I have an issue with Admirial insurance. I bought another car about 2 months or so prior to my insurance expiring and paid the transfer / admin fee of about £20 or there abouts. Their renewal was several hundred more than quotes I received prior to buying the car when paying this transfer fee I specifically stated not to auto renew my insurance. The man said he noted this down on the system. (Their quotes for the new car being around £700 a year, normally paying around £300) I always paid annually. My renewal was mid-September and received an email that my funds did not go through (luckily it was an old card I used for the admin fee) and emailed them of my previous conversation that I did not want to auto renew. I then received my "confirmation of motor insurance", charging some £1000 more than swift insurance. (£1300) Their renewal is set up now as monthly payments so unsure how that can auto renew and change from annual to monthly, so this is another concern. I have just had another email saying that if I do not pay within 7 days I have committed an offence under the road traffic act and “DEFAULT NOTICE SERVED UNDER SECTION 87 (1) OF THE CONSUMER CREDIT ACT 1974” Admiral have ignored both telephone calls and emails and threatening with court action should I not pay. Another issue was that my old car was taken off the road from around Feb 2013 till july 2013 so asked them to place insurance on hold which they failed to do. What can I do about this.

I am looking for a solicitor who specialise in credit consumer act and the ICO guidelines. Must have experience in application of default notices and credit reference agency. I would prefer someone in London, Watford or surrounding areas. Thanks madtergee16

In 2008 we were co-erced into purchasing a timeshare in Cyprus. We had no intention of using the timeshare property and were more attracted by the 'massive discounts' on Expedia hotel bookings that we were verbally promised. We swopped our Timeshare for a couple of trips via Interval International and soon realised that the 'luxury' we were promised was not there and equally neither were the discounts on expedia - 1-2p in most cases. We tried to contact the seller but they never replied. We therefore contacted Barclays Partner Finance as they held the loan and were jointly liably under the Consumer Credit Act. They took a whole 2 weeks to decide that we had not been mis-sold anything. we contacted Sandy Grey as the Timeshare Consumer Association and we placed a complaint with the Financial Ombudsman. This was 2 years after original purchase, as it took us a while of use to realise what we got were not getting what we believed it should be. To this date we have provided an awful amount of information to the FOS however they are leading us to believe that because we have nothing definative to indicate that CALSC (who sold the TS) promised luxury and as we HAVE seen savings on hotel bookings be they only 1p - legally those are still savings. we find ourselves at square 1. I do not want to involve a solicitor if I cannot win this case. The TS Company were very careful not to leave us anything in writing which we were verbally told and as such its our word against theirs (I wish I had recorded the meeting) do I just stump up the £10k and put it down to a bad decision or do I fight this? and if I ignore it, hw fat will BPF take it? (we have already been threatened with bailiffs) I would also point out that the Timeshare Consumer Association TATOC state "Taking legal action against a credit company if the Financial Ombudsman has found in their favour is unlikely to be successful" Does no one have any advice on this issue? I was hoping for some experienced responses, or is it too difficult a situation? Any thoughts welcome Thanks

Hi, please excuse me if I'm in the wrong forum, but I am completely new to CAG and am looking for some help. My home was repossessed in 1999 by a loan company, who then pursued me for the "shortfall" between the outstanding loan and the sale price of the house. I am wondering if this debt is enforceable if the solicitors who are now receiving payments cannot produce a copy of the original credit agreement, or if they can, can it be rendered unenforceable if the agreement doesn't comply with the Consumer Credit Act? Thanks for your patience.

Hello all first post here but in a real pickle. On the 14th of June I received a Default notice for £49.07 from Argos Cards. On the 22nd of June I paid the default sums in full (£49.07) and was told no further action was required. After months of battling with the administrators of the company I used to work for they managed to get the money owed to me (roughly £4k) so on the 28th June again I called argos up and advised when I get the payment within the first 2 weeks of August I will pay the full balance, the advisor took an additional £5.99 payment from me and said that no payments would be due on the account until August. Anyhow today I rang up to pay the full balance to be told they cannot talk to me the account will be transferred to their debt collectors and any concerns should be made in writing as they have terminated my agreement, however they could take the payment. After 20 minutes of arguing with the dizzy woman she checked with her manager who advised they generated the letter of default on 04/06/2010 and even though it takes up to 14 days to be printed and delivered they start the 14 days from the date the collections advisor decides do issue the default notice. I advised this is contrary to the consumer credit act, and the default & subsequent termination of the arrangement are illegal the advisor checked with her manager who advised that their company policy superceeds the consumer credit act and this does not affect any of my rights. Now I have paid the balance in full, however checked on credit expert and sure enough my account shows 2 missed payments a green 0 and then default. Please help what do I do? Aaron x

Hello all first post here but in a real pickle. On the 14th of June I received a Default notice for £49.07 from Argos Cards. On the 22nd of June I paid the default sums in full (£49.07) and was told no further action was required. After months of battling with the administrators of the company I used to work for they managed to get the money owed to me (roughly £4k) so on the 28th June again I called argos up and advised when I get the payment within the first 2 weeks of August I will pay the full balance, the advisor took an additional £5.99 payment from me and said that no payments would be due on the account until August. Anyhow today I rang up to pay the full balance to be told they cannot talk to me the account will be transferred to their debt collectors and any concerns should be made in writing as they have terminated my agreement, however they could take the payment. After 20 minutes of arguing with the dizzy woman she checked with her manager who advised they generated the letter of default on 04/06/2010 and even though it takes up to 14 days to be printed and delivered they start the 14 days from the date the collections advisor decides do issue the default notice. I advised this is contrary to the consumer credit act, and the default & subsequent termination of the arrangement are illegal the advisor checked with her manager who advised that their company policy superceeds the consumer credit act and this does not affect any of my rights. Now I have paid the balance in full, however checked on credit expert and sure enough my account shows 2 missed payments a green 0 and then default. Please help what do I do? Aaron x