang the HCEO and said I will pay xx amount now and a little bit more in a few weeks. He was fine with that, no problem at all. Thinking back over todays events, when I spoke to the solicitor, he said he would do nothing about the case, it is with the Balliffs and thats that. But he then went on to say that if I returned the items, and they were accepted, this would come of the debt! I did tell him he just totally contradicted himself, and that when he says 'there is no way I can now deal with this claim' he is lying. He did ask how I knew that, and I said 'legal advise'! Still, will just have to wait and see what happens now, with all the bits and pieces I now have to do. At least its got the balliffs held of for a few weeks.

I have just spoken to the solicitors, and they are refusing to budge at all, and say to phone the Balliffs. So I guess that the only thing left that I can do.

I got my defence in to late, and they wouldn't accept it. The following day (I think), the judgement arrived. I haven't got the paperwork here with me now. As this arrived mid December, I decided to sort it in the new year, as business is obviously going mad at Christmas. Just when we start to calm down, and I know thats an important issue to sort out, I get the Balliffs letter.

Its against me as a person, although the account was in a business name, and the businesses legal status is Sole Trader, so either way it all comes back to me.

I've just spoken the person I need to at the creditors, and they have said there is nothing they can do, and that I must make contact with their solicitors. I rang their solicitors and the person handling the case was away from their desk (as always!) so I left a voice mail. Just have to wait and see if the solicitor contacts me now.

Many thanks for that Nintendo, thats a great help. I have just contacted the creditor, by phone, and need to wait for the woman who deals with it to call me back. They've got an hour before I call again. With regards to reporting the balliff, whats the best way to go about this? If I go to the local Police Station, they give you a number to ring, to report the crime. Can I do it that way? Also the only address I have for the Balliff is the business address for Andrew Wilson & Co, would this address be OK? Thanks again, you have been a great help.

Hi, I woke up this morning to find a letter delivered by hand, pushed through the letter box. On the outside of the letter is written: 'if no contact made we will return 7/1/10 7am with the intention of removing goods, please arrange for a key holder to be present. Failure to so may incur further charges. 07xxxxxxxxx. Locksmiths will be in attendence' The letter is from a firm called Andrew Wilson & co and relates to a CCJ I had issued against me. Since the CCJ I have heard nothing, until this now. The fees are listed in the letter as: Judgment debt £693.24 Judgment Cost £157 Costts of execution 101.75 Officers fees 416.70 Total 1368.69 I don't understand all the paperwork, as it includes a sheet for listing property, and nothing is listed on there. The paperwork says that this is a high court writ, and the firm are executing that writ. Can anyone give me any advice on this? Do I contact the court, the balliff or the people I owe the money to? The debt is for goods, that I still have. I have offered to return them, but heard nothing back from the company. Thanks

Hi, I hope this in the right place, but if anyone can help, I would be most gratful. My wife use to live in a property, that was old Army housing. As such, the water wasn't on the mains, and came from a private company 'Brey Water'. The house was privately owned, let to a housing association, and then sub-let (by the housing association) to my wife. At this time, she was receiving full housing benefits. She would receive letters addressed to the house owner (their name on the letter) and she passed these on to the Housing Association. Luckily when we moved out, I grabed some old mail from the side, which included one of these letters. We then opened it (as you do) and found it to be from Brey Services, requesting payment for an unpaid water bill. We had then been in our new house approx 6 months, when Brey wrote to my wife in her Maiden name, demanding payment. This was the first time they had contacted my wife by name. This went on and on. My wife was then issued a CCJ, but this was at a time when she was heavierly pregnant, and couldn't get to court. She is now due in court tomorrow, to produce details of earnings etc. We have had the Balliffs round to our door, asking for payment. She offered £5 a week, as she is still on benefits. The Balliff said that wouldn't be good enough, but would speak to Brey. We never heard back, and then about 6 mounths later, we had one at the door, with the earnings paperwork, who also said £5 a week wasn't good enough. Can anyone give us any advice? Should this have been paid by the housing association, or are we eligable for the payment? Should they have accepted the £5 a week offer? Any help would be great. Thanks

Thanks for that old Andrew2007. Is there anything i can do with the catalog prior to contacting trading standards? The battery is form a Kodak easy share camera. While it is unique to that style of camera, the one included with a new camera is disposable, and clearly marked 'do not recharge'. Luckily we had a dig around, and my wife hadn't thrown it away. So when Great Universal (eventually) return the camera, we can enclose it, and send it back.

Hi, I need some advice in regards to refunds and replacements. My wife brought a digital camera from great universal, and is paying for it through an account, over a period of a year. When we had the camera approx 3 months, it stopped working properly. It wouldn't switch on (well it would, but just for 0.1 seconds), and obviously couldn't be used. We contacted Great Universal, who said they would arrange the collection, test the item, and if it was at fault, they would arrange a replacement. They said this would take about 3 weeks in total. We needed a camera urgently (kid's 3rd birthday), and they said they would get one out to us (of a lower standard,and cheaper), but it would be charged on my wifes account, and that the cost of the faulty camera would be returned once they had it back. Everything was going fine, until they called last week, and said they wouldn't return the payment, as the camera was incomplete. On the box for the camera, it says it contains a battery, and that wasn't with the camera in the box. We knew this as it was a disposable battery (and it states this on the box). Great Universal now say they will return the faulty camera to us (at our expense), we will then have to replace the battery (about £10), and we will then have to return the camera to them (also at our expense). They will then re-test, and if there is a fault, return our money. Does anyone know where we stand on returning disposable items, when you have had them a reasonable amount of time (about 3 months)? Also, due to all this messing about, and not getting the refund on my wifes account, it has gone over limit, and is being charged. Is there anything i can do about this? Thanks for any help you can offer.

The problem you will find is that eBay UK employ very few people. They claim they just facilitate the transaction of goods, so most people in the UK are just admin and marketing. eBay are very secretive about their contact details, and they can slip through the net on having to display address and phone numbers, as they don't sell anything online. Good luck with getting in contact with them. My personal experience (I have a major complaint against them, and want to take court action, but they won't give the address for legal paperwork) is that they just ignore everything, and hope you go away. Sorry i can't be of more help

Hi, Sorry to bump such an old thread, but we are really struggling here. The firm that carried out the repossion are being gits and ignoring us at every turn. We have the case number from the court, and now need to get the money my father in law is owed. We have no joy with the repossion company. How can we take them through the courts to get the money? I think it would be to much money for a small claim, and have no idea how to proceed further. Thanks

What do i then do with the case number?

Thanks for your replys so far. They have been helpful. He dosen't have any paperwork. This may sound odd, but the local postman was scared of his two dogs (two 12 yr old jack russels!!) and wouldn't deliver to the house. He only found out the house was repossed when he went home one night and the locks had been changed and a notice in the front room window. The Loan company was Lloyds Bowmaker i believe. The loan didn't start with them, but i believe they were the ones who took possession. We know how much the house went for, as i tried to purchase it for the outstanding amount but the loan company refused. The house went on the open market and was sold for approx 180K. With just 18K debt, thats a big sum of money sat somewhere that no-one seems to want to give him. Another question i would like to add is, as this has taken so long, is he entitled to any interest from the money that has been on hold? Once again thanks for your help so far

Hi, This is my first post here, and it's a bit of a long story but i hope someone can point us in the right direction. If you need more info just let me know. My father in law owned a house. The mortgage was paid outright, but he had a secured loan on the property. This defaulted due to personal circumstances. The house was then repossed and he has since lived with us. My understanding is that the excess money from the sale, he is entitled to. The house was a 3 bed in oxfordshire village, and the debt was 18K. So we know he's owed a bit. The loan company had been in contact with him, and said he needed ID to get his money. They have then changed there minds over what we need to the money, and won't talk to anyone anymore. They also haven't revealed if the money is at the court, or they are holding it. My father in law dosen't have a bank account, just a post office counter account (for pension credits), and they say that is a problem as well. Can anyone tell me what we should do next to get him his money and get him of my sofa? Thanks