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About padbear

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  1. A Railway Staff Association folded in June of last year and owed a sum of money to Canon Hygene. A new club was formed in July 2019 and as such had a separate constitution, Committee and HMRC status. We notified Canon that we did not want their services and asked them to remove their equipment. This was ignored and they have been persuing GWRSA. We have pointed out that we are not them and they should persue the person who signed the agreement between them an GWRSA.
  2. Are a Debt recovery company allowed to cancel a existing direct debit and then claim the person have defaulted?
  3. Hello, I am asking the question if a staff association can be sued?
  4. Can I still do it even tho it is addressed to her and I fear I may be too late as I have been away myself and only just found it.
  5. Hello all, I am enquiring on behalf of a friend of mine. They incurred a debt from M&S on the break up of her marriage some years ago. The debt was incurred by her ex, but seeing that she was also named on the account they have chased her, ex no where to be seen. She was on a limited income with mortgage etc to be paid and as a result went to money lifeline and with their help the negotiated £1 pm which she has diligently paid. Now letters have started to arrive from Drysdenfairfax demanding payment and have started CCJ proceedings against her.
  6. It was with M&S financial services and I think a store card.
  7. Recently my partner has started to receive letters from the above company regarding a debt. Date of original agreement was 02/10/2006. This debt was left to her from her ex-husband and at her wits end she visited a independent debt advisor and a payment plan was set up, and she has been paying this since 2009 and last payment was last month. Drydensfaifax are now demanding full payment of the debt, so any advice on how to deal with this would be appreciated. I am aware that since payments have been made up to last month this is not statute barred. Would a request for a
  8. Hi and thanks Honeybee and Andy, yes I did mean 2012. She recieves pay slips ad hoc due to her working part time and access to her internal mail is not available. What I am saying, she was not notified about this until now, payments already taken, errorr on behalf of local managers and payroll. She wanted to know when this overpayment happened and then arrange a suitable repayment IF there had been a overpayment.
  9. Hi all, My daughter also has found that, according to the payroll dept of the company she works for, she was overpaid in the period August and September 2013. My daughter accepted the salary in good faith as she had worked overtime for training during that period. They have already taken some if not all the monies back without notifying her. They not provided any details of said overtime, when asked for copies of payslips for that period, she was told they can't do that, and that her managers have given the payroll dept permission that take the deductions. I would question th
  10. Yes I know, if only I heard about "Caggers" before I did
  11. The debt is coming up to 6 years old, and a last payment I sent to lowlfe was about 2 years ago, but from a different address.
  12. Hi Folks, I have a old visa card debt that was passed from MBNA to Lowlifes in Leeds. When they 1st sent letters to my new address I done the usual "know nothing of the debt and unless they can provide evidence to show that it is ect..." They then wrote back and said thanks for the reply and they will look into my request. I have just recieved a letter back from them, after about 2 months by the way, copies of statements that only indicate balances etc. What is the best advice on how to proceed?
  13. Have a bit of a problem with Quinn Insurance. Last year I took out a Insurance policy for myself and 3 of my daughters (all provisional) and was quoted at about £36 pm, this was fine. In October I informed them of a change of address and the premium shot up to £96 pm. I enquired why and they said that I had moved into a high risk area. Well I checked various web sites and the risk factor was the same as the old address and also I now had off road secure parking. I even got a quote online for £33 pm, £3 less and guess who it was with, yes Quinn. I challenged Quinn and they said they could
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