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  1. Hi, I'm new to the forum, but have been a long time lurker. First of all apologies for how long winded this is, but I hope I include all the relevant information. Alleged card debt from card taken out in 1998. Alleged debt approx £5k. Card sold to IDEM Capital Securities August 2012 Alleged Card default August 2013. Idem Capital Securities assigned alleged debt to Arrow Global November 2015 About three years ago I received multiple claims for alleged credit card debts, and with the help of this forum managed to get one claim dropped and ended, one victory in court and a few claims stayed, so thanks for the help there! Anyway, one of them doesn't appear to have gone away, and Shoosmiths appear to be applying to Northampton County Court to get a stay lifted and have my previous defence struck out pursuant to CPR 3.4 and obtain summary judgement pursuant to CPR 24.2 they claim I have no grounds for defending the claim. This was my original defence: So my defence was submitted, along with two other defences on the same date. Nothing further was received from Shoosmiths or the courts, and the claims were stayed. I should have asked to have them struck out, but I wasn't fully aware of the procedures, and couldn't afford to pay anything to the courts. So roll on two years and three months, and Shoosmiths start writing to me again, saying they did not receive my original CCA request or CPR18 letter in 2016 (funny how two more were received, and returned, and they were all sent in the same recorded delivery envelope!) They now claim they have provided all of the relevant information, and I still dispute this. Their alleged agreement is an application form for a card around the time I had allegedly taken out a few credit cards. Their "terms and conditions" is a reconstituted partial list, it even says for items X,Y,Z refer to your terms and conditions! They then have another set of terms including MBNA web address details, the web address didn't exist in 1998! Their letters also refer to one credit card number, then it changes to a new card number that they have assigned, which to me just points to multiple pieces of incorrect or fabricated information. I chose to ignore all of this further correspondence, as the claim was stayed. Then earlier this week, they have sent a further copy of this "information" along with a covering letter to me as follows: This covering letter includes a copy of their N244 Application Notice to lift the stay and all previously submitted information. Again, apologies for the long winded post, but I ask, how should I either try to stop this dead, or again defend? I am actually happy to attend court if it comes to that. I read on one of the other threads that this could be submitted. Would I be able to use it as a reply, as it has taken them over two years to get incorrect information that they think they can use in court? If anyone can reply, I'd like to say thanks now, and I will be extremely grateful. Will come back with the results.
  2. Hi Guys, Need some help i was on DLA mobility low rate which was due to review December 2019. My GP referred to community health support worker who advised me to apply for PIP as i have high chances getting care and mobility higher rate than low rate mobility due to my mental and physical illness. I was little bit hesitant as i heard a lot of horror stories about PIP rejection rate. Anyways my health support worker rang DWP and arranged a home visit to fill the PIP form. A lady from DWP came to my house on 13th August 2018 and filled all the paper work and contacted DWP to apply for PIP over the phone. The DWP lady also advised that i might receive another PIP form which she advised me to ignore. After 10 days i received new form which i ignored but after 3 weeks i received another letter telling me that they still not received the form. I rang DWP and told that the from already filled by DWP lady after searching on their computer the lady over the phone told me that they got the form but it still not scanned to put on their systems, the lady over the phone also advised that it should be on the system by two weeks and i should contact after two weeks to confirm. After that i was bit relaxed and i totally forgot to ring them back, now i received their letter saying that they rejected my claim is i failed to provide further information. One more thing i never received any further letter from DWP apart from the form which they sent to fill in. The date on the letter is 10th of october and i received the letter on 18th october and i am abroad seeing my parents and coming back 12th of november. The dead line will be finishing 10th of october, i do not know what to do now its not my fault they messed up with my form they also said in the letter that my DLA will be stopped from 23rd october. Thank
  3. Hi all, So after being left alone for more than 4 years despite their view that I'd be fully recovered from my genetic condition in 2 years, the dreaded envelope finally landed on the doormat this morninng. Absolutely perfect timing as it's been hanging around in the ether for 6 days so I basically have 3 weeks to return it with a family reunion event this weekend, my son's wedding the following weekend previewed by various family members arriving and wanting entertaining and followed by a 2 week holiday - we get back 2 days after the form is supposed to be in, and whilst we're away the renewal form for my PIP should arrive. For various reasons, it would normally take me 4-6 weeks to get a form like this done, and DWP know but haven't bothered to tell whatever the tossers are called now that I need an electronic version of the form, though I'm sure I'll be able to locate one online somewhere. I know I'm not going to starve if we end up in a fight over this so I'm much better off than most ESA claimants, but even so I feel sick and I'm shaking. After the last fiasco with ESA then the repeat with PIP, I feel I have every right to be scared about what this will do to me this time. For anyone interested, my previous ESA thread is here :- https://www.consumeractiongroup.co.uk/forum/showthread.php?337937-IB-to-ESA-migration/page16 and the PIP thread is here :- https://www.consumeractiongroup.co.uk/forum/showthread.php?452510-Blatant-discrimination-by-DWP-RENEWED-FOR-3-YEARS
  4. Hi guys just hoping for a little advice. First off I will give you a little background I am disabled and have congenital spinal deformities etc I was Medically retired by Her Majesties government back in 2009 due to my condition serverly worsening etc. in 2016 I had an op on my spinal cord because to release certain nerves etc and the day after my release had to go for a medical for the DWP, passed that but then 4 - 5 months later had to go for another , again another 5- 6 months later into 2017 had to go for another again passed that . Yet again they have decide to send me for another one even though I have sent them all my medical info my medical retirement info which they done yet keep wanting a medical ... I wonder if they know that congenital problems don't fix them selves. My main question is this normal ? I've sent evidence which shows i have bladder and bowel issues which i use devices, i use a wheel chair, my MRI results and letters from consultants etc
  5. Ill start by stating i have never had any dealings with Lloyds Bank in my life but they have registered accounts on my credit report. There is two accounts on my file one mortgage for an address which is not mine and also a credit card again which is not mine. The mortgage is in serious arrears and the credit card is listed as defaulted.I am also receiving debt collection letters. I have had problems with Lloyds in 2010 - 13 where they also had a CCJ against me. They also sent a letter from there solicitors to my address stating i was a fraudster. (see attachment) I managed to get things erased from my credit file eventually through a lot of hard work , and eventually i went to the newspapers and FOS who helped me sort it. I received a disgraceful amount of compensation for what they had put me through and now they have managed to wreck my credit file again. I have sent SAR off and i am awaiting response. Again this is for a person with the same name and DOB as me but this person has a middle name and i do not. Any help or similar experiences with this kind of thing would be good to know so i can again chase them. Thanks. Sorry attachment here from mentioned above. see my other links https://www.consumeractiongroup.co.uk/forum/showthread.php?488056-Barclays-default-not-mine-!!!&p=5129009#post5129009 Lyons Letter.pdf
  6. Morning everyone. My wife this time receives the attached. The ticket was placed very carefully on the dashtop correct side up. Whats the best way forward please. Many thanks CCF14062018_00000.pdf
  7. The other half's PIP is not due for renewal till next year (the end of april I believe it is) however he got a phonecall last week to say he hadn't replied to a letter he had never received saying he was to go for assessment. Now I'm raging about that to say the least as they are not supposed to contact him by phone on instruction of myself and his GP but that's a different issue. We are obviously going to have all the same issues we had a few years ago with regards to him getting a home assessment rather than going to the assessment centre. And given their 'health professional' apparently thinks he is not on any medication for mental health, only for pain when he is on max dose anti-depressants, I do not hold out hope for this going well. However my question is, given we are almost 11 months away from him actually needing this reassessment, is there any way to get it delayed even slightly? We are in the middle of moving house and I am actually off on the sick right now so the timing is just awful. We are moving out of the area we were in so that means all the health professionals he currently sees will be changing very soon. the stress of the move and the idea of moving away from health professionals he knows and trusts is more than enough for him to be dealing with right now without ATOS or whatever they are calling themselves these days joining in. Even if I could get it delayed till I have a new GP/CPN/Psychiatrist sorted for him that would be a huge help I think. is it worth asking the DWP for a delay? anyone have any experience of this?
  8. Hi. I'm in a similar boat to others. I was stupid not to read the small print and cancelled my gym membership in December 2017. Since then I've been plagued by calls and texts and now electronic messaged left on my voicemail. I am tempted to write to CRS but am reluctant to start. I'm wary of giving them my address but I'm sure Xercise4less must have it as I had a contract with them. I think my fees are now up to about £200!! Should I continue to ignore it or send them a letter asking them to stop? Thanks in advance for advice
  9. I joined the Swansea branch during 2014 and am certain that I went down to the branch, filled out the cancellation forms and cancelled the membership before I left. I've only just now been going through my financial statements and it turns out even after 3 years Harlands are still charging me the £9.99 a month. I am trying at present to cancel my membership once again through the online cancellation form on the website of xercise 4 less; but I keep getting runtime error. There is no way for me that i can see to contact either group through emails. I also cannot login through the onsite portal to see my profile; as although my email address is correct; it still says I have no details relating to that email address. Any help or advice would be greatly appreciated. I would love to get my money back considering I already cancelled but if I just did something wrong and had to cancel harlands payments through direct debit itself then fine - ill write it off as money lost. Just would love to get rid of them.
  10. hi, i had a membership with xercise4less in late 2014/early2015. i was sold this membership with the understanding that there was no contract and that it was a flat rate of 9.99 per month and that cancellation was simple. i used the gym for a few months and then was due to be out of the country for the best part of a year on ops at with work. i called the gym and asked if i could cancel my direct debit and that id restart when i got home. i was told that this wasnt an issue and my membership was terminated and that was that. a few months later i realised that the money was still being withdrawn from my account i called again and again i was told ' yes, cancellation is confirmed'. a few months after this, the money was still being withdrawn from my account and at this point i cancelled the direct debit. i heard nothing after this. until i got home to some red headed letters from harlands and crs demanding over £200 in unpaid fees and admin fees. i tried to dispute this but received no reply from xercise4less i reluctantly paid it (early 2016). id heard nothing since. The past few months ive been hounded by crs with calls, emails and letters demanding almost £200 in unpaid membership fees. after explaining and them confirming that i had already paid these fraudulent fees, i was told that i still had to pay as there was still a contract. i called xercise4less and was told that i hadnt been active on their system since mid 2015 and they would try and sort it. i heard nothing for a few weeks assumed it was done with. a few days ago i got an email from crs demanding money i emailed xercise4less again and have been completely ignored but im still recieving voicemails etc from crs asking me to set up a payment plan... **crs** I have emailed the manager at xercise4less, again. I am trying to sort this as fast as possible but as usual, they appear to be using their usual tactic of ignoring people until they give in and pay. I am only one of hundreds of people that have fell victim to their staff incompetent, fraudulent business and complete lack of moral fibre. I will be in contact as soon when/if they decide to speak to me. From: Sent: 19 February 2018 11:13 To: Subject: CRS Ref No: ,,,,,, Dear Mr .... Re: CRS Ref No: ..../ Xercise 4 Less Ref No: ...... Further to your recent email, It is true that you have not had a contract with them for a number of years, but this debt has been outstanding for a number of years. We have been passed your file by Xercise 4 Less in regards to unpaid arrears due under the terms of your Membership Agreement. On you entered into a Membership Agreement with Xercise 4 Less. You agreed to pay £9.99 a month and give a months notice when you wished to terminate your Agreement. Xercise 4 Less have not received the relevant notice from you to cancel your Membership, but payments stopped in Autumn 2015. As your payments were not honoured and you failed to rectify your breach of Agreement charges were applied to your account and your file was referred to ourselves. Please contact us within the next 7 days on 01444 449165 to discuss repayment of your balance. Yours sincerely, David Castle Collections Department **xercise4less emails** I’m still receiving emails from this debt collection agency. As said in my previous email, I had already paid an ‘outstanding balance’ of over £200. I had been told by your reception staff numerous times that my contract was cancelled. Can you please contact me regarding this. I know I am only one of hundreds of people that are in this situation, brought on by what I can only assume is staff incompetence. As such an amount of time has passed, I can only hope that the current staff has had proper training to stop this fraudulent behaviour happening to other people. Please reply asap as I am being hounded for money that I have already paid, for a contract that has been cancelled for 3 years. Many thanks thank you if youve taken the time to read this far. all suggestions and advice are greatly appreciated. many thanks
  11. Hi i need help. I applied to take my employer (major big employer) to employment tribunal. Their 28 days to respond was up today. I rang the tribunal centre before they shut at 5pm and they said to their knowledge they had not recieved anything from the respondent. They said it was possible if theyd only sent it this afternoon they might not have picked it up so check next week. If they have not responded they can apply to extend the deadline? In what circumstances can they extend it? Ive read that they dont even have to say why they did not respond? I dont know if they are just trying to drag it out but it doesnt make sense that they wouldnt fight it. Its a massive case, im representing myself and im going to prove they are guilty but if they werent able to have a say it would make it easier
  12. Came home to a letter dated 1/9/17 from Excel informing me my "account" has been passed to BW legal, and a letter dated 1/9/17 from BW legal stating same. It's an ANPR PCN, date of contravention 25/6/17, contravention - "parked without purchasing a valid pay & display ticket", location - Peel Centre Pay & Display Car Park Stockport, balance due £160 (£100 PCN charge plus Excel's "initial legal costs of £60", ha ha, very funny). "As you have failed to make a payment or raise an appeal within 28 days from the date of the PCN, the Balance Due remains outstanding and we require payment in full within 16 days from the date of this letter. If you fail to make payment or provide reasons for non payment blah blah legal proceedings blah County Court blah CCJ blah blah future creditworthiness and employability blah" and so on. The letter doesn't state where the vehicle was parked, for how long, why the ticket was invalid (wrong reg? expired? by how long?). I haven't received any previous correspondence relating to this. AT ALL. I wasn't the driver, and wasn't at the Peel Centre that day. The driver got into a tizzy that day, couldn't remember the reg (to enter at the ticket machine) then couldn't remember where she'd parked the car, and now can't remember whether or not she even bought a ticket, had anything stuck to the windscreen, or how long she was there for. Is this a simple one line denial letter job or what?
  13. Have received a letter from MMF addressing me by my former surname (renounced in 2009). "We write further to our previous communications [blah blah] yet to receive a reply. If you have more than one account with us, you will find the breakdown enclosed." I have received no previous communications regarding the customer reference number given, there is no breakdown of the alleged debt, nor even a hint as to who the original creditor might be. The "balance" (£350.00) is also suspiciously nice and neat. I've dealt with these muppets before when they re-defaulted me for a fictitious Cash Genie default. Could do with cutting to the chase with them to avoid similar hassles.
  14. Hi folks. Just a quick one. I've recently been made redundant, and Rosendale's bailiffs are swift on their heels coming to collect debts. The problem is I owe money to three creditors: HMRC, a parking fine, and a court fine. Rosendales are collecting the debts on behalf of all three clients. My question is, is this allowed? I thought a single agency can only chase an individual for the debts of one client; or have I misconstrued information somewhere? We're struggling terribly financially at the moment and Rosendale's agents are visiting at least once or twice a week. Three different Rosendales bods for three different debts. If I pay one then I still lose out to the other two. I'm in a no-win situation here and feel it's wholly unfair that I'm being harassed to the extent I am at the moment. To add, I've also got a disabled teenage daughter who's 19 years old living with us and she's about to have her first child any day now. The pressure we're under just to eat and pay for the roof over our heads is bad enough, and these leeches are making life almost intolerable. Thanks in advance for any help you can offer. Cheers. Craig
  15. Just a quickie I think: I'm preparing WS for my wife to be issued tomorrow, Lowell (J D Williams) 1. Agreement sent has no date, credit limit or signature 2. Agreement is for Fashion World not JDW 3. T&C's are for Ambrose Wilson not JDW or FW 4. T&C's are dated 24/05/10 5. The above does not correspond to the agreement. 6. Lowell are unable to lace original default notice so no proof one was even issued correctly. Are these issues valid in our defence. Any thoughts? Debt is for £400 and court date set for July. Thanks
  16. This is not for me but for my ex partner In 2013 she got a claim form for on old Three debt (sent to my address she she had not lived for 12 plus years) I helped her with the claim form and to cut the story short she went into mediation and agreed a settlement. Which she paid by DD to the account as specified by Lowell/Howard Cohen. So all paid up and completed, no CCJ, no action, no more letters. Now jump forward to 2017, letters start coming through my letter box from Lowell for her, which I pass on. They claim the debt is still owed, they have CCJ and now if she doesn't pay up (again) they will enforce the CCJ they think they have. Any advice I can pass on. There have been a number of letters now and I am thinking that she goes for harassment?
  17. Hello all- I've been reading a million MBNA related postings and while I broadly get the jist, I am really looking for a concise 'step by step' action plan. I have had an MBNA card for many years (probably 15 ish in total). The credit limit (was) high and the balance has gone up and down. Around 7 years ago, I foolishly injected cash into my company with the card as a 'temporary' cashflow prop. I never repaid the sum but continued to pay the minimum payment (the company failed a few years ago). Last month, a payment was missed - genuine stupid error while I was out of the country and wasn't looking at my bank account. MBNAs reaction has been extreme. There were at least 30 missed phone calls. Many letters, the last one was withdrawing the facility - I had made the payment (about 2 weeks late). I spoke to MBNA about lowering the interest and potentially paying the balance more quickly. They were entirely hostile to this idea. Actually, they were hostile generally. A fag packet calculation tells me that I have more than paid the balance in interest (actually double the balance!). My view is that MBNA have had their pound of flesh. They have already doubled their money and I need to get rid of this unnecessary monthly outgoing. I have sent my £1 postal order and my CCA request letter . And I have to admit that I have cancelled the direct debit for minimum payment. I don't need any credit for the foreseeable but equally don't want a completely trashed credit rating. What should I be looking for in the CCA? Ultimately, what manoeuvrability do I have to get rid of this card at a reduced / write off rate? I can't remember how I applied for this card in the first place so have no idea what evidence will be forthcoming in the CCA response (if I get one). Having paid double the original borrowed sum back, I don't feel that I am behaving unfairly in wanting to make this go away now. Thanks in Advance.
  18. hi all, i am in a bit of a panic with this lot and hoped someone can tell me how Blemain function with there charges, ,i have two secured loan accounts around 4 years ago i fell behind with payments, i have since cleared this up however it has left me with charges of £1000 on each account which are collecting interest. i phoned them today because at minimum i really need to cover the interest at least to stop them increasing, if i make a normal payment via online it wont come off the charges it comes off the account balance, this was said today over the phone, i have to make a phone payment and request it comes off the charges, i ask on here where are the charges if there not on my account balance do they make a sub account for them? i would be most greatfull of any help with this, one more thing, is it worth going to the FOS to try and get them to dump these charges i have had to post an update to my post, i have spoken to blemain today and my charges are separate from my main accounts and have arranged to at least cover the interest on the £2000 by paying something in monthly, that's no problem and my accounts are maintained however the loan balances on the two accounts have hardly come down over the last 6 years and i nearly owe as much as when i started off, ,,why is this when i paid the arrears off and the charges are separated from the balance, ,,im at my wits end and its making me ill if anyone can assist with any thoughts please do so as i dont know what to do thanks in advance
  19. Lodhi finance limited was liquidated in september last year. However the director has previously done the same . He did this with rasul finance limited same address and bought out the debt ledgers via a business named Crawford Business Services . This was not a limited company but was one that had been set up as a transfer vehicle. Once Crawford businees was assigned the ledgers then Lodhi finance Limited bought this business out for £30000 and persued the unpaid bedts that had been mounting up at a rate of 39.9 % per annum. This meant a lot of people lost their homes etc. However it seems that the directors are the same and also the same time spans etc. This time the fsa have had the business shut down. However if there are people around who were mucked up by his [problem] or what ever you would call it. I would seriously urge them to make what he did previously well known.
  20. I visited the car park at Eastbourne B&Q today and saw a UKPC operative arrive and wander round the car park. He stopped at a car that was quite properly parked, wrote out a ticket, placed it on the car windscreen on the drivers side, photographed it, removed it and wandered off to look at other vehicles. So, if you are the owner of a silver hatchback and get a NTK for some parking misdemeanour at around 1pm in the Halfords/B&Q/Mothrcare car park on Lottbridge Rd I will give you a full description of the dishonest person in a UKPC uniform for your evidence when these bandits demand money. Shame it wasnt yesterday, I had my camera on me then
  21. Parcel2Go are still scammming their fraud service. I sold item on Ebay for £50. I sent parcel by them and insured it for £50 Two weeks later still not recieved so customer reported me to Ebay who took £56 out of my bank. I asked P2G for refund but as of this date they are still refusing to pay bu claiming they cannot recieve attachments to emails so cannot get proof of nondelivery - yet they gave me a chart showing that the depot had handed the parcel to the courier and the courier had 'lost ie stolen it'. It seems they have a bad record of this and numerous complaints so it looks like they are operating a nice little fraud and my case may just be the tip of the iceberg.
  22. In the latest statement, Philip Hammond announced increase in Insurance premium tax to 12.5% from June 2017. Given that Insurers also like to include other premium increases, people are likely to see average increases on Insurances of 20% or more. With average Car Insurance premiums now £700, i could see this rising by at least another £100. Then add on increases to other Insurances bought by households and you could see an extra £300 to £400 in annual budget taken by Insurances. Because VAT is 20% currently. Philip Hammond used this as a reason to justify increasing Insurance Premium Tax, suggesting that people were already getting a discounted tax rate. I am not sure people will see it in the same way. Is buying Insurance the same as buying any other consumer product ? Given that Car Insurance is a legal requirement and not optional, i would argue that tax should not be paid on the compulsory third party liability element of the policy.
  23. Not sure how to explain this ..... I ordered an item from Debenhams a few days ago, today the parcel was handed over to me by a close neighbour , close as he live in the flat that backs onto mine, The complaint I have is that Hermes left MY parcel in my neighbours outside cupboard and put the card in my neighbours postbox! I am just lucky my neighbour is honest or I would have had no idea that it had been delivered! I have reported this to Debenhams but they cant see anything wrong with what Hermes driver did!
  24. Hi there.. after doing some research online this morning, I see that I am not the first person to fall foul of Ashbourne Management's poor customer service and blatant disregard of their own T&Cs. I informed the company via email that I would be moving out of the area and wanted to know their cancellation policy. I was told to refer to the T&Cs which I didn't have as I was not prompted to download a copy when I registered online for Clifford Health Club & Spa in Long Eaton, Nottingham. On checking their T&Cs it clearly states that I can cancel during the minimum membership period with NO further obligation if I move over 15 miles from the gym and provide written confirmation of this. I have moved over 80 miles away and provided them with my new driving license and also 2 bank statements showing the new address. My cancellation has been refused as they do not accept bank statements and I am unable to provide them with any other documents yet as I have moved back in with my parents and waiting for other docs to come through. I have told them I am not happy as bank statements are certainly a formal piece of ID (lenders and solicitors use these every day!), and by waiting for further documents to come through before they cancel will make me liable for an extra months payments I do not wish to pay (mainly out of principle!). I have raised the issue with the CMA who are now investigating, trading standards have been informed and I have also let the gym in question know. I have numerous email threads with Ashbourne Management but most of my points have been ignored and my repeated requests for their complaints procedure have also been ignored. My next DD is due to go out on 1st November - am I safe to cancel this? Thanks in advance for you help, Toni
  25. Hello All, I am new to posting, but have read many of the topics on here via google searches...some excellent work I am currently enjoying a comical exchange with Harlands / xercise4less. I signed up for the rolling monthly membership, this was done online . After a mere ten days it was clear this facility wasnt for me... I have been a member of many gyms but this one had 12 year old kids hurtling the barriers to run around the gym climbing on equipment and disrupting people without a single member of staff flinching. That was me done. I handed in a letter after 10 days stating that during the initial cooling off period I had realised the gym was not for me and I wanted to cancel. I stated my reasons, this was taken off me at reception by a staff member who gave his name as ..... I noticed the direct debit had come out one afternoon a fortnight or so later, no problem. £20 membership and £20 joining fee, I then cancelled this via my banking app on the Friday. From here I was introduced to the riddlers at Harlands. they have said I owe £65 due to a £25 admin fee plus the earlier fee's. The initial £40 was not accepted and returned to my account on the Monday morning. They have also told me they cannot cancel my membership it needs to be done in branch. I have done. They know nothing about this they say. Not my problem I say . Cancel online they now say. No need to I say, writting is perfectly acceptable. I am now engaging them via email, and quite sadly enjoying the whole process of annoying them. I will post the emails below. Any advice welcomed.
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