Today the electricity company supplying our building attended whilst i was out and disconnected the electricity. the warrant is not in my company name, it is in the Name of a former company sub letting the building from me. This business liquidated in December. I moved back into the building after the former company ceased trading - the lease has always been in my name - i sub let to the previous company. I tried negotiateng on the phone ( i was working on a clients site in London so could not get back to the NW in person) The supply company say that they are disconnecting and that because the lease is in my name - i am connected to the former company. one thing I noticed tonight when i went into the office is the copy warrant left by them was the name of the liquidated company not my company surely the warrant has to be in the correct name - History. A couple of weeks ago when their agent attended our premises, i explained that he was chasing a debt belonging to a liquidated company no longer at our premises, I also explained that all the old correspondence had been forwarded to the liquidators as per instruction - even so we can not legally open someone elses post so were unaware of any debt or communication prior to his visit. I also explained that they would have been informed of the liquidation as they were a creditor and he admitted that they probably were but they do not act on it ? It all seemed amicable at the time - I suggested changing or transferring the account into our name and we would pay the bills for our usage , he said that was not possible whilst the debt remained outstanding to the liquidated company - suggesting we pay it .... why would we ? i gave their agent a copy of my rates bill, a copy of trading invoices and company insurance, a copy of my current letterheading all to prove the business is different. I even gave him a copy printout from companies house (webcheck) proving that the company he was seeking had liquidated and a list of officers - which of course did not include me. he said it looked ok and would investagete. Last week we had a call from supply company saying that the businesses had a common director and the bill and warrant still stand ?? The liquidated business and my existing businesses do not have a common director - the supply company has picked up another business that that i have that is also registered at the same address and say this proves the common link. This is nonsence !. Even if i was a director of the liquidated company - surely they would be seperate legal entities and they could not transfer a debt from one to the other ? I phoned other supply companies for advice and assistance - but they all say that they can not help or take over the supply unless the current company releases it. The supply company are not backing down. they say the name on the warrant is irrelevent, insisting it is the same company. where do i go from here - is it worth contensting the validity of the warrant ? - even if successful - how do i get them to re-instate the supply, i have looked on the web and am worried - there are loads of horror stories quoting anything from months to never for reinstatement. i will have to buy or rent a generator to supply building in mean time - im not sure of costs , but it ill cost a couple of thousand to buy a decent generator, then get it connected, then im not sure of the running costs etc . ...else close the business and make 5 staff redundant or relocate ... this seems very unfair - everything seems to be sided with these bullys. how do i sort this mess out.

Can someone give me some advice? I am being chased by Cabot Financial for a debt taken out electronically in my name. There is no actual signature, no id was produced and the electronic credit agreement has the wrong date of birth on it. Is this debt in any way enforceable?

Hi all, Can anyone shed some light on this please.my sister stupidly signed a speeding summons which said she was driving her boyfriends car at the time.the bugger duped her and now shes faced with losing her licence for sure in court.can she change her plea as ive now pointed out that the date in question she was in a cast with her ankle pinned!!!so its clearly obvious she wasn't driving at the time!!any help or advice would be greatly appreciated! Many thanx in advance.

Hi folks, new to the forum and need some advice please. History: I went into my bank to get an overdraft last year and was rejected as my account wasnt old enough and they suggested to wait a year and also open up a savings account to improve my chances. Which I did. So I went in a couple of weeks ago thinking id done everything to get an overdraft only to be told that they STILL couldnt offer me an overdraft. So I was advised to check my credit file to see why I wasnt being accepted seeing that my history with the bank is excellent and Ive made no searches and done nothing to warrant rejection from my own bank. I proceeded to check Experian and there was nothing there to show anything was wrong except that I had no credit agreements and my bank account was only a year old. So I then decided to check out Equifax and boom! On my previous address search theres a number of defaults for someone who has the same 1st name, different surname and same DOB. I literally couldnt believe my eyes! Theres nothing in the financial links, CIFA or anything else. Just in the credit agreement section under previous addresses. Obviously the score with Equifax was shocking. I also noticed a 'trace enquiry' for this guy for the same address. So i contacted Equifax and they advised me to submit a query, which I did and Im currently awaiting a response. Im convinced its the same with CallCredit as I failed the security questions, so awaiting the code they send you so I can find out. My credit is ruined and I just dont understand how this has happened. Im not even sure if its fraudulant activity as the surnames are different. Im totally confused and angry as Im wanting to purchase in the next year and a half and this has set me right back. So my questions are as follows: 1) How the hell did someone else get on my credit file? 2) Why would a debt collector give someone elses details to the credit agency and the agency accepting it? 3) What are the chances of these defaults being taken off? 4) If they do get wiped what are the chances of them coming back? 5) In the event these do not get taken off what is my next move? 6) If the info gets wiped how long do I have to wait before the score goes up to a reasonable level where I will have no issues in getting credit? Im sure Ill have more queries in the future but any answers, advice would be greatly appreciated. Im hoping these debt collectors see sense and realise theyve made a huge mistake. Thanks in advance.

Hi, Long story which I won't go into but: -I have a court claim issued against my company, with the company name spelled incorrectly and not identified as "ltd". I.e. our name is ABC DEF LTD, and the claim is against "ABCDEF". -Supporting paperwork attached to the claim is a pile of invoices issued by, according to the invoices, "XYZ". This name is not a limited company, and it's not identified on the invoices as "ABC T/A XYZ". There is no person's name on the invoices. The claim is then issued only in the name of the individual, not the company. So on the face of it there is no link between the invoices and the claimant. It would not be possible to argue that we don't know the identity of the claimant - it was a one man band company so we obviously dealt with the guy in question. However the claim is spurious at best and while we can fully defend it, a strike out or similar based on the above would be a lot more straightforward. Lawyers are trying to say it's impossible to know if any of the above will help, and basically it will cost several 000 to work it out. This is money I can't afford to waste though would be delighted to pay a solicitor something on that order if they can kill this off straightforwardly for us. Since filing the statute of limitations has passed so it cannot be refiled. Appreciate any advice, Thank you.

hi am new here and like some advice please right on the 5,3,2014 i sold a item on ebay for £800 pack it ship it off they payed in full and for logistics to pick up they said they received the item on the 7,3,2014 i the got a email saying We received the floor scrubber this morning. Our qualified electrical engineer has assembled it as per the instruction manual.(didn't send one with it) The machine is badly smoking and has an electrical fault. Please could you explain what is happening as in the description on Ebay is states the machine is in working order. a)sorry to hear this, the karcher was in full working order when i sent it out as i tested it i would not sell if it wasn't in full working order. The machine was recently serviced so could you please send me a report from the engineer so we can resolve this. what type of floor was the was the machine being used on? after a couple of email back and forth i get email say this note the Engineer came out on the 10/3/2014 three days after the bayer told us that there qualified electrical engineer has assembled it The brushes are not rotating and there is an electrical fault with the motor. Please find attached the report from the Service Engineer from Hines Services who we had to call out today to get a full report from. I would like a full refund on this plus the cost of carriage and the call out charge for the engineer today (£60) so to cut a long story short she open a case on ebay ebay the goes i favor of bayer but ebay ask for tracker the bayer does not give one so the ebay goes in my favor i win the case and don't have to refund the bayer..... the next thing is that my step daughters boyfriend who lives with use gets a county court letter address to him from the bay making a claim against him for selling this item on ebay he has never had a ebay account when it was me what can i do about it kind regards lee

Hi everyone, My Father in law very recently got a PCN for parking in a suspended bay. To put it in a nutshell, the council had suspended 6/7 pay and display bays along a stretch of road in South Croydon, for the use of "contractors" working on some pavement improvements on the opposite side of the road. There were signs up which were in my opinion deliberately confusing, as they stated hours between 8am and 5pm, but didn't make it particularly clear that this was a continuous suspension between two dates over three months. Signs were up, but poorly displayed, twisted around or back from the road on shopfronts etc. My Father in law is 86, and pretty with it on the whole, but has a disabled wife who was with him, and he displayed the blue badge as he always does. To cut to the chase.... the PCN says Green...... the Logbook V5 says Blue! no two ways about it! Where do we stand? has the misidentification anulled it? Or will that not stand?

I ordered a car cleaning product from Amazon at £13 and I received the wrong item what wasn't the same and was cheaper. After getting in touch with Amazon the company who sent the item told me to send a photo of the product I received to them and after sending them the photo they sent me out the right product what I ordered. Now Amazon has sent me a returns label. My question is what would happen if I don't send the wrong item back to them what they sent me ? They did send me a returns label but after all it was there fault for sending the right item the first time so I want to know where I stand with this ? Thank you

I had a default on my file which should have dropped off 10 days ago, CallCredit and Experian removed it within 24 hours but Equifax are still showing!? I've raised a dispute and complained on the phone twice but I just get the usually script read to me. How long do they usually take to update!?

Hi, I'd be grateful for any help on this issue. I bought a new car on a ballon payment finance scheme. By the time it came to pay the balloon payment of £8K I was out of work due to health issues and for about 18 months the solicitors acting for the finance company accepted informal repayments. Finally they applied for a suspended CCJ (to give their client some protection they said) with repayments by me at the rate of £300 cpm. I did not contest the CCJ as I saw it as reasonable in the circumstances. The CCJ was granted about a year ago and I have managed to keep the payments up. Recently, I discovered that the sum claimed by the solicitors on behalf of their client had in fact been £1,600 lower than it should have been, due to an error on the part of the solicitors. They are now pressing me for payment of the additional £1,800, just as I thought I was getting out of the woods. They are threatening further legal action. What can I / should I do? All help greatly appreciated.

Hi Guys. Hope you can help. On 22/02/2014 I parked in the entrance to a private car park whilst i went inside the building to get the key to open the gate. By the time i came out i had received a parking ticket. The ticket reads: 27 Parked in a special enforcement area adjacent to a dropped footway. Location: New Southgate. At the time i had parked in the entrance of the car park, my car was parked at an angle so not to obstruct the road, and enough room was left around the Vehicle for pedestrians to cross safely away from the road it self. (Between the car and the gate). Also my Hazard lights where on and i was away from my vehicle for approximately 5 mins or less. When looking at google maps the road shows as Goit Side. Although the ticket location stated New Southgate. What can i argue on this ticket? Thanks. in advance

Home base have done me wrong! I'm here because I've never had an issue to really complain before. I had paint mixed to the colors I wanted in satinwood but even though it says satinwood on the tins it's matt. All my hours of rubbing down the chairs ruined, also they've been freshly woven with fabrics so to repaint is impossible but it's all peeling off. Also my kitchen cupboards are ruined and peeling. I am an amateur so thought I'd done something wrong but as I'd sanded and sugar soaped everything when a friend who paints visited and I asked them why the peeling was happening they got a cloth and WIPED the paint off the door they told me it was matt. How do I go about getting compensation from such a big place? Will I have to take them to court. Please help, I can't afford to reweave chairs let alone can't face rubbing and now stripping everything

We bought a 3 piece suite from CSL last year, ordered in May, delivered in August. Through a fluke we recently discovered we haven't actually got the suite we had ordered. What was delivered is a similar suite, same colour, roughly the same size, but different name, and £795 cheaper than what we ordered. We are still paying for the suite we initially ordered. CSL (now Sofaworks) have offered to pay us the £795 difference or we can re-order the suite we asked for in the first place. We have been back to the show room to check out the suite we originally ordered and have decided we still want what we ordered as it's nicer. CSL are saying that because we have had our suite now for 6 months we must pay them £500 as a usage fee. We don't have small children, we don't have pets, we don't smoke and we don't sit on the suite eating our dinner. Effectively the suite is still in 'as new' condition. I feel aggrieved that I should have to pay CSL a £500 usage fee, for a delivery error which was fundamentally their fault, but which we have only just discovered. If anything we feel we should be compensated as for the last 6 months we've been paying for a suite we didn't order. Can anyone advise me where I stand here? Am I obliged to pay CSL for their error? Any help or advice is greatly appreciated. Kind regards, Andy

My 8 year old son, was looked into for ADHD ad ADD, but was discharged on both and sent for speech help, and has hyper mobile in hands, He gets one to one help with work, as his organising skills are not best and the work is hard for him, he is behind on all levels. I had a meeting with head teacher over his work as there were days he didn't bring in his book bag, so days homework were not due in, but now told to bring in all time so does. The last day of term in february, he was off sick due to a voimting bug going around, so was not able to bring home book bag. when he returned after half term, he mentioned to his teacher that his book bag was in school and that he needed it. On the wednesday i got a call to go in and speak to the head, who told me he had to tell my son off and give him dentention over the book bag, i thought it was my younger son and explained he left his in car and i bought it in later that afternoon, but was then told oh no it my eldest lad, so i explained to him it was in school and that no teacher had handed it to him and to apologise to my son. end of day son comes out crying in floods screaming, i ran to him in fear, and was told that the head and another teacher had screamed at him calling in a liar, and then said to him oh you have a younger brother don't you, when he responded yes and gave his name and year over, they said well we going to look at your little brother as well as we think your mum is lazy! while gritting my teeth and cuddling my very emotional child back to the car, i returned to the school and had a word with the head who told me it was all my sons fault. My children were late in for 1s time in a long time, due to my 4 year old have global development delay and physical disability with all over hyper mobile, we did a ride a bike to school thing and trying to get my 4 year old there was not easy, i explained to the head what had happened and why, he was ok with this as we have CAF meeting over my 4 year old at the school for when he starts. Today my son came and said mum, what do i tell the teacher when they ask how my home life is? i asked what does he mean, and he said well they always ask me whats going on at home, he tells them nothing and that everything ok, but was then asked why we don't go out on weekends, he told them daddy works weekends and has the car, and we have not way of getting his 4 year old brother out without the car, as he can not walk a distance, they didn't believe him and again made him cry. when my son started he was ok then in year 3 he started chewing his sleeves, and i was informed then he had one to one with this teacher, then the teacher went on maternity and he didn't chew, now she back and teaching him again he chewing. im at a loss what to do, I'm viewing other schools to get them out, as he constantly being told off for not meeting there targets for the government needs on sats etc. He is always in tears of he can't finish his homework so I've resorted to doing it for him, so he writes it and i tell him the answers he can't get them. Ive spoke to my other childs teacher who explained my son above average and that there is no need to worry, I'm also concerned over my 4 year stating if he like this with my 8 year old i worry about my youngest he can't handle being shouted at, as it will make him hide in a shell and won't come round unless I'm there and can't go toilet and I've already been informed that a big no! I'm moving them but would still like them to be invistaged over this but how so sorry for all the spelling mistakes I'm typing angry and i shouldn't

Hi everyone, I have to attend a disciplinary hearing at my employers, they rushed out the letters to say that I had been suspended, (letter one) and that I had to attend a disciplinary hearing (letter 2) letter 2 states that the disciplinary hearing will be on 06/02/14, that's right 06/02/14, I presume they mean 06/03/14, shall I ring them and point out their mistake? both the letters were typed on the same day but came in separate envelopes in an attempt to conceal that letter one had been sent first, however the post mark (registered mail) on both are the same. I was suspended on the 18th, date on the letter states it was typed on the 20th, posted on the 22nd. Any comments would be appreciated.

,i recently recived a balliffs letter saying they had visited my old address chasing up a parking fine, for this visit they seem to be charging around 200 pounds plus another hundred,i had alerted the dvla of my move, so im wondering if im obliged to pay for their visit to my old address,as this fine is 6months old and they visited my old address this month,they are now applying for a warrent of execution for my current address how long does this process take ? and can i fight the charge for the visit to wrong address, im very poor and could really do without paying bone heads money for nothing thanks for any help in advance

If anyone has experience of this I would love your thoughts. I received a ECN from Excel Parking with a mistake in the car reg. I have ignored the first Notice to Owner to pay (I don't know how they found me with the wrong reg number written down). I now have a 'copy' of a court summons for a Magistrates' court (it's a photocopy or a scan or something and looks suspiciously similar to the other correspondence I've had from Excel, rather than from a court). How should I proceed? Do i have a case due to their mistake on the original ticket?

We are private tenants. Our itinerary is missing a room, which is suffering from damp. The agent has stated that the itinerary company "must have missed it". We know the previous tenant moved out because of the damp issue and find it hard to believe that it is a coincidence that the room with is not on the itinerary. Is the itinerary valid if a glaring error is in it?

I wonder if someone can give me some advice. In November last year I lost my job, I had managed, up to that point to keep my head above water to a certain extent. Now I am on JSA of £71.40 a week and I can no longer keep afloat. I contacted Stepchange who told me to contact M&S and get a copy of the T&C's and also the CCA agreement as I took this out in store with one of their reps in 2006. I rang M&S and they said it would be sent out, it was not. In December I rang again and asked for the documents. Still nothing. This morning I received a default notice and I rang M&S they said they are sending it out but that my account is now seriously in default. I told them that I had repeatedly requested the CCA previously. They have said it will be with me in the next seven days. Stepchange have sent me a pack out for sending out letters offering to pay £1.00 as that is logically all I can afford to pay. This i am in the process of doing. The total value of the M&S debt is in excess of £10k because this is a prior agreement taken out before 2007 and M&S have stated to me that there was no updated agreement, how enforecable is this debt exactly? I have had a look at some of the htreads on here and I see that some of you have really been through a massive wringer with them challenging the legal veracity of these debts, but has anybody actually come out of this the other side and that has been the end of it i.e have they concluded that the debt is not valid and walked away writing the debt off? Maybe I am in lala land with this regard I don't know. My debt was not clocked up by riduculous spending but by legal fees. I had a boundary dispute on at my home which ended up costing me well in excess of £35k. The solicitors needed paying and although in the past I was really careful with this card, I turned to using this card to pay the legal debts and it just flipping well spiralled. I won my boundary dispute but now I have another problem and that is they are now causing me sleepless nights worrying over this damn debt. My home is up for sale and I will probably end up renting for a bit to be honest. In reality though I just hope I can find a way out of this mire!! Thanks in advance

Hoping someone can help me. In December I received 2 parking tickets for the same contravention on different dates (being parked with 1 or more wheels on any part of the urban road other than the carriageway (footpath parking) Really angry as I had to park in that spot due to carrying out a job (kitchen and extension) and have heavy tools/materials to carry to and from. Within 30 minutes of being on the job I get distracted by beeping outside. When I go outside there is a bus there trying to get through and tells me 'to move my f**king van' (charming) There is a bus route down the same road that comes every 20 minutes so decided to park slightly tucked in with my wheels just on the kerbstone to avoid this happening again. On the 28th December I receive 2 PCN's (lovely Christmas present!) But......... When looking closely at the PCN I noticed that they have stated; Date Issued Posted; 24/12/2013 Date of Service; 26/12/2013 Further into the letter it also states; Please note the Date of Serviced has been calculated for you being 2 working days after the date of posting, as sent by 1st class post unless you can prove otherwise. Now correct me if I'm wrong but I am certain that Christmas Day (25/12/2013) and Boxing Day (26/12/2013) are not classed as working days?? Therefore do I have a chance to appeal on the fact they haven't actually calculated it correctly?? Any help would be great!!

Hi members, I'm a muslim and I'm working in European Retail super market for more than two years. If I guide muslim customers about halal food, then do I do something wrong? Today one muslim man bought some food item, which was not halal, i told him that the food item, what you have bought is not halal. Then he asked me to do refund that food-item. I did refund. But my supervisor did my complaint to my manager and my manager got very angry on me and spoke with me very harshly. He was just about to kick me out of my job. I just want to know that 1) did I do anything wrong? 2) Is this valid reason to terminate my job? 3) I felt that now they will deal me in different way, and they will try their best to get rid of me? what I should suppose to do in this situation? I will be thankful to you guy, if you will share your knowledge with me. Looking forward for replies. thanks

Hi Everyone, I submitted a CCA request to ARC Europe back in May 2012 and didn't hear back from them until now. They have submitted reconstituted agreements, but the details are wrong (address on one document but not the other). How do I best respond without giving them the opportunity to simply copy and paste the right address and resubmit? Also, am I right in thinking the agreement should state the credit limit i was given at the time? Because this is generic and contains nothing apart from my name, an address and an [x] for where my signature would be. Any advice or pointers to other threads gratefully received. Thank you

I have been caught speeding doing 83mph in a 50mph. The ticket stated that I was speeding at 4am, to which I wasn't on the road at that time. It was actually 8am. I have now been summoned to court. Should I plead guilty or not guilty? Can I win this case? Thanks

Hi, i recieved a letter from Collectica marked "Distress Warrant" for a speeding offence. However the person who committed the offence was the previous owner of this house. I contacted Collectica to tell them the person no longer lives here but they have asked me to "prove that" otherwise they will continue with sending Baliffs. They asked me to send them a copy of my Council Tax bill to prove who I am and that I live here. First question - am I obliged to respond to this? I see no reason why I have to prove to a Debt Collection Agency who I am and that I am the owner of the house. It should be up to them to prove I am not. Second quesiton - Can they, without warning, send Baliffs round to force entry into my house? They have been informed that the offender no longer owns the house but they refuse to accept that. I am scared they turn up and break in while I am out. Thanks for advice.

Earlier this year I changed gas provider, I switched from British Gas to Npower. British gas arranged for my meter to be read on the day I changed provider. A few days later I received a huge £300 final Bill (I barely use £30 a month). After comparing the meter reading on the bill and that of my meter, they are completley different. I called British Gas and they refused to discuss the matter as a meter reading had been taken by a qualified meter reader. They just kept trying to get me to set up a payment plan. I called Npower who wouldn't help either. I wrote to british gas explaining everything and got the same response as the telephone call. I then started getting letters and calls from Moorcroft, we have exchanged a few letters with no joy. My final letter to moorcroft included photos of my meter clearly showing the reading, to this day my meter hasn't made it up to the reading British Gas applied to my account. I also requested £50 compensation for my time, costs and stress involved in trying to prove they are wrong. I recived a letter appologising and stating they were handing back the account to their client. Now today the letters have started coming from Collect Direct (UK) I really want to sort this out but none of this is my fault, I have supplied British gas with the meter reading I supplied to Npower and from which Npower have been billing me from. I told british gas to supply a new invoice upto that reading and I will pay it but they will not reply to my letters. Is there any advice on my options?