Showing results for tags 'action'.
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The purpose of this thread is to initiate a discussion with fellow eToro customers to examine the possibility of bringing a class action lawsuit against eToro, with the aim of recovering all the money lost on missold products. eToro encouraged thousands of inexperienced customers to bet their money on risky Contracts for Differences (CFDs). I argue that eToro negligently failed to ensure that customers properly understood the risks involved. The majority of these customers would not have put their money at risk if they had been properly informed by eToro. I submit that eToro is guilty of: 1. offering and promoting the use of high leverage, which made the CFD trades extremely risky and tantamount to gambling (before the ESMA rules took effect, leverage as high a x100 was available on some assets, including extremely risky ones like gold and oil); 2. failing to make a good-faith effort to ensure that customers genuinely understood the risks associated with high leverage – their boilerplate warnings were not sufficient to enable inexperienced investors to make a truly informed decision; 3. actively encouraging customers to put more money at risk by telephoning them; 4. encouraging customers to copy so-called "Popular Investors", despite the fact that none of them are professional traders and suffered losses when the favourable market conditions ended. In my opinion, such a class action lawsuit has a realistic prospect of success and is also in the public interest. Customers affected by at least one of the four points listed above can potentially receive compensation if the lawsuit is won by the claimants. This year thousands of customers suffered losses either by using the high leverage that eToro recklessly made available to unsophisticated customers, or by copying incompetent “Popular Investors” like JayNemesis and Wesl3y, who are not qualified to invest money on behalf of others. Let's get some momentum going and start selecting the right law firm to bring this claim against eToro! -
Hi all, i've been reading these forums for awhile after a certain run in with Harlands/Xercise4less as it appears i'm not the only one to fall victim to their harassment. I would really appreciate any advice regarding the matter - I know that it's not something to lose sleep over but i'm a bit fed up at the moment. Brief background: July 2018 - I hadn't used the gym in a couple months as I moved to a different area and joined a different one closer to work. I thought I had completed the 11 month obligatory period and decided to cancel the direct debit, but I was mistaken, I still had a month left (although I had not used the gym in a couple months by this point already) August 2018 - They send me an e-mail saying I owe them 36.99 (11.99 missed gym fee and 25 pounds administrative charges.) I ring xercise4less and harlands (a mistake) and do not manage to resolve the matter. I send them an e-mail that I recognise there is a month's missed fee and am willing to pay that, but will not pay them any more and will not offer anything further if they do not accept. October 2018 - They have continued to harass me via e-mail and the charges have accumulated to 110.97 and are they are now e-mailing via CRS. They say that if I do not pay, they will have no option but to take legal steps. So i've drafted a letter which I will send to them via post, but I was wondering if there was anything else I should do/add to the letter before I send it off! Again, thank you for your time and any advice would be much appreciated. Best regards, worriedwort
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HI, apologies for randomly contacting you https://www.consumeractiongroup.co.uk/forum/showthread.php?488162-VCS-final-demand-before-court-action - I have received a similar letter from PCN today re a PCN in Edinburgh from May 2015- can I ask what you did re your case? It was def my car, but I was not driving it at the time of the PCN!! Thanks -
I got letter from solicitors, on behalf of Robinsons Way acting as agents for HPH (ex Barclaycard) on a debt they say originates from a legal agreement from 2004. This I believe relates to an old Egg debt, but BCard bought my Egg debt in 2011/12. I was paying Egg card small amount monthly, Egg stopped taking payments (not me defaulting) when BCard bought debt. Bcard wrote to me said I needed to change SO to their details and quote my Bcard as a reference!!! I didnt have BCard, it was an Egg card. I wrote and told them, they didnt reply, I didnt resume payments (Never made any payments to Bcard). That was in 2011/2012 not too sure of last payment date - have to scroll thru old bank statements, but never made any payments to BCard. Had various letters from Bcard, Robinson Way and other companies over the ensuing years, debt been passed off from one co to another. Now just received a Letter of Claim from solicitors saying they have legal agreement between me and original creditor (who they seem to be implying was BCard as no mention of Egg), and the date of that agreement. Said their "client" (think they mean BCard) purchased the account and it was legally assigned in July 17, Notice of Assignment sent to me - I not received! I have drafted a letter asking for a copy of the CCA, a full breakdown of the costs involved in the debt, and a copy of the Notice of Assignment. Will send recorded delivery tomorrow. I know they have 14 days to supply a legible true copy of the CCA -. My main thought is why has it taken them so long to initiate legal action if they have a good case? Any thoughts or advice please on what else I can do, Sorry for War and Peace!!
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Hi - first post. https://www.consumeractiongroup.co.uk/forum/showthread.php?485544-VCS-windscreen-PCN-Scotland-Disabled-Badge-on-floor-opps-i-have-told-them-i-was-driving-help Have received today exactly the same letter as post 52 above, relating to an alleged PCN in Dundee on 7 December 2015. I have a vague recollection of there being a PCN in the location a long time ago but am sure I haven't had any reminders since, so it's odd to have this final demand before court action 2.5 years later. Maybe the Carly thingy case has got them excited, as they mention that although it has no bearing on what they're written to me about. I assume I ignore? -
Hi My wife received a ticket from Armtrac in Cornwall 1/18. We waited the 56 days for NTK which did not arrive. On Friday 10/8/18 my wife received text from TNC (don't know how they got number) requesting payment. We checked with DVLA to see if Armtrac/TNC had requested Keeper details but it appears my wife forgot to update DVLA of a change of address in 11/17, so NTK could have been sent to old address. My wife received another text this morning to contact TNC to pay or the matter will be escalated. Not sure what to do now. Many thanks for any advice. -
Hi everyone, I have been away from home for quite some time and I had checked my letters to see that I have received 3 letters from Euro Parking Services about not being parked correctly in a parking bay. The letters had started from £60, £100 and now £160. The driver states the signs (of both the parking signs and the parking bays) were not clear at the time of when they were there or else they would not have parked there at all. The driver was there for a maximum of 5 minutes as the passenger had went into the tesco express. The visibility of day was poor as it was raining and within the picture you can see the lights of the car are on at 1pm in the afternoon, driver says he would never have his lights on midday unless there was poor visibility (as it was the winter) The current letter states it is a "Letter before court action" and they are asking me to pay £160 otherwise they will tell Gladstone Solicitors to commence proceedings against me. It also says "We refer you to the Practice Direction for pre-action conduct under the civil procedure rules and in particular paragraph 13-16 of the same, which deals with court's powers to impose sanctions for any failure to comply." Could anyone please advise me how to respond to this letter? I feel that the extra £60 is totally unjustified and that given the unclear signs (which they have now updated) and poor visibility due to it raining is also not fair at all. Also, shouldn't a compliant LBC give 30 days notice? Not 14 days? Sorry for making my post long, panicking quite a bit but can anyone help me out please? -
Lowell claimforn - old Aqua credit card debt
Trish Costello posted a topic in Financial Legal Issues
Hello, my first post so please bear with me. I owe a debt to Aqua Credit Card. Due to mental health and physical disabilities I got in to trouble and didn't pay it. It was sold on to Lowell Portfolio who have now taken me to court at Northampton. After reading advice I sent a CCA request and a CPPR 31.14. Along with an acknowledgment to defend on 21/05/18. On 18/06/18 I received a letter telling me that this was going to the small claims track. With that I received a questionnaire about mediation. I have been away 2 weeks, while attending a family funeral and received letters to mediate. As I had not responded, I now have a letter Notice Of transfer of Proceedings. I really do not know what to do now, or what this means. I suffer severe depression and fibromyalgia, the worry is now making my conditions worse. Please can someone advise me what I need to do now. Thank you -
Hi, I think I have made a minor mistake - a Ltd company owes us (we are also Ltd company) for an unpaid invoice. The invoice has been unpaid since April, we sent a letter before action by email: I copied this text from something I found online, the number of days was blank so I just put 7 in there thinking it was reasonable. Anyhow I have now read the pre action conduct page here https://www.justice.gov.uk/courts/procedure-rules/civil/rules/pd_pre-action_conduct And they mention 14 days. ooops. As the 7 days has elapsed do you think I should send another letter giving 14 days, or should I continue with my Draft MCOL claim? PS Email OK? PPS do only work days count or do weekends count too? Thanks in advance. -
Hi I wonder if anyone can give some advice please I had a personal loan in 2006 for around £6000 which regularly paid for two years. Unfortunately 2008 I was diagnosed with cancer and had to go to hospital for various ops etc As 1 was unable to work I fell behind with the payments and was defaulted. I then set up a repayment plan with the dept collector of £5 a month in which I paid for around three years I then stopped paying when I discovered that the credit collect had to prove the dept. I then received court summons from Cabot in he post in late 2016. I defended the claim by asking them to prove it letter. The summons was the discontinued by the court and I have not heard anything else from them until last week, they have now sent me all the documents that I have asked for signed loan agreement and statements etc In the mean time my cancer has now progressed and I have been diagnosed terminal 1. my question is have they now got a good case and will I have to pay. 2. should I write to them and tell them, about my illness and give them copies of the hospital letters Kind regards William
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https://www.consumeractiongroup.co.uk/forum/showthread.php?472472-Please-help.-work-mileage-tax-rebate-Missold-a-service&p=4977504#post4977504 can i ask whats happened with you and this company as they have done me over too and are threatening court -
Recently bought an older car for the "Boss" and have had bother with it. Guy I bought from refuses to repair the car which has developed an MOT failure problem on day 1. Seller claims to be a private seller and advertised as such on Gumtree. Found out this guy has a vehicle repair workshop of sorts and sells the odd vehicle mainly sourced from his brother who is a bona fide trader. Am taking him to small claims court if he doesn't pay repair by local garage. Beware motor traders in Kirkcaldy Fife, bearing the same name.
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Action plan to accelerate remediation of private high-rise residential buildings with ACM cladding READ MORE HERE: https://www.gov.uk/government/news/action-plan-to-accelerate-remediation-of-private-high-rise-residential-buildings-with-acm-cladding -
If I send a letter before action, can the person I am claiming against then submit their own claim to court against me??
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I for one have had hellish problems caused by npower entering missed payments on my credit file, on and off like a yoyo and this has caused my mortgage applications to be declined more than once. I consider this to be extremely serious. Please contact me if you would be interested in taking out a class action lawsuit against npower to seek compensation for all the problems they have caused and laws they have broken. Whilst I have already provided extensive details of my case to The Information Commissioner, The Energy Ombudsman, The Financial Ombudsman, Experian Credit Agency, they either fail to respond / take any action / blame the other party. npower's obvious wrongs are as follows: failure to issue a contract preventing me change suppliers for a better tariff failing to notify of direct debit changes failing to notify credit file entries wrongful entries on my credit file - twice, and for incorrect amounts failing to provide bills on time failing to respond promptly to letters failing to bill the correct amount harassment by debt collection agencies And that's just for starters. Please contact me if you'd be interested - thank you. -
Hello, I wonder if anyone may be able to help me please. I bought a flight in Dec 16 from Citi Flights, flying from London to Thailand. I flew out on the outbound flight but the airline cancelled my flight home. They left me stranded in Thailand with no other option but to purchase a new ticket home. I have been battling with them ever since and they have said that Citi Flights had no authorisation to sell me the ticket in the first place and it was a fraudulent transaction. Citi Flights have said that the issue is with Turkish Airlines and not them and if they weren't allowed to sell me the ticket how could I have travelled on the outbound flight. I spoke to the CAB consumer helpline and I have issued a claim online for breach of contract and damages under common law against both parties (as I have no idea who is telling the truth). However I have just received a letter to say that Turkish Airlines intend to defend the claim. Does anyone have any knowledge or experience to offer me please? Lauren -
Government action to end letting fees - England Only READ MORE HERE: https://www.gov.uk/government/news/government-action-to-end-letting-fees
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Hello guys. I need some help. I received this email below from lantern. I have received emails from them over the years about this same debt but I do not know which payday loan debt this is in relation to as it doesn't even say. I'm thinking maybe pounds to pocket. I'm pretty sure this is in relation to paydays loans I took out in 2012. I need some advice because my credit rating is shot and I need to try and get it back into the green. My question is; 1) Should I finally make contact with them and ask them what this debt is in relation to? What should I say? 2) Would this debt be statute barred? Is something statute barred from your last payment to the company or from when they put a default on your file + 6 years today date? I've checked my credit report and there doesn't seem to be any defaults which match this sum. I took out a few payday loans between march 2012 and july 2012. There might be an odd one in 2013. 3) Are lantern serious about taking me to court? My last known address was 10yrs ago and my current address isn't listed on my credit report so if they did take me to court the court papers would go to my old address and I would never get them. Having a CCJ against me would cause me alot of problems in my career, so I really don't want that. 4) Should I just carry on ignoring them? 5) I probably shouldn't have gotten this payday loan and I know they can be written off with some companies. I could probably make some monthly payment towards it every month if need be as I got myself into this mess but am looking at all my options. Should I contact them about it being written off? Any other advice on what action I should take? Al help appreciated, thank you. CURRENT OUTSTANDING BALANCE: £1400.11 Dear xxxxx Our efforts to contact you are becoming exhausted as we have made several attempts to offer you a repayment solution and even a discount. In light of this we are preparing your account for one of the following possible actions: Legal Assessment – your account may be sent to our Legal partners who will assess your account to determine if legal action is suitable. If they consider this to be the most appropriate action we will inform you of the next steps. You should be aware that there may be additional costs in the event that legal action is taken. Assignment of your account to our field agents, Resolvecall who will visit you at home to arrive at a solution Assignment of your account to one of our external debt recovery partners, BPO Collections Ltd or Tenron Credit Management Ltd. We consider the above to be a last resort, and hope they will not prove necessary, but without speaking to you we are running out of options. You still have time to set a plan with us if you contact us within the next 7 days. Please click for a payment mandate should you choose to pay by direct debit or standing order for your completion. Just to remind you, you can now manage your account online by visiting If you prefer you can email us at or call us on: 0113 887 6876 to speak to one of our agents. The details needed to set your plan are: Date of 1st instalment Amount of instalment Frequency of payments Preferred method of payment Please ensure that your priority bills are up to date for example rent / mortgage, utility bills, council tax to make sure your payment is affordable. Information pertaining to this account may be registered with credit referencing agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future. Yours sincerely Lantern
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Hi, A relative has asked for help regarding a credit card debt - original lender HBOS for £5k - dating back to 2012. Last payment made was Nov 2012 and the debt has since been sold to Arrow Global Ltd last year, 2017. A letter arrived today from Shoosmiths (who I can see from other threads are the in- house solicitor for Arrow). I have attached a copy of that letter to this thread. I am trying to offer advice to my relative but I am not sure whether this letter is a legitimate and genuine threat of court action or simply Shoosmiths phishing, given that the debt is rapidly approaching the 6 year point and, presumably, being statute barred. Can anyone offer any advice on what steps, if any, my relative should take at this point? As at today she has made no contact with Shoosmiths, the Court named in the letter or the original lender although she is beside herself with worry over the issue. Any advice is appreciated. Should also mention...the relative lives in Northern Ireland and the letter refers to an 'Ordinary Civil Bill'. docs1.pdf -
How would i go about finding out if a landlord (housing association) is liable by law/regulations or contract to perform certain repairs/modifications on the property? I have a few issues that i would love to get remedied but have little luck getting them looked at seriously. One being a very common problem for all the flats i know in my block is that people upstairs simply walking quietly across the floor causes all kinds of very loud creaks and bangs. Very disturbing if your underneath even with tv or music on and ive seen how unavoidable it is from the other side too walking on such floors when visiting neighbours. I had a lot of trouble with a noisy neighbour years ago which culminated in noise equipment and so on being installed which picked up this noise (on top of the fights) but my landlords refused to even listen to the recordings offered by the local council. Secondly i live in my 2nd bedroom which is very small. Since they moved the boiler out of the large cupboard and into the bedroom (there was a CO leak from the waste gas pipe) and boxed in underneath it as well as boxing in pipes running along the floor the room has become massively unusable as a bedroom. Placement of door, window, radiator and said boxing making any kind of half sensible arranging of a simple bed and wardrobe very oddly laid out. i would like ideally to have the pipes running across the top of the wall rather than bottom. Lastly the flat has no drying facilities. No outside washing lines, no front/back garden or balcony. it had a simple line that crossed the bath at one point (it was crap and never used as someone was always wanting to shower or bath) but that was made unusable some months ago when they had to replace the shower and its now in the way. Just wondered how i would go about checking up on building regulations or similar to see if i can force a remedy on any of these problems. Previous experience has taught me they wont do bugger all until they have to. Thanks. -
Hello All, I’ve a feeling that I’ll need to go to the Ombudsman but would be grateful for any assistance.: Long Story short, I approached PayDay UK/MEM Capital last July 2017 and requested a settlement figure as I released equity in a property I own to clear my feet. I was given the figure and when the funds cleared acouple of weeks later, I received 2 text messages (16/8/18) 1st text said I was £8 short due to accruing interest since the initial settlement figure was issued, and literally acouple of hours later I received another text saying my loan was settled in full. As a result, I received zero correspondence from the lender until December 17 when they started requesting a payment of £180 which was pure interest – I contacted them, they said that because I never completed a settlement form, they didn’t action this so I requested another copy of said form as I hadn’t received it - this was on 29/1/18 and today, no response to the email I sent saying I didn’t have the settlement form but I did get confirmation that they’ve issued a default! I’m in the middle of trying to clear my credit file up and have been slwly imporving my credit score –any advice on how to approach this? Last email (copied in a company director too) has requested confirmation they’ve removed this default before close of play or I’ll escalate to the Ombudsman. Absolutely fuming with this. :-x:-x -
Sergeant Matt Tonroe has been killed in action in the Middle East READ MORE HERE: https://www.gov.uk/government/fatalities/sergeant-matt-tonroe-has-been-killed-in-action-in-the-middle-east My Condolences to go out to the Family, Friends and Regiment. RIP
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Car hire sites to provide full costs upfront after CMA action READ MORE HERE: https://www.gov.uk/government/news/car-hire-sites-to-provide-full-costs-upfront-after-cma-action
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Hello to all you helpful souls @ CAG, I am hoping for some advice...... A couple of years ago I took out a payday loan with MRLENDER @ £700ish. I found myself in financial difficulty and was not able to repay. I tried to talk to MRLENDER but they were not interested in my circumstances and just insisted on full payment or interest/charges would be added etc. This annoyed the hell out of me!! Therefore I just ignored them. I have now received a letter from MORIARTY LAW (dated 09/12/16), stating; Amount Due: £1312.50 Original Lender: PDL Finance t/a Mr Lender We have been instructed by Motormile Finance UK Ltd (MMF) in relation to recovery of the above debt. The debt must now be settled within the next 14 days by either payment in full or an initial payment and an acceptable repayment plan. In the event we do not hear from you within the next fourteen days we have been instructed to issue proceedings without further reference to yourself. To ensure you are fully aware of the consequences of legal proceedings being issued against you we have detailed below the costs, fees and interest that the court will add to your account should this action be taken. Court fees: £70 Solicitor costs: £80 Interest: £105 The issue of proceedings and any consequent judgment in our clients favour would therefore result in your debt increasing to £1567.50. I have not been informed by Mr Lender / Motormile that this has been passed on/sold to Moriarty Law. I do work full time, however I am in receipt of child tax credits and don't have the money to pay this off in full...should I try to arrange a payment plan? Is Mr Lender in any way liable due to poor affordability checks in the first place, or is this all on me solely? Thanks in advance for any and all replies. Dave. -
Help please. I have defended a claim from Moriarty Law acting on behalf of Motormile Finance (MMF) received late last year. They say this is for a fixed sum loan with Lending stream. I wont go into all of the details so far, just want advice what to do next? I did all the usual requested CCA, did not receive, failed mediation and was passed to my local county court. My local court sent a form last month ordering The claimant shall by 2/3/18 file and serve upon defendant in compliance with sect 76 & 79 0f 1974 CCA all relevant info & documents. In default, the claim be and is herby struck out. I received a letter from Moriarty dated the 1/3/18 on the 2/3/18 I will not repeat what was received in the letter word for word but give you an oversight of what it entails. If you need more info please let me know, thanks. It starts by referring to the order from the court, then goes on to refer to the agreement I had entered the amounts and failure to pay etc etc Then says section 76 does not apply to an agreement that has ended as indeed is the position in your case Then says sect 79 does not relate as is for consumer hire agreements Confirms they have sent copy to court by way of filing Ask me to acknowledge receipt and enclosures. The documents they have indexed by page, document and date are Fixed sum loan agreement from LS dated 20/8/12 Notice of assignment dated 20/2/14 then 3 letters from claimants solicitor to defendant dated 25/8/17, 11/9/17 & 19/10/17 I have already picked a few flaws with this info, but need to know do I reply to them or wait to hear from local county court. Thanks in advance
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