Thanks for the reply. Was just concerned that they would come back with a locksmith without notice. I've actually just paid the amount due in respect of the walking possession I signed (paid online to Bristow & Sutor) Am I right in thinking the walking possession cannot be then applied to the subsequent 2 accounts that were passed to them AFTER I'd signed the walking possession for the first account? I just need time.. I will actually be able to clear the amounts on the two remaining accounts at the beginning of June if needs be. Would rather make a payment arrangement but can do it at a push.

Nothing has been seized, they knocked & I didn't answer, they put a notice through my door. Fees seem to be approx £400 from what I can work out. Just really need to know if they can force entry etc

I've got into a pickle with council tax on various properties. I should point out that I've had terrible personal issues and have bipolar hence why this situation has occurred. Will give a brief outline now. I owed council tax on a property I moved out of oast year. I had a visit from a Bristol & Sutor agent a few months back, foolishly let them into my home, agreed a payment plan but also signed paperwork which included a walking possession document and inventory of my items. I thought I was being sensible at the time as had every intention of keeping up with the plan. Have now got behind on the plan in the last month due to being ill. Today I had a visit from a bailiff in a van. I didn't answer the door but could see out of the window. He left a note afterwards declaring his visit and saying that I must pay the full balance of £1700 today otherwise they would seize goods and force entry if needed. My question is this - since the first visit, two other accounts have been passed to B&S which I have not signed anything for or agreed a payment plan on. The note left by the bailiff today included all 3 amounts. If I pay the original account off today which is approximately £500 and for which I signed the walking possession on, does he have any right to visit my property again and force entry? My common sense tells me that the walking possession was signed on the account for £500, not the entire £1700 therefore if I pay the original off, he can't seize my goods on the remainder as I haven't signed anything allowing him to? If this is the case, I will sort the remainder out in the next month. Can anyone help? I did call B&S who weren't helpful and skirted round the issue then refused to comment further and told me I needed to speak to the bailiff direct. Have tried to call him but no answer so have texted him instead but not heard back. Please help!

Hi Need some help with a logbook loan I've foolishly taken out with easylogbookloans.tv (Christian Gachet) Took it out last December and it's for 12 months so due to finish next month. I've had trouble keeping up with payments of £362 per month. Currently I'm 1 payment and a bit in arrears, this will increase to 2 and a bit payments at the end of the week when the next payment is due. I can't make up my arrears, I can probably pay one payment by the end of the week but that will mean I will get behind on other things such as my mortgage. My first question is, can I use a debt management plan in respect of this debt? I have tried to negotiate with the company directly but they have been really unhelpful. I have quoted bits of the code of practice which they are signed up to but they still seem to be making things as difficult as possible. That's why I wanted someone else to take over if possible so everything is more official. Secondly, they have been saying more or less every month that they have issued a default notice. I really don't think they have an believe this to be a scare tactic. I have asked for a copy of the default but they just haven't sent it. Their latest response when chasing this was that the bailiff who comes to repossess my car will have a copy of the default notice. This doesn't seem right..does the default notice have to be issued in advance and therefore give me some sort of notice? Thirdly I've moved..how long will it take for them to trace me? I'm not on the electoral roll at my new address. Was hoping if they were going to repossess my vehicle, it would take them a while to find me by which time I will have raised funds to pay off the arrears. Just to note that my car is worth approx £5k and my outstanding amount to the company is about £1200 I think so I'm not prepared to surrender my car. I want to pay off the logbook loan then sell my car to help my financial issues. Any help is appreciated!!

Hi Hoping someone can help! I've got a default notice on my file for a Welcome Finance loan that I took out. I missed a couple of payments due to some extreme personal circumstances at the time..silly I know but couldn't be helped. Anyway, next thing I know, they had marked the account as defaulted and gave me no warning of this. I was able to catch up with my arrears but refused to until the default notice had been removed. As far as I am aware, they have to give notice of issuing a default..is that right? I'm sure I read it somewhere!! I contacted them on numerous occasions but they weren't having any of it and were obviously keen to pile on as many charges as possible. Now the account has been passed on to MacKenzie Hall debt collectors. I've just faxed them a letter and told them I will happily pay the debt if the default is removed. Am now just thinking what rights do I have in all of this, if any? Also, I've just checked my credit report and it shows 2 payments were not made, it seems a bit excessive to record a default after just two payments late..can they do it when they like? Any advice would be appreciated. This has really buggered up my credit report and I've been trying so hard to improve it after a few years of financial recklessness when I was younger

2001...I shall wait and see what they come up with!

Hi I've made a complaint to Next regarding PPI on my Next Directory account. I do not remember taking it out and would not have knowingly done so. They have come back with a very vague letter stating it would have been taken out either by ticking a box or during a phone call but they have not stated which and have not provided any supporting evidence.They seem to just be making a general statement rather than specific to my account. I have made a subject access request but am just wondering what to do after that if they don't have the application or can't prove where I select the cover...Next have confirmed they are not covered by FOS so presumably they can just keep rejecting my complaint as they know I can't do anything further apart from court action (I assume) which I haven't the foggiest how to go about! Any pearls of wisdom? I have looked at other threads on here but from what I can see, no one seems to have had any success!

Thanks..it was paid off more than 6 years ago but luckily I have the paperwork! Have just finished completing the fos forms, fingers crossed they will look at!

Thanks, I will crack on with FOS forms then! I didn't think there was a time limit..cheeky buggers!

Hi I've made a PPI complaint to GE Money regarding an IGroup loan taken out in 2002. They have come back and said that it is timebarred under the Limitation Act 1980. As far as I was aware, for a PPI complaint to be timebarred it had to be sold more than 6 yrs ago AND they had to prove that the customer was aware that they had cause for complaint within the last 3 years. As they can't prove the 3yr rule, surely it cannot be timebarred? I'm a bit confused! They have also stated that the complaint can be referred to the FLA but don't mention the FOS - I'm confused as to what makes a complaint eligible for FOS referral whilst others are not. Can I still refer this to the FOS? Thanks in advance for your help!

Thanks for your help. Will contact FOS and hope for the best! Not sure how to go about doing a claim through the court but no doubt there will be plenty of info on here to help me decide if that's a possibility too.

Hi Just wanting some help with a claim against Colonnial now Chatham Finance. The original response I got was actually from Paragon so it appears Chatham are part of that group. The basis of the complaint is that my dad was self employed & wasn't given details of T&Cs relating to self employment plus the cover wasn't described as optional. We have the agreement and the box relating to PPI is pre ticked and it doesn't state it is optional. He had no reason to query it at the time as was told he had to have it. The sale was made in August 1999 and the credit agreement was regulated by the CCA 1974. We have a copy of the agreement which has a section relating to PPI but the box was preticked and the cover is not clearly described as optional. The PPI is shown on the agreement but the interest on the premium is not shown, so the full cost of the cover is not clear. Having submitted the complaint, we very quickly received a letter from Paragon stating that as it was sold in 1999, the concept of an advised sale did not exist and the loan was offered on an information only basis and decided for themselves whether to take it out. I responded and said that whilst the sale was not advised, they had a duty of care to provide him with full information about the cover to enable him to make a fully informed decision which he wasn't and indeed wasn't given a choice in the matter. The letter we've just received back is from Chatham Finance this time and is just a 2 liner stating 'our position remains the same, you are free to take whatever action you consider to be appropriate'. So they've not actually responded to the complaint points at all. Not sure where to go from here - in their response they mentioned going to the Finance & Leasing Association. I didn't know anything about the FLA, I just thought it was the FOS who deal with these things. Having read up on the FLA it sounds as though they don't have much clout at all. If anyone can give me some advice on my next move that would be much appreciated! Thanks

Hi Just wanting some advice on a similar situation..it seems here is the place to be! I'm helping my dad with a claim against Colonial/Chatham Finance which now appear to be Paragon as I've received a response from them. The basis of the complaint is that my dad was self employed & wasn't given details of T&Cs relating to self employment plus the cover wasn't described as optional. We have the agreement and the box relating to PPI is pre ticked and it doesn't state it is optional. He had no reason to query it at the time as was told he had to have it. We received exactly the same letter as the user on this post ie it was sold in 1999 therefore the concept of an advised sale did not exist blah blah blah. I responded and said that whilst the sale was not advised, he was not given sufficient information to make a fully informed decision and the ppi was not described as optional anyway. The letter we've just received back is a 2 liner stating 'our position remains the same, you are free to take whatever action you consider to be appropriate'. So they've not actually responded to the complaint points at all. Not sure where to go from here - any advice? I think I will start a new thread too but just wanted to post specifically here due to the success of the original poster. Thanks

Thanks for your responses everybody, very helpful! In relation to your questions papasmurf, he had just said that he wished to raise a grievance shortly before he went off sick or it might have been initially when he went off sick and he sent an email saying he would like to raise a grievance, I would have to check. The HR lady then emailed him and said she would like to have a meeting to discuss the grievance, as he was then severely ill I responded and said he was in hospital and we would deal with the grievance at a later stage so it was just left at that. We since haven't had the energy or been in the right frame of mind to do anything more about it as we have been focusing on getting him out of hospital and getting better. Prior to him going off sick in December, he had probably a couple of months where he felt like he was being bullied..things like he was told he was up for a job on the day shift (he worked nights) and then his manager virtually laughed in his face and told him he would never get it when he went for it. I think there were a couple of incidences of his manager swearing at him and shouting in his face and such like. He was made to feel like a fool. This wasn't the sole cause of his illness but I think it pushed him over the edge in terms of everything that subsequently happened. Now I'm thinking about it, I'm getting angry about it and thinking we should proceed with the grievance, it's just whether my husband is up to it really. Your suggestion of reasonable adjustment is a very good one, that makes sense to me. There's no need for them to know all the details and they are not mental health experts so I can't see what use his medical records would do but if they have specific questions, I'm happy to get them answered. Will check about the legal cover too. Thanks for the helpful information.

Hi To be honest I don't think he wants to go back which is understandable but we are thinking he deserves the sick pay he will get for the time being after all he's been through..we want to get something out of it all and just don't feel like they should be calling the shots and deciding what's what after the stress they have caused him and the least they could do is pay sick pay until his sick period is up! Not that I'm bitter about it or anything