Thanks Mossy, I have asked them for a tape recording which they said they will provide. i know i am not entitlted to a refund but only found this out today as a 'team leader' took the time to explain everything. But i think i should have some kind of compensation as it was not explained clearly in the first place and i would have done without driving the car until i was in a better position to pay for it.

Sorry, the £91.00 was for the renewal of the policy, i cancelled this direct debit as i was not going to renew the policy at this price. The £98.00 was a deposit for a new policy they told me i could take out for £56 per month instead of the one at £91.00 per month. That is when i told them i could not afford the £98 as i had not budgeted for it and the advisor clearly stated that i would get a refund for £74 from the original £91 even though i told her i had not paid £91 in the first place because i cancelled the DD.

Long story....been with M&S for 3rd year now, unpo renewal of policy i was told it would be £56.00 per month, they sent new policy documents for £91.00 per month. i cancelled DD and called them up. They told me they could not offer the original price as it should never have been offered in the first place. However if i took out a new policy with them they could offer it at £56.83 per month but i would have to pay £98.44 as a deposit. i told them i could not do this but was assured by the advisor i would get a refund for £74.00 in my bank therefore i paid the £98.00. i have called them today as i have not received the refund only to be told there is no refund due because the £91.00 was never paid by me. This conversation was recorded apparently and i stated to the advisor 'you are sure i will get the refund as i have not budgeted for this' she replied 'yes'..... Do i have a leg to stand on even though i never paid the £91.00 to get the refund from???

Hi, Thanks for your reply, they didn't tell me there would be no entitlement when i took out the policy. i have started the complaint already!! Thanks again

I had a car accident on Monday, i beleive it's not my fault however the decision is still to be made. M&S car insurance have sold me a fully comp policy. When i asked M&S if this included a courtsey car they said yes. Now they won't provide one as they say the T&C's of their hire people don't allow people with 9 points to have one and if i had of checked the policy documents it would state this. I have read through the policy documents and it states a car will be provided subject to the rental company's terms and conditions. No T&C's for the rental company are included in the policy documents and I was not told this when purchsing the policy. Does anyone have any advice what i can do. i have spoken to M&S, the underwriters Fortis and the motor legal department. Please help!!!

Thanks for that both of you, i have contacted someone i know who works for the council, explaining my situation and the fact that I want to pay, she said it will be no problem because i have contacted them straight away they will help me to sort out a repayment plan with them!! Thanks again for your help x

can anyone help me??

Hi, I hope someone can give me some guidence/advice please. I have fallen behind with my CT. I owe £459.00 for this financial year. I have recieved a court summons for 3rd March. I lived with my partner who is unemployed cant claim benefits cause i work. the council informed me that I still need to pay full rate (no discount). My partner moved out december 8th 08, i didnt inform CT cause my head was up backside!! He is moving back in in a few weeks. He is adiment he wants to go to court and tell the judge why he cant pay his half of the bill, but surely this will effect me? I want to pay at least my part of the bill. I want to pay his too but i'm just finding all this too much pressure financially. Please help i cant stop crying it is so embarrasing x

I need to write to halifax/blair oliver scott asking them to remove any charges/interest they have applied to an original cc debt of £1000 as it is now £2122. Any ideas of the letter template i should be using????

Just one more thing.....do i need to send 4 postal orders x £1 for each account or will one at £1 be ok? Sorry to appear a little dense but i really have no idea!

ODC thanks very much for that, we rent the property so they cant take that. If i send a letter offering £1 per month would that be ok. ill send it recorded do i have proof should any further acton be taken?

Thanks for that you guys, ill be back on when i have my response from them x

Once i send off for a cca, i dont have scanning facilities to show you guys

Hi, Thanks for that, i dont have a scanner, is there any other way i can get them checked?

Hi, Both me and my partner have an account with both provident and greenwoods. They have now been passed onto wiseman. I have been on reduced payments for many months but have fallen behind. My partner is unemployed and not in reciept of benefits cause i work full time. I am willing to set up an amount of £5 per month per account (4 accounts in total). Is there a specific letter to send offering this....can they refuse the offer?? Whats my next step please?

Do u think asking them to write of the debt would get him anywhere, because if i refuse to pay his debt (im only agreeing cause i dont want people knocking on my door) where would they go from there? take him to court??

account is for a vanquis cc, limit of £250 which was used, rest are charges and interest. It was opened approx 12/14 months ago, last payment made approx 10 months ago. I sent an email last week offering £10 per month on behalf of my partner, heard nothing back.....am at a loss??

Hi, received letter in december 08 stating 'without prejudice' full and final settlement offer. Stating they can offer a discount for a full and final payment. i emailed them last week and have had no response. the debt is my partners who does not work and is in receipt of no benefit because i work. Could i offer them £5 per month in the hope they will accept.....any advice on the letter template???

my god, if you were stood in front of me id kiss ya......thanks very much i really am very grateful to you xx

Thank you so much for that, this is nwhat i have done, not posted yet so can be changed....do you think its ok?? Dear Sir/Madam I have received correspondence from you, reference number as stated above. I explained that I am currently experiencing extreme financial difficulties and hoped that they would be reasonable in relation to my request. I would like to stress that I have previously offered £10 per month to Wonga to repay this debt, however I have received no correspondence from them. I can provide an Income and Expenditure for you should you require this information. After seeking professional advice I have been informed that this is a reasonable amount to repay per month and should the case be taken to court, after looking at my financial situation, the judge will most likely agree. As your letter states ‘We have been instructed to make a personal visit to you in a final attempt to obtain payment’ I must stress, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. I request that any further matters you wish to discuss with me be done so in writing

Hi all, I am putting together a letter to nelson guest to ask they accept my offer of £10 per month. I need to quote in relation to no door step visitors unless prior appointment is made...any ideas how i word this or where i can get the quote from!!!!

Hi, Well i got a same day loan before approx 1 year ago maybe a little more. I could not meet the repayment date. i have received previous letters some time ago but to be honest i burried my head. i have now received a letter from PDP management services ltd, requesting a formal demand for payment of the full balance. They state that they have been instructed to make a personal visit to me in a final attemp to obtain paymeny, should i fail to comply ith this demand quickbridge will consider commencing legal action which may include bankruptcy (debt only £364.67) or a ccj. I declard myself bankrupt in june 06 but they cant do that anyway due to the amount....any ideas from anyone with more knowledge i would really appriciate it xx

Hi all, Thanks for that little lot of information....i will be sending a letter 1st class tomorrow...and yes it has the disclaimer on the back asking not to contact Nelson Guest. Do you guys think i should send a copy to both??

Hi Miltonworries, I don't know if this will help you any, i am a tenancy support worker and deal with rent arrears/homelessness on a daily basis. My adice to you is not to skip your rent especialy as you already have rent arrears, and that goes for council tax too. You would end up propbably being served notice. Also as you are a council tenant, dont you get rent free weeks??? possibly 2 to 4?? What area do u live in, there are loads of agencies there to help, a lot of people reccommend CAB however there is a newish charity called CAP (christians against poverty) they are religious but dont preach and will even help people who are not. If i can help anymore just ask x

Hi, What is the procedure for asking halifax to remove all charges from a credit card account. It has been passed onto blair oliver scott for collection, i have asked them and they said i needed to contact halifax for this. The original credit card had a limit of £1000, the amount now owed is £2'100.....Any advice????