hi group i hope this is the correct forum for posting this inquiry On christmas eve i received a letter from northampton county court regarding a debt i once owed to capital one. the debt agency acting on there behalf is cabot finance. now im going to dispute this claim and will send the papers back to the court stating this is my intent for the following reasons: i last made a payment on this account around late 2008/very early 2009 i have made no contact with capital one or cabot or any other debt agencies from then and still not up to this present time so i think its statue barred and they are chancing the fact i will ignore the court papers to get a ccj. the reason i went into default was i had some issues back then and was homeless and living rough until early 2010. now ive just done a noodle report and yes this is on there as a default starting in oct 2015 though? no other dates on there when it should be defaulted for many years. so what letters should i send to cabot finance should it be denying the debt exists through staue of limitations or should i be sending one asking for proof of the debt what payments have been made ect. any help would be much appreciated many thatnks

hi all on 24th dec 2015 i received papers from northampton court from cabot financial ltd and drysden solicitors relating to a capital one credit card debt. i acknowledged service of claim online but as yet havent entered a defence. i have sent cabot a cca letter and £1 postal order sent recorded which i have proof off, giving them 12+2 days to respond its now 12 + 3 days from signing for letter and still nothing. at the same time i sent drysden a civil procedure rule 31.14 letter which is now 10 days since signing for and again still nothing where do i go from here regarding submitting my defence?? my defence was going to be the debt is statue barred as i have not made a payment or spoke to anyone about this debt since at least 2008 ( cabot claim 2010 by the way ). but can my defence be statue barred plus non compliance with requested documentation?? any help would be muchly appreciated cheers

Hello, Looking for some advice if possible. I have got in a real mess with Welsh Water and they have reduced the water pressure in my house. I now have no hot water and not enough pressure to refill my toilet which is upstairs. A few years ago, when I ended up as the only person living in my house I switched to a water meter. I was paying on DD and all was rosey. Suddenly, somehow a bill for just under £1000 turned up. I just couldn't understand it. It turns out my water meter was feeding not only my house by my next door neighbours house!. Welsh Water came round and took the water meter off. They then returned a few weeks later to try and fit a meter inside the house but the engineer seemed to think it wasn't possible. About 2 weeks ago WW called me and stated that my water bill for 2012/2013 was due and it is £1300 based on my houses rateable value. So, after not really not knowing how to work out how much they owed me and how much I owed them I stuck my head in the sand. Now I have no water pressure. Just a dribble. Im going to call WW now and try and sort it out but was wondering can i demand a water meter? I really really cannot afford over £100 a month for water and sewerage. I really need to get on a meter. Can they refuse to fit a meter? Thanks

Hi All, This is for a friend. My friend was running her own business. Her telecoms providers were chess telecom. At some point Chess rang the business and spoke to a member of staff and sold the member of staff a new contract for the telephone services including broadband. They then entered another 2 new contracts with same member of staff all the time extending the term of the contract. They never contacted the account holder at any point to advise or welcome to new contract etc. In Feb 2014 my friend sells the business and contacts all suppliers advising of notice and asking for final accounts etc. Chess do not respond. Needless to say Chess then stopped receiving payments. They then after a few month write to the member of staff who took out the contracts. I have heard the recordings of the contracts and the member of staff does say that he is the owner of the business. After letters back and fothr they sue the member of staff and take him to court. He convinces the court that he took out the new contracts for his employer. Despite the employer knowing nothing of it. The court dismiss the case and chess leave with nothing. Now chess start chasing my friend the employer. As far as she is concearned the only contract that existed was one she signed physically with a sales agent about 2 years prior. Chess are threatening to sue her for £2200 in termination fees. They are using the contracts agreed to by the employee ( in which he said he was the sole trader ) as reason to sue her for leaving a 2 year contract early. A contract of which she had no knowledge. Chess are refusing to send to an Alternative Dispute Service as the case has already been to court albeit in a different name. This is a really messy case. Chess have increased the monthly charge without notice which in my opinion under ofcoms rules forms a material detriment so even if she were liable she should have had an exit option on these contracts. She had 2 phone lines at £10.89PCM and broadband at £38.99 PCM they have billed her as termination fees £60 PCM for the broadband and £20 PCM for the phone lines. She has tried contacting company directors and they simply ignore her letters. Apologies for the long post any advise would be greatly appreciated

It's bothered me for some time that I pay for a packaged account with Lloyds. I've had more than my fair share of financial problems and one of the few plus points on my credit score is that I've had my bank account for a long time. I was investigating "free" accounts and came across a number of sites claiming that packaged accounts may have been mis-sold, hence my visit here. I originally signed up to a Gold account in the late 90s because I had asked for an overdraft increase (£2,000) and was told this was the way to get it. I hadn't realised the full "benefits" of the package (probably still don't) although I did use the breakdown service a few times around 2005/6. In 2009, after a period of unemployment and temp employment I went back to University to retrain as a teacher. As the account I had was more expensive than a "student account" and the overdraft was long gone, I applied to Lloyds to change the account to a student account but was told that because I hadn't got the best financial history (returned payments etc during unemployment period) they couldn't change my account. I was, therefore, trapped into continue to paying the £12pm. Do I pursue this for the original mis-selling, or just from the 2009 point where I was trapped into the paying the increased amount? Is there a 6 year limit on this?

Hello, 20th January I received two phone calls from one number. 21st January, the same number called me. Upon answering, the vodafone rep asked me a few questions about my phone, what i use it for etc etc. After explaining to the vodafone rep that I work night shifts and her call woke me up, she persisted in asking me questions. I answered a few more questions and could feel myself waking up even more... In the end, I became annoyed and told the rep that I am going to have to end the call because I need to sleep in preparation for my night shift. The rep still persisted in asking me even more questions!!!!!! So, I become more annoyed and ask to speak to a manager or supervisor. The vodafone rep apologised and said all managers are busy, but someone will call me back. No call was received. My question: I have contacted vodafone for a PAC code so I can keep my number and move to a mobile supplier who does not contact its customers with sales calls etc. But now that Vodafone have my number, am I likely to receive calls from them in the future when I am with my new provider? I know this may not seem a huge problem to some people, but as I work nights and need as much sleep as I can in the day, I do not want vodafone to persist in calling me!

Hi there, I've been summoned to an investigation meeting at work regarding several allegations. This is the first time this has ever happened to me, so I'd appreciate some advice on their points? 1. Lateness - this is a total "fair cop". This has largely arisen from agreeing to change my shifts on some days and not realising it would clash with school run (my son is 4, so this is the first time school has been an issue) - however, it's my fault for not communicating this well. 2. Making mistakes - there were two mistakes made in my knowledge. However, my manager verbally told me "not to worry about it" and I haven't, in my knowledge done it since - they certainly haven't told me? 3. The potential biggies. I have definitely done these two, and will definitely admit this, but may have been naive. The situation... My 4 year old was ill (I can provide proof of this). I was unable to get medication for depression and anxiety before that point because of this , and, due to a recent relapse, felt it important to get it There was no manager to ask for permission, and my collegue said he was happy for me to go. However, I was spotted in town and reported. I totally accept this, and was probably naive, but it has become common practice for staff members to leave for "spurious" reasons - eg, coffee - and so I'd felt this was ok. They are also stating leaving the shift 10 minutes early. Again, agreed with colleages, and again, this has become common practice, with staff members leaving up to 20 mins early! Again, I think I was naive, but I'd also left an ill child in the care of my husband, who they are aware also has personal issues, and there was no manager to ask. Just preparing myself - I struggle with anxiety so preperation for me is crucial! I should just add my last appraisal was glowing so I definitely have a good record...

I appreciate any help and advice I can get on my case as I feel I have hit a brick wall with Vodafone. I will try and keep the summary below brief. In short I sought to upgrade my old 12m contract to a new 12m contract and upgrade my old iPhone 6 to a new iPhone 6s Plus. I placed a pre-order, only to receive a 6s and not a 6s Plus which was delivered around 5 weeks ago now. Phone was returned promptly as possible. Vodafone charged me for the upgrade via direct debit and have yet to refund me for the returned handset. Furthermore they have not rolled back my tariff as I was advised to ask them to do, and there has been a problem with my contract dates, meaning they do not see me as being owed a new handset, believing I have already upgraded. My old iPhone 6 has been associated with this new contract and I have had problems unlocking it as a result, to this day I have not been able to successfully unlock the phone. So to summarise, I am owed £385 plus the difference of my new tariff versus my old tariff (approx. £10 for the 2 months that have elapsed), an apology for the sheer incompetent and inaccurate customer service wouldn't go amiss either. Given the time elapsed I will soon be considering legal action if not resolved to my satisfaction. Long version: On Sep 12th, 2 weeks before the release of the new iPhone I received an email inviting me to upgrade. I called customer services and explicitly placed an order for a 6s Plus and agreed to a new monthly tariff. On Sep 24th I received an email from Vodafone thanking me for my 6s order. I queried with customer services to be told not to worry and a 6s Plus was on the way. On Sep 25th I took delivery of a 6s and not a 6s Plus. I called customer services who told me I could try and return the phone to store, but would most likely need to wait for a returns bag which I was told should be with me within a couple of days. 1 week on and I had not received a returns bag. Another call to customer services revealed a returns bag had never been ordered for me, but one would be dispatched. Extremely frustrating, but this time a returns bag did turn up. It was also confirmed to me I was due to pay for a 6s Plus and not a 6s, so appeared to be a "picking error". I received the returns pack and posted the unopened box back on Oct 7th, and can see via tracking the package was signed for on the 8th. No confirmation of receipt of return was given to me, despite customer services claiming I would be sent an email or text updating me with the status. On Oct 14th I called customer services to confirm they recognised I had returned the phone, which they did. I was informed I would be charged for the phone in my next direct debit payment. I asked if, given receipt of my handset, they could reverse this charge, but they said no. I was told the refund payment would be processed within 72 hours, but to this day there is no sight of the refund. I was given the option of cancelling the direct debit payment (including the contract payment), which I declined as I didn't want to end up in a situation where I was showing a missed payment opening a whole other issue. At this point I asked for my tariff to be rolled back to my previous contract terms, and was told this would be done. On 15th Oct I was unable to make or receive calls, despite having full signal. I thought this might have to do with a tariff adjustment. On visiting my local store to home this seemed to be a network issue that was resolved 3 days later, but over this time I could not make or receive calls via 4G. No notice from Vodafone on any network issues. On 19th Oct I visited a store local to my work to check on the process of my refund, my tariff change and my showing of eligibility to upgrade. Nothing had changed despite being more than 72 hours since I was told these changes would take effect. On 20th Oct I attempted to unlock my iPhone 6 which was now past its 12m contract date, only to receive an email saying I hadn't yet paid 3 months worth of bills on this device. It then became apparent my old phone had been linked to my new contract. A further visit to my work branch saw me have to repeat the sorry story again, and this time the sales rep sent an email to "HQ" telling them what needed to be done. I saw him type the email and it covered all the necessary points. Despite promising to keep me updated, this individual has not contacted me once with an update. The manager local of the branch local to my home has called sporadically but hasn't manage to resolve any of the key issues. On Oct 27th I sent a recorded letter to Vodafone head office, detailing the above points, requesting I wanted the above to be rectified; a refund for the handset and the excess tariff charge, to be able to upgrade my phone and to be able to unlock my old phone. It has been a week now and the letter has still not been signed for. I cant recall sending a recorded delivery letter and it not being delivered within a couple of days. I called customer services last night on 3rd Nov, explained my story again and was told it takes 72 hours for a refund and they had been promising this for nearly a month. I told her I had written a formal letter of complaint and would be seeking further action to recover monies that I am owed if not resolved, to which she hung up on me. Throughout this process customer service has been atrocious, plain and simple. Lies is a strong word, but it would appear I have been told false information on numerous occasions. No one seems to be able to help, and no one I have been able to reach in the company has any authorisation to override what is a relatively simple mistake, and a mountain has been created out of a molehill. I have spent hours on the phone to 191 and would estimate the average wait time is about 45 mins, and on more than one occasion I have been cut off. I will not hesitate to proceed with a small claims charge if need be. Vodafone have been quick to take money from me, and slow to refund, and have not refunded when they have said they would have. This has caused me some financial inconvenience as I have had to move money around to cover this handset charge that would usually be offset by me trading in my old handset. I would be extremely grateful if anyone with sufficient authority at Vodafone could contact me to resolve this (if this person even exists), and to also receive some advice on how I would prepare a case for a small claims court and what I should be looking to claim for. I would need to take a day off work, so would seek cost associated with this too. Beyond the financial aspects, I would like to receive an apology from Vodafone, for what is their error, but yet I am the one having to chase all loose ends to try and get a resolution. Thanks for taking time to read.

Hi all, I think I'm in quite a bit of hot water with this attack from PRA Group I've following the advice from other contributors in here & been through all the necessary communication with this DCA's solicitors & although very late in the day they have provided all that the court ordered them to evidence proof of debt, correct legal assignment etc. I was wondering if anybody would be willing to cast an eye over the evidence provided & comment on whether it is all in order or if there is perhaps any legal grounds to which I can defend myself in this claim based on any paperwork/contractual errors. The PDF links to the evidence provided by the claimant are attached. Any help would be greatly appreciated. Thanks, Mark

Hi, i was speeding on the motorway and wish t plead guilty and pay the appropriate £100 fine and take the 3 points. I have been waiting for the [/b]conditional offer of a fixed penalty notice[/b] It never came on the post?! Then I receive a postal requisition to be heard in court. Can I not contact NYP and state that i did not receive the offer of a fixed penalty notice? surely this is unfair to go straight to court if I haven't received the offer to pay via the fixed penalty notice. Any tips or forms or letters i can send as my response guys would be most appreciated? i want to pay plead guilty and have done with this but haven't had the bloody chance. We also live at a new house and our address is proving really hard to locate for many org/co. Lots of mail goes to another house half a mile up the road! Genuine reason and I want to clear this up and pay.

Hello all, I have only joined this forum today but having spent the last few days reading lots of other cases, they all seem to be subtly different to mine and I'd appreciate some advice. This is a long post, but for those willing and able to advise me, thank you in advance for your patience and I think the whole story is worth having. On 28th October, I sold my 10 year old Vauxhall automatic via an ebay classified advert. I felt I had advertised it at a fair price and with a fair description. The first person to look at it test drove it, liked it and bought it a few days later. There is (of course) more detail, which I will try to summarise here. 23rd Oct - Test drove the car, said he thought I had described it very well and that it drove well, but he wasn't sure whether the automatic gearbox was changing gear at the right points, essentially wanting to be at approx 2,000rpm before changing up. He said he was buying for his brother and would call back later, but didn't. 24th Oct - He called back saying he wanted the car and paid me a £100 deposit against an agreed price of £1,750 - that being reasonable for a top of the range 6-speed automatic diesel with all the bells and whistles and reasonable mileage. He said he would come back the following day to collect, but didn't. Interim - He asked me by ebay message whether the gearbox was OK or not. I responded truthfully that I thought it was, but I wasn't an expert and he was welcome to drive it again if he wanted to before purchase. It was changing smoothly and seemed fine to me. 28th Oct - Eventually he came back on the Wednesday night (quite late) with another brother (not the one the car was for) and accepted my offer of a second test drive. The brother drove it for an hour at all speeds up to about 80mph telling me he was a trader and had trade insurance to drive the car. They didn't seem sure that it was OK, but were comparing it to other cars (a 4-speed Merc auto and a 5-speed Vauxhall V6 auto). Having owned cars of those generations before I knew they are different but left them to make their own minds up about my car. Eventually, we returned to my driveway and it was clear they were still undecided. I suggested they might test drive a similar car (same 1.9 diesel and 6-speed auto) so they could compare and then they could come back before the weekend, when I was going away for a fortnight with work. I left them to talk privately in my driveway but they quickly came into the house, said it was OK, paid and took the car away. 29th Oct - Having heard that the V5 can be transferred online, I did this at 8am and then took the money to the bank and paid it in, only to receive a call around midday saying that he had taken it to a Vauxhall dealer near his home, who sent a technician out in the car and said the gearbox wasn't changing gear when it should. I wasn't convinced and made the point that I'd given him every chance to delay or cancel buying it, to which he said 'I know you did, it's just a bad decision I guess' but hung up when I pointed out that we had agreed that it was sold as seen. I didn't believe that it was actually faulty so I described the behaviour to the relevant owners forum and got back several owners posting confirmations that their cars behaved the same way. Indeed, the car has very little torque below about 1800rpm and changing up below 2,000 rpm would have put the revs too low to make any sense by my reasoning. While away, I received an eBay message stating that he has passed the car to his brother, taxed it and his brother is also of the opinion that the gearbox is faulty and that I knew that before the sale. He said he has spoken to Trading Standards and they have assured him that he has a case against me because the car isn't fit for purpose and I didn't advertise it as faulty. That isn't true or fair, so I need to respond formally saying so. Although still a bit jetlagged, I'm back now and I've spoken with CAB and their Consumer Direct phone service, getting the advice that the Sale of Goods Act (1979) applies only insofar as legal title and description (make, model, colour, features etc), but not fitness for purpose. I think the key questions are: Having been asked whether the gearbox is OK, my response was 'yes, I think so, but I'm not an expert, if you want to drive it again to be sure, please do'. In this case, if he can get a professional opinion that the gearbox is faulty after all, how is this likely to be viewed by a Judge in the Small Claims Court? Have I misdescribed the car by saying that it changes gear as it should even if in good faith and now in the knowledge that other owners have 'non-faulty' cars that behave the same as mine did when he and his brother drove it? Does the fact he brought a more knowledgeable person along to drive it for him the second time have any relevance? Describing himself as a trader, the brother drove the car for about an hour before (I assume) advising the buyer to part with his cash. I'm not the sort of person to rip anyone off. I wouldn't have offered it for sale if I thought it was faulty or would end up like this. Indeed I've bought cars in the past that turned out to have faults and it never occurred to me that I should seek redress from the (private) seller. Should I be offering him anything? Should I have him take it to a garage I trust (at my expense) to check it? If it helps, I can provide a copy of the advert. Grateful for your help. Many thanks, Ian.

Some driving examiners are planning to take strike action at various times from Tuesday 1 December until Friday 4 December 2015. Some driving examiners who are members of the Public and Commercial Service (PCS) union are planning to take strike action. PCS has planned action at various times from Tuesday 1 December until Friday 4 December 2015. DVSA is doing all it can to make sure that tests go ahead as planned. Not all examiners are union members, and many test centres are expected to be operating as normal. You can read further information on GOV.UK

Hey all, my Brother-in-Law went to an interview today with Company A. He is currently suspended pending a Disciplinary at Company B (over an accident in the workplace that severely injured my Father-in-Law). At the interview the manager conducting it said they would not be able to offer him the job because they know that he's under investigation at Company B, and went on to say he knew of it because he knows someone that works at Company B. Is he allowed to do this??

My daughter has received a pre-court action letter from First Great Western. It states that she is in breach of the Regulations of Railways Act 1889 and requires a payment of £84.70 within 21 days. £80 of this is a charge towards costs incurred. I am rather upset at this as she did try to pay at the station she departed from and was unable to as no staff were manning the ticket office - they had put up a sign - and no one came through the train during her journey to enable her to buy a ticket. Also just to confirm – she waited in the queue with 4 others until the train arrived into the station, and then there was a run for the platform. When my daughter arrived at her destination station – she was stopped and did not have a ticket. My daughter explained she did not have a ticket and the reason. She was not given an option to purchase a ticket, but instead the ‘Inspector’ took her name and address and this letter entitled Pre-Court Action is this next communication we have received. I am happy to pay the fare, and do not understand why this option was not offered to her when she explained about the unmanned station which has no ticket machine. I do have an issue with paying £80 for a template letter. I have a photo of the sign that was displayed at St. Erth station (where she got on), and records should show that a conductor had not gone through the train in the 3 stops she was on the train Do I have any hope of fighting the admin charge – I feel it is not representative of the time/effort of sending a template letter? Thanks in advance.

We had a quote for some wedding decor at a wedding by an events organiser. A formal quote of £2,000 was agreed and this was emailed to us. We agreed to this and sent a £300 non-refundable deposit by bank transfer. The organiser then decided to raise the agreed price to £3,000. We then requested that we weren't going ahead any more as the agreement had been broken. Initially the contact agreed to refund the deposit but is now refusing. We have made alternative arrangements and our argument is simple. She broke the original agreement by demanding a higher price after we had paid the deposit. She then agreed to refund the deposit. The agreement had ended. She is now saying that the agreement is still in place and she can either deliver what we want for £2,000 or not go ahead but the deposit is non-refundable. We say that the deposit is only non-refundable if we had broken the agreement. We are not using her as we have made alternative arrangements. All of these discussions are on text messages. I now want to send a formal letter before court action demanding that the deposit is refunded as our agreement ended when she raised the price after we paid it and later agreed to refund the deposit. One thing I'm not sure about is who I would claim against in the small claims court if it went that far. The events organisation isn't a company. Can we still issue the claim against the organisation or will I have to sue the individual we are dealing with (the payment was made to an account in her name)? If we have to target the individual can we use the business address as we obviously don't know her personal address?

Good day to you all. This is a little unusual but I hope someone can advise me on my legal position? About a year ago I started a Facebook group, it turned out to be quite popular and so I appointed some members as administrators to help me run it. One of these administrators asked me if it would be OK for him to design a new header/logo for the group to which I agreed. He designed it using a proprietry computer program, used public domain and royalty free images, the name of the Facebook group and also the accompanying website that I also registered the domain in my name. He has now left under a bit of a cloud and has sent me several messages regarding this logo, he has claimed it is his copyright and I have no right to use it. I told him to go take a running jump and continued to use it. He has now threatened legal action and has said I will be hearing from his legal representative. He has made the same threat to the remaining administrators, holding them jointly responsible. . The simple thing to do would be to change the logo but unfortunately we had it turned into a bumper sticker as well and several members have purchased one, they would quite rightly be a little miffed if we changed it. . So in summary, am I in breach of copyright even though (a) It contains the name of my group and my website? (b) He designed it whilst working for the group © It is made up of royalty free and public domain material? . Your advice would be welcomed.

Hi all, After reading through many reviews and experiences of the cancellation issues with Harlands - I wanted to ask a few questions before I took any action which would get me into trouble/involve admin fees. I joined Fit4less in in September for £17.99 a month (no contract). I did use the gym at first but have not had the time to go recently and so would like to cancel the membership. However, I would like to do it in a fool proof manner so I don't end up falling into the trap of such charges and admin fees, that I have read about. What I intend to do: Send an e-mail AND a letter (recorded delivery) to the gym manager informing me of my intention to cancel, and accepting that I will pay one more monthly payment (as per the notice period of 30 days). This final payment will be in November. What I would like to ask is about the contents of the letter - Do I need to include the direct debit details? And should this letter also be sent to Harlands? Should I expect a reply from the Fit4less or Harlands, confirming cancellation? The reason why ask so many questions is that I haven't actually come across any experiences of people who have done it 'the right way' and had no issues whatsoever. So I'm just wondering if I'll get hassled regardless of how I go about cancelling my membership... Thanks very much in advance

I was caught shoplifting some earrings from Topshop yesterday by the LP officer. I know what I did was totally wrong and I am completely and utterly ashamed of myself. I feel dreadful and I deserve the scare they gave me. They approached me outside the shop and asked me to come with them to the holding room. When there, I admitted I had taken a pair of earrings and gave them back. The LP officer kept asking me about a gold necklace that I knew I hadn't taken so I took all my stuff out and showed them I didn't have it. I was in a real state of shock and fear and had (honestly or maybe just in fear) forgotten I had taken another pair of earrings which he had thought was a necklace. They did not get the police involved or mention the police at all. They took my photo, name, and address from my driving license and gave me an exclusion order from any of the shops in the Arcadia group. I then paid for the earrings and was escorted out. The thing I am mostly concerned about is, would they (having dealt with it in house and by giving a ban to me) bother reviewing the CCTV tapes regarding the earrings I did not give back? And then pursue further action based on that evidence? The items were only about £5 if that makes any difference. I am so so worried about this. I have never stolen before and feel totally disgusted with my behaviour. Any help would be so so appreciated. Edit - I gave back one pair of earrings and paid for them. The other pair were in my pocket the whole time so I didn't give them back but the LP officer certainly suspected/knew I had taken something else. I was panicking so much I think I just completely forgot about the other pair. It's the fact that I didn't hand these over and think it will be on CCTV that worries me about further action.

Hi everyone, not sure how to make my own post, but need some help. Firstly I will say I am in the wrong for what I am doing but it is all down to a member of employment from the Ncp. I park in an Ncp on the regular, one day an employee told me to park in a disabled spot as there was no spaces, so I did this. On returning to my car I had a ticket on my window for parking in a disabled bay, even though I was told I couldy. I'll just say ever since then I have had a vendetta against the Ncp, and I basically drive out behind other cars without paying (stupid I know) well I've done this numerous times, and I have been recieving letters from the Ncp and now from dpr or drp? One of them. I am a little worried because on each letter that are asking for £119+ and I have received over 10-15 of these letters, they are also threatening court action? I know I am in the wrong but I need some help, should I ignore all letters from ncp and drp/dpr? Will they take me to court? Any help would be appreciated

Hi all once again, have a small problem with an eviction. I am with Amber home loans, have a self build mortgage on another property. Keeping it short I had an accident a few years ago that left me unable to work. In January run out of money and could not pay the mortgage. Struggled to find work again etc as injuries restricted me. Anyway bury head, get repossessed then ring Amber. Told eviction date of July 30th. I owe about 3800, paid them a 1000 up front, told them an interim from my accident was due in a couple of weeks which would clear arrears, they asked for bank statements, proof of work ( I am self employed) proof that the 100 pounds had been paid out of my account (just paid them on my debit card ? ) and then they might be able to do something to stop the eviction. The best bit was that they wanted all this the next day !!!!! What are my options now ? Thank you all

Need some advice please, sorry for the rambling post but its a long story. I stood guarantor for my daughter and to put it bluntly, the landlord has been nothing but a bloodsucker. I have cleared several lots of arrears as he has been charging £25 each for a letter to me and my daughter each time he notifies us of arrears. On this notice, he states that there is a £1 daily charge every day there are arrears but makes no reference to these other charges...(they are in the small print apparently)...so they mount up un-noticed until they put her back in arrears again and another letter appears adding £50 in total to his bill. My daughter complained about the thermostat not working 2 months ago and nothing was done, they rang me the week before christmas to clear yet more arrears and ask if there were any jobs before the christmas shutdown....I told them again about the thermostat. No visit came for repairs but 4 days after that conversation he issued a S21 notice giving her only months notice. To be honest,she has found somewhere else and is glad to be going but he then claimed an inspection had been arranged for which she had not been in and charged her another £50 for a missed visit. Have now received another letter claiming over £250 of arrears again despite me clearing them as mentioned above. We have now received a monstrous list of repairs, many of which are bogus but how can we prove it. He claims the carpets are damaged and need cleaning/replacing but it was his workmen who caused the problem 3 months ago when they did something in the loft and caused the mess and despite repeated calls he has failed to send anyone around to sort it which he said he would. He claims the cooker is damaged and will need replacing with a new one...the old one is exactly that..very old. He says the bathroom has deteriorated due to mildew but to be honest,there has been no damned heating to dry it out due to the unrepaired fault. He also says he wants rent for the future as he will be unable to rent out the house immediately. Looking at his demands,I am going to be hit with a bill for thousands as he intends to take me to Court if I dont settle his demands. She is leaving this coming Friday with her notice period ending the following Monday. Do I have any chance whatsoever of challenging any of these excessive demands as I do not have the cash. I am a home owner which they insist upon for a guarantor and its becoming obvious why now. Since asking around on local facebook pages etc, he has a terrible reputation for this sort of stuff and although I have to accept my responsibilities as a guarantor, I would at least expect him to be fair and honest about this. Help please.

Our property got repossessed by Cheshire mortgages and after complaining to the ombudsman regarding the way it happened ombudsman said is an issue that they will not get involved and has to be resolved in court basically. After that we got a call from Cheshire saying they sold the flat and there are several thousands of pounds outstanding but they were willing to work with us and lower the amount to 168 pounds. We told them that we found it strange that they repossessed the property for less money than that (and refusing to accept any settlement offer from us) and now they were willing to write off double that amount. He kept asking if we are planning to take them to court we said we haven't thought about it yet and that we wanted a full statement of the account and a formal letter with the redemption figure and how they arrived to that amount. For a few months they kept saying they send it to us we received nothing we told them that they kept saying they will send it again. Three weeks ago I called them again they said they needed to ask the team that deals with this to re issue a figure because our previous one expired. And that in 5 days we will get a letter. Today I called them to ask for the documents again and I said o received nothing. The lady on the phone said we owe nothing and the account is closed. I asked if we will receive a statement and a letter confirming that she said no. Are all the above normal practices? Anybody who knows more than us maybe can enlighten us? Thanks

Please guys could you help me to try and manage the situation that I have 14 days to sort out or be threatened with alleged Court ACTION. 1st Credit have sent me a threatening letter stating that a debt they bought from Barclaycard in 2006 needs to be paid or Court action pending. I have no recollection when I made a payment towards this debt and am not sure what I should do. ## Please advise what would be the next step as I have only 14 days.

Hi all, 1st post! I recently had to move my horse from a livery yard on the basis of his welfare due to the yard owners management. They since have retained £100 from my deposit. A written contract was also involved. I believe I have the deposit has been extorted and fraudulently held. Before I post the full story....am I in the right place? Are there any 'horse people' or here or is that irrelevant, as in, facts are facts so post story and we'll see if we can help? My biggest question is whether a Small Claims Court will deal with my case which involves a percentage of the deposit retained, bullying/harassment I received from yard owner before my Notice period had ended and the reason why I had to move the horse which constitutes 'unnecessary suffering' under the Animal Welfare Act due to the yards management. Thank you in advance

The UK Civil Aviation Authority (CAA) has launched enforcement action against Ryanair. This action follows a review by the regulator that found Ryanair is not complying fully with European consumer law designed to support passengers following flight disruption. Ryanair is now required to make policy changes or face the prospect of further enforcement steps leading to court action, if the airline remains non-compliant. The CAA has concluded that: • It is not satisfied that Ryanair is dealing with compensation claims for disruption caused by routine technical faults in line with applicable consumer law – this is despite the UK Court of Appeal (in the case of Jet2.com v Huzar) clarifying how such claims are to be treated and assurances given to the CAA by Ryanair; and, • Ryanair is attempting to impose a contractual two-year time limit, from the date of the flight, for passengers to issue compensation claims at court – despite previously publicly committing to a six year time limit and in spite of the UK Court of Appeal (Dawson v Thomson Airways) ruling that passengers have up to six years to issue such claims at court. Ryanair is now required to make policy changes or face the prospect of further enforcement steps leading to court action, if the airline remains non-compliant. https://www.caa.co.uk/application.aspx?catid=14&pagetype=65&appid=7&mode=detail&nid=2484