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  1. 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
  2. I forgot to notify them of change of address and stopped deferring so they're now chasing for the full amount of my 1998 loans. I've been a stay at home mum since 2013 so no income at all. They've passed it on to Link Financial which I'm assuming is their debt collection agency. They've said my last deferment ended 2014. Which might be right as I moved that year. They've also said I've breech the terms ie cannot defer anymore and loan won't end at 50 I can't declare bankruptcy or do an IVA. Unless I win the lottery there's no way I can pay this and don't want a
  3. I bouight a car from a private add in autotrader . I carried out an RAC hpi check and there were no issues. now a finance company (credit plus) claim its theirs and are taking me to court.
  4. Hi I've been getting a number of letters from different debt companies and i stupidly ignored and even stopped opening them. I now have a letter from Northampton county court ordering a payment of over £8,000 for a certain credit card bill. I however suspect that this debt might be over 6 years as i remember getting into financial difficulties and defaulting when i was on maternity leave six years ago. I have read a few threads on here that mention doing a set aside and am guessing this is the route i need take, but am not sure who to contact regarding how old
  5. Hi. I've attempted to find the answers on here but my head is swimming... I've received notice that i'm in default and erudio want full payment. I thought i was in deferment although now realised that this had lapsed in September. I haven't received any letters prior to this one. I've logged into my online account and not sure where to go from here. I thought id be paying the monthly amount after my deferment lapsed. This i realise hasn't been taken. My loans are from 1996 and 1999. I can afford to pay the monthly fee but not the whole amount which is what
  6. Hi hope you can help I have just received a response to a sb letter I sent to PRA Group in Nov 2018. Should I be getting the following correspondence from them? They have replied with a letter dated 10 days after my sb letter to them as follows: My current address Dear xxxxx Reference : xxxx I write with regards to your recent correspondence regarding the above referenced account. Unfortunately we are unable to fulfil your request as we have not yet completed the required security checks in order to verify your identity The information we require i
  7. Hello BWlegal has sent a letter dated 14th August 2017 requesting a final payment from me. I see that the debt they refer to is a closed account on my credit file and the last record on the credit file was from T/A Payday Express, (and recorded by them) showing as 'satisfied ' default assigned in January 2017. I have not paid any monies toward the debt which had a default registered from 2013 until January 2017. There have been no default notices recorded after January 2017. I have letters from Payday Express and Prac dated April 2017 saying the debt was assigned in
  8. hello everyone i am currently receiving job seekers allowance and have a quick question about advisers requesting to access my data. today i was asked to bring in my passwords and login for indeed.com and the site 'find a job' to my next (i'm assuming to prove i am applying for the jobs i tell them and also have a sticky beak at my job search history). do they have the right to ask this of me? i know i have to provide proof of applications by way of printouts (which is what i intend to do but i'm not sure they have the right to access these sites with me at the
  9. I have a potential legal issue with a builder - Is this the correct area to post? To be brief: a (project manager) builder quoted for a job 1y ago, the job was never done but he is now claiming I should pay him for his time to measure rooms and draw plans. I have so far refused on the basis that the measuring and plans he did do were awful and I could not use them. Without correct plans no other parts of his quote could be carried out.... He has now threatened me with legal action - which I wish to prevent - somehow.. which is why I am posting here...
  10. hi Long story - bought car 13/08/2018 2 weeks later lots of warning lights - car into AC who sent to Audi who advised needs ABS computer and part on back order - roughly 2k to 3.5k to fix AC have rung to say they're deciding whether they will just give me my money back. so my questions are? do they have a right to do that? I want that car, it took me ages to find it I'm in a hire car at the moment - I'm guessing will be better for them to put me in one of their vehicles so at least hire charges arent being added to their current bill Where do I stand legally - my rights. I've p
  11. Hi all. Please could anybody give advice. I am having financial problems and decided to cancel my BT phone, internet and tv and switch to Talk Talk to save £25 a month. My BT account contract is up start of October so I set up my new account to start in September. BT want paying for the part month which is fair but also want to charge me £65 for Broadband equipment and £24 for TV equipment which seems unfair. Is this right? I'm doing my best to reduce my spending and that feels like a kick in the teeth. Thanks in advance
  12. Any advice on this issue. Apparently I have been receiving a pension pay out from my previous employers pension scheme since 2005 when I was 60 and they have now written to me saying that I have been overpaid by £28,050.93 however they will only be recovering the last 6 years total of £9,068.24. They have proved it was their error but I was completely ignorant of this until it came to light on investigation 3 months ago. Is there any redress I can have in this case as with the loss of the income of £130 per month then to come to a repayment plan would leave me with little to l
  13. 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 s
  14. This is a summary & later details are from other things I have read here. All correspondence with Lidl has been by email, excluding the first which was via their website, but I kept a copy. My house was badly flooded when we were on holiday, a major burst that probably ran for over three weeks. Relatives helping me used my car to take things to the dump, then drove into a Lidl I had suggested nearby to buy baking powder for cleaning & tea. (They also bought cakes, as the receipt was in the bag, but I don't know where it is now). The car is a coupe & is quite low (as
  15. That's right, our lovely DWP and JCP who want you to get back in to employment but when it comes to the crunch are unwilling to help you when you need a little bit of help and this set you up to FAIL! As you know I am on UC, I lost £95.00pm when moved from ESA and HB so am struggling. I have been applying for work but getting nowhere my work coach (work coach LOL) says to me "try registering with agencies and seeing if they can help" ... OK, I email a few agencies and I geta reply from Hays and speak with them on the phone about my work history and background etc. They te
  16. i attended a compliance interview 22 february they said hmrc informatiom about 2 interest payments leads them to believe that i could have had over 10000 in 3 accounts that they say where active at the same time when i banked with lloyds i have never had more than one current account and one savings account active at any time i banked with then from 2004 to 2015.They have said i have to provide bank statements from 2010 to present of every bank account i have held and if i dont i will lose my pension savings credit. I do transfer accounts to get the perks the banks offer for swi
  17. Hi all, I have a long winded situation. I have council tax debt that has gone up to £5,000. This has been going on from more than 8 years from a different house I lived at before moving in to my own house. The council has passed all dealing and account to solicitors who I have had a few email communication with confirming I will be making a £100 monthly payment towards the debt as well as paying £1200 of council tax on my current property yearly. The house is worth £285k today. Three different Charging Orders have been applied to the house for council tax debt as I hav
  18. Hello All, I used moneybarn to purchase a car for 7k, over 39 months equaling 10.5k all together. I am paying £280 a month, I currently have one month arrears from about 3 months ago that im paying back in a payment plan of an additional £50 per month. Around £200 left in that arrears, my payment is due again tomorrow however and I am struggling to afford it. I am not 1/3 through my agreement, however I am wanting to VT my car and only be liable for the 50% which will be roughly 5.3k and ive paid around 2.3k minus arrears, so il be about negative 3000. If I s
  19. Hello I was put at risk of redundancy , the letter said they would consider volunteers but no guarantee, was intending to leave later in the year i volunteered . had a one to one with the director and said i was interested , have worked there for over 10 years so the payout was considerable and would help with my new venture . The request was refused. There are 2 positions and 4 people , have un offically been told one of the roles is mine even though i said dont want it, was un offically told they want me to take the job as if i dont they will be forced to g
  20. With warmer weather coming along, I thought I'd remind people of a method that works well and doesn't cost much. If you have a fan that can be used on a table or on the floor, you just need a plastic water bottle, maybe more than one, of about 1 litre capacity. Freeze the bottle of water and when you need to cool down, put one in front of the fan so the air blows towards you and is cooled by the frozen bottle. Make sure you put the bottle in something that will catch the condensation or you'll end up with a pool of water underneath. It works and it's cheap. HB
  21. Hi, I paid off my QQ loan(finally)not that long ago. However, I had been stuck with it for about five years (taken out in Nov 2010)- Rolling it over every month as I couldn't pay all of the balance and the interest - I'm sure you know the story. it amounts to in excess of 50 loans (it rolled over every month for years). I was overdrawn at the time and struggling to pay other things so desperation set in and I took out the initial loan. I don't think they should have kept lending, clearly I was pulling up as new loan to pay off the old and in the end I
  22. My house was flooded last week as the ball cock broke off in the tank in the loft. Loss adjustors have been appointed and drying company and electricians have been out and set up a separate power supply to start the drying process. I am in a hotel staying that the insurers have arranged. Loss adjustor came on friday and had a good look around took photos and asked me some questions. One of the questions was did I have any criminal convictions or CCJ'S. I said not to convictions and that I had a CCJ about 9 years. I think it was paid but really cant remember as I was in
  23. 4 weeks ago I had a escape of water from a tank in my loft. I have water damage to every room which will entail complete redecoration, new carpets, new electrics and a new kitchen. I live in an old council house and they tested the lounge and hall floors for asbestos in the bitumen that covers those floors ( under the carpets) but up to the edge of the kitchen units there was a tiled floor ( that we installed some years ago ). They did not test this but once the kitchen units were removed it exposed more of the bare bitumen floor. I asked for it to be tested but it was not deemed necessary.
  24. Hi please can someone help me. I was awarded a suspended eviction order on 9th November 2009. Whereby the judge ordered if I had to go again I had to go before him and He would basically chuck us out (due to me being there previously) That was dated until November 2010 - Will this be relevent now. Mortgage is with Santander. I have fell behind a few times since just before xmas, but ALWAYS made it up. I am up to date with my payments. And dont owe anything til end of September. My arrears currently stand at £856.71 I have been away on holiday, and come back to
  25. Many are concerned with how British society is changing. Whether our area of concern is governments program of austerity, cuts to disability benefits, the renewal of trident, tax avoidance/evasion, brexit, the annihilation of the NHS as we knew it, with allegations of government plans to privatise our NHS, media bias, climate change, or any other concern, attack, insult, demean, demonise and discredit "the enemy" (those who do not agree with every word we say) seems to be the order of the day. We call ourselves a democratic nation, but a single episode of PM's questions would bring that a
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