I reserved a ring in a jewellers shop and paid a deposit. I was paying some instalments but then became poorly and am now not in a financial position to finish paying. A couple of years has passed by. I contacted the retailer [small, local shop] who said they have sold the ring and I can't have my money back. They'll deduct 20% from what I have paid so far and let me choose something from the shop. Where do I stand?

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, with Kapama/Opos demanding over £1600. I've been making £20 monthly payments for 18 months, and so have nearly paid the original balance. There is no default listed for MiniCredit on my credit file. The loan is listed as an 'advance against income' with Kapama as the lender and an arrangement to pay – with over £1200 outstanding. I've come to a point where I'm reviewing my financial situation in mind of - first, a reduced income coming up because I'll be retraining in a new career - second, I want to be in a position to get a mortgage when my file is clear. That in mind, the £20 a month is no longer affordable, but as a default hasn't been recorded on that loan, I'm really concerned Opos/Kapama would register one if I stopped the arrangement now, setting back my file several (important) years. Having read through forums and taken a friend's advice, I sent them an email last week referring to the FCA ruling regarding MiniCredit's lending (link not here) but have not received a reply. The crux of that was that if the debt hadn't been transferred to Kapama by December 2014 it should be written off –*they say it was, but I have the notice of assignment – which was sent by email at the end of January 2015. The main questions I have: Can they register a default now? Should/can I stop making payments? They're currently being taken from a debit card by Opos. How should I proceed? Should I continue to complain on the grounds of that FCA ruling? Do you have any contacts at Opos/Kapama better than the general enquires address? I know there's a bit of duplication there - but as I've paid back so much of the original loan, the credit file listing and the potential relevance of MiniCredit's shutdown, I'm really not sure where I stand. Thanks in advance – I really appreciate it.

My sons bike got stolen, police have found it and sent letter for collection, what are the fees as I don't know if it is worth getting back, if they keep it what will they charge him. he Thanks Mashmallow

My TV aerial fell off the roof (in the storm) so I rang up asking if I still had to pay as I could not get reception (not even through the Internet). I then discovered that I had overpaid by this method of fortnightly installments. Not really worth cancelling my licence but I was pleasantly surprised I did not need to pay for 6 months and I was £109.80 overpaid. Worth a try if you have been paying for a bit.

hi all I have been taken to court recently for no having a tv licence . I did set up a direct debit that apparently didn't go through for whatever reason. im a carer for my mom and have a daughter that has adhd a job and a college course so I haven't really got time to go through the threads so apologies if its been asked before I entered a plea to court of guilty and explained what had happened. pointing everything out and asking for a way of paying by instalments. after a few weeks I had a letter requesting fine in full. I wrote to them asking to pay in instalments. however this was ignored and I had a hand delivered letter the other day saying the debt is now £445 !! it says if full payment is not received they'll be attending my property to seize and remove goods. im worried sick now . I cant believe they've put the fine up ,in fact doubled it when I had asked for a payment arrangement ! Is this legal?