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  1. Hi all, Sorry if i have posted this in the wrong place. Things have been looking good over the last few months, i would check my credit score which was never great but was slowly improving and I have just checked and I have a CCJ on my credit score from united utilities! It says we owed them £700! we rented a house for a few months, i feel like the debt has been totalled by the next tenants that moved in and we have been left the bill. As I new nothing about this is there anything i can do to stop this and defend myself? thanks all for your help.
  2. Hello I came across this great forum whilst searching for information on my student loan predicament. My student loans were from 1995-1999 and I was under the age of 40 when I left university. I think therefore under the 'old' T&C's the remainder of my loan should be cancelled when I'm 50. I have read however that if I am in arrears (which I am), this will not happen. The reason I am in arrears is because Erudio claim they never received my deferment a couple of years ago. Shortly after sending them my deferment form I moved address. I informed them of my new address three times but they still sent any correspondence to my previous address. This went on for months until finally I got a letter to my new address telling me that not only did I not get my deferment granted but I was now nearly £600 in arrears as a result of them sending letters to my old address. I was then involved in a lengthy email debate with them in which I argued that they had my email address all along so why wasn't I contacted via email? As a gesture of good will they paid me £100 for my inconvenience!! My question is, am I still eligible to have my remaining loan written off? If so, what is the best way to go about this? Regards shaft65.
  3. Hi I recently went for a mortgage and got refused saying that I had a CCJ against my name. It turns out that I got a parking ticket in 2012 which I was unaware of, the correspondence went to a previous address I have now a CCJ against my name for £1540!!! Issued from Northampton Court in December 2012. Yes £1540 for interest on a parking ticket that was probably £25 to start with. I had no knowledge of this ticket, no knowledge of this ever going to court, and there is no way I am going to pay that amount for a parking ticket. As this was all issued to the wrong address is there anything I can do to get this off my record as it has tipped by credit rating into "poor" status? I honestly can't believe I knew nothing of this for over 3 years and now it has royal screwed me up. Any help would be really appreciated. Thanks
  4. HI there i am appealing a mandatory review from the ESA. Is there a form that i can use to ask for all info they have held on record about me? If there is could you post a link as i can't find one. Is there also a charge for this? \thanx in advance
  5. I am helping someone out. This one is abit over my head. Tenant took out a tenancy with a relative and also payed 1 months rent in advance and deposit of £900 ish. So far no payments have been delayed etc or have been held back. They moved in approx 3 years ago. As soon as tenants family moved in they took pictures of things that needed doing or proof of what condition the house was in. The landlord has been cooperative upto a point. Problems that have started to arise are : Floor boards creeking(loudly) : Steps moving up and down when used in stairway. : Several places where there are depressions as if the floor is giving way. : the carpets need repalcing in several rooms. (Every time carpet is worn landlord comes along and cuts the bit of and replaces with a small patch) There are other niggles etc. The main door which was replaced last year made of wood lets a lot of cold air in. Etc. Everytime this has been raised with the landlord he makes some sort of excuse. A week b4 xmas the cieling in the bedroom caved in due to a leaking water pipe. The land lord only took action when the tenants had a row with him in front of their children with the landlord being very very obnoxious. The landlord has now said that he is not happy and wants the property vacated. He is due to serve them with a s21 two month notice. What do they do ? There isnt a papr trail of any complaints made. The tenants would rather stay where they are than move. I am completely stuck as to what i could advise them about ?
  6. This is good, I never knew much about it. http://www.bbc.co.uk/news/health-26527266
  7. Hello Thank you for looking at this post. NOTE: only 121 audi a8 edition 21 are made for the UK. AvailbLe to order from July 2015. I am a chauffeur and wanted the a8 edition 21 because of my own personal liking to this model In the last week of August 2015 I decided that I want to purchase a new A8 LWB Edition 21. I was dealing with wimbledon audi. I have enquired about the a8 edition 21. I was told that the a8 edition 21 LWB was not available to order and also they could not configure the car on the audi website which meant audi does not make it in LWB verson (a a8 edition 21 SWB was available on the website). I have said serveral times if the a8 edition 21 model was available to order. I was told no and the salesman have confirmed it with a manager. So I decided on a8 LWB which was in stock. Which I decided to buy because based on the salesman telling me the edition 21 LWB was not available and audi did not make it. 5 months down the line I visited the west london audi and couldn't believe my eyes and saw an a8 LWB edition 21. I enquired to the sales team and asked when the edition 21 LWB was available to order and they confirmed it was July 2015. My question is that based on the salesman at Wimbledon audi telling me that the edition 21 is not available in the LWB and audi did not make it in the LWB version which made me to buy the normal a8 lwb .Have I been missold the vehicle I have purchased?
  8. http://www.dailymail.co.uk/news/article-3503678/How-new-CD-player-torpedo-car-insurance-firms-refusing-pay-motorists-claims-basic-modifications-without-telling-them.html It would seem Insurers are increasingly rejecting claims, due to Policyholders not declaring information relevant to the risk. If people are in doubt about anything that could affect the risk, they should phone the Insurers to discuss and either get written confirmation or make a full record. The FOS report over 7,000 complaints about Motor Insurance, with 25,000 enquiries. People should be aware that the FOS do try to reduce the number of complaints they handle, by trying to filter out those they do not think have any merit or are not worth looking at. If people think their complaint is not being taken seriously by the FOS, they should obtain other advice by coming to consumer sites like CAG. Depending on the details, it could be worth pursuing in other ways. Remember that the FOS is funded by the financial services companies and has always been underfunded, so struggles to deal with the volume of complaints received. It is not unknown for some complaints to take well over a year to resolve.
  9. Ill start at the beginning About 12-14 years ago I was called into the income support office for a fraud interview. I had been working but wasn't earning over the stated allowed amount. I was self employed. My ex husband had decided to "grass" me up as I was in a new relationship and he was very controlling and violent. I took the case to tribunal back then with copies of everything they wanted including having professional accounts done that showed I was earning within the allowed amount. At the tribunal I was sat in front of a lady who had all my paperwork in front of her including my accounts. She said to me she had no idea what they all meant and couldn't understand the account figures. after I heard off them saying I was liable to pay back around £8000 I think it was (according to their recent letter) I wrote again asking for my case to be heard by some one who could understand accounts and figures. After a while of arguing through letter they stopped writing to me. I thought they had sorted it out as it had just gone. However about a month ago I received a letter off a different department in DWP saying I owed them money and I panicked. I was told by them they were putting an attachment of earnings on my very small wages. I wrote asking from what time period and they came back with that it was from 2002/2003 ! I have no idea where I stand on this and what my rights are. I am beside myself with worry, the last time the stress caused me to miscarry . I am already having problems sleeping and feeling tired all day. If it was a normal business I know they aren't allowed to reclaim money after 6 years with no contact but as this is the government Im guessing the rules are different? can anyone please help ? im so worried I feel like crying all the time PS their first letter said I owed £3500 and the second one put it up to almost £8000 !
  10. Hi Guys, I am slightly confused as to what to do. I will explain the situation below and then explain the confusion. Any help/advice would be more than appreciated. I received a phone call yesterday on my mobile phone from a lady called AMY from the "PRA Group". She claims that I have a "G.E.Capital bank store credit card" debt of £310.91. I am not aware of this debt and told her as such. She told me that I apparently took this agreement out in 2002 and that they had owned the debt (as mckenzie hall) since 2007. She told me that after the name change/merge all files were being revisited. I advised this was the first I had heard about it and took the relevant details and told her I would be writing/emailing them shortly. I have looked through my records and I definitely have no records relating to this. I have even gone onto my credit report and nothing there shows any reference to a g.e.capital account, mckenzie hall account or a PRA Group account. As far as I am aware I have never had such a debt nor never even been contacted about such a debt. I was going to send them a prove it letter, however, this is where the confusion lies, after reading some posts on here it seems to suggest it is also statute barred (if it exists at all). What is the best way to proceed? Should I send a prove it letter? A Statute barred letter? or a combination of both? Any help would be greatly appreciated. Kind Regards
  11. Hi all Whilst I have praised British gas , I am not happy wit there repairs etc department. I am a tennant and my Boiler has broken down, My Land lady has not had any joy, sorting this out for the last week. I spoke to BG and found out that even thou I live 30 minutes from the M25 she would have to pay their London prices. I wish some one could explain why the London prices ????
  12. Hi.I'm new here and I need help to getting out off train4tradeskills contract and get refund which I have paid please...
  13. Hi all. This is the first time I have posted here but am now at my wits end with LINK /IDR Finance. After a number of months struggling to deal with my credit card debts I decided to go on a debt management plan through CCCS ( now step change). LINK /IDR had accepted the amount that was aggreed ie a monthly payment of 43 pounds for a debt of £3,415.14. They didn't receive money because of mis-communication between cccs and link/idr. I wasn't aware of the problem until I recieved a letter saying that I have incurred a Litigation Charge of £102. I received a ccj claim form a day after. On speaking to cccs and link it turns out that because there was a discrepancy between them about the account number the payments were not recieved and after a couple of months of non payment they have now gone down the ccj route. I accept now that I will have to go through the ccj process(which I am gutted about . I began the debt management plan to avoid this in the first place!) but I am wondering would there be any point in trying to go down the route of a cca? Or is it too late for that? Any advice or help would be very much welcomed. Just to add briefly. I spoke to MBNA about the account they said that the account was sent to LINK/IDR for collection. I cannot remember if it had merely been transferred or sold to them. Seeing as the service dept department is closed weekends I will have to wait till Monday to pursue that.
  14. Hi there, I recently left a job after only 4 days, as I felt flogging funeral plans to elderly people was taking sales a bit too far and the rejection rate was abysmal. I have not been paid for the 4 days yet however, the usual pay day is the last day of the month which will be Monday. The only pickle I have is that the company never provided me with a proper contract stating my terms etc before I left and I have tried to contact them to make sure my pay will go through properly and have been blanked for the last week or so. I'm just wondering what my rights are here apart from kicking up a fuss on social media + standing outside the office with a sign? Thanks
  15. We got my niece a Hp laptop for christmas in the middle of december and it has just come down with a keyboard fault . press s and you get sx etc on two blocks , now my feeling is it is a switch underneath that has gone bad , will it be a straight forward replacement or will they send it away for repair . she uses his for her homework i have reset it to check the keyboard so i know its not software but hardware failure . It was brought at tescos i forgot to add
  16. Can someone please confirm if what im thinking is correct. I've received a Court form pack from Northampton from Howard Cohen and Co for a vanquis debt. I wish to pay the amount in full but just checking that once i have contacted the claimant and paid it do i need to submit any of the forms to the court or Claimant ? I've looked at the N9a Admission form but it seems to only need completing if *i admit the claim but ask for time to pay *i admit part of the claim I just dont want to settle in full and think its gone away only to receive a judgement Thank you
  17. Hi all, First off, let me introduce myself. I'm Lou. I'll give you a little bit of backstory first: I've been working for years with chronic pain issues, depression, anxiety, migraine associated vertigo and digestive issues. I worked for as long as I could but I just couldn't manage any more so I got my doc to sign me off. I got ESA easily initially. when it came to my assessment, it all went wrong. The nurse that assessed me actually used me being well-groomed against me as she did my hobby of having a beauty blog. The whole thing seemed to rest on how long I can sit or stand for without pain which is now around 10 minutes before I have to start fidgeting because I'm in so much discomfort. I need a stick quite often, a friend has to help me with my shopping or when my cat needs to go to the vet and I am having grab bars put in to my bathroom as I'm having issues lifting my legs over the side of the bath to have a shower as well as struggling to get onto and off of the loo. I have issues getting dressed and undressed, even putting deodorant on is a trial! All of that was ignored!! As for my depression, I spend most of my time wishing I was dead and the rest flying into rages over tiny things that I've gotten obsessed over. Apparently, this wouldn't put me in danger at work, or anyone that I was around. It all amounts to my Mandatory Reconsideration being turned down flat once again, me being well groomed being rubbed in my face which I'm disgusted with. I fully intend to fight it as I know I'm in no fit state to be around people mentally and I'm also not physically fit to manage work either. My doctor is backing me all the way as I kind of figured what the outcome would be. She's going to write me a letter. I've explained to her how day by day, my chronic pain issues are worsening as is my depression and anxiety and this whole thing isn't helping at all. The whole thing is terrifying to me and I nearly burst into tears when I got the letter this morning. The DWP keep referring back to when I filled the form in back in August but I'm so much worse now. I told the assessor this but she seemed cold and disinterested. I'm at my wits end. I pretty much deal with all of this alone. All I have is my cat, Luna, and quite frankly, she's all that's stopping me doing something stupid.
  18. Hi all, I have been trawling this site for a while hoping to find an answer to my issue, but nothing with the exact specifics and was looking for some advice. Over 6 years ago now, I was forced to leave my job (long story that is out of the scope of this query!), meaning I was no longer able to afford the lifestyle that I had bought into. Hence, credits cards, loan and car were the victims, and I unfortunately defaulted on all (5 debts in total, to the tune of approx. £20k). The job market being the way it was, I found no further work, and decided to try and enhance my future by returning to education. I informed all creditors that my income had vastly reduced to that of a student, and hence came to the agreement that I could make token payments of £1 to each individual one, and that was that. Since, I have not even attempted to apply for a single bit of credit, and lived with a basic bank account, which has served me well - one thing I have certainly learnt how to do is not to live up to the limit of my means!! since the defaults, I have moved house twice, and have lost track of the debt collection agencies that were involved (I believe the debts were sold on), although I have maintained the token payments as they were simply standing orders set to go out automatically. Hence, I have no idea of any communication that may have been made. This week, I checked my Equifax and Experian history out of interest to see if the old defaults had fallen off, and all looks good, the last two due to go by March. However, I have come to realise that despite this, the creditors may still decide to take enforcement action against me at any point, which is rather disconcerting; I have just begun my PhD, which is due to last for another 4 years, hence a total of 10ish years on a poor income!!! Of course, I have the full intention of settling this money when I finally graduate and get employment (prospects look quite good for future salaries in my field), so don't want/need advice on how to dodge, however, what I want is to break the hold of them being able to take action against me on their terms, as this hanging over my head is a bit worrying. What advice would you give? I have thought of two things, but not sure of there true implications: Cancel the token payments and hope that enough time passes for the limitations act to apply and then repay when I can? Or, make contact and offer lower full and final settlements (family may be able to help with lump sums)? Any other thoughts? Regards AM
  19. Hi all, today I have received 2 emails 1 for my natwest account the other for my rbs account - both saying the same thing "We're really happy to let you know that from 5th April 2016 we'll stop charging unpaid transaction fees on your Basic account. You're charged unpaid transaction fees when you try to make a payment but don't have enough money in your account to cover it. We normally charge £6 for each unpaid transaction (up to £60 for each charging period). The good news is from 5th April 2016, you won't need to worry about this". Has there been a problem with these charges then? Is that why they are removing them?
  20. Hello, Summary: Recently found out I have a CCJ against me, which was made on the 07 April 2010 after signing up for a popular credit report/expert website and have done some research before deciding what action to take. What I know: The CCJ on 07/04/2010 will be removed from all registries after 6 years, which is only a few months away at this point The amount is for £194 If I pay the CCJ it will be classed as "Satisfied" If I do not pay the CCJ, it may come back to bite me in the proverbial ass in the future What I need to know: If I pay the CCJ, will it still be removed in a few months, or will it start a new countdown of 6 years since the date the CCJ became "Satisfied" What do I need to do (helpful if listed in steps) to resolve this matter without it blowing up in my face? Thank you very much in advance for any assistance provided!
  21. Hi everyone, I'm a newbie on here (2nd post) and think I just made my first school boy error - spent hours (literally) tying up my obviously massive story, then go to post - and I'm timed out. Lesson learnt. So I'll attempt to be as succinct as possible this time but it's nott an easy story to tell, so bear with me pls! I initially incurred debt with RBS in 2002 after losing my Father. Things are a bit foggy about that year or two in my life but I accept I incurred a debt of around £3,000. After a few negotiations as I remember, the debt was passed to a collections agency - Wecott Debt Recovery. I made an arrangement with them to repay the debt. A debt which I have not defaulted on in one single month in 11 years to date. The debt now stands at just under £400. (Now the interesting bit!).... In March 2006 I start receiving really quite offensive letters from a company I had never heard of until then. Namely Capquest. I know for a fact that - silly as it seems - I did make erratic one-off payments to them over the years that followed and as the tone and frequency of their actions seemingly had no limits, I even had my poor Mum make a payment or two for me. Not because I asked her - but because they began to phone my Mother's landline and speak to her about my debt!. Then my 88-year-old Grandmother started getting the calls too...:mad: I eventually made more payments to them but only on the basis I was disputing the entire debt and that it be put 'on hold' until sorted out properly. This was some time in 2009. This managed to keep them quiet - despite the odd phonecall or letter - for a time. In early 2011 I start getting mail sent to my Mothers address again. The threatening stuff; doorstep collections; court action; 'freezing of my wages' etc. I got on the phone to the bunch and set things straight. I spoke to a senior manager (whom I won't name...yet) who explained he had looked over my account and although I wasn't to 'get too excited' - he thought I had made an overpayment and might be entitled to some form of rebate. This did actually make sense and I did believe this guy's sincerity. I agreed to speak with them in depth (Capquest). It turned out they didn't have a clue about pretty much anything. Nothing other than they represented RBS (their client) and the debt (of just over £3,000-odds) had been sold to them in 2006. Exactly when the letters and phonecalls started.... At this point I decided I needed to do some serious research on my own. The obvious thing that stood out to me was the potential for RBS to have mis-sold (illegally????) my 'debt' information onto a 2nd collections agency (remembering I had a flawless arrangement in place with Wescott for this very debt since early 2004). The more phonecalls I made and letters I sent, the deeper this story seemed to go... Wescott Opinions:Flawless Client who took on his debt and repayed by s/o as agreed & on time Capquest Opinions: Quote(!) 'Wescott have been paying us. You make payment to them, and they make payments to us'. I'm beyond confused. I write directly to RBS demanding answers. I get a one page response saying effectively that are not legally obliged to provide any information regarding the account as it's been over 6 years since the inception of the debt. They're not even obliged to tell me how much the debt had initially been. Onto the Ombudsman. I write a HUGE report detailing everything (even more than I've rant on here). I get a message back to say they can't entertain it (the 6 year rule again). I write an appeal and ask that they read my report in full and consider that the case is not over 6 years old but that it is ongoing - as I am still receiving threatening letters. They reply they have reconsidered and take on my case. :T It's almost 5 months later and despite keeping in touch with the Ombudsman, it's taken this long for them to investigate it. I got a phonecall from the Ombudsman last week. They explained RBS wanted to make me an offer. I got excited - I thought this had all paid off, all this stress and worry - but I needn't have been. The offer the Ombudsman had was from RBS directly and was simply 'to nulify the debt'. I made it politely clear I rejected their offer. The Ombudsman acknowledged this. NOW THIS IS THE BIT I NEED A HELP WITH; I heard from the Ombudsman at the beginning of this week. They say the only way they can make the financial aspect of my offer more preferable and recoup my overpayments, I must provide receipts of the transactions made directly to Capquest. This is just not possible. I have spent days speaking with my Banks callcentre, I've even been with an appointment with my Bank manager who could see my predicament, buy couldn't help me out. The receipts the Ombudsman is requesting is simply impossible evidence to request. I've now been told I have one week to provide this evidence before the Ombudsman rules. Can anyone who has read this post (and thank you anyone that has!) advise on ANY aspect of my situation? I can't explain how frustrating it is to almost have won my battle after all these years - but be just a piece of paper away from losing it al too. Has anyone else been in this position? Has anyone taken court action against a Bank in this kind of circumstance? Clearly, ANY advice is very greatly appreciated! Sincerely, Openwater
  22. I moved back into my parent's house at the start of this year which was also when I registered as self-employed. I currently haven't been paying any council tax since I assume I have to let the council know I've moved in. My Dad doesn't have to pay any council tax. I have the money to pay for it but what sort of trouble can I expect to be in when I let the council know about this? Also I've so far earned around £8k this year so I think I may be able to benefit from working tax credits. Am I allowed to back date this benefit to the start of the year from when I registered as self-employed? However, I also have £10k in savings so I don't know how this will effect the benefit. Any help appreciated.
  23. Does anyone know if there is a correct way to raise a complaint about the way ATOS have handled my assessment? I've been messed about from the beginning, finally got a home assessment booked for just before Christmas which they then cancelled less than 18 hours before the time. They sent me another date for 3 weeks later but I'll be in hospital recovering from a major op a few days before then. Phoned and explained, had to 'request' a call back from a supervisor, explained it all again the next day and the upshot from this is today I receive no less than 4 letters. Two are identical and are as if I have only just begun my claim, one advises me they cannot do this by a paper-based assessment (I told them that) and the fourth is yet another appointment for the day after the last one they sent out. IF by some miracle I am fit enough to return home, it won't be until that day and I'm going to be very stressed and needing loads of help to just get back settled in as I live on my own and have no-one to support me. But I may not be fit enough to come home that day or the next and it's setting me up to fail because I won't be able to keep the appointment. So far I have been given no less than 5 different appointments since November and I'm just losing it completely. Is there an official complaint process because I cannot seem to find it on their website at all. I'm finding it very difficult to even read their website too because it's small pale font and it's so much information to wade through to realise I cannot find the answer I'm looking for.
  24. Baby's early arrival leaves parents stranded in New York for three months with £130,000 medical bill A couple on a four-day trip to America have been stranded for three months after their baby was born prematurely. Katie Amos, 30, went into labour during a New York sightseeing trip with fiance Lee Johnston, 29. Only hours later their son Dax was born weighing just 3lb – 11 weeks before his due date. Doctors said the baby will not be able to fly home to Britain until March... Full Story
  25. A/ Why are hover boards sold if you can't use them on the pavement or road. B/ why do people text while crossing the road. C/ Why do some young people wear there trousers half way down. D/ Why do some people shout at someone if they are next to them. Any ideas of the above would be welcome and perhaps some of your own..
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