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  1. Hi I'm new to the forum, looking for some advice on putting in a complaint about a solicitor. Essentially the issue lie around them repeatedly misunderstanding instructions and failing to pass on information that has a detrimental effect on children and myself. I was in an abusive relationship with ex partner. we split late last year (2015). He was extremely manipulating and would always be gaslighting situations. Now although we have split up, he still continues with this kind of behaviour, and it centres around access with the children. his solicitor keeps forgetting to pass on information or takes responsibility so as not to bring her clients behaviour into question when it comes to attending court. unfortunately though, the most recent event is one of many, and surely a solicitor shouldn't be making so many mistakes or misunderstandings. Between the solicitor and the ex, they have both caused significant upset to children and then to me. When I try to defend the children or myself, its all just brushed aside and put down to me overthinking a situation. I want to put in a complaint, because somewhere along the line someone is lying and these lies are detrimental in the court case. has anyone ever done this, or have any experience in putting forward a complaint about a lawyer who isn't acting for them specifically. thanks Shelly
  2. HI Hopefully someone can help me, i really don't know what to do next. i admit a few years ago i ran into a few problems and didn't keep up to date with outstanding credit accounts, the old bury my head in the sand. I have being trying to get things in order and recently got my clear score credit report, to my shock i had a CCJ for an outstanding overdraft which was being chased by Lowell. As far as i remember i had a £1400 overdraft which i left unpaid. That was in 2009. i moved house in 2011 and never heard any more about it, although i have had other lowell communications over the last few years . I contacted lowell to ask for details and they informed me the CCJ was taken out in 2012 although the credit report says 2014. They informed me i have arrears on the agreement of £1000 and must start paying £50 per month right away or they would take further action. My main question is do i have any rights to have this set aside , Lowell have obviously had my latest addresses over the the last few years why is the first I've heard about it when i got a credit report. And also the overdraft was £1400 but the debt they are claiming i owe is £2605, is there any way i can challenge this?
  3. Hi, on the 13th August I was referred to Ingeus by my JSA Advisor and told to expect a call off them. On the 15th August I had a severe epileptic seizure caused by stress and was given a sicknote for 12 weeks by my doctor. He thinks, due to me being severely depressed and prone to more seizures, that I should be on ESA. I closed my claim for JSA on the 17th and opened my claim for ESA on the same day. Later that day I had a letter from Ingeus telling me to attend on the 27th. There were no mentions of sanctions or anything like that, but it caused me to become very agitated. I called the number on the letter (their general enquiry number I think) and the man, without asking for any details, told me I still had to attend. Is this correct? My JSA claim is now closed and my ESA claim is being processed. I've never met nor spoken to Ingeus before, so do I still need to go? I'm very ill at the moment and this might make me worse I fear. Obviously in 13 weeks if they put me in WRAG, that's a different situation but right now I am very ill. Any info on this would be very very appreciated!
  4. 1) My 'Actions for getting employment" doesn't stipulate a number of jobs to apply for per week (which is odd, when I claimed before I had to apply for 2). Obviously I don't want to display every single job I apply for (which would risk creating a baseline figure), but what is the minimum number that an Advisor needs to see in order to sanction me (for insufficient applications)? 2) They also included 'log into my UJM account daily' - I have NOT ticked the box that allows the DWP to view the jobs I've applied for, BUT can they still see how often I've logged in? Ta
  5. The Advertising Standards Agency have today upheld a complaint about DFS regarding their pricing policies. As many people know, DFS seem to have a 12 month 'event' of some sort or other. They even call it a sale sometimes. Once of the relevant pieces of the complaint was. and This goes to show that DFS (IMO) are misleading its customers. The full ruling is here http://tinyurl.com/zjp77al
  6. I was the director of a company that had a trade account with screwfix. When the account was opened it was opened in the ltd companies name and I was never told about an directors guarentee. The application form that I signed had been photocopied that many times most of the writing on it was illegible.. Stupidly I signed it and opened the account. A couple of years later the company got into financial difficulties, became insolvent and folded. I soon received word from screwfix`s solicitors that I had signed a directors guarantee and was personally liable for the company debts to screwfix. I got a copy of the original agreement and it is totally illegible.. You can barely read any text on the agreement out it is that bad. Ive to go to court next month as I`ve contested the claim as I was unaware I was signing such a guarantee and am unsure if they can enforce this as what Ive signed is unreadable. Does anyone know if this can be enforced if its illegible and I wasn`t informed I was signing such guarantee ?? I will photograph the agreement and attach it to my next post. Thanks in advance for any advice on this issue
  7. Hi Everyone , i was hoping for some advice , after looking through documentation it seems i was REALLY naive when i took out the credit for my car , i had finance on 10.12.2014 for a renault megane 2007 1.9 DCI To cut it short they charged me £2,350 for the car and the loan amount by credit for cars was £5500 !! i was paying £150 a month , ive paid £2,300 off it , but with all the numerous problems ive had to pay for with the car from the start i stopped paying last month last payment i made was on 17th june and i had to pay via "shopper@worldpay.com a Guy from avelo emailed me 10th june saying i needed to contact them urgently to discuss arrears (he was a negotiations case handler) i gave him a email back and told them when id make a payment he replied saying "sorry our systems have not been updated and could i ask how you will be making a payment ? and can we have your current phone number" i didnt give him my number but id updated them with my new address and he replied back "thank you ive updated our systems and "are you willing to continue paying £175 per month starting from next month?" i never replied then today i had a different person who was "Trainee Case Handler" asking me to contact the office to discuss arrears (the same like before) The reason i am not making payments is because i cannot afford to , the advice im looking for is Can they take the car away from me ? (on the documents i signed it stated that they could not take the goods if payments totalling £1997 have been made then they may not take the goods back against my wishes unless we get a court order) this is the Credit4Cars agreement i signed 2 years ago , also i have noticed that they charged me £375 for a "Stronghold Protector payment assurance system" they said they can disable my car with it as they reckon a device has been attached , the reason why i say they reckon because when i was late with a payment with C4C they threatened me they were going to disable it , i was not in a good way then and snapped back and replied "be my guest as i dont care" (they did this 3 times to me but never disabled it and also when i asked a mechanic to look for it he said he couldnt see anything , when i chose the car the people at trade center where i bought the car said because i have a tracking device my insurance would go down now when i queried with them what make it was for my insurance they would not tell me so i was paying a LOT more than i should have for my insurance , sorry to have gone on and on its just that the cars wheel bearing has gone and it will cost me £200 tomorrow and if they are going to take back the vehicle then i wont get it fixed , thanks for your time any advice appreciated
  8. I wonder if any one can help me. I have a serious complaint again DIY store, Wickes. I won't bore you with the entire story, but in summary (and the spiel below is not even the half of it)... We made an order from Wickes in May for about £500 worth of sand, ballast and other building products, as we were laying a patio. We made the booking online with Wickes on the Wednesday for the following Saturday. As we had had problems with Wickes deliveries previously - a driver getting stuck on our driveway (we have a long driveway) due to his error - and we were hiring two friends, who worked as labourers for the weekend at a cost of about £500 to lay the patio, we wanted to make sure that the products would turn up. We phoned Wickes on the Wednesday who assured us that delivery would be made in a 3 hour slot on the Saturday. Come the Saturday, we received a call midway through when delivery was due from the driver, saying that he was refusing to deliver, due to him previously getting stuck - he hadn't even attempted to make delivery. To cut a long story short, he and his manager were adamant that he wouldn't deliver on health and safety grounds, despite the fact we had been assured that delivery would be made. They could not answer why we were not told this before (the order was made 4 days previously), why we were assured verbally the delivery would be made, why a more competent driver or different vehicle could have been used, or why other Wickes drivers had made identicial deliveries previousaly without problem. We even said that the driver could drop the items at the end of our driveway (i.e. next to the road) and we could transport them ourselves using the excavator we had hired, but they wouldn't even entertain this. So, the delivery was cancelled by Wickes, our patio wasn't laid and we still had to shell out for the excavator and labour hire. Our complaint was compounded by the fact that it took two further calls for Wickes to actually cancel the order and refund our monies. We were informed that Wickes had a dedicated complaints team and we should make a complaint to them, which we did. The result was after various communications, Wickes' method of dealing with complaints is that the dedicated complaints team just gets the store responsible for the delivery to deal with the complaint (which is hardly indpendant). Unsurprsinsingly, they did not uphold our complaint, and as well as ignoring many of the questions and complaints I raised, they also lied to me in their response by stating facts that simply weren't true. Despite my efforts, any response from Wickes' complaints' team was a regurgitation of the same party line that was provided to them by the store (i.e. those complained of) - this was all to apparent as the fonts in the emailed response from the complaints team differed, so it is quite clear that they topped and tailed their response and just copy and pasted the crux of the response, presumably from the manager of the store responsible for the delivery. I emailed Wickes two weeks ago to raise further points, and they have simply just decided to ignore my compaint now and not respond at all. Has any one got any ideas how I can take this further? Are there any Trade or Consumer Bodies that I could contact? By the way, I sent a letter to the CEO's office too, and that was also completely ignored, despite being recorded as delivered. I would like some sort of compensation for what has happened, but more than anything, I want to expose Wickes' terrible customer service, and sham of a complaints scheme, that culminates in those complained of simply responsding to complaints and lying and ignoring questions in the process. Thanks in advance.
  9. Hi On Saturday morning we paid a cheque into Natwest, it was a PPI Refund, I was wondering why it is not showing up? It was paid into our account and were were told it would be cleared this week, surely it should be showing as paid in? We were given a receipt and I have the letter to prove we were given the cheque , thing is I can not find the receipt but was definitely given one. Any idea why it is not showing as paid in?, even on the balance and the actual amount nothing shows up Thanks in advance Sandy
  10. http://www.independent.co.uk/news/business/what-the-middle-class-doesnt-understand-about-rich-people-a7158851.html Well now you know, the Wealthy/Rich people are misunderstood ! However, there are some interesting points in the article - not least of which - being wealthy gives you freedom.
  11. Hi I have downloaded the compound interest and simple interest XLS files for working out a PPI claim. I have all my GM card bills from 1994 to 2004 when I paid it off and stopped using it. When I enter the PPI premiums and interest in the the compound interest file it comes out to an awful lot of money as it works out the interest up until today. Is this correct? And do i also claim simple interest on top of that? I don't expect to get it all but I would like to be accurate in what I ask for. reading the forums I seem to have two options the FOS route or small claims. Is this correct?
  12. Edit, sorry, I was changing the title and hit enter by accident, the title should read. No contact ffom loan company about deceased parents secured load. --------- Hi, I'm hoping someone can offer some for of advice. My mother passed away in 2012, she had a secured loan on the house, not huge, it ws 7k and at the time she passed there was 3.6k remaining. Being disabled she didn't have a massive income and her insurance policy covered her funeral and that was it, she has £70 in her bank account and no other money or assets besides the house. The loan company (Santander) were great, said we needed to take the details of probate in and everything would be on hold until then. Her will was written when I was a child so I was the benificiary but not the executor. Everything had to be done through her sister. It took a while to get probate sorted as the solicitors who had the 'official' copy of her will had closed and neglected to send their documents to wherever they're supposed to have sent them when they closed (Sorry, can't remember exact terms), we had to try and track down her will and when we couldn't we had to apply for a signed letter from some place (again, sorry I cant remember exact terms) that allowed us to go and sort probate, that took a while and it was fnally sorted around a year ago. myself and my aunty took all the needed documents to santander who took copies of everything and said they'd be in touch shortly, I distinctly remember the woman saying it is usually a quick process. They kept calling the secured loan a mortgage, are these two the same thing? It's now been a year and I've heard absolutely nothing from them. Neither has my aunty (We aren't sure if they'll contact me now probate has gone through because I'm the benificiary or contact her because she is the executor). Nothing besides the monthly ststements which has in big bold writing at the top 'This is for information only'. I know it sounds stupid and anyone reading will think why have you not called them, a few reasons really, I'm terrified for one, I've lived in this house my entire life, I have nowhere else to go, the house is in a terrible area and needs a lot of work, it's not worth enough for me to sell and buy elsewhere. And secondly my own health hasn't been great, mental health that is, I've suffered from severe depression and extreme anxiety includig time spent in hospital due to attempted suicide. I'm currently unemployed and am terrified if I call they'll say they want all the money or they want massive monthly payments that I can't afford and i'll basically end up losing the house. I've no idea what to do, do I call and see whats taking so long and why? Or just leave it and wait for them to contact me however long that takes?
  13. July7th 2016 Back in April 2011, I issued through Bailiff Studies Centre a discussion document (number three in the series) entitled "Do we need an enforcement services ombudsman?" The query was met with enthusiasm from some and wariness by others. Since then, of course, matters have moved on considerably. At the time of writing it still appeared likely that the Security Industry Authority would have some regulatory role in the sector and that the introduction of the reformed regime of bailiff law would lead to a considerable strengthening of the procedures for licencing and monitoring individual agents. None of that happened. The SIA dropped out of the picture and the rejigged certification process brought in to the Civil Procedure Rules in 2014 is very far from comprehensive or robust. We were promised thorough training for county court district judges; there is little evidence of this. A recent issue of Bailiff Studies Bulletin highlighted some of the problems with the qualifications upon which certificates are issued and there is, of course, no regulation of agencies, only individual agents- a bizarre result in the early 21st century. We still lack any sector overview and any industry wide maintenance of standards or best practice. It seems to me that there is still a very strong argument for some for of regulator (the commercial body Ombudsman Services were interested in the function five years ago). I would propose, too, that this regulation is not limited to enforcement agents and agencies. I suggest that there would be a useful function for all parties (not just debtors) for those offering advice on bailiff law also to be regulated. With the proliferation of web based advice and consumer forums, I believe that there may be a role in setting and maintaining standards wherever consumers are asked to pay for advice on dealing with debt enforcement. John Kruse debt & money trainer & consultant, author
  14. Dear Sir/Madam, I am writing to you with regards to seeking some guidance and support. Initially to deal with my missold PPI, I got in touch with a company called Claims Guys. I was not sure how they operated. During the initial process, I found out through one of the bank advisers that I could phone Natwest through their free available phone number on 0800 015 0319 and they would deal with it quickly, which did. I was awarded two separate payments via cheques Claims Guys kept annoying by phoning, texting and writing to me stating that they should take the credit and I should pay them for their work they did nothing and when they called me and I explained to them, they denied it and threatened me with the court procedures. Today, I have received a court letter asking me to settle the claim of £1170. This has caused me a lot of stress. Please advise me what to do about this. Many thanks and looking froward to hearing from you.
  15. Hi, My OH has been informed that for 11 months now she has been overpaid via her work, coming to about £1200. She has been working extra days to pay back the overpayment but was wondering what happens to the extra Tax that she paid on this amount, and if she can claim it back how she goes about doing this? Thanks JJ
  16. On form N244 there is a question (4) which asks "Have you attached a draft of the order you are applying for?" What is a draft order? Question 3 asks "What orders are you asking the court to make and why?" and I have written that I want the default judgement set aside and given the reasons I think it should be set aside. Does question 4 relate to this? Is it just a more in depth expansion of this or is it something completely different? I have searched on the internet and found conflicting answers to this. Some legal websites I have read say a draft order should be attached while others (e.g. NationalDebtline) say tick NO and leave it to the court to fill in. None of the websites actually explain what the draft order is though. I would greatly appreciate it if anyone can help. Thanks!
  17. Hi My gf has some debts, and she is thinking of trying the same thing. One of the debts has put a ccj in place on the house value, and the creditor is listed as solicitor so anything we can do there? i thought id ask just to be sure thanks
  18. Hi, Back in December of last year i received a Contractual Breach Charge (fancy name for parking ticket/fine) in a FREE hospital car park, £100 or £60 if paid within 2 weeks) The conditions of the car park is that you get a permit to put in windscreen, the first day that was fine, i collected it from reception and that was that, the second day i visited was the Sunday, reception was closed, no sign to say where to get permit from, just signs that say you needed one. I went in (couldn't ask a member of staff what to do for a couple of reasons) went out and bam.. ticket on car. The next day i went to the hospital i asked lady at reception and she said, you are meant to collect permits from the building next door when reception is closed. I appealed the ticket.. refused as expected. I then appealed to POPLA and that was also rejected. Them saying that regardless of the circumstances that i gave for not having a permit, the fact i parked there i entered the contract and so they have to refuse the appeal, they also stated that on the car park sign that stated you needed a permit (but not where to get it from) there is a helpline i should have rung.. That is all well and good but the helpline was closed at the time i parked. Aswell as all this i was also suffering badly from mental illness so wasn't completely thinking straight anyway. A couple of weeks ago i got a letter from Debt Recovery Plus Ltd saying that the debt is now £160 and that failure to pay will result in another letter and an increase in the fine cost. I just tried to ring to ask if a freeze could be put on the fine for a couple of reasons, including that i don't currently work as am off work sick with mental health issues and the bloke on phone had a go at me, said i shouldn't have parked there or i should have just paid the initial fine. Which has left me crying and shaking, I don't feel i should pay this fine as i feel it is extremely unfair but i am scared witless about the fine getting bigger and having people turn up at my mums house to collect the fine. But i also don't have the money to pay it. Does anyone know for a FACT what will or can happen and what i should do please as i am desperate
  19. Hi guys! I received a letter today from Redwood with demand for an outstanding invoice. The problem is that the invoice was in respect of copy writing and web design, which I did not use due to unsatisfactory quality. The coding was wrong, the wording was wrong, everything. After numerous emails, I've decided to cut my loses and instructed another professional to do the job. This time everything was okay, I have a new website now and settled the bill with service provider. I have all correspondence and proof that I did pay for the web development to another person. The website is up and running and the one was "designed" is nowhere to be seen. What is a correct way to go about it? Should I write to Redwoods with explanations? Or ignore them? I never even received a reminder or any other email, after I told the person that I am not accepting his work and going to hire someone else. In his last email to me, he agreed that he did not do a good job, especially as far as a web design is concerned, but said he wants to be paid for copy writing. Here is from his email: I had another look at your site yesterday, and I now agree that it is clearly not up to standard. As you’ve surmised, I’m not a web designer. I specialise in content and programming. I when you said you wanted more than my free site, I thought I could manage it. I deliberated over advising you to contact a professional designer for this. I’ve now decided to work in conjunction with a designer for future projects. Hence, I’ve removed the design costs from my invoice. The copy is a different story. I did everything you asked for. As a writing tutor, published author of literary fiction a nd first class degree holder in creative writing, you won’t find anyone with higher standards of English anywhere. Sure, you could find a better copywriter, but you’d have to pay at least four times as much. I’m therefore asking you one more time to either pay the attached invoice for the copy or work with me on modifications at no additional cost. But I did not use his texts, as his writing was nothing I instructed him to do.
  20. Hello there I have not put anything on here before but my daughter has and so she has introduced me to this. I am in a pickle and feeling the stress and at almost 70 I could do without it. I was a guarantor for my son for a loan a while back and he got into a terrible mess and tried his hardest to pay the huge monthly payment but had gotten behind with repayments along with a mountain of debt form elsewhere. Now me myself, I too am in a lot of debt and it is worrying me to the point I am awake at night just about my own mess. I own my home but there is a lifetime motgage on it as I released the equity in it a while ago. Does this mean I can't be forced to sell it? I am so worried about losing my home. Today I received a letter saying that if I don't pay the arrears of 900 pounds within 2 weeks, they will take court action against me and send the bailiffs. I can't pay 900 pounds but I am willing to pay something each month, as is my son. My question is, if this goes to court what happens? Will the bailiffs come to my house or try to make me bankrupt? I am worried sick over this thank you.
  21. It's just a cash gift to me as he's "splashing the cash" after the sale of his deceased parents' house, but I don't know if I should declare it to the DWP, because they might then decide I don't need the ESA or HB at all and just use that money instead for a couple of months. I wouldn't put it past them, frankly. What should I do?
  22. hi i was wondering if anyone could please help with some advice we had to move home about 5 weeks ago due to the wifes sister having cancer and we being out of work but actively seeking work the new house is a bit more costs to run and with cuts in our own money we sort of fell into a black hole with our payments to brighthouse when we got a letter a couple of weeks ago we had make choice that way things have been recently we had no option but to call the store n ask if could return the items we had but could i hell get the guy behind the counter to understand we were really at the end of the barrel sorta thing but kept offering to get us go in and redo the contracts with cheaper items but when asked if could return em he said it does not work like that we had 4 contracts with the for the sofa - kids tv and washer somehow the idea was if im falling so far behind to send em back get outta debt with em n replace what we had we borrowed money to replace kids tv and saving for sofa those easiest to go as only had those for 6 months would have been hardest for the washer though as got that in june 2014 so thats over half paid for after 2 weeks of not wanting rewrites of contracts they not been back in touch since but yet the bill gonna be building up i know its not the most ideal situation but due to the wifes sisters cancer and running back n forth to hospital appointments for chemo n specialists just alot has taken its toll lately and really dont know weher been comming or going at times
  23. Hi, My business partner and I are going to be registering our company very soon. I know that somewhere into the process, we're going to need to open a business bank account and designate that as our main account for the business. About 3 years ago, I opened a business account and had a business loan that was connected with that account when I opened it (by Lloyds TSB). This company was as a sole trader and wasn't a registered company. I had some payment issues and the business account was eventually closed, as I'd missed some loan repayments/late payments, etc. Ultimately, the loan was sold on by Lloyds and I've been paying it back ever since. I didn't go bankrupt or anything like that, and the loan wasn't a large sum of money. But I lost the business bank account in the process. I've been paying off the loan ever since through a debt consolidation company and all is fine in that regard. I was wondering if I'm likely to experience issues when opening a business bank account now? I'd use a different bank and I wouldn't be looking to get a loan or anything like that. It would purely be myself and my business partner using it as our official business bank account. Any help on this would be much appreciated,
  24. I am currently on ESA SG and in the middle of being reassessed. I am as always worried about losing my ESA. I am also due to be moving in with my partner in a few months and as they earn over the threshold I will lose all money anyway but at least if I am on ESA my stamp will get paid so I will still qualify for my pension in future. If I lose my ESA it won't change the fact that I am currently unable to work but I won't get my NIC paid. I s there anything I can do to get round this issue? Could I for example become self employed and just pay my stamp myself it it wouldn't be too much money each month. My plan is to become self employed anyway but I think it will be sometime before I can make an income. My partners salary also takes us over the threshold for anything like tax credits so I won't be applying for anything like that. My partner knows the situation and is happy to support me financially, the main issue for me is to still keep my national insurance contributions up without being hassled by the job center or work programme.
  25. Hi there, My dad runs a property refurbishment company and recently a long term client of his asked if my dad under his company will manage his properties as he is planning on going away for a year or more. The client specified that he dont want to fly back and forth to sign tenancy agreements etc and would prefer not to have his name on the paperwork between tenants (didn't ask why) and would rather my dad under a "department" of the company classed as a property management side manage everything for him. This is probably a very simple question for many, but first time for us. If his client authorizes my dads company to manage everything for him, including signing the tenancy agreements is it ok to do this legally or will a party somewhere down the line want to know who the landlord / owner of the property is? then leave my dad in a difficult position whether to give out his clients details.... Thank you!
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