Showing results for tags 'solicitors'.
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Cancelled membership at DW by letter (normal post), called to check rec'd letter but mgr would called me back if probs as not there. No call rec'd. Another DD taken so sent further letter and cancelled DD. Ltr from gym demanding money. Rang again but no call back. Ltr from ARC. Called ARC and said I'd sent ltrs and called. Called DW and mgr busy. Call received from ARC saying they'd spoke to gym and initial ltr not rec'd so insufficient notice given. Apparently onus on me to check ltr rec'd and no proof I sent it but pointed out no proof they hadn't so my word against theirs! Am I less honourable! Called DW again and mgr answered phone. He wouldn't budge. Said my fault and I can't prove I sent it (apart from copy I have). Two days later and today rec'd ltr from sols in Nottingham with added expenses! Where do I stand and have others succeeded in their disputes like this? Do I have to pay admin charges and sols fees? Thank you -
Dear Forum I received a Court Claim from Mortimer Clarke Solicitors on behalf of Marlin group who bought a debt from Lloyds, MC allege that I failed to pay loan repayments and claim the outstanding debt. The Claim was sent to a house that I let to tenants and not my home address. I had no prior notification of the claim. The Debt looks like a case of ID fraud as I have never taken a loan from Lloyds. The Claim wording states: ' By an agreement between Lloyds TSB ("LTBS") & the defendant on or around 05/09/2007 ("the Agreement") LTSB agreed to loan the defendant monies. under the terms and conditions set out therein. in breach of the agreement the defendant did not pay the instalments as they fell due & the agreement was terminated. the agreement was assigned to the claimant on 28/11/2013. THE CLAIMANT THEREFORE CLAIMS: 1.£13K.... 2. interest pursuant to section 69 of the County Courts Act 1984, namely £4k.. ... & continuing until judgement of sooner payment at the rate of 2.94. A few months ago MC wrote a letter to me to my actual home address about a debt of 4k and if not paid within 14 days they would issue proceedings to asking for money to which I responded saying I was not aware of debt and I had no intentions of paying and if they did go to court I would defend using my solicitors and if they did not confirm their intentions within 14 day I would take it that they would not peruse further. 14 days lapsed and no response was ever received. How should I respond. I know I need to acknowledge the claim? (my friend told me, if I don't respond they will get a default order, but I could get this set aside as they knew my correct address and they may therefore withdraw the claim and send their lead up letters first before going back to court if they think the have a case, as the court does not like pre-action protocol not followed). Do I need to write Mortimer Clarke about wrong address used and ID Fraud as before. If MC recall the court claim made will they get their court fee of £500 refunded as made in error? Do I call the court to say the wrong address was used and MC have not sent me prior letters regarding this alleged debt? Also they have stated on their claim form that 'the defendant on or around 05/09/2007' _ Do they actually know the date of the agreement and do they have a copy or are they just trying it on 'ON or AROUND? I would appreciate a response as time is ticking. Thanks Jav
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I am in the situation where i was the victim of ID Fraud from a previous address. Hillesden have been at me for the last 18 months. I told them i had no knowledge of this debt, put up or shut up and take me to court. I did the usual and put it into official dispute. They came back and stated they believed i was the person that they were after and now seek payment. Now after a 6 month lull i get this. Looking through various threads it seems that hillesden purchase the right to use the Alpins letter head as a frightner. Is this true, or do i need to rack this up a gear myself with hillesden thanks -
Has anyone on this forum received letters from SLC Solicitors based in Shrewsbury threating that they will commence legal proceeding for non payment of ground rent charges? I have had a property for about 10 years, In the past the ground rent company sent me letters which I responded to and paid, but I just realised that I had not received any demand for ground rent for the last 2 years; I recently got a letter from SLC solicitors stating that I owed some ground rent + admin charges; they sent my mortgage company a demand letter asking for additional £300.00 more money than was written in the letter sent to me. I promptly responded asking them not to pay any money on my behalf as I intend to challenge the extra charges attached to the demand. I recently wrote to the builders that sold me the property requesting they send me the name of the company that was authorised to collect the ground rent on their behalf, they replied Indicating the company the freehold interest was sold to. When I wrote to this company, I got a response from them that my details were not among those passed to them as they had no record of my property. Looking through the pages on the Internet, and I see a lot of awards given to SLC Solicitors for recovering debt, but when a £100.00 ground rent becomes £500.00, it doesn’t add up. If a person is financially stressed and cannot pay £100.00, where are they going to find £500.00? I will like to hear from past & present Individuals about their experiences -
Hi just wanted some advice please. took out a loan with Citi Financial in 2003, ran into difficulties in 2007. Tried to contact them but number was discontinued, i went to their Hull office and found out they had moved out of Hull. i tracked them down by ringing around and waited for them to contact me after leaving my details. I waited and waited and waited, rang them again. still no reply I thought you can whistle for an arrangement till you contact me. They got in touch with me in 2009 and i paid £30.00, then nothing until now. Arrow Global have instructed their solicitors called Restons. They rang my ex husband at work today and left a message for him to ring them. Ex not happy and contacted me to ask who it was. I rang them and was told we owe £5k and can i pay today. I have asked for paper work and they want to charge me an admin fee of £20.00 or they wont send me anything. I have checked my bank statement and did pay £30.00 but have paid nothing else. Should i make an arrangement to pay as they say this will stop any court action. thanks in advance, Debbie
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Hi i got a letter from restons solicitors a couple of days ago asking for 348 pounds for a debt ive never heard off. i send them the prove it letter, they write back saying weve seen this type of letter before and its not legally binding... ...so they say were going to issue legal proceeding now ...im thinking this is just a scare tactic, i mean how can they take me to court for a debt ive never acknowledged, have no details and they dont provide any... .are they for real... Can anyone advise with a suitable reply please. The debt has no dates or details jus says "arrow global guernsey ltd". ...never heard of them...... Thanks in advance.... Cheers jiggy -
hi guys, i recently sent off a template letter to restons solicitors regarding an old o2 account telling them my o2 account that has been passed to them is now statute barred. they have responded with a letter stating the account was opened on or around 21 june 2005 and a credit in the sum of £8.50 was made on the 8th june 2008. i am 100% sure no payments were made then, i have no proof, but by the wording of their letter (the on or around 21 june 2005) neither have they. they are now asking me to complete a financial statement and return within 2 weeks or legal proceedings will commence. have i opened a can of worms here?? i am guessing i can ask for proof that the credit was made and that i made it? any help please friends and thank you for reading. -
Hi Can anybody offer me some advice please Situation : house is in joint names although now divorced and I currently live in property with my daughter who is 9 and I pay all the bills There is a charging order on the property in favour of ME III Limited as I understand it - I have today received a claim form from stating they are applying for Order of Sale. I did offer back in October 2013 to pay £10 per month and asked they provided me with bank details to set this up, they never did this although amazing a letter has appeared in the witness bundle which I never received. What is my next course of action I called them today and s aid I am happy to pay £15 a month ( I thought that because of the charging order they would get there money back when the house is eventually sold but obviously this is not the case) I am not sure how to proceed Any advice would be great From a worried Mum
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Hi Guys, I hope your well. I had a mobile phone contract with Vodafone back in 2011 and made regular payments on time never having any issues. Towards the end of the sim only contract Vodafone were contacting me to try and encourage me to upgrade to a new contract along with taking a handset as part of a new contract. I refused to this but when sales rep was discussing my options he said I had never used more than 300 minutes in a month. However maybe a month later I received a bill from Vodafone saying I had exceed my allowances of minutes and I owed them something like £150. I was immediately suspicious of this as had never used anywhere near my allowance of minutes in a month and the vodafone service where you can check your minutes had stated I will still within my allowance. I contacted Vodafone and disputed the charges and asked for an itemized bill listing all of the numbers I was alleged to have rang so I could I could check the charges were valid. I never received any response to my requests and as the contract was due to terminate anyway I took out a contract with another provider and never had any further correspondence from Vodafone. That was till yesterday when I received a letter from Bryan Carter Solicitors on behalf of Fredricksons stating that unless I pay them £202.00 prior to the 09/04/14 they are going to issue court proceedings for an amount of money I don't believe I owe and have never had any sort of bill for. I have also checked my credit file and it shows a default on there from a company called Lowell who have performed numerous unlawful searches on my credit file as well as registering a default in 2013 although the alleged debt related to 2011. I am unsure as to how to deal with this threat from a company I have never heard of and debt I have never had any notification of. I believe there is some kind of prove it letter I can send to Bryan Carter asking them to provide any supporting documentation to go along with any claim they are trying to bring against me. I appreciate the amount of money owed is only small but I have always disputed the charges and never had any bill. I was also completely unaware my credit file was being accessed by a company (lowell portfolio) who I have never had any dealings with. If there any template letters I can send to Bryan Cater solicitors I would very much appreciate it. Any help and advice would be greatly appreciated as I only have till 09/04/14 to decide how I am going to deal with this issue. Thanking you in advance Chris
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ASA Adjudication on Hampson Hughes Solicitors Hampson Hughes Solicitors Edward Pavilion Albert Dock Liverpool L3 4AF Date: 5 March 2014 Media: Television Sector: Financial Number of complaints: 1 Complaint Ref: A13-251321 Ad A TV ad for a personal injury claim service featured two costumed characters walking down the street, one of which tripped over an exposed drainhole. The voice-over in the ad stated, "Accidents are never nice, but the £2,000 up-front on accepted cases from Hampson Hughes will make them a lot easier to deal with. Hampson Hughes. Finally something to feel good about." On-screen text stated "£2000 Ts & Cs apply visit http://www.hampsonhughes.com for details". Issue The complainant, who understood there were significant conditions associated with receiving a £2,000 payment, challenged whether the ad was misleading. BCAP Code 3.13.103.12 Response Hampson Hughes Solicitors said they believed the ad clearly stated that the £2,000 up-front payment was subject to acceptance of the case and made clear that the payment was not automatically awarded to clients. They said they encouraged people to visit their website to view the full details of the terms and conditions associated with the offer. Clearcast said the ad stated in the voice-over "£2,000 up-front on all accepted cases" and considered that that made it clear that £2,000 would be paid up-front only if the consumer's case was accepted by the advertiser. They said on-screen text qualified that acceptance was subject to terms and conditions. They said they had been advised by Hampson Hughes that any claim unlikely to result in an award of £3,000 or more would not be eligible for the £2,000 up-front payment, but they did not consider that condition to be so material that it needed to be explicitly stated. They considered that viewers would reasonably expect that any up-front sum would need to be close to any anticipated future financial award or settlement. They did not think that the other conditions of the award were significant enough to be explicitly mentioned in ad and therefore considered the on-screen text to be sufficient. Assessment Upheld The ASA noted that the ad stated "… £2,000 up-front on accepted cases from Hampson Hughes …" and considered that that implied that all cases taken on by Hampson Hughes would receive that up-front cash payment. We understood that there were a number of terms and conditions associated with the advance cash payment offer, including that the offer would not be honoured if the claim was unlikely to result in an award of £3,000 or more, and that therefore in some cases consumers' claims would be pursued by Hampson Hughes, but they would not be eligible to receive the up-front cash payment. Whilst we acknowledged that on-screen text stated "Ts and Cs apply", in the context of the claim in the voice-over we considered that consumers were likely to understand the terms and conditions to qualify whether or not the case would be accepted by Hampson Hughes, and not whether or not the accepted case would be eligible to receive the up-front cash payment. Furthermore, we considered that the exclusion of claims unlikely to result in an award of £3,000 or more was a significant limitation to the offer and therefore should have been clearly stated in the ad. Because we considered that the ad implied that all cases accepted by Hampson Hughes would receive an up-front payment of £2,000 when that was not the case, and because the ad excluded a significant limitation to the offer, we concluded that the ad was misleading. The ad breached BCAP Code rules 3.1 (Misleading advertising), 3.10 (Qualification) and 3.12 (Exaggeration). Action The ad must not be broadcast again in its current form. We told Hampson Hughes Solicitors not to imply that an offer was available for all customers if that was not the case, and to make clear any significant limitations and qualifications to offers made in their future advertising. Perhaps they should have got some real legal advice first -
In the past I had problems with repayments and went to a DMC who let me down so I handled things myself. Pure Joy I asked for the agreements and took the route if thy didn't have an agreement then it was not enforceable. I have repaired my credit to a good score and my credit file is clean all dropped off but in April 2013 had a letter from Arrow Global were acting for Britannica who in turn has now engaged Cabot. I have no knowledge of the reference number thay have given and the amount does not ring a bell. I have ignored their letters as they were on the 6 monthly cycle. They kept calling but I refused to acknowledge who I was etc. They have now passed the file to FIRE (financial investigations and recoveries Europe Ltd. I had three hate mails on the same day all same date three envelopes and each saying different. I do not recognise as I have said any of the reference numbers given I have checked all my paperwork and don't know what they are on about. My question is should I send a letter stating I don't acknowledge. or should I ignore. I haven't had any problems from any company who didn't have an agreement. Can you point right direction please -
,i had a letter can i get any help with this, im really worried about it, keep getting upset about, be grateful for any help possible
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Hi, just received a County court claim form from Arrow Global via Restons solicitors for a shop direct account that I know nothing about. I vaguely recall having letters from them in the past and I told them then that I have no knowledge of the account and also sent a prove it letter and as such have heard nothing for a while until now. Here are the particulars of claim: The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Shop Direct dated on or about 18/04/2005 and assigned to the Claimant on 13/05/2011 in the sum of 960.50 PARTICULARS a/c no:- DATE ITEM VALUE 01/05/2013 Default Balance 960.50 post Refrl Cr NIL TOTAL : 960.50 I have sent AOS online today 14/02/2014 stating that I will defend the total amount a nd I have also sent a CPR 31.14 request to Restons today via recorded delivery. Do I need to also send a Part 18 request and if so to who? any help will be appreciated. -
Had a good job, career, home, money, etc. Then had a prolonged period of inactivity, debts piled up, not opening letters, spiral of anxiety and stress. blah, blah. Now, for past year or so, been earning, and getting back on feet. Looking to start paying back, and deal with all my debts. Have done as much due diligence as I can, and need some pointers. I have a number of creditors, with debts totalling around 45K. Have been paying token payments of £1 to most, some more. Looking to get StepChange advice and help. But also need some idea of full and final offers to really motor down the debts. So, as a starter, here are some of my most pressing questions: 1: I am having difficulty filling in my Income and Expenditure, as my income fluctuates. (I am working freelance, as am probably too old to be employed by a company.) I am wary of entering payment schedule and failing. Prefer to keep paying token amounts, then offer surplus every 6 months or so. Would creditors go for this? 2: I understand the first step may be to get CCAs from my creditors. Are there any downsides to asking for CCAs? Would creditors sense that I am trying to wriggle out, and go for asking for more, or get heavy-handed? 3: Are CCAs only for debt companies, or even the Originating creditor? (some of my debts have been off-loaded to debt-companies.) 4: What is the purpose of SARs? How does that help me? I understand they might be for finding penalty fees, etc? I know I accrued a lot when I couldn't pay any amounts when I started my downhill slide. 5: When offering Full and Finals, do I go for the biggest first? 6: I have been sold from one debt-company to another on some debts, I dont know what I am paying for on some of the payments!! Can I just phone them up and ask where the original debt comes from? (I have signed up with noddle, and got my list of creditors and credit file, so I have a starting point. I have been reading this forum for a few days, and have built up some knowledge, and seen how helpful this site can be. I would like to ask for some help in taking the first steps for an eventual bright future. PS: would it be ok to list my debts (with some fudging to protect myself) as a starting point?
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I have owned a flat for three years and always paid service charges etc on time with no problems. Recently i received a letter stating I was being taken to court for upaid ground rent dating back three years. I had not received any letters about this and had thought ground rent was part of service charges. I was annoyed but decided to pay as it was my mistake and was willing to pay charges (despite not having received a single letter. This was before the solicitors email (complete with scanned letter I didn't receive). My debts are £100. They want £2779.52 in total and are threatening repossession. is there anything I can do?
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Hi, I would like advice on where I stand regarding a CCJ against me which I have defended received acknowledgement from the court and the solicitors (Mortimer Clarke) but have not received anymore correspondence since 30/8/13 from Courts and 22/8/13 from solicitors which states they have given me a 1 month extension to file my defence. Am I now able to have this CCJ struck out? Any help appreciated
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Reputable solicitors to be recommended?
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Oh dear things go from bad to worse I have just found an unopened letter from courts judgement for claimant in default this is date d the 4 th Dec and I haven't replied as just opened the letter this is for a diffrent debt I am in a lot of debt I won't bore you it's same old problem credit cards to pay mortgage and live due to no work and I am registered disabled now I'm afraid bailiffs will turn up can I still write to courts sorry I'm being a complete pain the claimant is capquest name and address for payment H L Leagal and collections SORRY -
HSBC/DG CCJ/CO - old OD - cleared, now what?
DesperateSusan replied to DesperateSusan's topic in Financial Legal Issues
Hi, I have a CCJ which was for overdraft fees with HSBC. The amount was about £3000. They won the case and a £50 per month payment was agreed with the court which I have been paying regularly. The amount outstanding is now down to about £1500. I recently had a letter from DG Solicitors saying that because I had kept upto date with repayments that they thought I could afford to pay more. The letter also suggested that they may offer me a discounted full and final payment and I should call their office to discuss this. My situation has changed and I can probably afford to pay more, but the £50 a month suits me at the moment. I am interested in the full and final offer, but I can't see how I can approach DG solicitors about this without indicating to them that I could afford more than the £50 a month. Is the F7F offer likely to be at a significant discount? Is there a good way of approaching them about it? Thanks, Sue -
Hi guys, I have a CAPITAL ONE credit card which back in september I had offered to make £1 token payments, my response was that they had referred to fredericksons intl for repayment... i set up a £1 standing order online to fredericksons with a letter to them copying in my letter to capital one regarding token payment and my current financial circumstances... my first token payment went out in december which got accepted and my balance reduced by £1. HOWEVER - i now have a letter from Bryan carter which is there "LBA_S2LIT" template letter giving me 14 days to make payment arrangements with fredericksons.. do I simply copy my previous letters to capital one and freds to bryan carter? as its clear that previous two have taken a complete disregard to everything?? help Dave
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I've had a recent experience and would like some advice please. I had a debt with HSBC bank which covered two separate accounts. I received a number of letters from a firm of solicitors in Birmingham with all sorts of threats and finally there were two CCJ's issued against me. I finally had some money and sent them a cheque with a covering letter. The cheque was for 5750 against a total debt of around 9k and sent an accompanying letter which stated very clearly that the offer was as full and final settlement on all accounts held with HSBC and the solicitors. The cheque was cashed After a period of a few months, I then received a letter saying that I still owed money and when was I going to pay? I wrote to them, with a copy of the letter saying full and final settlement, they now are refusing to accept the letter ever existed and, strangely, they have no letter that was sent with the cheque. They are now threatening me again and I keep telling them they accepted the payment as full and final settlement and have suggested my next step is to send all the correspondence to the county court and ask for the ccj to be removed Does anyone have any suggestions as to how I can now get them to accept they have made a mistake and the debt is legally cleared please? -
Hello dear Forum! Can somone please take a look at this letter i received today requesting £40. This is the first i have heard of this firm and have a recollection of using a car park (NOT on The Hospital Grounds) for 5 minutes last month and left. No ticket on the car, nothing. Now this.... Do i need to pay or shall i just ignore... Thank you -
I recently received letter from them about trying to obtain ccj against me and the claim form from northampton county court. The debt itself is related to capital one credit card which i had till roughly 2006. On the claim it states this debt was assigned to Lowell Portfolio on 07/09/2006. Can they still obtain cccj against me as it's over 6 years and i don't remember acknowledging it in any way? What I should do now? Thanks
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Hi, I think this it the right place to post this? So a week or so ago I receive a letter from Restons Solicitors acting on behalf of Arrow Global Limited, regarding a debt owed to HFC that was taken out in 2001. This debt in my mind is statute barred no payments have been made towards it and it was never acknowledged for a 6 year period, and it no longer appears on my credit record. This evening I get a phone call from a someone at Restons solicitors asking for payment, I told here the debt is statute barred. She said a payment was made in 2010 for £273. I told her this wasn't me and wasn't likely to be someone else. I told her I wasn't making any payment, she told me she would get further instruction from her client and the call ended there. Now I've had time to think about this supposed payment, I think I know where this figure has come from. I few years ago when checking my credit file I saw I had a CCJ on there which I think was for £273. (I can't be sure without the person who paid it for me looking at their statements). It sounds like it could have been in 2010 as well. Now when I rang up to pay this off at the time, the DRA (Not Arrow) who dealt with it had 2 debts of mine. The one that was a CCJ and the other which I now think was the HFC loan. I only paid the CCJ off, and ignored the other, as that one was not on credit file. So what I think Restons are trying to do here is claim that me paying off this unrelated debt, although it is with the same DRA is counting towards payment of the HFC loan that they are now chasing me for. Where do I stand here exactly? So I can be ready if they contact me again. Thanks.
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Hi guys I have the same problem now. I sold some ps3 controllers on Ebay and got the letter from Palmer Biggs last week, with all the feedbacks from ebay and a picture of the product (saying they bought it from one of my customer), claimed me to pay their solicitor fee (£1000), and also the certain amount of the profit, stop to sell, etc. I got these products from China and paid the supplier via paypal, I have all the invoices and funny thing is after I got the letter from Palmer bigs, I have asked the supplier if they are faked, and the supplier replied me via email say yes but sorry did not tell me that. I have also take one of the product to HMV and GAME, both of them told me it is faked but looks very close to the original one. I have stopped to sell them already. I have read quite a few threads from internet and got various answers. I am bit confused and scared. First of all, should I pay them or response to them? Doesn't the trading standard or police should knock my door first if I was selling something fake? Secondly, how big the chance I will lose if I do not pay them or just ignore them? I doubt I will be fined for a large amount because I only sold less than 50pcs, the total net profit I got only around £400. Thirdly, can I negotiate with them for the price? for example, I pay them £300 or the whole profit I got? Thanks
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