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About medievil2003

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  1. Thanks DX! So my reply would be wrapped around that - do you think this is enough to force them to remove the default?
  2. After a long few years of many stresses, I've just got round to checking my credit file which i knew was going to be bad but didn't know a default was on there from British Gas. I have contacted British Gas and filed a complaint on the basis of never having received the default notice, they replied quite quickly within 7 days attaching a copy of the said default notice for my reference, i am very organised with my paperwork and have genuinely never seen it before. The focus question i would like to ask, is whether the default notice attached is in the correct format a creditor is
  3. Yeah i was paying it off then borrowing more, until the debt including other payday loans caught up on me. I was really surprised that they accepted to lend me to money because my credit file was in still in a mess.
  4. I complained to a lender about not carrying out the proper affordability checks, there was a balance at the time of around £600 - the complaint was upheld in my favour and they agreed to redress all of the interest paid plus 8% but are telling me i need to pay the principal balance of £300 which is the amount borrowed without any interest. They continue saying that if i do not accept this response and organise a way to pay, then the whole will become payable. Adding that any adverse markers on my credit file will be removed (this hasn't happened yet and the complaint was upheld in
  5. I've had a car under lease now for 2 years and 6 months with the lease expiring on the 24/07. The car has been in repair with the main dealer local to me for 3 months of which in that time I've had 2 courtesy cars from the dealer. The car has minor body damage and alloy wheel damage, which i always had in my mind to repair at least 2 months before the lease finishes. I got quotes etc all which gave an estimated time from booking to completion of ~1 month. My question: The leasing company are chasing me to book an inspection on the vehicle and no matter how many ti
  6. oh no, this is definitely not as it came directly from the person i had complained to with their email signature.
  7. After an email to the council saying how their excuse is stupid and that i will be seeking legal advice, they responded which i do not fully understand "Your enquiry is being dealt as incoming correspondence and case now on hold. A response will be issued within 56 days via post." Maybe this means they're taking it seriously now?
  8. So how things have progressed, ever so slightly... I've spoken to Royal mail and they've confirmed that without fail, a sticker or writing will be on the envelope to enable the sorting office or post office to know where and why to route it back. A letter is being sent out from them confirming this. Now, i asked the council again if nothing is on the envelope which they confirmed, but with a broad and sarcastic argument of reply stating we do have a returns address on the bottom left side of the envelope. To which i replied, how would the post office know to send it back to you then
  9. Hi Jamberson, good evening and thank you for your reply. I have spoken to the leasing company today, informing them of what the council have said and they'll investigate - not holding my breath though! Slight change of subject but still relevant, when a letter goes through the return to sender via royal mail, do you know if the envelope will be stamped or similar to say this? I ask because the council sent me a scanned copy of the letter which on the 2nd page is a scan of the envelope, but it's plain, nothing mentioning return to sender.
  10. Hi guys, good morning I have a lease car and got a parking ticket which I promptly appealed, I never heard anything back from the council. It was only until the lease company send me an invoice for £295 that i realised something is wrong and i took this up with the council directly to find out why they never send me the rejection notice. The lease company have paid the council. They replied saying that rejection notice was sent back to them as "returned mail", this is impossible as I get all types of letters come through and even various from the same council. Aside to the obvi
  11. Thanks again. What will happen if they ignore his request or refuse to do so? I am only concerned that it'll get to the CCJ 30 day payment period. Would my father need to file a defence if he gets no response from them?
  12. Many thanks for your quick reply. I shall pass this over to him now to handle.
  13. My father appointed a contractor to do some work on a boiler in a hotel that he does property maintenance for, there was a dispute between him and the contractor and the invoice they raised was to my fathers company. The claimant being the contractor has issued a claim form but in the name of the hotel company name as the defendant. This should be my fathers company. What do i need to do? Thank you.
  14. There was no business setup at the time of wanting to order the goods and paying the deposit, the suppliers have to put a name in the order, company or not. They've not ordered anything, as mentioned in an earlier post they've not argued the deposit is non-refundable because of ordered goods they're saying it's taken to cover administration costs. Why would it make a difference whether the supplier is left "hanging" for another year, there's no admin costs to hold my money, let's say £10 per email they send me? That's the only clear loss but are all part and parcel of a sale?
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