Hello. I have a Santander 123 account and have been paid interest, less tax, on it over the last tax year. I was surprised last week when all the tax I'd paid on the interest was returned to my account. Has anybody else on the forum received the tax back and does anybody here know why? Thanks

The MOD has updated its information on Support for Veterans on 7th April 2016 READ MORE HERE: https://www.gov.uk/guidance/support-for-war-veterans

Hi I have a long running problem with a local limited company. His latest attempt to get out of it is to resign as sole director and let the company get struck off, its now showing proposal to strike off! He has over £3000 of my money and the asset how do I deal with this, can I still take the company to court? I was hoping the fact he isn't winding the company up "properly" and taken all the assets and capital out of the company would mean he is guilty of wrongful trading and that I could go after him personally? Or am I best trying to get the faulty goods back and cutting my losses? Urgent advice please!

Hi looking for a bit of advice but not sure if this is the right place. Long story short is i paid of my daughters loan of 7.5k the loan company now want to know where the money came from and are refusing to update the loan as paid on her credit file and will not close her account. She told them i paid it off but they want details of where i got the money from, now i can show them but why should i Thanks for any advice

my mum recently passed away this month with cancer , but a few months before this a family fued began and really really honestly i have no idea why . at the time of the fued i was away on holiday with my wife and children . when we returned home all our numbers where barred by family ,plus any social media sites . my children ignored by my brother ,sister and nephew etc . as to the point my mother passed away on the 8th of january , not long before this she had christmas dinner at my house ,with me and my family (wife kids) and told me she didnt have long left . she also at this point tried to offer me all her savings , i flately and completely refused any of it , my thoughts were if there was anything i would prefer her grandchildren to benefit from it .(i know how much there was as she showed me her savings account book) on recieving the bad news about my mum i immediately called to her house , only around a hundred yards away . i was devastated , to the point of a mild heart attack and a gran mal fit . my sister immediately took over everything (she was next of kin ,but upto this point work was her priority not mum ) a very good freind of my mums asked if his bank book was around (mum saved it for him) that was found but what was also found is that mums handbag had been emptied completley of everything . i was furious ,upset ,angry ,suicidal . i could not beleive how low my family had become in an instant . i phoned her building society and ordered a stop on the account as i beleived someone was going to access the money , luckily there policy is once accessed by a 3rd party it cannot be accessed again for 30 days by a 3rd party. since mum died , no one has contacted me family wise to update me on anything and i have heard all arrangements via 3rd parties . i even found out funeral times and date via facebook believe it or not i do not want to rock the boat so to speak but i know in my heart this is not what my mother would want . i do know someone tried to access my account , an old halifax one i let my mum use to pay her cable bill . i dont have the card it dissapeared along with the other things from mums handbag , so i have cancelled the card . from a legal point of view , what access does my sister have to this account its a saving account ,i know the funeral has been paid from it ,there is no outstanding bills at all only credits for gas ,electric ,water etc, i really dont care if i get a penny of it ,mum was a single parent and would have starved herself to feed us when we were younger , it just feels like i am been pushed out for there benefit , every other sibling (3) has a key to the house ,but not me . and non speak to me or my children . would i be a bad person to try to take action to stop anything been taken from the estate without been notified first please help its driving me insane .

We bought our home approx. 11 years ago through the old Homebuy scheme through a housing association called Beth Johnson. we got given a 25 % loan which is repayable at any time in the future, and whether the house increases or decreases in value they have a 25% return upon sale . We still own the property but its legaly called a charge or something . We put a biggish deposit down ourseleves . The house is worth approx. £170k now and the mortgage is around £60k we are divorcing and I need to contact Beth Johnson to ask them legally if I can ever transfer this to another property and at least inform them that divorce is in progress and I may be the sole owner if the Halifax agree . Beth Johnson seem to no longer exist ! Every time I google it Sanctuary Housing comes up - so ive emailed them to ask who on earth has a charge over my property now .No reply . Im a little shocked that I never received any documentation to say Beth Johnson had transferred ownership or whatever happened to them,, and that I have absolutely no idea who now has a charge over my house ? Any advise would be very helpful ?

Hi everyone. First time poster so please bare with me. I took out a personal loan from a Bank to purchase a car 2 years ago because my GF at the time did not have the credit rating in order to do so. Each month she would send me the money via bank transfer to cover the repayments going out of my account via Direct Debit as agreed from the beginning. We have since split up and she's decided to sell the car and stop giving me the money for the Bank Loan repayments. Her name was on the V5 document as the registered keeper, however as I bought the car outright myself and have proof of doing so in the form of a Vehicle Order form and Loan Agreement from the Bank my question is is it illegal for her to have sold the car without my permission? I also have recent text messages stating that she will always pay for the car but has not done so in some months. Where do I stand?

Does anyone know if a bailiff can levy goods when the original debt has been paid? The debt was paid to the council in full, and now the council and bailiff company are saying tough, you need to pay the fees of £310 which is more than the debt was for. I know the usual advice of not letting them in and stuff but i can't find a definitive answer on whether they can levy if it's only their fees owing. As far as I am concerned, I paid the Liability Order in full.

Hello, War and piece - if you can't be bothered to read see the last two paragraphs. In June 2015 I bought a brand new Seat Ibiza from a Seat Dealer on PCP Finance (Dealer supplied Finance through VWFS). The main reason - I've always had older cars but I was fed up of the maintenance requirements and the time I had to take out for preventative repairs that older cars require. A new car was going to cost me more money, short term and long term; but the privilege of a new, reliable and care free vehicle outweighed any financial impact. This was clearly outlined to the salesman. Very early on in ownership I started experiencing issues with the car, please find a rough timeline below: 600 miles - Developed a light knocking sound 811 miles - x2 new front droplinks fitted under warranty. 1200 miles - Car started knocking again and suspension became very vocal. 1254 miles - x2 new steering arms fitted under warranty. On the drive home from having the steering arms replaced, The car felt 'off'. The steering wasn't as precise and seemed to tram line depending on the road surface and condition, the knocking had not been fixed. I made a phone call to the dealers expressing my concerns where I was advised to keep driving as the new steering arms will loosen up. 1600 miles - The symptoms were still the same and knocking remained. I rebooked the car in and asked for an inspection and alignment check. 1949 miles - Car was returned to the dealer and A Seat Master Tech test drove/inspected and found no issues, I was assured tracking had been fixed when the steering arms were replaced and had been double checked this time. Car only had a 1.6 mile test drive! 1983 miles - Car went to a local independent, I explained my issues and requested an inspection/second opinion only. Within 5 minutes on a Hunter alignment machine it was noted the front wheels were toe out. The car was not rectified (for the avoidance of doubt the car was untouched mechanically) and I have a print out as evidence of the issue. I was also advised that the suspension top mounts should be checked and is a known TPI on Seat Ibiza's. A detailed complaint was sent to the Dealer Complaint Manager via e-mail; stating I am ready to reject the car if they can't fix it. I was called by the service team asking to bring the car back in 2154 miles - The car was returned to the dealer where I was informed the Dealer does not have tracking equipment so the car was sent to an independent for tracking to be rectified. The car came back with a print out and the rear of the car was out of spec and was left out of spec. No other work was done by the dealer Although the cars steering feels better, the car still overreacts to road surface and has very vocal suspension. A further complaint was put into the Dealer via a reply to a customer satisfaction generic e-mail - I was advised the dealer principle would be in touch No response from the Dealer so I chased my complaint again I spoke to the Dealer Principle via phone call where I advised I have lost confidence in the car, in the dealer being able to rectify the issues and that I want to reject the car. We agreed the best option for all parties involved was to negotiate an amicable solution and get myself out of my current car and into an equivalent replacement - We discussed an equivalent spec Leon FR due to my lost faith in the Seat Ibiza. The Dealer Principle handed over to The Sales Manager and advised I'll receive a phone call with options. I received a phone call from Sales Manager stating he needed to get my Settlement Figure from VWFS before we can continue negotiations and to expect a phone call the following day. I called VWFS myself and obtained a settlement figure of £12,247.79 I failed to receive a phone call the followed day, so I chased The Sales Manager called me the next day and advised he values my car at £9,500 and as a result there is too much negative equity to begin negotiations and there was nothing more the Dealer can do. I advised I'll have to take this further with Seat UK and the Finance Company. Put in a complaint to VWFS and Seat HQ Phone then rang off the hook from the Dealer apologising and offered me deal where they took my current car, settled the finance then started a new agreement on a Leon FR. They planned on using my original £2,000 deposit on the Leon, however the Leon is an unsold but brand new MY15 model (current is MY16) Leon FR - subtle tech changes. I asked for 24 hours to think and was advised sales manager was off the following day but he would hand over to business manager Following day I accept the offer only to be told by the business manager I now need to put in another £2,000 deposit! Long story short - Brand new Seat on PCP finance, started with steering and suspension issues from 6 weeks / 600 miles. Dealers had the car back 4 times and the issue is still apparent. I'm negotiating with the dealer to get me out of this car and into another, but the offer the dealer has given me works out £2,112.81 more expensive, over a longer term for an older MY spec car than if I were to get my £2,000 Deposit back and go into a competitor dealer with a new order. I'd accept the deal without the extra £2,000 deposit and compromise by having the older MY car. But at this stage I feel I just want out. I want to hand the car back, cancel the finance and get my £2,000 deposit back to go elsewhere - I'm not interested in compensation or costs to date, just a clean slate. Help! What do I do and where do I go from here?

Hi, I hope someone can help me as this issue became rather frustrating for me for the last couple of days. I have been with Vodafone for 4 years (2x24 month contract) and 11th Feb 2016 was my contract end date. I have called few days before the end date to state I want to leave Vodafone to use another provider. At that point I was stupidly fooled into accepting new bundle plan for 12 months and was thinking that I got a pretty good deal with them. That was until I received the email about my new bundle. I realised that what I accepted on phone and what is on the email is very different and immediately called them to explain this and cancel the new plan as I had 14 days to cancel it. (We discussed 2 gb and email was stating I have 250 mb allowance) Live chat couldn't help me and requested me to call Vodafone. When I called, customer service told me to call next day. I called them again on next day and I have waited 1.6 hour on phone with more than dozens of transfer and what is even more frustrating that each time I have been transferred to someone I had to explain the whole thing from the beginning. After all that waste of time I have been told that offices are closed and I have to call back tomorrow. I got really frustrated as this was a common thing for them to say to shake things off. It was around 16:25pm so I told the officer that I don't believe that there is no one to talk to at that hour. She talked to some one and said that she will transfer me to her colleague and a guy picked up the phone and said that he can process things for me, then he put me on hold and after that he said he can confirm the process is done. this was his exact words. he said that new plan will be finished by midnight that day. I said i want to keep my number and need pac code and he said that they need to transfer me to another department for that and transferred me, I was in the middle of talk when I lost my service on my mobile and line cut out. After that I called vodafone from my landline to explain the situation but no one could help me as they did not recognise me or my number. This is quite hard to believe as I was their 4 year customer until 5 minutes ago! They said they have no idea where my number goes and they can't take it back that there is no way. Also at some point when I was not getting any progress with cancellation I've been told that I have to cancel my new plan first and then it would go back to my previous plan and if i want to leave vodafone then I have to cancel that too. But I've been literally chucked out with my everything on the system. I am guessing I frustrated them by insisting they should help me and when they realise I did not want to stay or buy new bundle they chuck me out completely. If I knew that I would ask for a couple of weeks beforehand like a notice period and handle everything which causes me problem now. As a result of this nightmare; I have lost my number which I use for my business contacts, banks, email accounts and almost everything in UK. Since I need a code sent to my number for accessing many things such as banks, facebook, email accounts etc. I am stuck not knowing what to do. Not to mention that I have just printed bunch of business card with my number on it a month ago! This will cause me a big destruction on my business if I can't get my number back. I even offered to buy it back but they did not help me with it. I also want to mention that this is not the first time Vodafone messed with my life. Last year they have charged me 649 gbp and cancel my contract accidentally (?!) and they did not pay me back, I had to request money from my bank saying that it has been taken illegally. During that 11 days I have lost business time, could not do any bank transaction as it requires code and been stressful every day of it. They were only able to activate it again 2 weeks later. I just want this fixed please. I am applying for indefinite leave to remain here and I have supplied my business number to home office, I do not want to keep changing my details as it does not look professional at all. This may interfere with my application if they call and realise the number is not recognised.. If this wouldn't get resolved soon they would leave me no chance but to sue as I want to claim my business damage with interruptions to bank transfers and preventing communication. does anyone know what should be my next step regarding this matter?

Hi can anyone advise me if I will be fined. I declared my car off the road when the tax run out as we only use one car so its been sat outside my house for a while untaxed, I have been meaning to scrap it and spoke with a scrapyard a couple of times who said they would come and pick it up but they never turned up, someone on the street must have reported it to the dvla now and it has been clamped today. I don't want the car, I rung the car tax enforcement company that has taken the car and told them, she said if you don't want it don't pay the release fee and it will go to the pound you will be sent a disclaimer sign and return the disclaimer declaring you don't want it and it will be destroyed with no costs. I don't trust this , will I get fined of the dvla?, I don't want this to cost me money.

I was wondering if anyone who has, or has had, a mortgage with DB Mortgages has managed to get approval from them to port their mortgage? If so when was this, what were the circumstances, i.e. buying new house or downsizing, and what were the criteria that they insisted upon. Also how long did the process take and were their any 'pitfalls' along the way? I am asking as it something they say they do and which I would like to do with my mortgage with them. I am looking to downsize house, release some equity and with some of it pay a lump off the current outstanding balance, not increase the term but reduce the mortgage size by 30%. Dealing with them is never straightforward so thought would ask the users for experiences! Thank you

I purchased a £400 tablet in November. And it's since developed several faults. They are. Tablet Screen is becoming unresponsive for 20-30 minute's at a time. The tablet is becoming incredibly hot. A system is popping up when the tablet is not in use (I only notice the error when i go to unlock it sometimes) The error is ''Unfortunately the UI has stopped working'' - Causing the tablet to crash. I have the receipt. Can i take this product back to Argos? And if so what can they do for me? As I'm a student this is what i use to make note's and research with whilst in class. So i can't really be without it. I don't want another one as I did some research last night when the screen stopped working , and it seems other people are having the same problems.

Whilst looking for information on a now closed thread. I was reading this thread and have since noticed not a lot has changed except the date and the names of the posters except a few whom are still around! Even 10 years ago there were arguments and the like between posters and others. For this thread see here >> http://www.consumeractiongroup.co.uk/forum/showthread.php?44284-Bailiff-discussion-(-moved-from-hijacked-thread-) So it goes to show you/we as posters can really never agree on any part of the Enforcement discussion. Maybe that if a few more regular posters read this thread in full can they too see how nothing has really changed! The thread linked to in my post actually ran to 368 posts and the final post was by a regular post on CAG called citizenB Site Team their final quote on this thread was >> ' Re: Bailiff discussion ( moved from hijacked thread ) The Consumer Forums - Bailiffs - Debtors Rights and Remedies in the Law of Seizure of Goods This latest book may be of interest for those with bailiff problems. Limited offer on at the moment. ' The reason for this thread is to show how little has changed except posters names and dates.. Worth bearing in mind for future reference... I guess I was bored today!! I wonder if they even remember this thread

Hello. I am new to this forum. I wish I had joined ages ago. Please bear with me because the full explanation of my situation is quite lengthy. The mortgage start date was 24/01/2008. No payment was missed until 07/2011. I had gone to university in 2009 as a mature student to pursue an undergraduate degree. I was working around my studies when that contract ended, it was difficult to find other employment due to the recession. I was only able to get two short-term contracts during the whole three year period. A repossession order was issued in June 2012. The order was suspended in September 2013 following an eviciton notice, my filing the N244, and a hearing. I was in employment and could afford to pay enough to cover payments and arrears by the end of the mortgage term. I kept to the arrangement for a full year but problems resurfaced when I went back to school for further study in September 2014. It should be noted that I secured part-time employment before resigning from my job to resume further study, aware that my monthly mortgage payment would soon reduce by over £500 due to my having paid off one ‘Element’ of the mortgage in full which meant I would be able to get by for the 1 year duration of the course. I however had to cancel the Direct Debit because my mortgage lender failed to amend the payment amount despite my communication with them, and attempted to take payment of the same amount as previously on two occasions. All this was explained in detail on an Application to Suspend the Warrant of Possession which I filed on 06/08/2015, but a hearing never took place because I came to an agreement with my mortgage lender. Under the new agreement, I was supposed to start making payments on September 2015. At the time, my course had ended and my part-time employment had become full-time. I changed my bank, had a few problems and missed that payment. I explained this to my mortgage lender in October. However, the real problem arose because I left the job shortly after due to some internal changes after a company takeover. I was not fired and therefore did not know how to communicate this to my mortgage lender, especially since I had no other means of making payment. I was also sure I would secure another job quite quickly it turns out I did not start a new job until the beginning of January 2016. Meanwhile, I had received an eviction notice sometime in Decebmer 2015. I filed an Application to Suspend the Warrant of Possession on the morning of the eviction and had an emergency hearing (9th February 2016). The judge was extremely dismissive. It was as if he had decided I was simply irresponsible. He was not even interested in my new job or ability to make the payments going forward. He dismissed my case on the basis that I had a bad payment record and he was not convinced I would keep to a new agreement. He also mentioned something about credit card debts which I had included in the "creditors" section of the Income & Expenditure form. He said my numerous credit card debts contradicted my statement that I live a simple lifestyle and he therefore did not accept that I could live on the amount stated on the form. The credit card debts are not new and have nothing to do with my lifestyle. They were incurred during my undergraduate degree. I told the judge this but he did not care. Credit card statements will demonstrate that that level of debt did not exist prior to 2009, but started and gradually grew during the period of study (mainly accommodation costs). These credit card debts have been included in the "creditors" section of every Income & Expenditure form I have submitted from the very beginning. They were there in September 2013 and during the full year that I was paying £1350 per month. My mortgage lender obviously did not have a problem with them when coming to that agreement and did not have a problem with them in August 2015 when agreeing that I should pay £1493.97 starting from September 2015. They do not seem to care that this was partly their fault. Had they adjusted the payment amount when they should have, I would have continued to make payments under the first arrangement up until October 2015. Now they are adamant that the only way I can get the property back is if I pay the mortgage balance in full, not just the arrears. Amount outstanding on mortgage - £50,469.71 Arrears - £24,541.81 Property value at last valuation - £105,000 (1 bed flat) Remaining mortgage term - 2.5 years Is there anything at all I can do? It has now been 6 days since I was evicted. Thanks in advance.

One for the (Scottish ) legal eagles. Man & wife divorce and £750 put into their childs savings account. When it was set up, both parents had to administer the account. One parent has just discovered the other has systematically emptied the kids account over a six month period without prior consent or knowledge of the other parent. Police say it's not theft or mis appropriation of funds. Bank says T&C's were changed and this allowed one parent to administer the kids account. Other parent swears blind they were never notified of this change by the bank or would have taken appropriate action at that time. ( I know my bank notifies me of changes but letters arrive by normal post---not rec del etc) 1. Despite this being a despicable thing to do, has any crime been committed? 2.How does kid get money back? 3. Does the bank have any responsibility for this dastardly situation??

Good evening all, I would be grateful for any advice that may be offered for the following case that I am pursuing through the Small Claims court. I have changed the exact dates, but the rest of the details are accurate: On 15 November 2013, I found a website offering for sale some consumer electronics. It was a computer peripheral (offered as a kit or fully assembled) that would enable me to expand my fledgling prototyping business. After many calls and emails with the Company Director, I went ahead with ordering an assembled and calibrated unit for the sum of £1000.00 (including courier delivery). The sale was agreed specifically for an assembled and calibrated unit, to be delivered within 10days. The director emailed after 11 days to state that he was waiting for parts and that I should receive the unit soon. Queue excuse again a few days later, but the Director offers to deliver the unit to me personally. After much chasing, a tracking number is received, but no goods. On querying with the Couriers, they state that the goods were never collected because no-one was ever found at the collection address. Repeat this cycle for approximately 6 months, at which point I contact Solicitors for advice. They do a search and advise me that CompanyA has been dissolved on the 22 June 2014 (effective 15/06/2014). No legal recourse as there is no legal entity to pursue. News to me. I complain to Companies House (CH), but am told that I had 3months to object to the Dissolution and that's that. They advise to continue communicating in the hope that the goods will arrive. The Director keeps up the promises and the goods never arrive. A request is submitted for delivery of the goods or full refund of the purchase price. This is ignored. The Director eventually ignores my emails and phone calls. The Director randomly emails me with another false Tracking Number in September 2014, to which I respond that I know he is making false statements and that I have reported him to the authorities. He replies to say 'sorry to hear but understandable. Machine will be sent soon'. I complain to Trading Standards (TS) and the Police Fraud squad (AF) and am advised that although I have no legal recourse, I should still pursue the matter by persisting in asking where the goods are/when they will arrive. AF advises that I should not under any circumstances give this individual any more money if he gets back in touch. Following the dissolution of CompanyA, I go back to his website where I find he is offering the same goods and services, but now under CompanyB. The terms and conditions on the website are still listed as CompanyA. I get back in touch with TS and AF and complain again, also contacting CH to report what I believe was Phoenix Company action. No further action by CH as he applied for Voluntary Dissolution. No further communication with the Director is received until February 2015 when he comes back on the scene, apologising and saying that's it's been all a big mix up and that CompanyB is now responsible for delivering the order. Again, news to me. I consider that maybe he is serious following the AF/TS complaints and is going to deliver the goods. On reading back through the correspondence, he does state that it is his intention to close the company 'within the next three months', but not that he has already filed the application. In hindsight, it is clearly his intent to close the company before he even resumes contact. Further, he states in a later email, that only those who have opted to NOT receive a machine would have received a copy of the DS01. Alarm bells ring and on checking, I find that he has an active application for dissolution. I am just in time to register an objection which is upheld. I notify the Director of my objection and continue to appeal to him for mediation, compromise... a solution. He repeatedly requests to discuss things over the phone and after a few weeks of waffle, I decline further contact by phone. I challenge him with regards to the DS01 and he emails a copy through, stating that he has never hidden this from me and that I should have received one in the post. No proof is provided, no communication is received from this Director or his Companies by post. Ever. I make him aware that I am contemplating legal action. His response is that CompanyB is ONLY fulfilling the orders. When I challenge his handling of the situation, his response is to ask if I want to invest £3000.00 in his business. I ignore this. A 'Notice Before Action' (NBA) is issued to his business address and home address. The home address one is signed for, the business address one is returned a month later, uncollected. He acknowledges receipt of the Notice. He misses the deadline to respond to the NBA. He later offers that funds are low, so he would not challenge legal action. He also asks that, given my history, would I be interested in an investment opportunity? I lodge a further complaint with the Director, who ignores the complaint and instead offers 49% of his business for £5000.00 and states he would then be able to issue my refund. (?) I again complain to CH. After objecting to dissolution for 6+ months, I progress to legal action. On legal advice, the Solicitor questions the ProForma, the only document I have with an order number on it. I question if it is acceptable proof of purchase and he agrees that it is. It is unclear who the liability for the ProForma is with - I assume it is with the Company. Solicitor advises naming Director and Company jointly, which I do. On investigation since submitting the Claim: The Director is sole member and sole Director of Companies A, B and C. (You cannot deal with anyone else in the company other than him: He is a one man band.) I find that the Director's DOB on the Certificates of Incorporation are listed differently between CompanyA and CompanyB. CompanyC is registered with incorrect Director's contact details. Director is later removed and reinstated with contact details for CompanyB's business address. CompanyB and C share the same trading address. The Director alleges that CompanyB and the unit are closed, but on investigation, I am told that the named unit is occupied with an active lease and no notice of termination. CompanyA's application for Dissolution was dated 3 months and two days after I sent the payment (17/02/14 and 15/11/13 resp). Granted he has not (to my knowledge) traded within that 3 month period prior to the application - I question whether there is an indication, seeing as how there were 2 days between sending the money and making the decision to no longer trade; that there was an intent to take the money without ever fulfilling the order. This would seem to be corroborated by not being notified of the Dissolution of CompanyA. CompanyA and the Director are repeatedly named in a user forum specific to this industry that I recently find. There are numerous complaints almost identical to my own. It appears that previous legal action has been settled in mediation with questionable/pitiful results. No accounts have been submitted for any Company. Only one return is ever filed for CompanyA, and all documents show as Outstanding (that's not for performance) with CH. As all have been/ are being Voluntarily Dissolved, CH will not take further action, even in light of his failure to notify Creditors and suspicions of sharp practice. These are stated offences in the Companies Act 2006. The Solictor's reaction to the ProForma bugs me. There is a logo that states CompanyA, but the only mention of LTD is under his name as Director of CompanyA Ltd. There is no inclusion of the Company Number and no VAT details. The office address is both the Company's address and the Director's home address. No invoice or receipt is ever received from CompanyA. I only have email confirmation that the Director received the money. Is the ProForma proof of an agreement between the company and myself, or the Director and myself? I call HMRC for clarification, they advise that the ProForma I originally received is not a recognised Invoice. It is considered to be a quote for goods and services. They cannot comment on whether the agreement is with the individual or the company. CH advise they cannot comment on the legality of the document, but based on my continued evidence and pending court case, the objections are being upheld pending Judgement. Director contacts me to complain that I have named him personally as a Defendant. I ask him who received the original payment. He does not respond. The Director has just defended the claim against himself, but nothing has been received for the company. Default Judgement has been removed now that his defense has been submitted. His defense is that the order is with the Company and that I already know this as I am objecting to it's Dissolution with CH. He states that he has sent me the DS01, (which he did, but only after I demanded a copy of it (and months after the application was submitted)). Whilst I have continually tried to be reasonable, his persistent evasion of any credible information leads me to believe that he is either incompetent or blatantly defrauding his customers. I only have his word that the goods exist and that the agreement is with the Company. As you can imagine, after 2 years+ of outright deceit, I am very suspicious of anything he states. I believe that I am waiting for a question pack from MCOL in order to progress to Judgement, but am concerned that the debt is going to be lumped on the Company and he'll close it without paying. Actually, I think it's obvious that he has been trading whilst insolvent, but I do not know what further powers (as a Creditor) I have to prove/charge him as personally liable. Was I wrong to name him as a Defendant in the first place? The claim covers the basic facts, but I am concerned because of the preconceived response to Director's liability in these situations. I don't want to waste the Court's time, but I do want to submit as much documentary evidence as possible for the Judgement. Is anyone able to offer any further advice? Many thanks in advance for your help.

Hi All. I bought my car back in November privately for £5500 cash. I asked if there was any finance outstanding etc which they said no. Just before Christmas I fell ill with my kidneys and now await an operation. Unable to work and having started a new job I do not get sick pay losing £630 per week. Now my rent is due along with lots of other bills. I made the decision to sell my car, downgrade and use some of the money to left to pay off rent and essential bills. I took it to a garage saw a car we liked. Arranged to swap my car and get £1200 back. The dealer checked my car out to find out there's an outstanding finance agreement. I spoke to the creditor, who is Barclays personal finance who agreed there is an outstanding agreement and they require some forms to be filled out which I have done. I had to write down where I bought it. How I paid. If I had a receipt. When buying the car the seller drawn out a receipt stating how much I paid for it and when and we both signed it. It also asked if I knew if there was any finance outstanding which I didn't and if I had done a hpi check which I did not. I have also sent copy of the log book showing Last owner. i also wrote Down I bought the vehicle in good faith , which I did. Now that was a few days ago. This car is the only thing what can same me my partner and our 1 year old getting kicked out. We had some savings but that went on last months bills and Christmas. I need to sell the car but now I may lose it and have nothing. I took out a loan to pay or the car initially so we may lose the car and pay for something we do not have. I have read that if you declare the car was bought in good faith and you have a receipt of some kind they will let you keep the car . However I am unsure about this. Someone said just sell it anyway as they will just remove the hpi mark as I bought the vehicle in good faith. Is there anyone who can help me with this as I'm making myself more I'll worrying about this and my family getting kicked out. I am a hard working person. Pay my bills and provide for my.family and now this has happened. My family can't help as they are elderly. I just have no where to turn to. CAB were useless, as where the finance advice line. all I keep being told is to seek financial help from family. Which isn't an option and we can't get loans as I went bankrupt a few years back due to my employment going down after a bunch of break ins. Please help

There is an announcement about this at the top of each forum but if anybody wants to discuss any concerns or flag up any problems that we have not yet become aware of, then please do it here on this thread.

Just a quick question here. My office closed on XMas eve, and we go back on the 4th like most people. However, due to the work I do, and a very demanding client, I am having to cancel plans and work from home in order to work on a system. I am alone in doing this, while the rest of the office enjoys a nice break. Am I entitled to these days back since I am working them? Or am I just being picky? Thanks

Its been almost a year since I took up Hastings Direct insurance and discovered they immediately turned my 17 years no claims discount into 9 years. I complained and was told I would not lose any discount despite their systems only logging up to 9 years, and despite a number of reports here that customers who did not notice that Hastings had truncated their NCD DID lose their NCD above 9 years. The renewal of my fully comp (which apparently isn't actually what I understand as fully comp with Hastings I have since discovered) with 17 years protected no claims at taking it out is being shown on the document as 9 years NCD. Luckily I haven't had to make a claim and hence be sold of to some third party shyster company to inflate costs and require me to sign credit agreements for cover that should be included in a fully comp policy ..... Lets see what happens for me.

"Trust Money' contacted me a couple of days ago, offering me an IVA. This something I had been looking into, although I have never heard of this company. The only thing I can find on google about them is their actual website. As I am unable to find anything else I was wondering if this company is legit? I feel I really need to do something about my debt as making minimum payments account for over half of my income and being a single mum of a baby and being a full time student I am really struggling. My out goings are more than incoming so I need to do something. If anyone has heard of this company or used them Id be very grateful to hear from you. Thanks

Like it says. I won't go into detail and I won't enter into any further correpondence but, because of the reception I got for suggestions of sound advice and places where more specialist support could be found - and the debacle in that particular thread that has been unfolding since - I no longer wish to be associated in any way with CAG forums. I dare say the quality of support is, in general, excellent but I have had enough of the hostility here for my positive contribution on the subject I hold close. Interestingly, I now note there have been historically other people here, in a similar situation while pursuing a similar topic, who have been subject to the same treatment and have felt the need to react similarly, all of which which only serves to highlight the questions I have over the reliability and impartiality of advice given on this site. I have requested my membership be deleted on two occasions via the "contact us" facility in my profile but have not even had an acknowledgement, hence the ironic and unfortunate need to make this request, to an organisation championing a Consumer Rights, publically via their own consumer rights forum. Can a mod please action? Good bye Thudd

I am just about to send a letter to Blemain about the charges and fees et cetera. Just wondering if anyone has been successful and got their charges returned to them, apart from the wonderful Wp3.

HI GUYS Just doing this on the behalf of my bro who is 26. He has been off work for 6 months now. He has a part time job cleaning a school. He is still sending in his fit notes to his manager but wants to know if he can also have his holiday pay with it. The holidays restart from 1st jan next year. His contract says that he can't take any holidays over to the new year. So where does he stand? His manager don't tell him what's going on and mostly keeps him in the dark. Can he asks to speak to someone over this like HR? Any advice would help him lots thank you in advance!