Ok heres the deal. I signed up for a 3 month virgin active membership back around july, after one months use I wanted to cancel, they wouldnt agree and the idiot manager would not even agree to simply talk with me. I didn't use the gym in the last two months but they don't care and the contract doesn't of course. Arc debt collection has been dealing with me, I owed around £170 or something in total ive already paid £90 worth, maybe that was the wrong decision but I do not want to pay them the remainder. I've set loads of dates to pay and many I have not paid and we just rearrange one guy called saying the solicitors will get involved and court action if I do not pay, I do not want to pay them and i did not pay a payment recently. No doubt they will call me saying solicitor or court action will be taken. What should I do??? I know I should have came to this forum earlier. I do not want to pay these morons or go to court and be forced to pay this little amount and travel there since its out of london etc. ????

i had to pay marston money, called them and aranged the payment to be taken in 3 instalments… i thought all was done and dusted i just received a call that i hadnt paid the full amount, and that i must have messed up aranging it with my bank. although i didnt contact my bank at all, i only aranged it through marston themselves and even confirmed at the end of the original call that everything was sorted. the guy i spoke to (called me on a mobile number) said i hadnt paid in full however i had aranged the direct debits with marston who failed to take the full amount in the last payment. they took money, and the full amount was available at the time, they just didn't take enough which i found out just now after checking my bank statement. after informing him that i had aranged it with the marston call centre, he told me he will send an enforcement agent and that i would owe another £265 (ish) didn't ask me to pay the extra before saying this, just jumped straight to that after i said i had arranged for the payments to be taken and it must be the fault if the company. apparently, its my responsibility for marston to take the correct amount according to this guy. what are my rights here? guy was pretty rude calling me son and pal and making it out to be entirely my fault and not the fault of marston.

Hi all, i've been reading these forums for awhile after a certain run in with Harlands/Xercise4less as it appears i'm not the only one to fall victim to their harassment. I would really appreciate any advice regarding the matter - I know that it's not something to lose sleep over but i'm a bit fed up at the moment. Brief background: July 2018 - I hadn't used the gym in a couple months as I moved to a different area and joined a different one closer to work. I thought I had completed the 11 month obligatory period and decided to cancel the direct debit, but I was mistaken, I still had a month left (although I had not used the gym in a couple months by this point already) August 2018 - They send me an e-mail saying I owe them 36.99 (11.99 missed gym fee and 25 pounds administrative charges.) I ring xercise4less and harlands (a mistake) and do not manage to resolve the matter. I send them an e-mail that I recognise there is a month's missed fee and am willing to pay that, but will not pay them any more and will not offer anything further if they do not accept. October 2018 - They have continued to harass me via e-mail and the charges have accumulated to 110.97 and are they are now e-mailing via CRS. They say that if I do not pay, they will have no option but to take legal steps. So i've drafted a letter which I will send to them via post, but I was wondering if there was anything else I should do/add to the letter before I send it off! Again, thank you for your time and any advice would be much appreciated. Best regards, worriedwort

5 months into a 6 month AST, they are over 2 months in arrears. LL knocked on the door last night and the house is empty. All of their stuff is gone. Tenant unresponsive by phone has blocked numbers etc. Questions: 1) What to do about what seems to be surrender of tenancy? LL obviously wants to get in asap clean up and re-let, however I think ti is not as easy as that? I "think" that if we can get tenant to sign a "surrender of tenancy" form then that covers it? But I am unsure. 2) I assume small claims to recover the monies owed?

Hi All - For those of you who have not read my issue, here is a history on another thread: https://www.consumeractiongroup.co.uk/forum/showthread.php?485667-Got-CCJ-due-to-council-and-bank-blunder!!-what-compo-should-i-ask-for&p=5116746#post5116746 In a nutshell: - own a rental property in another London borough to where I live - council initiated CCJ proceedings for non payment of Service Charges (payments were being made but without a reference, so monies could not be allocated to SC account) - council's solicitors were sending court paperwork to rental property, and not correspondence, despite council providing correspondence address - CCJ issued - Council solicitors have taken the responsibility to remove CCJ at no cost to me - in their draft order to remove CCJ, the solicitors were giving false info in their statement of truth section. AND still continued to send paperwork to rental property, despite having correct correspondence address. There have been invaluable help on this forum, so any help with this would be greatly appreciated. BF I know you mentioned suing them for negligence - could this be something we look at whilst waiting for SAR's from bank and council? Many thanks in advance, Jay

Hi Can someone please advise whether my car is exempt from being seized by Bailiffs for a debt of £1700 when it's only worth about £400-£500. It's also vital as my role as carer for my two autistic children, it's not an official disability car but I'm their registered carer and need it to take them to appointments and to and from school as public transport is a no go due to their condition. As I understand vehicles with a value less that £1350 that are needed for work are exempt, does my role as a carer put me in this category? Thanks Lisa

So I had a phone call just now... From a number 01639 617412 Claiming to be "We Take Them On" - They asked me had i ever taken a PDL? I played along and said "Yes"... "Well have you ever had to roll them over?" He asks... I stopped him right there... "Dude, you do know you are talking to someone who has written a full guide on reclaiming PDLs for free right?" He stopped dead... I offered to send him a link to CAGs free guide... He said "No Im Okay thank you..." The call then ended... In which I laughed... He wast happy when I told him I help do it for free...

Just had a visit from Marstons Bailiff, over a speeding fine for my partner. Once we received the letter we filled out a Star dec and sent it off. When he arrived he stated a few things. 1. Stat dec was irrelevant as it hadent been infront of a judge. 2. That he was calling a locksmith @ £100 an hour. 3. That their system says to continue with the warrent. OK I called the court, and the stat dec has been accepted and Marstons has been informed. Called Marstons who state that their system is not uptodate but refuse to call off bailiff. Speak to bailiff who says more bs and that he is again calling locksmith. I try and explain that the stat dec is valid and the court has accepted it. He says that the stat dec is not valid until I have been infront of a judge and kept asking me for a "date". Called the court again and spoke to the same woman and passed phone to bailiff, who started having an argument with the bailiff, she told him to back down as their was no warrant. Told her over the phone that he doesnt take orders from her and hung up. Spoke me to again and told me that he doesnt accept her word and will again be calling locksmith. After finding out the court has accepted the Stat dec I called marstons and said, I dont care if your system is not uptodate, that is not my problem, and that I have advised that the stat dec has been accepted. He was still outside and his final words were "Just going to my van to wait for locksmith" Now he has gone, had a good look round and cant see him. I want to take this further and make a complaint about this, I have read about taking it to the police and making a witness statement under Threats to Cause Criminal Damage, which is contrary to Section 2, Criminal Damage Act 1971. Can anyone point me in right direction please.

Hello all, An acquaintance of mine got a parking ticket some time ago. The ticket and all correspondence went to her Grandmother’s address as she had previously lived there before being rehoused by the Council. The ticket remained unpaid and was escalated and the amounts increased. She lodged an appeal and a rejection dated 1st March was send to her stating that her appeal had been received out of time. The letter further stated that she would have 14 days to further appeal if she was not satisfied with the outcome. The letter arrived either Saturday 3rd or Monday 5th and waited in the house unopened by the Grandmother until today 6th March. I happened to be working with a family member (the girls Auntie and the householder’s daughter) when we got the message that Marstons HCE had knocked on the door and been let in! I at once went with the Auntie to the house which is a well-to-do four bedroom property to find a single and very unpleasant HCE from Marstons. The hall had some items in it that the guy had taken out of the dining room and living room, notably a TV, a nice small draw set and some pictures (prints I think rather than originals and not of significant value). I pointed out to the guy that these items were not the property of the Grand daughter who no longer lived there. He said we would need to prove that. I know for a fact the daughter lives elsewhere as I have known the family for over three years. I asked to see the paperwork related to the search and he said he did not have any as it was all on a tablet computer. He refused to let me see it as he said (probably correctly) that under data protection rules he could not show it to third parties. I do not know if he showed it to the grandmother (presumably under DPR he should not have!!) or if she comprehended what it was. By this time a Community Police support Officer had arrived (we had called the police) and she stated she was there to stop a breach of the peace and not to take sides which I expected and accepted and is I think the proper police stance. I pointed out to the officer that no printed paperwork had been produced or was in evidence, that the guy was not apparently making a list of items for removal and that he had been told by three different people that the granddaughter did not live there and as he had already stomped all over the house it was self-evident she did not live there. It was further evident that the items being taken were the property of the householder, they were not taken from any of the bedrooms that might conceivably be occupied by a granddaughter but from the living room and dining room. At that point the support officer called for backup and in short order two uniformed constables arrived. The police I think found themselves in a quandary as the HCE was adamant that it was up to the householder to prove the items did not belong to the granddaughter not the other way around but I thought this was an abuse of the situation as, to repeat my phrase from above, it was self-evident that the items were that of the householder. One o the police officers was shown the tablet computer and confirmed that a warrant (or writ or whatever the document is) was there for the collection of the fine or removal of goods) though I never saw it myself. The situation came to an end when the Granddaughter was got on the phone and asked her grandmother to pay the fine of which about half could be raised. The HE was unrelentingly hostile and rude. He did not like the situation reversing as one moment he was in a large house by himself towering over a small woman in her seventies and then next he was confronted by myself, a daughter and three uniformed officers. When we told him we would peacefully obstruct him from removing any goods (by standing in front of the doors) he threatened to "remove us" to use his terminology. The woman was left (temporarily) out of pocket some hundreds of pounds and left shaking and her house was in some disorder. My questions here are as follows 1. If this is at appeal should HCE action be suspended? 2. Once the letter is issued rejecting the appeal should HCE action be allowed to continue during the 14 days the Rejection letter allows for a further appeal. 3. Is it reasonable for HCE to arrive six days after the DATE of the Rejection letter, it can hardly have had time to be opened and read, never mind acted upon? 4. Should the HCE not have paper copies of any authority he has to gain entry and seize goods? 5. If he has been told by two other parties as well as the householder that the Grand Daughter did not live there and the items he was attempting to seize were not those of the granddaughter should that not be enough proof? 6. The lady was elderly and had a blood pressure condition. No attempt was made to determine if she was vulnerable and as such refer the Warrant back to the creditor/issuer to see if they wished to continue enforcement, is there a case against HCE for this omission? I hope fellow CAGers will understand that we are all very angry. I beleive that whatevere the merits of the fine and it's collection that the grandmother and her house have been violated. Any ideas who we need to go after? Do we have a case of any sort against Marstons? Do we have a case of any sort against the Council? Can we develop a case against the individual HCE for his behaviour or his firm? As of now the case is over as the outstanding amount has been collected by aggression and dirty tricks and despite the appeal process not being exhausted. Any responses gratefully received.

The following is an extract of the news report published in the Guardian: https://www.theguardian.com/media/2018/feb/22/couple-filmed-evicted-channel-5-tv-show-win-damages-high-court

Evening everyone, I recently purchased a 10 year old car for around £2-4000 below asking price. Also secured a 3 year warranty. All good. Drove it away and a 'Check Engine' light came on. Took it back and they plugged it in, fuel pump issue. Replaced that. Light still on - turbo issue. Took it too a garage, needs a new turbo costing £1800. As it's only one of them, the garage, under the Consumer Protection Act, will pay for it. Cool. Although, advised by the garage that if you replace one, you should replace both. Due to the, apparently, small profit margin, they are not willing to pay the additional cost and have asked me if I'm willing to pay £1000 towards it for the two turbos. My warranty covers everything that is not serviceable and no issues that were present at point of sale. But at the moment we are still in the 30 day period covered by the CPA. I can say 'No' to paying £1000 for both repairs as if/ when the second turbo goes, it will be covered by the warranty. They did say that they would pay for one to be fixed and I understand the reasons it makes sense to get two replaced. However, it appears that they are trying to perform preventative maintenance i.e. the second turbo that might go wrong, at my expense. The second one does not legally have to be replaced as at the moment it's working fine. It *might* cost money in the future, which will be covered under the warranty. Which, I guess they're trying to avoid. My thoughts are to go back to them and say I just want what is currently wrong fixed, i.e. the one turbo they said they'd pay for. Can they turn around and rescind the deal if they anticipate paying more out under the warranty? Everything else has gone through, finance, insurance, tax etc. This is the only issue. To distill, within the period covered by the Consumer Protection Act, can the vendor choose to take back a vehicle purely because they think it might cost them more under the warranty? Many thanks for any advice received. ML

Received a letter today from Vanquis and also Lowells together stating my £1900 CC debt has been passed to them CCA Lowells and SAR Vanquis?

The DWP told me that I had been overpaid last October, although it wasn't until April 2017 that they decided how much I had to repay. This was settled at £3.70 a week out of my Income Support (I am a full time carer who gets Carers Allowance and Income Support) in May 2017. Today (21st October 2017) they have written to me saying they want to review how much I pay them and increase it. It has only been 5 months! My circumstances haven't changed. CA and IS are my only sources of income, and out of that I have bills to pay. Is there a letter I can send which will keep it at the current repayment rate? And can they just increase the repayments? If they did, can I appeal? Thanks!

F-35 jet cleared for Carrier take-off, Defence Minister tells Select Committee READ MORE HERE: https://www.gov.uk/government/news/f-35-jet-and-new-batch-of-uk-pilots-cleared-for-carrier-take-off-defence-minister-tells-select-committee

my doctor will be sent a form from the DVLA to fill in re my medical fitness to drive. In the past 3, 4 or 5 months my mental health has been excellent no problems. BUT earlier this year like 7 months ago I (voluntarily) admitted myself to a psychiatric ward and was there for 3 weeks. I know the doctor will have a question to answer along the lines of "has the person been admitted to a hospital in the past 12 months for psychiatric treatement?" Does this mean I won't be allowed to drive until a year has passed since my admission date, even though I have been fine in recent months? Or does it depend on each circumstance? I'm worried about this, I need my driving licence and my life is on hold until I get it back.

Some help and guidance required if possible, bit of a story behind it all so I'll keep it as brief any more info needed and I'll follow it up. Nearly two years ago I had a Brain Haemorrhage , A large bleed and had Coiling done, Salford Royal Hospital are amazing and saved my life. I had worked in the building trade for 30 years and after the Haemorrr than othershage I was left with the symptoms of a stroke. Down one side , speech mental issues, memory etc. I decided to go down the route of Naturally treating the conditions I was left with and am doing a lot better than hoped. Unable to go back to work I had to claim ESA , I had my first WCA in Wigan and was passed on points and placed in the support group by DWP . After 12 months I had to have a second WCA again at Wigan and ended up having a bit of a row with the Manager. I then had the Assessment and had a strange feeling something was wrong but in the back of my mind I felt comfortable because I had insisted on the Assessment being recorded "what a blessing". Before I carry on , if anyone knows ANYBODY going for a Work Capability Assessment PLEASE PLEASE , tell them to insist on having the Assessment recorded, if for any reason they say no or make excuses please complain . What I say as follows explains. The HCP did her job and carried out the Assessment , a little bit faster than I expected but due to the brain not working as it should I didn't pick up on it . The decision was made by the Decision Maker and I received only 6 points and was told I was fit to work and taken out of support group . Mandatory Reconsideration was done and was pointless having complained about the HCP lying in the Medical report form, and when I say lying you cannot imagine how blatant it was done, absolutely unbelievable. The recordings were transcribed and there in black and white a word for word comparison of what was said , when compared with the Medical Report it was a perfect reverse , every and I mean every word turned upside down. The Medical report described a fit active person . I could go into more detail and will if asked but. Put my evidence in to Tribunal Court although a little late due to DWP not sending me a copy of the bundle to defend against what they were relying on. As I expected it was adjourned . The first thing said to me in the Court was , "not word for word" but , we have concerns that you are recording this Hearing , 3 times I was asked if I was secretly recording and I told them NO. Alarm bells went of in my head, somebody is advising the Court regarding my attitude to having everything recorded , either Maximus or DWP . They were actually really worried and concerned . I asked the Court why no recordings were being made and that I was aware "to my belief" that Court proceedings were normally recorded. I'm sure they said it's because it's not a Court of law. 90% sure that's what they said. I asked if the Court would be requesting the HCP attend , they said NO. How on earth could the Tribunal ignore the importance of what was stated at the assessment by the HCP who then forwarded her Medical Report to the DWP , the outcome was sealed 100% impossible to gain 15 points or more. So it implies to me the HCP will get away with it or at least that's what they think and that is why i'm here.so . 1, Is it possible to start Legal Proceedings against the HCP for fraud 2, Is it possible to have both Tribunal case and Civil case running at the same time 3, Can you insist on the Court allowing recordings being made 4, Would you direct proceedings towards Maximus or the HCP, I would love to name and shame her but understand that I cant at this moment in time This has to be addressed, how many more has this been done to . I would say, that it was done so blatantly done that she must be super confident of getting away with everyone can make a mistake but she may have just kicked me in the balls and stuck the boot in. I don't think that the Tribunal Court have Legal powers, but if this could be gotten in front of a Real Court , then some smelly stuff is going to hit the fan . Can somebody please point me in the right direction of how to initiate this against the HCP . I am confident I can beat the Tribunal , if that goes against me I will Appeal to the 2nd tier Thanks in advance

Hello, I have accepted an offer from a refund plus interest from wonga. Does anyone know how long it takes for them to process the refund and put the money in my bank account? Thanks Paul

Hello Was hoping for some insight or advice on my situation. I've just checked my credit report and have found two sets of "beneficiary trace enquiries" made by Erudio Customer Management Ltd. The first ones were in mid-march against my current and previous address. Then again two months later in May, also against my current and previous address. I have read up and found out Erudio bought the old style students loans. I do have two of these. One from 1997 and then another for 1999 which has been treated as a separate account by the SLC, but must be linked as the only reason I got the '99 one was because I had started on the old system. The last correspondence about these loans was in 2013 when I applied to defer them in the March, which was confirmed in April 2013 by the SLC. This correspondence was to my old address. Then I have an annual statement from SLC dated September 2013 sent to my current address. I have not had any contact with Erudio so hadn't realised my loans had been sold. I've looked into what a beneficiary trace enquiry means and have read on the internet that it is used to trace people who have moved address without informing their creditors, however the last statement from the SLC was sent to my current address so don't know why they would need to do this, as I have kept the SLC up to date with my contact details. Also I am confused as to why they haven't made contact with me after carrying out these checks if they were searching for me. In normal circumstances I would just sit tight and wait for them to contact me but I am in the process of buying a house and am worried if this will affect it. I have checked all my credits reports and cannot find anything other than these searches. However I am scared in case between exchange and completion they put a default on my credit file, the mortgage offer gets withdrawn and we lose the deposit on the house. I have also read that they do 'backdoor' CCJs, so that's now another worry if they only have my last address could they be putting a CCJ on their without me knowing. Is there anyway I could find out about this if they were, other than waiting to see it appear on my credit report? I have a good report at the moment so would be gutted if they knackered that up for me. Not sure what is the best option. I don't want to contact them and offer to start paying as I fear extra outgoings I didn't know about when I completed my mortgage application might make them withdraw the offer. But then I don't want a default or a CCJ to suddenly turn up and have it withdrawn then, especially if its after exchange and my partner loses all their deposit money as well. Any advice on what would be the best approach, or what Erudio are likely to do next after carrying out these searches would be much appreciated. Thanks for taking time to read this.

Dear all I would be very grateful for any help with my situation. I had a SPO following mortgage arrears (£3600) in 2008. Since then I have been making my contractual payments but had missed payments on three occasions from unexpected expenses resulting from direct debits being returned unpaid. I was in a particularly bad financial condition in the last 6 months following an elderly family member falling unwell while abroad. The mortgage arrears accrued to £3400 again and the mortgage company ( a subprime lender) has now applied to the court for a warrant for possession. I panicked and raised money from friends and family to clear off the arrears, but the lender is refusing to accept any payments and instead insists that I send them last three months of bank statements before they would decided whether to accept the payments or not. They insist that until I serve them the bank statements, they can't do anything about the eviction and says an eviction date will be issued in due course. They also made me complete an income and expenditure with them over the phone. I am very reluctant to send in bank statements, since with the financial difficulties over the last three months, I have resorted to payday loans (cleared) and I am very worried this will again jeopardize the situation. I am otherwise in a stable job and would be able to afford my contractual payments going forward. I have raised the money and want to clear the arrears but I am left in this dire situation. With family and young children, it looks as if my fate is sealed. May be someone else on this forum would have had a similar situation and I am sincerely hoping for some advice and help. Apologies for the long post.

Just had bailiff turn, threaten locksmiths and actually called a locksmith for a speeding fine from June last year. He handed me a notice of intention to enter and search premises - removal notice. under Tribunals Act 2007 s12 p2 18b enter premises using reasonable force even in absence. He said he could force entry and a locksmith would be called to gain access. I asked him for his warrant of entry under s15 but he refused. My partner did not know that her speeding fine would be taken to court, she is unemployed and has just had to pay £650 out of her savings for this. Any help would be appreciated? This is for my partner whos speeding fine it is.

A few months ago a male, who is a live in employee at a property opposite my girlfriends house aggressively threatend to smash my face in and knock my teeth out, when I asked a delivery man to move his van that was blocking the driveway, the delivery man moved his van and drove away but the other man made more threat and demanded I fight him in the street and telling me what he will do to me, so I called the Police. Police never came out because they said I was safe inside my girlfriend house. The Police investigated but the male employee who made the threats denied it, the delivery man was traced and also said he didn't see or hear anything, but he had already moved his van and drove away before the threats wre made. Since this occurred the male employee is always outside in the street when I visit or stay at my girlfriends house,, always staring at me and now always parks his van outside my girlfriend house very close to the drive but not blocking it, he never parked there before.

HI everyone my first post on this site as i am in a bit of a pickle around 2 years ago at my gym ( which also happens to be a hotel & restaurant ) company called "millennium door and event security randomly turned up and decided to start slapping tickets on everyones cars ( gym users , hotel stayers & restaurant eaters all included ) as you can imagine there was quite the uproar with many complaints going to the hotel manager about this whom seemingly was unaware what exactly was going on ,but someone within the hotel had agreed that millennium could start ticketing peoples cars under the pretence that they were " managing the car park " i imagine of course the hotel would receive a percentage of any " charges recovered " i avoided the whole thing for a while although i will admit things like this make my blood boil as this business model is created to inflict misery on innocent people and to generate pure profits for the robbers that own these companies i cannot believe that in 2017 companies like this are still allowed to get away with slapping tickets on peoples cars on land they have absolutely no affiliation with anyway around a year ago i damaged some ligaments in my leg , i still attended my gym as there was a good physiotherapist there and i liked to use the pool facility however for around 5-6 months i was unable to walk distances and therefore i would use the disabled spaces provided by the hotel this is where the problems began everytime i would return from using the facilitys i would find a "ticket" on my windscreen i must have collected around 20 of them in 6 months however as i pay a monthly fee for my gym i believed i was more than entitled to use the private disabled parking space provided by the hotel and simply ignored the nonsense tickets i can remember even querying this with the gym manager who said the rules do not apply to patrons and members ( the sign millennium door and event security had put up even mentions this ) i kept throwing the tickets away and thought nothing more of it , until i started receiving mountains of letters from "max recovery" and "goldstones solicitors" more con artists i ignored all these swell thinking it was all huffing and puffing trying to bully money out of me next thing i am being served county court papers from some business centre in Nottingham ( 200 miles from where i live ) first i received one claim stating i owe £400 - this was the first one and i actually went to court with expecting somebody to see sense and throw it in the bin gladstone rocked up with 3 solicitors and had carefully analysed every single defence point i had I'm not joking they must have spent more time on this than the OJ simpson trail myself and the magistrate had lost all interest by the end and the court awarded them the full amount minus a little bit of interest they were trying to claim i ended up paying these ba*stards £374 in full they were not prepared to negotiate a payment plan of any type then a few months later i receive one stating i owe another £350 - by this point i had enough and just threw it in the bin ( i know stupid ) the judgement defaulted and they yet again get the result they so desperately wanted along with a CCJ which has now been handed to DCBL aka don't pay we will take it away i also have another case with them waiting to go to court for another £400 - but i have been clever in dragging this one out for along as i possible can by switching addresses and saying i am out of the country for 5 months but i have no doubt that gladstone will be after this one like a dog after a bone too anyway its the defaulted one they have a cci for i am most concerned about at the moment because i live with my parents and where as if i was on my own i simply wouldnt even acknowledge they're existence and would potentially consider an acceptable level of force to remove them from my property ( yes i feel that strongly about it ) my mother is old and would get frightened easily if 2 burly debt collection attack dogs and a camera crew turned up at the door one day i am aware there is no where else to really turn now I have accepted i will have to pay the criminals £350 and be thankful for it however like most ordinary people who don't con others on a daily basis i don't actually have a spare £350 just laying around to pay them i am insolvent and live on very little i am going to ring DCBL tomorrow to see if i can pay £50 a month I'm already anticipating they will politely decline this and i notice there is no way to contact them via email ( meaning no paper trail of attempted negotiations for court ) so assuming this will probably end up in high court a few questions 1) could a £350 debt even incur a high court writ and if not does it just go back to county court what sanctions do they take 2) i am aware you can ask the court to set aside the judgement or set up a payment plan however they want £50 minimum to do either of these extremely difficult tasks and seeing as the debt is £350 I'm not sure its really worth it to add another 50 on 3) is it worth speaking to citizens advice or will they just give me barrel answers 4) the outstanding judgement thats waiting to go to court could anyone help me on here with a defence ? because obviously my last one didnt work very well sorry i know the post is long but this is literally so frustrating if i had actually incurred a debt with someone for a service or goods they had provided i would of paid up straight away however these "debts" have seemingly appeared out of thin air i still after all thisl fail to see the damage I've actually caused to warrant nearly £1000 pounds worth of parking charges all i did was park at my gym thanks to anyone that takes the time to respond

Hi I am in a bit of a mess and would like some help if possible. I have a very old loan of around £7000 which a ccj was gotten on some time ago. Due to other issues I had forgotten about it until recently. Unfortunately the solicitors are now looking to take enforcement action. I know I need to pay this off, but money has been tight. I realise I need to start paying something however I currently have mortgage arrears, water arrears and other current bills to pay. Additionally I have been signed off work for weeks now with stress. I could afford £10 a month for now, do you think this would work until I can get my health and other bills sorted. I don't want to ring them to discuss it so would be looking to write to them. any help appreciated with the amount or what to write.

I set up DD with DVLA 2015. DVLA confirmed DD was set up and supplied a letter saying so. Thinking my car was taxed, and having comfort DVLA would take payments as needed, DVLA has not requested/taken payment. Car was not, therefore, taxed. I discovered this with a lovely man put a wheel clamp on my car, with £260 release fee (£160 later refunded once taxed) but then 2 weeks later, letter from DVLA with fine of £216. Replied to DVLA fine letter saying it's their fault. The DD letter from DVLA in 2015 says exactly 'you do not have to do anything'. I am fuming.

Hi all, Long story, which I will try to keep short for you! I purchased a Humax Freeview recorder for £199 in Jan 2016 on my debit card. Over time it developed lots of faults, such as random crashes, missed programs, freezing and even not turning on. After researching the product online, I decided to take it for a refund - Lots of similar stories from other users. This was within a year of purchasing it. The girl on the till wouldn't refund to my debit card as the card I used to purchase it had been reported lost/stolen. I was made to take a refund onto a gift card, which I reluctantly accepted, thinking I'd buy another freeview box from them anyway. After reviewing the options, I decided on a £400 TV instead. Bought the TV and the picture quality was awful, with vertical banding (dark black lines) particularly on one side of the screen and generally poor quality image quality when compared to the 10 year old TV it was replacing! I took this TV back and swapped for another of the same - this one also produced a poor quality image, I got in touch with Argos via their live chat feature on their website today. The girl I was chatting to called the store that I got the TV from (FastTrack) originally and she came back saying they would refund £200 cash and £200 to my new debit card as long as I could provide the long card number and expiry date. I printed the chat transcript, called my bank to get these details and took the card number, the transcript and all my receipts into the store for my refund. They denied ever saying this to the girl at the customer service centre and said that they cannot refund to my card without the card, which I explained was impossible as it was reported lost/stolen! They wouldn't do it with a printed bank statement showing the original transaction either. They also said the store has final say on the matter and gave me an 0345 number for head office, which I called tonight only to be told I have to email head office as they were "only customer service, so we don't have the authority to override the store's decision". No phone number for head office apparently?! Has this happened to anyone here and where do I stand? I don't want to keep buying "blind" at Argos and would prefer to take my money elsewhere - somewhere I can actually see the TV in action before purchasing. Thanks very much in advance for any advice you're able to give before I write to Argos Head Office tomorrow Looking at their returns and refunds policy suggests the following can be used as a proof of purchase. All of which I can produce. WHAT COUNTS AS PROOF OF PURCHASE? Any of these: Till/kiosk receipt confirmation email e-receipt your order number If you can’t find one of the above, don’t worry. We should be able to sort everything out if you have: your card/bank statement the email address used to buy your item Hmm. Surely, as I can provide all the above (bar the stolen/lost payment card) proves I am the person who purchased the Freeview box to start with, so why are they not prepared to refund me?