It's funny how you are always on the side of TVL in every single post you make. I changed bank accounts, I got a letter from TVL saying they did not receive the direct debit, and the next day I had TVL banging on my door. so yeah, I would have probably have updated my bank details that day/next day to pay for the license. I still think the TVL is a $cam, disproportionate fines are issued and the public is being $cammed/cash cowed.

I just thought I would let everyone know who might have had problems with Cash Genie in the past. Lots of adverts on TV now for Sunny payday loans. Beware, this is affiliated with Cash Genie. CCA License Number 0594425 is for Think Finance (Uk) Ltd Doing a search of the CCA register, shows a familiar name: Peter John Tuvey Doing a search on Peter Tuvey, shows he has directorships for the following: Ariste Holdings Limited (Previously known as Cash Genie): Book value: £4.7 million Twyford Developments Limited and 6 others. Interestingly enough, apparently Ariste Holdings limited has a parent company called Change Capital, Inc. Change Capital, Inc is registered in Texas, USA.

I'm just updating this thread as well: I unfortunately could not attend court that day due to work commitments. So I plead guilty through the post and begged the court's mercy on the fine of not having a TV license for 1 month. Received the following: £100 fine £90 court costs £20 victim surcharge Spoke to court and am paying £70/month over 3 months. TVL ba$tards

Right, time to update this thread: I was in contact with this company and then once I did my formal complaint regarding lack of default notice, account defaulted 12 months after last action on loan, unlawful charges, etc. They have ignored me totally. 8 weeks have passed and I'm guessing their final response is to ignore me. What is my next move? 1. Complain to OFT and ?? 2. ?? I need some hand-holding here

Hi, sorry for delay in replying. Yes I think I admitted part liability as we had agreed to £24 and not the £200-odd that they wanted to make me pay. Thank you very much for pointing me in the direction of a certificate of cancellation. Just spoke to a very helpful lady at Northampton CCBC who gave me the same information as yourselves, and said I would just need to send in a covering letter, stating what happened, copy of letter from claimant stating I paid before judgement date, and a cheque for £15 and they will sort it all out for me. If they need any further information, they would contact me. Again, confusion about who the CCJ was actually issued to, as they show Mrs S. SURNAME. Explained there isn't a Mrs S. SURNAME, only me, Mr S. SURNAME. lol

Just wondering what I should do now with the completed N244 and thoughts on what I posted above?

Yes. I thought with the SAR route I might get a lot more information than if I asked for it specifically.

fbnts: I am in a similar boat as yourself at the moment, currently on level 2 official complaint. Would you mind letting me know what local authority you are in? Reason I am asking: The documents that were cobbled together when I complained about an invalid levy on a 3rd party vehicle, on the same date as your walking possession post, bears the same signature. Would be interesting to see how far you live from me to have the same bailiff visit on the same day. (PM is fine if you don't want public the local authority named)

After much thinking and wondering if it worth the time, I have decided to do the following: We have been hounded by Rossendales for the past 5 years at three various addresses. We were essentially forced to pay Rossendales each year as we could not afford council tax as we were bullied into paying Rossendales for previous year's council tax. So it just snowballed each time. I now plan on sending them a SAR to get all my info from them and see if there were other dodgy fees and payments on our accounts. They bullied my wife each time I was at work, scared her and my three year old daughter each time that they used to hide in the bathroom for hours until I came home after a bailiff visit. If I detect any wrong-doing, I will be using the full extent of the law, with help from this forum, for some payback.

Just a small update on this. After much confusion on Rossendales part, they agreed that I only owe them £18 and graciously allowed me 21 days to pay. I made them wait 21 days before paying them the outstanding 2nd visit fee today. Formal complaint is at stage 2 at the local authority for the past two weeks now - Is there a timeframe they need to respond to me?

Hi Steampowered, thank you for looking at this. Please see answers below to your questions: I have the following from them: 1.Completed N244 with the following: a. the company name b. 2. ticked box Claimant c. they have written in box 3. "What order are you asking....." "CANCEL CCJ AS PAYMENT IN FULL WAS RECEIVED PRIOR TO 26/1/12" d. Box 5 on how they want application dealt with: without a hearing e. Box 10, in support of your application they have ticked the bottom box "the evidence set out in the box below and have written: "An error occured in the paperwork trail whereby payment was received but the CCJ was carried through. Payment was received prior to the Judgement and CCJ has been awarded unfairly" Then signed Statement of truth. completed box 11 with Applicant details and contact details. Then they have attached a copy of the forms from the court titled "Notice of Part Admission" from MCOL dated 23rd January 2012 in which they have been told to complete lower half of form and send back to court before 11th Feb 2012, and to send me a copy as well (NEVER RECEIVED MY COPY) No further action will be taken by the court until the form is received. (So why was a judgment issied 3 days after this form? Because I admitted part liability? Luckily I had paid before the 26th?) They have ticked Box B (I ACCEPT the amount admitted by defendant in satisfaction of my claim) and ticked box "I accept defendant's proposal for payment" Section C Judgment Details, they have ticked box I would like the judgment to be paid immediately and at the bottom "Amount payable by defendant= £24" this is dated 25/01/2012 Date of payment = 23/01/2012 as I had discussed this with the accountant/consultant on the phone and he agreed if I paid, he'd complete the £24 and that I'd paid it. Date of judgment = 26/01/2012 I never received ANY further paperwork from this Company/Northampton CCBC regarding this, and I had thought as I had paid before judgment, this had all been stopped. I discovered that I had a CCJ on my credit file when I signed up for a trial version of checkmyfile and it showed that I had a CCJ on my Equifax credit file. I am subscribed to Callcreditcheck and Creditexpert and it does not show there. Checkmyfile states it has not been reported to Callcreditcheck, only to Equifax, which I did not have a subscription to. Also, as a final note, even on my checkmyfile record, it states the CCJ is for the following: MRS S. SURNAME I am MR S. SURNAME MCOL paperwork also states MRS S. SURNAME as defendant. My wife is MRS T. SURNAME. I also noticed that I had been refused over the past 18 months for various credit card applications, and even our Ltd company application for a Barclayscard (in the Ltd companies name) was refused, and the application refusal mentioned looking at Equifax, which I never did as I thought it would contain a few similar entries as my creditexpert subscription showed.

right, update time. After hounding the company for nearly a month, i received in the post yesterday a copy of the MCOL paperwork sent to the company, as well as the N244. which states I had paid them the £24 before the judgement date and that "due to a lapse in the paper trail" this had not been cancelled before judgement date and that the CCJ had been issued in error and that it was unfair judgement. Nothing else. (I can scan if anyone wants to read the correct wording used and if anyone is interested.) So now I'm kinda peeved. I was basically originally forced to pay £24 to avoid the CCJ. (Amount due was caused by our letting agency not giving us the correct date of boiler repairs), and I requested the boiler company to submit the set aside as it would apparently only cost them £45, whereas if I submitted it, it would cost £80. I even offered to pay the £45 to have the set aside sent, as it was their error which caused it. So basically I'm £104 out of pocket through no fault of ours. GRRRRRRRR. Ok, end rant. What do I do now? 1. Make copies of all paperwork 2. Send paperwork to Northampton CCBC?? (Proof of delivery??) 3. Do I need to include a covering letter explaining? 4. How do I pay? Cheque? Please advise, I've never done this before.

It looks like the server it is hosted on has some dns issues as well, which is probably why you can't view it. Their email is handled by Google Mail, so don't know why they are not answering you.

Website working fine my end. co.uk redirects to .com

Hi Nigel, Sorry to hear about the navicular. I'm guessing that because it is expensive to treat, and was diagnosed less than 3 weeks after your insurance started they are suspicious about it. It does seem weird though some of the questions they are asking. My suggestion would be to write them a letter, requesting detailed information why they need all this information. However, I would strongly suggest you do supply them with all the information they require, as insurance companies are used to dealing with fraudulent claims, especially in the pet industry, and will look for the smallest excuse not to pay the vet. I have witnessed on many occasion brand new insurance on a condition that clearly has been present preceding the start of the insurance. Please also do bear in mind that my advice has no legal basis, and can only offer my prospective from the veterinary side and having dealt with almost every equine insurance company in the UK. If anyone with more insurance knowledge than me can offer any assistance, please do. Please keep us updated on the outcome.

Hi, I hope you are not sick of questions, as I would like to ask some as well. I have an equine veterinary background so might have some insight into the questions she asked. Do you have a diagnosis what is causing the lameness in the horse? Was the lameness observed during a walk or trot or both? Saddles: Were they new saddles/new to the horse? As to phone records, have you asked why she needs to know the records? you say she is looking for records for May. When did you take out the insurance? If this was after May, maybe she is trying to determine if the horse was lame prior to the insurance starting.

Not even current accounts?

Thanks, I will do that. I have been defaulted by lloyds, no default notice sent, Do you think it is worthwhile getting SAR in? And report muckheap?

Dear All, I hope you can help. I had a payday loan with Debitcard Loans. When it became evident that I could no longer afford to pay them back, I ensured my wages went into another bank account and then let Debitcard loans know I could not afford to pay them back and requested their banking details to draw up a repayment plan. All requests were totally ignored. they attempted for about 4 months to take the money from my empty bank account, this forced the empty bank account to go overdrawn. After the first time, I went into my local branch and requested that this stop (I did not know about CPA then). Branch Manager (!) told me there was no way that this could be stopped, as they had my card details. I "lost" my card the next day, and got a new one. Debitcard loans somehow still managed to force payments (attempted payments) through, and this created more unauthorised overdraft fees, interest charges and penalty charges. This was sometime in 2011 if I remember correctly. Lloyds kept on phoning me asking me for payment, I would say that I dispute the amount now owed (over £400) and requested statements. I never got any. I attempted to get statements using my online account, they had deleted my online account from my online login. Fast forward to Monday the 5th of August 2013, Mackenzie Hall phone me up wanting payment for this. Told them not to phone me, but to email/send me a letter as I dispute I owe anything to Lloyds. Put the phone down. Get a letter in the post today, in a familiar brown envelope that Mackenzie Hall favours, with the Bellshill return address and "This is not a circular" on the envelope. Surprised to find that it is on LloydsTSB headed paper, telling me debt has been handed over to muckheap for collection and gave me all of Muckheap's contact details and that I should now contact Muckheap. Was signed by Claire Thomson. Which made me suspicious. Looked Claire Thomson up, and yup, she works for Mackenzie Hall. So... should I notify lloyds Muckheap is forging letters with their headed notepaper? Obviously I think this should be forwarded to the OFT as well. As well as this, I need guidance now on what to do with this "debt". I think I should SAR LloydsTSB right? Would the template do, customised to my details? I anyone wants to see, I can scan the letter from Muckheap pretending to be Lloyds.

found a few more emails. Actually final loan was taken out November 2011, not 2012 as I stated. Requested a statement 8 times to work out a repayment plan. Threat-o-grams from the following: Payday UK - ignored my request for statements Keyes Whitlock - said will ask client for statements and get back to me - never did. Equidebt - said will ask client for statements and get back to me - never did. and now CRS

I had a payday loan with MEM/Payday UK and I just looked at the email trail of all the loans I had taken out. It looks like I rolled over multiple times, approximately 8 times it looks like it. I finally could not carry on and in December 2012 I sent them an email saying I could not afford to pay the rollover fees all the time, nor could I pay the full amount. I never heard anything back from them apart from their automated emails telling me I had not paid yet. I received an email from Credit Resource Solutions approximately two weeks ago, saying: Well pdf was blank. Today received the same pdf, except this time it was not blank. I've attached pdf with details blanked out. It seems that CRS are making false representations in this letter? Apart from that, anyone suggest a course of action? I'm guessing best way forward would be to contact payday uk/month end money, and request statement, and work out a payment plan with them?

Unfortunately no. I disputed the charges and they have just ignored me and no longer reply to my emails.

Just an update to this: I received a letter from Rossendales dated the 22nd which arrived on the 23rd. I was basically walking in the door from work when my mobile rang and it was a Rossendales muppet demanding payment. He was totally confused regarding the amount and then essentially said "Oh yes, here it is the amount outstanding is £42.50, which is the first visit fee" I queried this and he said oh sorry, I meant 1st and 2nd visit fee. I basically said "Look, I've just walked in from work, I see there is a letter from yourselves. Don't phone me again" and put the phone down. Letter from Rossendales states awfully sorry for the delay, the person who was dealing with my case is out of the office. and due my protestations that the vehicle doesn't belong to us, they will believe me this time and remove the attendance fee and van fee (both charged on the 15th of March), and they will now convert that to a 2nd visit fee, so I now only owe £42.50 for first and 2nd visit fee. According to their previous letter, they showed a breakdown of costs and payments received. In this analysis it clearly shows I have ALREADY paid 1st visit fee. Got an email from local council today with regards my formal complaint. What a load of hogwash! Totally ignored everything I said in my complaint to them, and you could clearly see it was copied and pasted response from Rossendales. Interestingly enough, in their email they stated they have instructed Rossendales to do a DVLA check to find out who owns the vehicle. and that at present I still owe Rossendales £161.00 for the attendance fee and van fee on the 15th of March. So I answered local council's email, basically told them all the evidence I have that Bailiff was lying: Rossendales swear Bailiff spoke to my wife on the 15th of March and left paperwork with her: she wasn't even in the country. Good luck with explaining THAT! Also, that bailiff had refused to return the case to local council when he came around the first time harassing her when she was 7 months pregnant and had just buried her mother who passed away. Basically, told them as this has not been resolved yet, and that Rossendales can't even get the amount right, I am reserving the right to go to step 2 of the complaints procedure. My final parting words to the council: Local MP has been in contact again to find out if I'm still being hassled by Rossendales.

There are organisations such as the PDSA and RSPCA that provide vouchers towards treatment for people on Benefits. Have you tried that avenue? https://www.pdsa.org.uk/pdsa-vet-care/eligibility Veterinary practices are expensive to run. No vet can afford to do work for free without compromising the quality of care towards other paying clients. In the UK, people are unfortunately so used to the idea of free NHS care, that they expect it from the veterinary industry as well. With regards to having paperwork from another veterinary practice, this could very well be another branch practice of the main hospital, which often does not bear the same name, and this could have caused confusion. Unfortunately, in veterinary practices, the most common outstanding bill to attempt to collect on is when the animal has been put to sleep. Many practices will have the decency to understand that it is a traumatic event, and will often say don't worry about paying today, meaning "Don't pay today, come back in a week or two once you have recovered and pay" Unfortunately, people abuse this process and skip out without paying the bill, causing a loss to the veterinary practice. I unfortunately cannot believe that no invoices were sent out requesting payment - Most veterinary practice software generate them automatically at the end of the month for posting out.

Yup. I've worked in the veterinary industry. Insurance company are within their rights. People have received fines before. The following is often referenced: The Welfare of Animals in Transport Order prohibits owners from transporting their pets in any way that 'causes, or is likely to cause, injury or unnecessary suffering to that animal'.