Hi all My apologies if this has been covered elsewhere, I have looked but cannot find an answer. A charging order was placed on my property 5 years ago by Welcome Finance, I was not required to make any monthly payments. I received a letter today saying that the entire debt has been sold to PRA Group and they are seeking to recover the debt. I was under the impression that as a CCJ, then a charging order had been granted, that the debt was stagnant until I sold my property. Could anyone offer any advice? Many thanks in advance. Emma

I had an MBNA credit card approx. 17 yrs ago. I sent a standard letter asking for information on my original agreement including possible ppi, charges, fees and interest. they sent me a very brief letter stating " Payment protection cover has never been applied to this account, therefore no premium charges have been applied". are they trying to fob me off? and if this is true should I pursue this claim to reclaim my charges (im sure there are numerous for missed DDs and late payments) please advise

Hi guys. just a quick one. i need some advise with regards child tax credits and working tax credits. Last year i was part of a joint claim for both above, during the claim period from Apr 14-Aug14 i was self employed not earning the best of money and nor was my partner. at this period we were entitled to claim the above benefits. I managed to get a permanent job based away so was told that due to when i start that job there would be a major change of income and that i was to inform the benefits people once i started that job on day 1. so i started the job told them we wanted to end the joint claim due to a change in my circumstances and the wage i was going to be on i would no longer be entitled to benefits for the remaining year, and was informed several times over the phone that before taking this job in august, any payment that was made benefits wise was ours to to keep as that at the time we were entitled to it. Anyway, I've just had a chat with the benefit renewal people as i need to know how to fill out the benefit renewal pack that will be sent out in april so that it shows my self employed wage for that period of the year that i was claiming. Now I've been told that they factor in my whole wage for the year whilst working out benefits, which means that every penny i received whilst being on a low income i have to pay back. my argument being, that if i earned 10 quid a week from apr till august I'm entitled to benefits. and if i earn a million a week from august to april clearly I'm not, but when it comes to the renewal what there asking for is my full income for the full year which will says x million of pounds, when clearly we weren't claiming for the full year, we were claiming for the early part of the year. my question is does this seem right, are they misinforming me, cos they misinformed me in the summer of 2014 before i took my permanent job.

Morning Everyone, I was hoping to get some much needed advice from anyone who may be going through or has gone through and claim with Barclays bank. To give you an overview of the situation; about 9 months ago my business account was frozen by Barclays due to a technical error which concluded in my funds going from £20,000 to - £3,500,000 overdrawn. During that period I had no access to any funds and no money could go in or out. As a result two contract which were signed and dated during the error were unable to be fulfilled resulting in a loss of profits close to £62,000 both customers being unhappy with my service (understandably as it took 4 months to resolve the issue with Barclays) have decided not to use my services in the future. Everything was clearly documented and sent to the FOS who put in a claim to Barclays for the £62,000 but was rejected on the grounds Barclays have within their terms and conditions a clause which protects them from paying out for any loss of business as a result of any internal or 3rd party errors. Clearly I am distraught as not only have I lost out of both of the contracts but I was also forced to close down the business during the four months it took to resolve the original issue. If anyone has any information it would be greatly appreciated.

Firstly, Thank you everyone for all your contributions on this website, I have read through most of it and it was of real help to my particular problem regarding CCJ. I have a query if you can help and advise. I received a CCJ in April 2014 for parking in one of the sites maintained by Parking Eye company during Dec 2013. The reason was that, I moved from my previous residence and all the reminders and court communication were sent to my previous address including the CCJ appeals form. I collected the letters from my previous address and since it was a court judgment, I immediately paid the £165 in June 2014. My credit file shows a CCJ as 'Satisfied'. Now the actual problem is, all my possibilities to get a loan or a mortgage have diminished and I am being perceived as a financial offender or a kind of fraudster by financial institutions. My Personal loan application was turned down and credit card applications were declined. This has caused a lot of trauma mentally and I cannot help thinking on it everyday. Everything seems difficult for me now. I am in a permanent employment and have never missed any payments. The only thing I can do is to appeal or challenge against the default decision since I didn't had a slightest idea about it due to the communication being sent to my previous address. Please advise if the appeal is possible now since I have paid the amount and much time has been lapsed since the judgment. Your advise will be of great help. Thank you

Sorry to have to use a 'reply' thread but I couldn't see how to start a 'new' topic. I have used the forums previously and have had great success. My wife bought a new car on HP in 2007. Unfortunately, we went through difficult times in 2008 and she defaulted with 'Black Horse'. The car was repossessed. sold and my wife was issued with an invoice for £12k. This was the 'defecit' that Black Horse say they lost. My wife has paid every month towards this debt. The debt has been sold on and sold on again. On 30th December 2014, I checked our credit ratings and my wife's had dropped like a stone. I was staggered to see a new company 'Idem Securities' who now say that she defaulted 'their' agreement and they have placed a new default against her name. The debt was defaulted in March 2009 and should one off (by my reckoning) in March 2015. Idem will not respond to any mails or written communication. The debt is 'defaulted' under the original HP agreement as well as by this new company. What can we do please? Stan

City Link customers are being urged to collect parcels from depots on Monday. The firm also said parcel depots would "remain open for a short period of time" to enable customers and intended recipients to collect their parcels. Sky saying one million parcels still at their depots. http://www.bbc.co.uk/news/business-30621884

I've come into some money and I've gone over the £16,000 threshold and I wonder whether there were any non-obvious do's and don'ts here? Also, I believe that the step down from £16,000 to £6,000 is done in £250 steps. Does anyone know how this is managed and handled? One could easily make that step in paying a bill. Would I have to continually be posting off proofs that I'd reached the next step level or is it assessed on a set interval time frame?

Unfortunately my business came to a pretty sudden ending, 2 dead months and things effectively stopped dead. The only real debt I had was £1150 to a Postage Franking provider for postage. I did agree to pay them £50 a week but in honestly it was too much and after a couple of weeks I stopped. I was just a sole trader so the debt is in my name. This morning I've received a default notice off them, its dated 29th May 2014 in an envelope dated 03/06/14 giving me 5 working days from the date on the letter to make payment via a cleared method. By my maths the entire thing is totally impossible and the date to settle has long passed. The letter states that they will now be adding interest and pursuing legal action, court etc. They also state that they will be be claiming damages. Can anyone advise the best way to go from here?, I am willing to pay via instalments more realistically i.e. £20-25 a week which I can afford but is there a way of going about this?. Should I keep the mess that is the default notice to myself?, its pretty much catch 22, even if you got it the day after the letter date to pay within within the 5 working days would be tight as cleared payment would take 3 days anyway. Any advice you can offer would be appreciated.

I had a visit off Collectica a couple of weeks back regarding a few fines that were out standing. He looked like a bodyguard with bullet proof vest and looked very scarey. He claimed he was from the courts and had a warrant to enter my property and take stuff to cover the debts. He was very understanding at the time but made me feel very little and under a very lot of pressure. I have a few questions if someone can help me out. 1) i thought bailiffs are not allowed to force themselves into a house. They need to advise you they are bailiffs and wait until you allow them in. Why did he barge past me at the door? 2) Is he really allowed to take anything he sees fit? including essentials? 3) I finally managed to borrow the money of a mate and paid some myself. On my bank statement the payment is showing up as Philips Collection Ltd. He did not tell me anything about a 3rd party company taking payment for him. 4) i moved houses a few times so i have no idea if i need to follow up any of these debts and need to do anything more. How do i find this out. I look forward to someones response

Quick version - i did not renew our tax credits for 2014/2015 as our circumstance has now changed and we wouldnt need nor qualify for them. Got a letter few weeks ago saying we had been overpaid, for the entire 2013/2014 claim, so 4.5 K In addition apparently an extra fine of over £1 k because i did not renew the claim to inform them i did not intend to claim any longer. I wrote back to them right away and asked them to explain how they worked all this out and also to dispute their decision. no reply to my letter, but got a new letter today basiaclly ramping up the debt collection side, saying they will pass me on to a debt collection agency unless i work out a paymnent plan I called them up, and they said yes they received my letter on Oct 23rd, but all enforcement action against me carries on regardless of any appeal or dispute. Apparently they wrote to me in the spring asking for more in depth details of my work, but i never received this letter, and thus when i did not give this extra info they decided my whole claim was thrown out .. and then also decided i owe an extra £1100 for not renewing. I spoke to a very obnoxious young man on the phone today who basically spoke down to me like i was a naughty school child. I told him i had written to them to dispute it, and he basically said " how can you dispute it if you dont know what your disputing " ... it was like banging my head against a brick wall with this kid. horrible little thing ! anyways, i have had to agree a payment plan with them... after reading the forums here i have sent an SAR to them but they just e mailed me and said they have 40 days to get back to me, in the meantime im guilty until proven innocent apparently. surely all this can not be right at all ?? guilty until proven innocent and even in that case not given a timeframe to prove my innocence

Last may the clutch in my vivaro van started slipping so took it to garage. i was told that the clutch AND gearbox needed replacing. With pressure of work and time schedules hanging over me i said ok. The garage charged £950 plus labour. Last week (12/10 ) the gearbox and clutch went on the way to work. I did not receive a written warranty but even so i think that this kind of work is only warrantied for 12 months? My feelings are that 1. a new gearbox was not fitted at all. 2.the gearbox was not fitted properly. do i have any rights? thanks in advance. shaun

Hello I am on JSA at present, have been for over a year. My wife works the hours of 30 hrs per week. I have two children 15 and 17 years if age. both still in full time education. Over the past year our tax credit has seen a large drop in payments. I did think this was due to our son leaving school and starting collage and hmrc would readjust the amount back up as he now attends collage and is still in education. 1. is this correct?? The other question is i have been given a sick note by my doctor as regards me being unfit for work. If i claim ESA and stop my cliam for JSA would i get any sick pay? Also how would this affect the tax credits situation. Please any advice would be really helpfully. I can not reliy on the advice given by the job center any more. please help

hi, i parked in a permit holders only bay for which i have a permit and there was a pole stating this right next to my car. next to the bay i was parked in was a disabled bay which had it's own pole with notice on it but also had a parking suspension notice on it. naturally i assumed that the parking suspension was for the disabled bay as the bay that was actually suspended had a pole right next to it which was about 2 feet away from the disabled bay pole. the suspension notice reads as follows: I******** road suspension of 1 car parking space side off 129 U**** Lane (not disabled bay) on 13/03/2014 to 19/03/2014 during the the hours of restricted parking for UKPN (i have no idea what that is) contaveneing vehicles subject to removal my first annoyance is that why wasn't the suspension notice on the correct pole which was 3 steps away from the disabled bay pole as i didn't even look at the disabled bay as i had no reason to i checked the board where i was parked and there was nothing untoward so i parked. secondly the section i parked in, the bay runs along three car lengths maybe even four along the side of 129 U**** Lane nowhere in the notice does it state exactly where the 1 car parking space is suspended it could in my opinion be any of the 3/4 spaces. should the notice not have stated bay adjacent to disabled bay or first parking space after disabled bay to make it clear exactly which spot was suspended? your help is highly appreciated as through your expertise i have won two appeals i think. thank you very much.

Please help... My company went into liquidation last week with help from a insolvency practitioner and as we know help sort out creditor issues ect.. . meanwhile i received a CCJ from a creditor who refuse to deal with the insolvency practitioner. i spoke to the creditor and they say i am solely liable for money owed, i ask hows this possible when my company was a limited company, they replied '' you have signed a sole trader/non limited personal account trade account form'' cut story short i did sign this for personal reason and they sent me a copy of the old trade account that i signed with my name and personal address on however, i did sign another form for my limited company shortly after with a different company address and all invoices are sent to the company address with the company name on it... i have asked to see the copy of the recent trade account application but are not replying to my emails how can they make me liable solely

Hi I was still under the impression that if i drove off before the pcn had been complete it was not valid. Turn out after getting home and looking it it its not so here is my situation. I stopped in a residents parking bay to get directions was gone maybe 2 mins max i had to walk about 15m up the road to find someone to ask on the main road. I arrive back to my car and see a CEO in the process of writing a ticket out as i was still under the impression that you could drive off and the ticket could not be served i simply just got i the car and drove off. At no time did the CEO try to hand me the ticket/stick it to the screen or try and prevent me from driving off. Anyway i got a ticket i the post and im pretty sure i have no ground for appeal but would like to try anyway. So after a bit of research i found this Link Here and think my only way is that the ticket may be invalid. It states Tickets issued by post must also state the motorists right to view evidence as per regulation 3 paragraphs (5) and (6), as required by regulation 3(4)(e) of the 2007 representations and appeals regulations. As you can see from the attached images there is no mention of evidence and from tickets i have seen on here they all show photo's of the offense. Would you guy's mind having a look over the ticket to see if its a correct valid ticket. Think i have attached images

Hi, Im not sure where I should be posting this but here goes. I am a 2nd year mature student and last year got full dependents grants as I have two children, both of which need childcare while I study. This yesr however I am having major problems in that Im apparently getting much less (nearly £7000) even though my income this year is actually lower than last. If anyone had had the displeasure of dealing with the SFE advisors they will know how frustrating it is to get a straight answer on thresholds and entitlement. I was wondering if anyone knows what calculation they use for the dependant grants so I can try and work out why its much less this year. Im also really afraid that I must have had an overpayment last year since my income was higher but I got more. I just cant get a straight answer out of SFE and the not knowing is driving me to distraction. Any help massively appreciated. Dizzy

Hello, I rented a property directly with the landlord (no agency involved). The contract was for 1 year from may-2014 to may-2015. I have got a job somewhere else and unfortunately have to move. I discussed this with the landlord and he agreed to let me find a new tenant (and I pay the rent until the new tenant starts). This is all Ok. However he is saying he would take all my deposit in lieu of the breach of contract. The point he is referring to in the contract is: "In the event of the tenancy being terminated by the tenant before the end of the term the tenant shall pay the full cost of re-letting the premises to include any loss of rent incurred by the landlord as a result of the tenant's breach and the agent's fees normally payable by the landlord until the end of the term and the tenant shall remain fully responsible for all terms of the current tenancy until a new tenancy commences". Is this correct on the landlord's part to take all my deposit as I've agreed to finding a new tenant (as no agent was involved) and pay the rent until the new tenant comes in. Is the landlord eligible to claim the agent fees from me for re-letting considering he is not incurring any costs for re-letting and there is no agent involved. What are my options? Will the landlord be eligible to claim agent fees if he decides to go with one? Thanks Best Regards, Smith

HI all. I have received a CCJ whilst abroad for several months. Though there was a judgment for claimant letter on my arrival there was no sign of any court forms. I have applied to have the CCJ set aside on this basis. From reading other posts, it appears I will need a to convince the judge I have a reasonable defence before a set aside can take place. The debt is from a Nationwide credit card. Original agreement would have been a signed agreement rather than through the internet. It was established over 10 years ago. The default occurred just under 6 years ago, so statute barred in not an option. I have never seen a Default notice, though I have moved home several times, so this does not mean one was never issued. I have never requested an original copy of the Credit Agreement, though I doubt the DCA have this, given the time span. The Credit Card Default notice would undoubtedly include punitive late fees which are not legal. Would this not render the specific of default amount invalid, and as such any claim for that specific amount? Are the DCA still obliged to provide copies of the credit agreement even though the CCJ has already been issued? I will need a case to present before the judge other than "I am hoping the DCA do not have a copy of the CCA and therefore have no claim to this debt". Any advice very welcome. Thanks in advance

Hi there. My son and his partner are joint claiming Jobseeker's Allowance. I hope someone who has Jobcentre experience can help me out. We have a two part question - first part is relating to appointment scheduling, and the second is about funding for training. I'll stick to the question about scheduling in this post. Their normal signing day is on a Tuesday in the a.m. However, at their last appointment 2 weeks ago, their Jobcentre adviser told them that he was going to be absent from their next scheduled fortnightly appointment due to a training course he had to attend. So, he said the next appointment would be scheduled for the following Friday. He wrote in both of their "My Work Plan" booklets, on the appointment timetable, that their appointment was set for Friday 25/07/2014 at 09:00 and signed his name. Fast forward to today 23/07/2014 and my son telephoned their adviser directly to speak about funding for a training course. Adviser said he was "just about to call" himself as my son and his partner had missed their Tuesday signing appointment. Son explained what he had told them, and also what he wrote in their work booklets, at their last Jobcentre appointment. First of all, the adviser did not comment on this. He simply stated "You should have come in on Tuesday. You need to sign every 2 weeks." My son kept his cool and repeated why they had not attended. The JC adviser then sounded a bit flustered and gave two "sorry"s in the middle of a garbled sentence about their being some confusion. He then asked if my Son & partner could attend later today - they confirmed this was convenient and attended. At the appointment, adviser said "they have some paperwork to do. But not to worry - it's for me, not you!". He clicked onto a screen on his monitor and then posed the question to them "Why did you fail to attend your last Jobcentre appointment?" then paused for a verbal response from son. Again, son repeated what he had just explained on the telephone. He also directed the adviser to the page in their booklet with Friday's date/time and his signature. Adviser then typed a paragraph or two summing up what had happened. The title of the screen on his computer was something akin to "Give the reason why you failed to attend your last appointment". At this point, son asked adviser if this could negatively impact their claim for JSA? Adviser said (cheerfully) "Very possibly!" and that after he had typed this up, it would be sent to a decision maker and it was now out of his hands! Son then asked, given that the Jobcentre now informs them that they should have attended on Tuesday, should they also attend Friday's scheduled appointment? Adviser laughed and said no, "we wouldn't make you come twice in a week!". What should we think about this? Adviser said the decision should be made soon and we would hear back reasonably quickly. It's totally unfair and it seems like constructive dismissal to me. Any advise would be very gratefully received as we would like to get a head-start in case of a sanction.

Hello. I have read many threads on here on brighthouse over time and now needing help myself. I have a fair few agreements with brighthouse making the payments £73.19 per week! Stupid me, yes I know. However I got myself in to a few problems when my partner was out of work and we sold everything to make ends meet.. However he is back in work now, but we're struggling making the payments. I contacted brighthouse and decided to be open with them and explain the situation and ask if I could set up a payment plan as I still want to pay but can not afford the amount. I was made to feel like a child. I have rang them back today well the 0800 number for customer relations. As I want no dealings with my store. They have told me they need a budget plan well whilst I have done one, my monthly leftover is £73 a month! I am petrified if I miss a payment and they turn up at my door.. I offered £25 a week. I was told no. I will have to beg borrow and steal to make any extra money each month to pay them. I am at a loss at what to do now, I can't take food out of my childrens mouths to please them, I know full well I did wrong. But I am trying to sort it, however they don't seem to be compliant or helpful at all.

Hello can some one help i have applied to get back ppi on credit card and loan, the credit card i defaulted on a few years ago and are paying it off via a debt collection agency, if i get ppi back will the bank take the money off me or send me a cheque, the loan i paid off years ago, but the bank i still owe monies to, which are with debt collection agenies, any advise would be great, also i had a mortgage back in 1991 till 2005, i had Mortgage protection insurance from 1991-1995, which was stopped by my partner of the time, the mortgage was in joint names, but the mpi only in his name, can i claim it back.He his now dead.

We have received an eviction date for the 5th June 2014 after being behind with our mortgage payments. A year or two ago we were taken to court and the judge ordered that we paid an extra £46 a month on top of our payments. Unfortunately we also had some rental arrears on our shop and the council ordered us to pay £100 per week. We are almost at the end of paying the rent arrears but having to pay it meant that we couldn't always pay our mortgage. I have been speaking to Topaz Finance for the last few days and have been struggling to come to an agreement - I have proposed to pay £375 this month (our base payment is £256,) and £450 next month and £500 on subsequent months but they are sounding like this is unacceptable. I am due to hear back later today but it doesn't sound good. What are my options if they decide that my offer isn't good enough? Thanks

Hi all, My first time posting, although buying a lot of stuff online, I've been lucky never to have had a bad experience until my first order with Wilkos! I have never complained about anything or had such shockingly poor service that I'm really unsure how to proceed. Would be really grateful if you think I'm being unreasonable, or how I should proceed: I ordered 4 items at a total cost of £300 from the Wilko website about 3 weeks ago. • After a week of ordering, I still hadn't heard anything from Wilko so contacted them • I contacted the couriers directly to arrange delivery after being on hold for nearly an hour, as Wilkos hadn't given them my correct number •I received no communication from the couriers regarding time slots •The delivery arrived on the designated day, but the couriers only had 1 of the 4 parcels (a dining table without the chairs). •I contacted Wilkos immediately who said they would investigate •After waiting 24 hours, I hadn't heard anything so recontacted them, and got the same response •Another 24 hrs later, I demanded to speak to the team leader who arranged for a repick and for the order to be redelivered on Fri morning - I confirmed this would be ok, but stressed that due to work commitments, it would have to be a morning slot •Fri morning, I waited around, no sign of couriers by 11am, so phoned Wilko who said, no they're coming in the afternoon!! •So they said they would rearrange the delivery for Sat morning (today) •No sign again, so phoned up (yet again!) and turns out the delivery isn't on the lorry this morning I'm pretty irate by now, and ask for a cancellation of the order. They said they could only refund the order in full if I return the dining table. I can't afford to spend yet another day waiting for the couriers to pick up the table to get a refund and it is useless without the chairs. They are willing to give me 50% off the full price of the table, but as it's part of a set, actually the price I paid for is considerably less than what they're offering. Plus I can't really do much without the chairs! Sorry to ramble, but am I being unreasonable to expect them to just refund my order in full and just let me keep the table? I wouldn't bother asking for compensation for the two extra days had to stay at home, just want my money back and never have to deal with them again. Any help would be appreciated.

Hi I'm new to this site, but have read some other posts and am hoping somebody may be able to help. My partner is a self employed Carpenter. He was recommended to a company by somebody he's worked with previously and completed 11 days labour for this company. The company paid him for 6.5 days, but despite numerous reminders and informing them we would seek a CCJ if payment was not made by today, we have not received the money owed. I tried to submit a claim online, but I have no address details for the company. The company website provides a telephone number and e-mail address and there is the option to submit an enquiry form, but no address is listed. I have checked Company House and it's not listed on there. The company is run by one person, so I assume he is a sole trader operating under the company name. We have tried contacting the owner by e-mail and telephone, but he does not answer or respond. We have also tried asking the person who recommended my partner if they know the address, but unfortunately he does not and is no longer working for the company due to a number of issues including payment. I'm now at a loss as to what to do. My partner is owed £568 net and we provided my partner's CIS card for tax purposes, so he should have paid £142 to HMRC. Help/advice would be grately received. Many thanks Sarah