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  1. Hi, I’m new - after reading so many posts over the last few days I thought this may be the best place to ask for advice. So, last year my sister got caught receiving tax credit payments whilst her partner was still living there, she received a £300 penalty and was asked to pay back the £8k she received. A few months after this she did actually split with her partner and, to make ends meet (she has 3 children and works part time) she started a new claim as a single parent and started receiving tax credits again. She started seeing her ex again, he was staying a few nights a week and they
  2. Hi, I purchased a Peugeot 207 from a reputable dealer (or so I thought) for just under £3000 just over six weeks ago. This car is on finance. The car broke down, the clutch has gone completely, just after six weeks and I have driven less than 200 miles in the car. The dealer are blaming me for the fault and are refusing to put this right. I have quoted the consumer law 2015 at them stating that they have to prove the car didn't have the fault when I purchased it. They are still refusing to deal with the situation and that I have to pay for repair. Now I am des
  3. Hi All, I purchased a Galaxy S7 at the end January 2018 from Cash Converts for 250. It has been in a case since buying it with screen protector. Last night the screen has got a line through it . I looked at receipt and spoke with Cash Converters and they only offer 6 months warrant - No help at all. I am aware there should be a less expectation regarding the quality of second hand items and the fact warranty is optional. I am more interested in my rights under the CRA. A 250 pound phone should last longer in my eyes than 8 months! I have no experience with civil law. I jus
  4. Hi there, Yesterday I received a letter from Lowell & 118 (together in one envelope) that Lowell are now the new owners of a 12 month unsecured loan I stopped paying in November 2015. During this period I also defaulted on 4 loans with 4 different payday companies however by now I have taken care of all but this one. I fully intend to take care of the last of my mess which rules out the PROVE IT route but there are a few stumbling blocks before I can do so. After checking my credit report I notice a second default has been placed on my account. How do I go about getting this
  5. I Bought a second hand Audi a couple of months back, part exchanging my old car. We are not talking a brand new car here but then there's not much change from15k either. From my first dealings with the garage they always seemed friendly and helpful but communication was always a challenge in that I constantly got different information depending on who I spoke to. Messages were not passed on and emails not answered. Having finally collected the car and after a few communication issues, more problems began to arise. Within a few days the new smelling car started to have a foul odour and it
  6. Hi This is the second post I have going at the moment but I really need to clarify. Back in 2009 I took a second mortgage. I had a fixed rate for 4 years then went to tracker. After 4 yrs and credit crunch I said to the lender I would like to change my rate to be told I couldn't as it was a secured loan not a mortgage. I stated no its a second mortgage and all my paperwork refers to it as a mortgage. I now also own my own home Mortgage free (still own and selling the property with the second mortg,) in my paperwork it states I can transfer the loan onto the new propert
  7. Has anyone been asked to fill in a second full PPI questionnaire after completing their online form? I rang them up about this and they said that the posted questionnaire had some additional questions and this would help them to assess the complaint. I'm naturally concerned that this is another delaying tactic as they do seem to be going at a glacial pace. I also wonder whether they're looking for differences between the online submission (that they don't send you a copy of) and the new form. On balance I don't think I'll bother to spend another half hour providing them with inform
  8. Hello, Found myself stuck in a bit of a situation and feel over my head. Have just received a letter from Lowell solicitors in the post titled 'Second notice of county court judgment (ccj) arrears - £150' This is from an old debt from orange dated 2013 or thereabouts. i last received a letter from them in 2015 and have never contacted them in-regards to the debt. The letter starts We wrote to you previously regarding your judgment arrears, but we are yet to receive the payment as required under the terms of your CCJ. As a result you currently have arrears of £150.00 Th
  9. Hi All, On 4-Aug-2017 I test drove VW EOS 2.0 FSI(2006) convertible which has done 67500 from a car dealer in Birmingham. Paid the deposit of 300£ to confirm the same day. Asked him to fix minor things like Covering cigarette holes from seats at a couple of location, changing wheel caps, under bonnet insulation and full valet. Dealer verbally agreed to get this fixed and said he will get the 12 months MOT done as advertised on Autotrader within a couple of days and asked me to transfer remaining amount 3450£ asap. On 5-Aug-2017 I transferred the remaining am
  10. Hi All, A friend of mine is having a problem that I'm helping with. He purchased a secondhand Mercedes sports car for £26,000 from what he considered a reputable car dealer (not main dealer)it was delivered Thursday 13th July 2017. They are FCA regulated (Ref No 658267 ) and a representative of (MBI) Limited (Ref No 312143) He paid £10,000 deposit cash and the rest on finance with Close, the first day he noticed problems which were reported the second day, he thought there were gearbox problems and noticed the active intelligent lights were not working. He was asked
  11. Ok, posting this on behalf of my soon to be sister-in-law. I've tried to get what I thought were all the pertinent facts but I'm sure there are things missing. Anyway, getting to the issue. On 28th April 2017 she purchased a 64 plate Renault Clio from a garage. When test driving the car it had flagged up it had a puncture via the pressure monitor, but the garage advised they would get this sorted. On picking up the car the issue had indeed been sorted so she drove away happy. 1 week later she took the car back to the garage for the first time due to a scraping noise when using the brake
  12. Hello there, my wife received a letter from ParkingEye Monday 22nd May dated 17th May 2017. This is regarding an outstanding parking charge amount due of £100 from Holiday Inn Guildford with the alleged offence occurring 5th April 2017. My main concern is that my wife did not receive a PCN beforehand. In the letter it states that 29 days have passed from the notice of parking but this is the first correspondence received. I still have the right to appeal but only if there are mitigating circumstances as the initial 28 days to appeal have passed.
  13. I purchased a car on the 08/04/17 from Jason Atterbury Cars in Leicester. It came with a clean MOT on checking out previous MOTs online I discovered some discrepancies. I took the car for a pre MOT check at my local testing station on the 29/04/17 they found that the car should of failed its MOT on 2 issues and also have 8 advisories on it. The car was MOTd by ther dealer on the 21/03/17 where it failed on exhaust gasses leaking and an advisory for the front shocker having a misting of oil. on the retest done on the 27/04/17 it passed as the exhaust had been w
  14. Sorry its long just want to include all the details. On the 17th March I bought a 1.6 16v petrol Citroen Xsara Picasso 77k on clock from Trade Cars of Cleckheaton http://www.tradecarscleckheaton.co.uk/ for £1200 paying £700 cash and £500 on a debit card. On viewing the car when I first started it the car gave off quite a bit of smoke for about the first 30 seconds which cleared, the garage staff said, "it will be just condensation as its been standing for while". I test drove it and it drove ok apart from a front anti-roll bar needing replacing which I agreed to do so I bought it
  15. I was on Incapacity Benefit at one time and years ago was sent an ESA50. I filled it in, sent it back, and was granted ESA WRAG, and never had a WCA. Now another ESA50 has arrived, and now I'm thinking they're going to haul me before a WCA this time. I'm also afraid that this means that my ESA has already stopped. Is this so? BTW, should I take my time in sending it back, or send it back as soon as I can? Should it also be Special Delivery?
  16. Hi All My defaults are dropping off my file . Can a second default be initiated against any of them , either by the original lendor or DCA new or old. ? Or is it one default term per debt ? Thanks Andy
  17. Hi there I am a Support Worker employed by a city council. I support someone with a very mild learning difficulty, but they are totally independent. They are able to cook, clean, self-travel, etc. by themselves, and our team is present 24 hours a day to ensure the service user does not make unsafe decisions about relationships, or get in trouble with the police for anti-social behaviour. They live in reasonably small, modern 2 bedroom flat on the 4th floor. The single bedroom is designated as the staff sleepover room. The flat is owned by a housing association, which t
  18. Hi there people, I have bought on a part exchange a second hand car... All good to go...only that while driving home car stopped 2 times. I have stopped at the first petrol station and filled up a £25.00 as these guys would only leave you on red just enough to make it to the first station available. Anyway, to cut the story short I have called the guy ( trade ) saying that as the car has problems I will return it and would want my car back.... Finally done and dusted but when asked about the petrol money he said that he would not give me any money.... why??? The care supposed to be
  19. Hello everyone - I'm looking for some recommendations following a problem with an EE contract and phone. This is the current situation: My partner has a monthly contract with EE. Her phone stopped working so she took it in for repair under warranty. When it came back it was reported to be unrepairable due to water damage, even though it has been nowhere near water. She asked if she could buy a replacement phone to use with the existing monthly contract and was told by the guy in the EE shop that there was no way to do this because EE only sold phones for PAYG purposes not fo
  20. Hi I just bought a second hand car from what I thought was a second hand car dealer on Gumtree called West Cars. I bought the car on 6th Nov. I had only driven it a couple of times and it seemed fine at first but yesterday driving back from work the engine cut out on five separate times when slowing down at various junctions and it took several attempts to restart it. I also noticed a burning smell coming from the back of the car which wasn't there when I test drove it. The car was delivered to me at my home address. The ad said it was a good runner, had a long MOT and only one previ
  21. bought a second hand car from a person who actually sells cars and advertises them on the side of his house car got mot ok however when driving the car home saw that the mileage was not showing when i went to see it they said it was 100,000 anyway checked mot and last mot was 156000 got a m8 to check the mileage with a torch and it read 175000 what would you do????
  22. Looking for some advice please. I bought a second hand car just under six months ago, it is on HP. I also took out an aftermarket warranty with Warranty Direct. The dealer gave a 3 month warranty but I know the company they use are rubbish so I decided to get my own. A few weeks ago it broke down. Had it towed to my local garage (didn't take it back to where I bought it as its quite a way from where I live and they have any proper workshop facilities). To cut a long story short the engine has been stripped right down, and the diagnosis is seiz
  23. apologies if this is long-winded. Basically I have a hunch my vehicle has clocked mileage, there are some tell-tale signs like the wear on steering wheel. the vehicle came from Southern Ireland, so would possibly have had KM clocks, but now has mileage clocks and is in the UK, the UK MOT certificates show corresponding mileage to what the vehicle now has. I don't know if the vehicle came to the UK privately, or with a dealer of some form importing the vehicle/first MOTing vehicle. the vehicle was written off in the UK and I bought as a damaged repairable from a salvage site
  24. Hi all, I purchased a second-hand freezer for £40 from a second-hand shop two weeks ago. My father and I loaded it into the back of his car with the help of the shop assistant. We drove it home, unloaded it carefully and plugged it in. I threw some frozen food in there the next day and, a few days later, went to get it out. It was all melted, because the freezer wasn't working. We unplugged it, plugged it back in, fiddled with the dial switch ... Nothing worked. When I went back to the shop to tell them this (they offered a one-month guarantee that it would work), the manager asked
  25. Hi All, I had started a CCA process with Idem servicing with the OL being Citi Financial. I took out the loan in 2007 and have had a minimum payment going out. All payments have been stopped whilst my CCA request is in process. Idem promptly replied within the set time of 12+2 days with many copies of the signed contract with Citi financial, i just want to make sure that what they have sent is enforceable, if so should i resume my payments and send a F&F offer to them. I have uploaded the documents that were sent to me.
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