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  1. Hi, I took one of these out back in the day around 2000 maybe..? I phoned them today to put a claim in. The lady asked me a few questions and said they had a £3600 amount on file. She is going to send me some paperwork. I defaulted on the account and it went to Cabolt finance. I can't remember why i didn't pay it but they will ask me in the paperwork they send I am guessing. I think it maybe because i split with a partner and moved back down south which meant i quit my job. I don't think that is a reason they would pay out on is it as I intentionally made myself unemployed
  2. Personal Independence Payment (PIP) Document Sources of Interest Personal Independence Payment (PIP) https://www.gov.uk/pip Personal Independence Payment Handbook https://www.gov.uk/government/publications/personal-independence-payment-fact-sheets Northern Ireland - Personal Independence Payment (PIP) http://www.nidirect.gov.uk/index/information-and-services/people-with-disabilities/financial-support-for-people-with-disabilites/personal-independence-payment-pip.htm The Personal Independence Payment (PIP) toolkit https://www.gov.uk/government/publications/the-persona
  3. I'd like to start this thread with a big, fat 'mea culpa' and declaring my limited company insolvent AND declaring personal bankruptcy are the only routes left to me & I'm at peace with that. I have confirmed this having spoken with my accountant, an insolvency practitioner the accountant recommended, the Citizens Advice Bureau and Business Debt Line. My question, however, is in which order do I execute these? Business first then personal? I've had conflicting advice from the IP and BDL. I only want to do this once (obviously) and do it right so am nervous of st
  4. http://www.expressandstar.com/business/uk-money/2017/01/27/figures-show-steep-rise-in-recorded-personal-insolvencies/
  5. Hey, I haven't posted on here in a long time but I have just received a Claim Form from Lowell Solicitors on behalf of Provident. I used to work in litigation, but that was 7+ years ago (unqualified legal assistant), so whilst I am familiar with small claims and county court processes, I am a little rusty all the same, so I hope to get some information from people in the know... The date of issue is 31/01 I have filed AOS I am calculating the date for the defence to be by 04/03. I have made a CCA request to Lowell Plus I have made a CPR 31.14 request to Lowel
  6. Please would any member be able to assist with the following issue that I am having with Clydesdale Finance who have changed a default date with Experian Credit Expert which has greatly affected my Credit file. The issue is: I had had a debt that should have expired 04.01.16 after 6 years, I was eagerly awaiting this to enable myself to move forward with my own financial plans. I recently checked with Experian Credit expert to make sure that my score was still at 999 and that the expected bad debts would disappear from my personal report. I was amazed to see that my
  7. As a self-litigant after almost seven years of ongoing PI claim for PSTD which was initially for 40k. My barrister took over my case 2years ago and elevated my claim to 90k. We had two days hearing. I prepared the bundle and delivered personally to his office a week before the date. I asked for his skeleton argument, he replied, that is my own side, I will deal with it. Hearing date the defendant barrister handed his skeleton argument to my barrister my barrister said he didn’t know he had to do one. He borrowed my Ipad and held the court for 1.5 hrs pretext of negotia
  8. A family member recently passed away suddenly with an outstanding balance on their personal loan a/c of £2,000, £400 in their current a/c and £500 in their savings account DWP have contacted me to inform of an overpayment of pension credit of £200 which of course must be repaid Next of kin has been in touch with RBS bereavement service, whom claim they can take the £900 in the deceased's RBS a/c's against the outstanding balance of the loan 1. Is this true? 2. What happens to the remaining balance of the loan? 3. Should we inform RBS of the DWP overpayment? & 4. Can th
  9. Hi, Luckily I've not had to use this site for quite some time, however I can't find any advice on this anywhere so I'm hoping I can count on this site again to shed some light on something. I have a personal lease vehicle, for which I get a car allowance from my work as I need to travel for my job. I'm an account manager so being at customers reliably is a must so I chose a decent reliable vehicle. A Skoda Octavia VRS Estate, which has been great up till this week. I have kept the car serviced as per the manufacturers instructions as I took the full service, maintenance and tyre
  10. I wonder if anyone can advise me of a contact number or help regarding a loan taken out pre regulation via Central Trust CT capital with Endeavour personal finance who are now HSBC HSBC blame Central trust as the broker - Central trust say they were not regulated pre 2005 so told me to look at the underwriter who were Hamilton Insurance. I believe they are now Aviva Insurance. I have telephoned many Aviva numbers today - they all tell me that they have never heard of a PPI claim with them as the underwriters?? Am I going mad? I really have no idea who to
  11. As a former director of a company that is subject to a winder, I can being sued for sums due to a trade supplier under a PG. I resigned before the winder was made. The debts were incurred during my directorship. Can the trade still sue me?
  12. I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?
  13. I've got 4 accounts totalling £10K in debt, either credit card or bank loans. All 4 are defaulted on my credit report and are all around 4 years old. I received a 'Pre-Legal Assessment' letter from Lowell regarding one of this accounts this morning advising my account is being escalated for legal assessment, threatening potential Sheriff court action. This particular debt is only for £256, so I presume this is probably just hot air. I'm currently living with my partner and I want to know what are the chances of debt collection agents of bailiffs turning up at my door? Wo
  14. Hello, we have a car loan with a company and in the last 12 months we've received two email both containing a lot of attached letters that contain personal information on a significant number of people. They contain name, address, bank details, car reg details and so on. I'm a bit concerned about this as I worry that our details have gone flying around to others! I also feel sorry for the people whose details I'm seeing! I've alerted the company each time and just received an email back saying "sorry about that, just delete", very offhand about this! Is there anything else I should be doi
  15. Hey folks, need some advice. Hubby had a motorcycle accident last November. Was hospitalised and had surgery. 5 months off work with only SSP. We got through that. We had a witness and the police prosecuted the driver for driving without due care and attention. That went to court in June last year. Hubby had 12m review with surgeon yesterday and has to have further surgery in 3 weeks, meaning more time off work. Our solicitor is telling us that the other parties insures have not responded to their push for admission of liability. Court proceedings were al
  16. Just been informed that i will not be getting this benefit, i am currently in receipt of DLA. The decision and reasons has been based on a seven minute examination and what has been alleged to have taking place in that period of time is complete and utter made up rubbish. Luckily for me in a sense is that i had a witness my wife who taped the whole seven minute examination which is at complete odds with those giving by the [removed] person who Atos used to examine me. Might send the footage to the media and expose just how and in under ten minutes the government are relying on t
  17. Hi, Sorry for the basic question but I'm struggling to find an answer. As a sole trader, do I pay class 4 NIC's on my personal tax allowance or do i deduct my expenses AND personal allowance from my gross profit and then pay class 4 on what remains? Thanks
  18. Hi just wondering can anyone assist or have had similar issue: I purchased a hp car after 6 months and faults i returned the car and wanted to upgrade to a bigger car. However i could not obtain finance was advised that if i got another family member they could try that. my sister went with me and they obtained what we were told was finance and that there was £2000 negative equity from the car i had returned and that this would be added onto the monthly payments. We also purchased gap insurance and were advised that everything was the same only difference was the amount.
  19. Hi, my Aunty as just told me when she took out her mortgage in 2003 with Santander she was advised to take out Personal Protection Insurance separately, which she did. She wants to know is this the same as PPI ?? We have looked on the internet but it's not very clear wether it is or not. Thanks in advance.
  20. Hello, Been a while! I'm trying to arrange a PPI refund on my load with GE Money. I've sent them a form detailing my complaint - and they've come back to me today, saying- They've looked into my unfair PPI claim They've looked into the commission paid to by the insurer to the lender. They're not going to uphold my complaint, because, according to the copy of the agreement shown - the loan was dealt with by a broker 'The Personal Loan Express' it was taken out in September 2003. all the boxes were typed in, and all the boxes ticked for
  21. Hi I have recently been offered a new job and have consented to background checks, i said i was unemployed for five months and they want evidence of this, but i didn't claim and benefits (was living on savings with some help from my partner). The issue i have is they want a bank statement spanning that length of time which makes me feel uncomfortable as i find it very invasive. Also my partner didn't have a bank account at that time so let him use my bank details for his employer to pay his wages into my account, this will obviously show up on my statement.
  22. I am wondering where I stand with this. I have been told that Dukes Bailliffs made a visit to my workplace today. They handed a letter to one of my employees. However this letter had my contact name but another companies address, which is just around the corner, said employee thought it was for them and they had got names mixed up. the company opened the letter which they found was from Dukes Bailliffs but was infact for me. I had my name and personal address inside, saying the same old thing. We have visited your home today and you have 7 days to get in conta
  23. Hello All I am currently being harassed by ROCKWELL DEBT RECOVERY for a guarantee I signed a few years ago. Back in 2011 I closed a business (ltd) which was losing money all was OK and went well with that side of things, I knew that I had signed a personal Guarantee with Lloyds to get access to the LOAN GUARANTEE SCHEME that the government ran. I knew it would be a matter of time before they came knocking but I waited and waited and nothing happened, until I got a letter last November from lloyds asking me to contact the wholesale banking recoveries. I did
  24. Hi I'm a new user seeking some advice with loans2go personal loans. I took out a personal loan with loans2go for £800 with a monthly repayment of £156. Now my partner has previously had a loan with them which he did not pay and has received a CCJ they mentioned this when I took out the loan but gave me it non the less. A couple of days before the first payment was due I was taken ill resulting in 2 hospital admissions and I will require surgery and I have been signed off work for a number of weeks. I cancelled my card as I just cannot afford the repayments any more
  25. Dear All, In June 2014, my partner and I arranged an overdraft with our business bank (Nat West) as match funding for a government loan scheme. We were asked to sign a personal directors guarantee and, at the same moment in time, signed the waiver to legal advice form in the bank's office. Sadly, our business has now been declared insolvent and the bank are now calling in the personal guarantee for £20k. Originally, we did not believe we had signed a guranatee but the bank have now come up with the evidence (although that was never originally forwarded to us so
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