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  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-6848
  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 communicati
  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. A
  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.
  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 w
  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
  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. Thi
  15. In 2017 the United Kingdom will introduce a brand new £1 coin – and The Royal Mint invites the nation to create the design it will carry. A fantastic opportunity for members of the public, professional artists and designers alike. Designing a United Kingdom coin is something that most people would never have thought possible. This is a chance to put your art onto the reverse (the ‘tails’ side) of what will be the United Kingdom’s newest coin, one of the most eagerly awaited coins in circulation. The winner will receive a £10,000 design fee. More importantly, they will have
  16. http://www.bbc.co.uk/news/uk-politics-27132077
  17. Businessman blames mobile operator for failure of property empire A Greek businessman who lost a fortune during the country’s economic collapse is claiming £1.1bn in damages from Vodafone, after the telecoms giant pulled out of a retail franchise deal with him. Athanasios Papistas, whose partnerships also included a property management company with a scandal-hit group of entrepreneurial Orthodox monks, accuses the British mobile group of sabotaging his business empire. Mr Papistas has issued three writs seeking damages. The most recent and largest, for £900m, was served on Vittorio
  18. Struggling bank the Co-op will shut 50 bank branches to help cover a £1.5 billion capital black hole. Reports suggest 10 per cent of its overall workforce, could be axed with job cuts likely to come from its banking division as part of a radical overhaul of its whole business. The Co-op made no comment on the reports. In May, the bank had its credit rating downgraded to ‘junk’ status by credit ratings agency Moody’s and was forced to present a capital plan to the Bank of England after Moody’s suggested the bank may need funding help from other parts of the business. The Capital Action Pla
  19. http://www.bbc.co.uk/news/business-23791252
  20. 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 th
  21. " Eight men have been arrested after a gang stole more than £1m from a high street bank by taking control of one of its computer systems. The money was stolen from a Barclays branch in Swiss Cottage, London, earlier this year, using a device known as a "keyboard, video and mouse" (KVM) switch. The hardware, which can be purchased online for as little as £10 and is the size of a small laptop computer, allowed the gang to transmit the contents of the computer's desktop and take control of the machine remotely. It is believed the device was installed by a man who pretended to be an IT engin
  22. Thousands of customers passed on from building societies and banks to Axa Wealth were not warned of the risk of investing in Isa funds and investment bonds and are in line for full compensation from any losses. AXA Wealth, part of the global AXA Group, has been fined £1.8m by the Financial Conduct Authority (FCA) for failing to give suitable investment advice to customers passed on to it from banks and building societies. The regulator said 26,000 customers were wrongly advised in a range of investment products while Axa staff pocketed lucrative bonuses for making the sales. According to
  23. The Advertising Standards Authority has banned a payday lender for sending text messages that encouraged people to borrow £1,000 for a night out. The Advertising Standards Authority has banned a payday lender for sending text messages that encouraged people to borrow £1,000 for a night out. It also rapped Akklaim Telecoms, which sent the message for customer First Financial, trading as FirstPayDayLoanUK, for making the messages seem like they were from a friend. The ASA received 13 complaints about messages that stated: "Hi Mate I'm still out in town, just got £1,000 in my account from t
  24. 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
  25. 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 :-/
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