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Found 22 results

  1. Bristol Council are in the doghouse for sending bailiffs and increasing a £1 debt for a mistake to £311 when Marstons called. Technically marstons did no wrong, they applied the correct fees. https://thebristolcable.org/2018/04/i-owed-1-bailiffs-and-the-council-forced-me-to-pay-311/
  2. With an unconfirmed report about an incident last week that led to a bailiff being hospitalised with serious injuries, the public need to be aware that it is a criminal offence under Paragraph 68 of Schedule 12 of the Tribunal, Courts and Enforcement Act 2007, to obstruct a bailiff/enforcement agent (link below). https://www.legislation.gov.uk/ukpga/2007/15/schedule/12/paragraph/68?view=plain Only a few days ago another person was convicted at trial in Nottingham of this offence. http://www.nottinghampost.com/news/nottingham-news/bailiff-handed-100-compensation-after-684830
  3. Well it seems like Provident are having issues. Being investigated for irresponsible lending and losing a lot of money on shares. http://www.dailymail.co.uk/news/article-4814606/800-000-families-face-crisis-sub-prime-loan-firm-tanks.html
  4. Hi Guys Just a quickie. How much (Average) would it cost a firm to receive a £1 standing order payment from me on a monthly basis?
  5. I have just moved house and let Scottish Power know as we have been customers for 13 years paying a direct debit monthly and never defaulting. Yesterday I had a text from the bank and looking at my accounts they have taken £1,452 out without any prior communication. When I rang them they said it was arrears which I did not have any idea about. I can't understand why I have not been contacted about this as it was so much as I would have paid more each month. I went to the bank and they have refunded me but obviously I have to sort it out. Surely more communication should have been given, they e-mailed me when they needed meter readings. Can anyone please comment on this. Thanks for any input.
  6. I have mentioned before on the forum of the dangers that debtors face when they visit popular 'social media' sites and apply to join 'closed groups' that claim to offer advice to anyone who has received a letter or a visit from a bailiff. These sites profess to help debtors. Don't be fooled. In the case of this particular thread, the social media site page in question has one aim only and that is to ensure that payment is never made to a bailiff. That is their overriding aim. Debtors joining these 'closed groups' wrongly believe that what they post remains a secret. It does not. Almost all bailiff companies, debt collection agencies, mobile phone providers and banks etc are members of these groups and can recognise the debtor immediately from the documentation frequently exhibited. Yesterday was one of the most serious examples of appalling bad advice from inexperienced members of the public that ultimately led to the debtors vehicle (worth £4,000) being taken by a High Court Enforcement Agent. The poor and inaccurate advice also led to the debt increasing by well over a £1,000.
  7. Hi Received a statement from MKDP today for a statute Barred Debt. In June last year before the statue I sent a S77/78 request along with the £1.00 Postal Order clearly stating it was for the Fee incurred and not to be used for anything else. I didnt receive anything from my request. On their statement its gone down as payment received!!! The Debt was statute from Feb 2015 I thought this wasnt allowed??? Hadituptohere
  8. Hi, Need some advice. I sent Vanquis a DSAR request over 4 months ago. I enclosed a £10 cheque which was duly cashed however they failed to provide me with any of the reqested documents (CCA, Terms & Conditions, Default Notices, Deed of assignment etc) I received a 3 page letter consisting of a demand for a further £1 for CCA and a 2 page document consisting of an abreviated table of transactions (I believe this is supposed to constitute a statement) Can someone confirm to me whether the £10 paid for the sar superceeds the requirement for an additional £1 for the cca. My understanding was the £10 sar fee covers ALL docs & data. Thanks
  9. Hello and thank you in advance for any help you are able to offer. My complaint for mis-selling of a Principles Card in 1989 was upheld by Santander, but an offer of £1 has been made as they have no records prior to 23 July 1996. Does anyone have any advice about how I should proceed? Do I refer to FOS? I doubt I can obtain evidence from Nat West as I do recall payments were made by DD. I also recall I took out a loan in 1996 from M & S to repay this credit card, but I doubt that would be of any use. Advice needed - thank you.
  10. Halifax is imposing a fee of £1 a day from arranged overdrafts of £0.01 to £1,999 as from 1st Dec 2015. No interest rate is charged. So if one has an arranged overdraft of £100 and goes overdrawn by £0.10, a fee of £1 will be charged and by 100 days, this £0.10 becomes a unarranged overdraft for which a fee of £5.00 is faced. Is this imposing excessive charges or treating customers unfairly??
  11. In figures just released, it was found that NHS Trusts have run a deficit of £1 billion in just 3 months. The government have increased funding in the NHS, but not related to healthcare inflation or taking into account the increased numbers using the NHS. Hospitals are having to pay a fortune for agency Nurses, because they can't get enough. Within one NHS Trust in the London area, they have 1600 vacancies across different job roles. Yet the government have a policy from 2016 to remove from the UK foreign workers who have not reached £35k per year in 5 years of being here. This will include many non EU Nurses. Meanwhile government will fund HS2 at the cost of £40+ billion and Trident replacement at £100 billion. Surely time has come to prioritise spending on essential services and infrastructure. NHS, Housing, basic transport network, schools. I am not convinced of any long term plan and it is being made up as they go along. Has been the case with successive governments over a long period. The UK has a golden opportunity to use rising population through immigration and record low interest rates, to invest in the infrastructure the country needs. The IMF and leading economists have said that UK government should be investing for future prosperity. Instead the current government are relying on mostly foreign investment which will come at a price and profits will end up going abroad.
  12. I have a bill for circa £1.5K which is comprised of roaming charges whilst I was away in Italy. It is really odd, the bill includes for 9Gb between approximately of data downloaded between 12 and 2 in the morning. I am not even sure such speeds are feasible on a mobile data network. There is no way I downloaded this, I realise that it could have been an automatic update, but then I looked at the Mobile Data Usage on the Ipad the Current Period Roaming is 7.6Gb and that is everything from the 10 November 2013. The device is an Ipad. They have not taken the money yet, I know I can cancel the DD, but I do not want my credit rating shot to pieces by them and they hold all my business numbers so I do not want to be cut off. I have have used the Social Escalation Hub.
  13. http://www.mirror.co.uk/news/every-little-helps-supermarket-giant-5461757
  14. Hello, this is my first ever post!!!! I am looking to clarify some information i have heard please if anyone can help. I got into and am still in a big financial mess due to long term ill health and not being able to work. I had 13 credit cards and 4 bank accounts that all defaulted about 2 years ago. They are with all the main institutions... Halifax, RBS, MBNA , Barclaycard, HSBC etc. I have standing orders set up paying them all £1 per month, as advised by the debt charities i spoke to. All have frozen interest and charges, and have not sold on the debt due to my ill health. This is what i want clarity on please: 1. After 6 years, I understand all info relating to those cards disappears from my CRA files, but what happens to any debt still left unpaid? Does this just get written off? Clearly at the rate of £1 per month, in 6 years, only £72 will have been paid off of each card! 2. is it a good idea to continue paying £1 per month for all this time? Thanks you all in advance.
  15. http://www.bbc.co.uk/news/uk-politics-27132077
  16. http://www.bbc.co.uk/news/business-23791252
  17. I am in nearly £5,000 worth of debt with 8 different collection agencies. Some of them being Lowell, Marlin, Quikcbridge BCW, Capquest. I honestly don't know where to turn to for advice, so I am hoping someone on here could help?!?! I have set up payment plans with a few of the companies but many of them keep hounding me to up the payment and even though I have sent them forms and proof or incoming and outgoing they wont let up. I have heard about asking them for my contract, can I do this? If so how ? What is the best course of action to take with them ?
  18. Hi, I fired of a CCA request to Restons who were chasing me for a debt. I received a reply from Arrow (with my £1 postal order returned) with the following text: We thank you for your letter addressed to Restons Solicitors and passed for our attention as assignees of the debt. We acknowledge your request for documentation pursuant to the Consumer Credit Act 1974. We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining that which has been requested. We will now process your request for documentation from the originating creditor and will revert in due course. We confirm that all collection activity will be suspended pending provision of the documents. I have an earlier letter from Restons confirming the debt was assigned to Arrow in 2011 and I should have received a Notice of Assignment. To me, that means Arrow should be responsible for providing the CCA. Are they just trying to worm out of their responsibilities, or are they right? I figure I can't CCA HSBC as they no longer have control of the debt. Thanks, Kristian
  19. After just checking my credit file after a few years I've just noticed that Lloyds have done a few weird things. AFter getting my unfair charges paid back in 2007, they put a £1 (yes one pound) debt to my name and marked it as in default for the last few years? Can they do this? As far as I remember I dont seem to remember applying for a £1 loan or overdraft? Oddly enough, I havent had a bank account with them for over 6 years either :-/
  20. http://uk.finance.yahoo.com/news/two-million-drivers-may-face-141603133.html
  21. I have been a loyal customer of orange since the beginning in the early 1990’s and until the beginning of this had been happy with the service that Orange provide. However, I am now left both frustrated and angry at the way I am being treated. In February of this year I received a bill which included an additional £183.25 of additional data charges. This was somewhat of a surprise as I had been on a tariff that did not incur such charges. However, when contacting orange I was made aware that my tariff/plan had changed (without this being highlighted to me) and that due to this Orange would a) refund most of these charges and b) change my additional data charges to avoid this in future, alongside a SMS alert I would receive when exceeding my data allowance. Today I have received a bill for £1,133.42 (almost 10 times my average bill) and this details £843.60 of additional data charges! They tell me as they refunded excess charges of £183 in march that they cannot do it again and dispute that they told me that I would be covered by their SMS alter service as it apparently it does not exist! Ibelieve that Orange have a duty of care to customers to advise of such abnormal usage patterns (particularly as I am advise this is over several days) To add further insult, Orange have offered me a 3GB larger data bundle going forward as Orange say I am continuing to use unexplainablelarge amounts of data, yet this cannot be charged at the same rateretrospectively for the past 30 days. A charge of £30 compared with £843.60 isblatantly disingenuous. I have today cancelled my Direct Debit with Orange and have made a payment to cover all other costs associated with mylatest bill. At the end of my call at around 10AM this morning with Orange when I asked for the operators full name and extension she also insistedthat she provide her contact details by SMS, to date this SMS has not beenreceived! I Have today written to Olaf Swantee about this. Anybody have any similar stories? Note: In the latest billing period I have in no way used by handset for any additional ‘heavy browsing’ and I suspect a fault with the handset (as I can see data usage meter now rising when the phone is idle with no apps running, something Orange have disputed despite me having the handset in my possession to verify this). Good to see these Forums, great idea and thanks in advance folks!
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