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  1. Can somebody can help with a bit of advice please? I'm completely debt free, and have a private pension, my intended sadly isn't. She is currently paying off a series of debts from her previous marriage, in very small amounts each month, that will take many a year to complete. We wish to marry, but I've no intention of doing so if this makes me liable, for her ex-husband's debts! If we marry can her debtors make a claim her from my finances for her/his debt? Any advice/information anyone could give me on what legal position I'd be in would be most appreciated.
  2. Parcel2Go lost my item and have admitted liability. I had insurance with them up to full value (£45). They have already refunded me the postal costs (but say the additional insurance cost (a pound or so ISTR) is non-refundable). Seperately, they have offered me a refund of the full value of the item, but I rejected and said I want the cost of packing that was lost too (or like-for-like replacement of such items). They have refused and said they think a refund of just the item value alone is fair. Do you think it's possible to get packaging costs back? It's only a few pounds
  3. Hi I recently had a successful PPI claim with MBNA. I have received a 50% payout but as it was a joint loan, 50% is owed to my late wife. Initially, MBNA refused to pay me her share until I provided a Grant of Probate or Letters of Administration. After explaining I have neither, they eventually said they will accept documents from a Court or a Solicitor confirming that no Will, Letter of Administration or Grant of Probate was ever made. My wife had next to nothing in assets when she died so, as I understand it from the gov.uk website, I didn’t need to apply for Probate as, in t
  4. Myself and a friend entered into an AST in 2008 with a private landlord where I was the lead tenant. Our deposit was placed with the DPS. Although we had a good relationship with the landlord throughout the tenancy, when we gave notice to quit in 2011 he seemed to take the matter personally and started being very standoffish with us. On our moving out date, the landlord did not attend the property. When we called his phone to find out where he was, it rang with a foreign dial tone and the call was rejected, so he wasn't even in the country and decided to ignore us. We ended up postin
  5. I bought some headphones from Amazon about 6 weeks ago. They Developed a fault just after 30 days. Amazon have offered me a refund, unfortunately the headphones were at a promotional price at the time. The refund wouldn't be enough for me to buy a replacement pair from them. They have refused to either repair or replace them. I know under consumer law I am entitled to a repair or a replacement. Is a retailed such as Amazon able to ignore that if they simply offer a refund? I was very happy with the headphones and really just want a pair without the fault. Where do I stand?
  6. Over the last month or so I have started looking into old loans and credit cards to see if I had mis-sold ppi on any of them. These are all accounts or financial products that I had from about 1999 to about 2006 so pretty old and I had no information about them. I initially took the advice to use the resolver tool before I really knew what I was doing so might have scuppered myself there but after reading through more information and lurking on here I used the PPI checkers on various bank websites such as Halifax and Canada Square who were able to find my old accounts with
  7. Hello chaps, I am afraid I got myself in a situation. I will skip the emotional stuff and try to be factual. I managed to develop an online shopping addiction, which resulted in high volume of returns to the stores hence security started watching me. I was detained on exiting a TKMaxx store on allegations of a theft (worth 35 quid) and fraud for replacing price tags on 2 items. Never had incidents or a CR before. I was given a 12-months store ban and the police was called to take details but still waiting for a voluntary interview date. I was told that the theft was not too ba
  8. Hi, I have recently been to the small claims court to claim £200 from an individual who owed for services I supplied. The defendant failed to attend and after a hearing, I was given judgment with costs. After 14 days no payment has been received so I went to instruct the county court bailiffs but was told this costs £150. Now I thought this seems a lot especially if they are unsuccessful. I decided to call on the defendant and suggest he pay me to avoid adding bailiffs cost to his bill. His was not interested and said bailiffs or not he would not be paying. What i
  9. Getting ready for the Customs Declaration Service READ MORE HERE: https://www.gov.uk/government/news/getting-ready-for-the-customs-declaration-service
  10. Hi All, Can someone let me know what my chances of getting a refund from these PDL is? All the loans were repaid, except my last ever one with Payday Express which remains unpaid as a default on my credit file. I have read elsewhere that proving affordability is key, but in the case of PDUK/Express despite them being smaller/less loans - can I expect them to atleast write-off/remove the default on the basis, my credit file was trashed, my income was circa £1000k p/m at the time and I had numerous other loans out with both their sister company and other PDL? I have issued the te
  11. Hi I recently became aware I had a CCJ for an old capital one debt. The debt had been passed to Lowells some years ago so I presume it is they that applied for the judgement. Judgement Date: 04/06/2015 Amount: £1782.00 I am pretty sure the above debt was statute barred at the time this judgement was received. Reason for this is that I stopped paying this and another debt with Barclays at the same time. I received a CCJ for the Barclays debt in 2011 at least 2 years if not more after I stopped paying, it may have been longer I am not sure. My question is when wou
  12. Talking of PPI its a shame I can't claim against unenforceable debts
  13. my wife parked the car in Colindale and I got a pcn from parking control management, addressed to me the registered keeper, I wanted to fight it but I think I'm way out of my depth , i was under the impression that because i was the registered keeper and not the driver I wouldn't be liable, i also read that i should ignore the letters and wait for it to go to court the 26/02/2017 PCN was issued 05/04/2017 i received a keeper liability letter, which states that under the protection of freedoms act 2012 schedule 4 states the registered keeper of the vehicle becomes liable,
  14. guys what are the chances of getting a CCJ set aside due to the DCA admitting in court that they do not have a credit agreement? sorry for the lack of info, I'm in the process of gathering information as I am in a position to challenge the CCJ now thanks a lot
  15. Hi everyone! we bought an Audi A6 auto in September 2016 with a known gearbox problem. We found a gearbox on eBay (rare gbox code), and had it sent to us and fitted by our mechanic. It wasn't right and was leaking, the supplier took it back, repaired it, and sent it back out to us. It still wasn't right. Eventually the supplier said to send him the car (To Essex, we're in Birmingham) and he'd fix it free of charge. By this point we had paid him £1000 for the gearbox. He then said the ECU was a problem and to send him £350 to have the ECU repaired. He has
  16. Dear Forum, Just looking for some advice in order not to fall into the well-reported problems with cancelling DW Sports contracts. - Me and my wife each have a 6 month contract (which will run for 14 months if not cancelled) - Our contracts started in Feb and March respectively. - DW Sports terms and conditions allow for cancellation if you have a "change of circumstances" (Clause 12, Section 3) - We are moving abroad on the 15 June 2017 So, we did the following. Went to the gym where the manager got us to fill in the online cancellation form - we did this and got a
  17. Hello, I made a lot of silly financial commitments about four years ago as I was working and in college, just turned 18 and assumed I'd be able to just walk into a job when I went to uni the following year. That didn't happen, and my student loan just hasn't been able to cover living costs and the debts I have. I've been trying to make payments as and when, but I realised that the charges I was getting on my accounts were more a month than I'd be able to actually pay them so, instead of being an adult about the situation, I just ignored it. I am now finishing uni in a few weeks time and have
  18. Hello I am looking for some advice but couldn't work out how to create a new post? I joined a gymtec gym in May 2013 on a 12 month contract but became unwell late 2013, early 2014 I was diagnosed with Fibromyalgia I wrote to my gym cancelling my membership due to developing a disability and being unable to use the gym due to severe muscle pain, limited mobility and fatigue. I included a copy of my consultants letter confirming diagnosis and also informed the gym I was struggling financially due to divorce proceedings and now supporting myself and my step daughter on only my income.
  19. Hi all I know the answer would normally be "no" that we arent entitled to our deposit back. However, bear with me. We dont NOT want the car, we just dont want to deal with the dealership anymore. Myself and my partner went into a natiional garage to purchase a new Nissan car. When we went in it took over 4 hours, but they said that we could take the model that was on the forecourt, that was brand new. it was available as they were geting the new version in. He told us that they had various small upgraded features such as Chrome pack etc. I am currently 9
  20. Hi, My ex (the mother to my son) has run away to Scotland (about 4 months ago) and left him behind with me and my girlfriend. We had a signed agreement (witnessed by a solicitor) that after a couple of months of moving up there she would pay £100 a month towards feeding/clothing/school etc, she paid twice then went silent, completely silent, doesn't even ring to speak to him anymore. So i got the CMS involved, I paid the extra to have it done as a collect and pay, as historically she has been bad with money. I know she was working as of two weeks ago, and had been up to tha
  21. HI I sent CCA to Lowells for 3 different accounts. I had no response this was in 2014. I have now received pre-legal assessment letters. I have kept the post office recipts as I sent recoreded with 1 pound postal order. I also sent to Bryan Carter as well. (he respoded was on hold until could get info) never heard back from any of the creditors until now??? How do I prove I sent CCA if it goes to court? and do I need to send another CCA as its been 2 years?? Any help thanks
  22. Thanks for everything you do here – I hope you might be able to help with Opos and Kapama. Although I've read lots of threads about them, I'm struggling with some particular parts of my situation. Brief background – in 2013, lots of foolish unaffordable payday loans to pay more payday loans, including a written off Wonga. Most now dealt with, with my credit file looking like it will be clear by 2020. A few monthly payments still going, including to Opos for a MiniCredit debt purchased by Kapama - notice of assignment issued in late January 2015. The initial Minicredit loan was £450,
  23. Hi In 2007, RBS defaulted me due to me going onto a DMP with CCCS (Now stepchange) In 2009 i successfully got RBS to confirm in writing that they could not find my credit agreement and thus could not take actions to enforce the debt. I have continued to receive a credit card statement every month for over 7 years. The balance doesn't change. They dont add on any interest. I don't offer them any money and they have never asked for any. Is there something i can send to them basically saying don't send me anymore statements because you aren't getting anymore cash or will i have t
  24. Hi, I am currently on ESA Support Group and also have an award for DLA which doesn't technically need to be renewed until over five years from now. I have the right to buy and could buy my current home for about 35k. I have some savings and may also be able to borrow some money from relatives to add to my deposit. I cannot find a single lender that's willing to lend me any money toward this on a secured basis whatsoever. Iroonically they all seem to be falling over themselves to lend me money on credit cards on an unsecured basis but not enough to buy the property. It seem
  25. Hi, Hope everyone had a good bank holiday. I (and three others!) missed crap signage and got a Contractual Breach Charge from Ethical Parking on my windscreen over the weekend. Just double checking that it is currently still best to do nothing until a notice to keeper arrives (between 28 and 56 days) before I take any action on one of these? Then if it (NTK) arrives on time post photos of it and signage on here for assistance? Just don't want to get it wrong! Thanks!
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