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About davejh666

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  1. I was thinking of it to be honest, but it will ruin their machine. And I don't care in so much as I know they are ..., but I do care in that do I not have to take reasonable care of their goods whilst in my possession? And, on 2 occasions when we have had bookings my son, who is 13, could have been at home for them to collect (keep in mind that all they are doing is collecting it from the hallway - it is disconnected etc) but they need someone at home over the age of 18 to sign?!
  2. Hi all, Advice please on PH. I ordered a cooker from them on 11th December. Our one went bang and I couldn't really afford right on top of Christmas to buy one outright. They delivered an installed the cooker on 13th December. However, my wife didn't like it. Literally that day my circumstances changed for the better in that I sold a house so we decided to withdraw from the agreement with PH and buy one outright, which we did. I put the withdraw from agreement in writing to PH on the Friday evening (13th). They responded on th
  3. Hi Andy, No the judgements are not secured against anything. We don't own our house, we rent from the local housing association. Just my debts, wife doesn't owe anything. Thanks.
  4. I know what you mean about it not making any sense. I guess I would just feel happier being debt free, knowing that no matter what may happen in the future I don't owe anyone anything. With regards to the car - again you are correct. The car I wrote off I had for 4 years nearly and it cost me £350 when I bought it, never needed anything other than tyres and a battery. Being honest again though I am a petrol head and love my cars and bikes. However, for the last 7 or 8 years I have not been able to afford to buy what I would have liked. Neither the wife nor I had good paying jobs an
  5. Ah okay, yes I see now. It is okay to do this then? I need to make sure that if they accept anything that the CCJ gets marked as paid? As I said I have no real issue with continuing to pay each month but it does feel like a noose around my neck and if I can get rid of them then I will be much happier, just I know I can't afford to pay the full amounts. I will come back here if they do agree to anything to find out what I should do next. Thanks.
  6. Hi, I admitted the debts as I took out the money/credit. They were both for credit cards that I used that I stopped paying. To be honest I knew I couldn't afford to pay them back when I took the money but felt I had no choice due to circumstances at the time. When the debt collectors letters from Lowell came through I ignored them all hoping they would go away. I had more pressing matters at the time with my mother, and buried my head in the sand. So when the claim from the court came through I filled it in honestly. The other 'debts' are for car finance that I took out
  7. Hi all, I have 2 separate CCJ's with Lowell. I have had these now for 1.5 years and 6 months respectively. I admitted to the debts when the claim form from the court came through and filled in an income and expenditure form for both claims. Made and offer of £20 per month for the first debt and then £5 for the second debt. Both of these were accepted and I have been paying them via direct debit without missing a payment. Unfortunately my mother passed away a year ago and we have now sold her house. I am now in a position to pay off some debts. I
  8. Hi all, After some advice after receiving a Civil Parking Charge notice for Lidl in Cambridge Street St Neots. 1 Date of the infringement 02/12/18 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 04/12/18 3 Date received 06/12/18 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No, not as far as I can see. 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? {y/n?] post up your appeal] No, only recieved today Have you had a response? [Y/N?] post it up 7 Who
  9. Evening, Thanks for the reply DX. I will upload the file tomorrow evening. I have it saved as a PDF file on my pc, but am unable to edit it to remove personal details. Will do it when I am at work tomorrow from my work PC.
  10. No. No GAP or PPI. Only thing we 'bought' was an insurance policy which covered mechanical breakdowns and repairs - that was £400, which we were not aware of until we got home with the final paperwork.
  11. Thanks for the reply DX. We have VT by letter, it was sent off recorded delivery on 28th September, and they received it on 29th September. The letter was very similar to the last one you posted. This is where all the rubbish about the collection fee started. They wanted us to take the vehicle somewhere that would have resulted in approx 120 mile round trip. My wife said that was not a reasonable distance and that she wanted someone to come out and collect. They said they would send someone out but it would cost £80. The woman at Advantage insisted they could charg
  12. Evening all, I could do with a bit of advice please. In January 2016 the wife and I took finance out on a car with Advantage finance. Unfortunately our circumstances have changed dramatically in that time and we can no longer afford to run the vehicle. We have been in contact with StepChange debt charity and they have gone through our finances and the only logical way forward for us out of a bit of a mess is to Voluntarily terminate the agreement and give the car back. We will still owe money on the vehicle as we haven't paid half the finance agreement, but S
  13. Hi, Yes the claim form was issued and we responded the very same day we got it, that was on June 4th 2015. Name of the Claimant ? Cabot Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. June 2nd 2015 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE OF THE CLAIM IS DAY 1 [example: Issue date 01.03.2014 + 19 days (5 days for service
  14. Hi all, I have looked through a few other threads, as there are quite a few regarding Cabot/Restons, but can't find anything like my situation, so hopefully someone can help. This is my other halfs issue really, but am trying to help her out as much as I can. Back in November 2014 we got a few letters from a debt collection agency about a Vanquis credit card debt it said my wife owed. She did not recognise the debt, so we wrote to them asking for a CCA and statement. We have kept a photocopy of this. We didn't hear anything back, and I will be honest and say we just left
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