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  1. We are being chased for a council tax bill from 2010. The council says they had commenced action within a couple of years of the bill becoming due but the bailiffs were unable to collect. To date the council have provided no information as to the court order or why they were unable to collect. I believe this is now a statute barred debt but I have already received two letters through the door by bailiffs chasing this debt. How should I proceed? Jb2019
  2. Dear all I wonder if you can help? Last week I received a letter from our friends at MMF chasing a quick quid loan and threatening a CCJ. This made me take my head out of the sand and decide to do something – but I fear I might be too late I had 15 loans from QQ from December 2010 to the last one in (which was an extension of an existing loan taken out in Dec 2011) in March 2012, which I didn’t pay to break the cycle. I have paid over £3k in interest. I took a loan out every month which was an increase or an extension. At the time they lent to me, whilst I wa
  3. Hi All, I have been a regular reader of the forums in recent years and have now decided to sign up as I am in the early stages of what I feel is going to be a long, drawn-out process with Nissan regarding my Qashqai. I purchased a 2010 Nissan Qashqai 1.5dci Acenta from CarGiant in June 2013 with 32K Miles on the clock. The car came with 2 Nissan Main Dealer service stamps in the book, plus an additional service/check from CG. I have had the car serviced at the recommended intervals set out by Nissan albeit by my local garage (with receipts/history provided). The car has given m
  4. Hello, l am wondering if anyone could possibly give me any advice, my partner and l have arrears with our mortgage company, this was caused by my partner having his work hour's cut, (actually he was one of the lucky few who wasn't laid off), the arrears total £1800, we have spoken to Capstone who were supposed to ring us back to make an arrangement to pay our monthly amount plus some off arrears, their phoning us was to work out how much we can pay back comfortably, they never rang but we have had a letter stating that the arrears must be paid or they will go
  5. CAG Newsletter - October 2010 01 -October 2010 Newsletter.pdf CAG Newsletter - November 2010 02 - November 2010 Newsletter.pdf CAG Newsletter - December 2010 03 - December 2010 Newsletter.pdf
  6. Hi CAG, There is a known hardware fault amongst Apple and the Apple community in relation to my Apple MacBook Pro model (Mid 2010) whereby a hardware panic during the dynamic graphics card switching causes the MacBook to crash. I got in touch with Apple Support who advised that my MacBook is now considered as "Vintage" and so replacement parts are no longer manufactured, nor am I able to send it to Apple for repair. This fault has been reported to Apple many times from other owners, but I have never received contact from Apple to recall my laptop or advise me that there is a ce
  7. HI...Brand new to this forum but hoping for guidance. In 2010 I started to get correspondence from VCS stating I had parked outside the bays at Valley C entertainment Leisure Fund. I had no clue what this was about and wrote to them to explain my number plates had been previously stolen and that I suspected this was who had broken their parking rules . I even gave them the crime reference number. I still got letters and calls from them and some legal team I think but eventually they stopped. I presumed the message had finally got through. Today I get a lett from BW
  8. Hi, My friend recently found that his employer from 2009/2010 hadn't registered him with HMRC PAYE but they have deducted the paye and NI from his salary and gave him payslips. Also the company was dissolved somewhere in 2012/2013 and noway he could contact them. He only found out when he inquired hmrc about his employment history for the past 6 years which he needed for his visa application. How can he update hmrc records with this employment when the employer can not be found? What is the best resolution for him? Thanks.
  9. Hi, My 2010 Renault Megane decided to stop on the way to work this morning. Recovery vehicle took it to a garage and diagnosed a cam-belt failure / rebuild costing minimum £1500. Having looked around on various motoring sites some people suggest this will have damaged the engine and require potentially, a whole new one at £4000+ I have full Renault service history and got them to do a 40 point check before the warranty expired in March of this year. I was told everything was fine. So my question is... Where do I stand legally on this as I know Renault will say 'Sorry, out
  10. Meriva purchased three years ago, good little car. Started developing an intermittent immobiliser fault three months ago. Failed to start at home RAC called. RAC could not diagnose problem as car would not "communicate" with their diagnostic system, apparently common fault with Vauxhall. Had it looked at by our usual mechanic, again could not be diagnosed. Car started intermittently. Contacted Vauxhall garage had to wait until the immobiliser came on but also had to book an appointment to co-inside with it breaking down! Eventually car again refused to start at home, contacted RAC take
  11. I would be so grateful if I could get some advice please as to how to proceed. I have been through the forums and managed to totally confuse myself now and am panicking over what we should do. A CCJ claim form arrived for my Husband in regard to a Lloyds CC debt dating back to 2010. The original debt was for £1250.19 and has now increased to £1619.82. He knows he owes them money. They might owe him money to in regard to the charges piled onto this cc account including a monthly cc insurance protection fee. The question is how to proceed and after reading through some of the threa
  12. Dear All, Following with reference to Regulations 2003,2005 and 2006 I believe I have a case to pursue to obtain my ILR which I was denied in June 2010 due to poor Representations and also I had no clue of any immigration laws and Regulations at that time only relied of my rep. The real issue is we were given Leave to Remain in 12 March 2015 base on Article 8 through my 14 years old daughter ( 7 years Rule Concession) who came to join me with her mother in September 2003 after a long legal battle Represented by a reputable firm. We won the case (Leave to Remain) at the First Tier T
  13. I invited a local estate agent to view my property for evaluation in early May 2010. I also invited another agent for the same purpose a week later. I invited agent (a) to revisit my home to take the listing. They backdated their signature on the Sales Agreement by nine days, without my knowledge or authorisation. My signature reflected the correct date of the Sales Agreement. The agent did not advise me that by placing my initials in a box contained within the Terms and Conditions of the HIP Pack, I was waiving my rights to the seven day "cooling off" period. They said that they had
  14. This is going to sound odd... I had a court decree granted against me: 22/01/2010 for almost £3000. It was in relation to a motorcycle that I purchased on Hire Purchase in March 2007 on a 4 year payment arrangement. I believe the last payment I made to the finance company was around August 2008 (I was made paid off - Contractor). I would have paid just over £2000 on a £3000 bike which had interest on top meaning I was due to pay around £5000 odds... Obviously the court claim in 2010 was for the remaining balance of the credit arrangement including interest! So, woul
  15. Unbeknown to me I've had £1690 sitting in another council tax account from 2010. I knew I'd kept up my payments and knew I'd done no wrong but had no proof. The council are going to transfer my money into my new account BUT I would like advice as they caused me undue stress in 2013. I hear constantly about the council taking people to court for unpaid tax yet not once until yesterday did they inform me that this was there. I was put through hell back in 2013 when Rossendale bailiffs were on my doorstep. I've paid bailiff fees and court costs unnecessarily. Can I take the council to court
  16. Hi there, first post so I hope it makes sense... Can anyone give me a brief understanding of section 15 of the Equality Act 2010 please (in layman's terms) as I'm trying to help my sister with a work problem and I think it might be relevant. She is a member of a union but they haven't been much help! It's relating to an actionable attendance policy at her work. She is disabled under the definition of the act and is employed by a large public sector organisation. She is rarely off work except with disability-related sickness (this has happened 6 times in the 24 years she has work
  17. Hello and good evening. We booked a family holiday to Fuerteventura, back in 2010, details as follows:- Outbound LGW - Fuertenventura TC Flight No. TCX225K on 12th June 2010 Inbound - Fue - LGW TC Flight No. TCX037L on 23rd June 2010. We were traveling as 3 adults and 1 infant in the booking. Over and above the basic holiday price we also opted for in flight meals (3 x £10 each) and the option to pre-book your seats on both flights (3 x £14 each). Outbound flight and holiday went fine, the return journey however was stressful, chaotic and dis-organised, resulting in an
  18. Hi folks its my first post here so please be gentle with me - barclaycard sold my default to MKDP LLP and this company is mention on my CRA file as being the company who issues the default. I have recently sent a recorded delivery letter to barclaycard asking for a true copy of the original 1995 Credit agreement. My question is if they send me back a letter stating this is a reconstituted copy of the original agreement ( what must this reconstituted agreement contain ??) and, should I also send MKDP a letter also asking for a true copy of the original agreement.
  19. My son has received a demand for payment of £100 from Debt Recovery Plus concerning a parking charge notice issued in 2010 by Excel Parking Services Ltd. Following CAG advice, he ignored the original invoices and letters as he was not the driver of the vehicle at the time of the alleged incident, and up to today he heard nothing more. The letter from DRP quotes the Protection of Freedoms act 2012. I have looked at what I think is the relevant act (legislation.gov.uk/ukpga/2012/9/schedule/4/enacted) but it is too complicated for me to gain an informed opinion as I lack legal skills.
  20. How likely I am to get disability element on top of my working tax credits, based on the tax office guide lines, I think I would be entitled to the disability element, but dont know what the tax office would think I work 16+ hours per week Due to my health, I am unable to work, 5 days per week, or any long shifts now, so I only work 4 days ,and 6.5 hrs I have a secure job, in asda, so for me to find a new job, I think I would have some difficulty in doing so My health is poor, due to slow heart rate, high cholestral, and angina, easily get tired, and exhuasted. Have bee
  21. In February this year I purchased a Used Citroen C4 1,6 Diesel Exclusive from Lookers Liverpool as the car had very low mileage (8,000 Miles) and came with all the extras. I drove the car back home to Surrey and loved the way the car drove and the comfortable ride etc. A couple of days after using the car I had occasion to switch on the Heated Rear Screen only to discover that several elements on the screen were not working. As the car still had over a year of manufacturers warranty I booked the car in with Citroen London West as they were the closest dealer to my employment. At the same time
  22. I wonder if anyone has any idea about this. I have reason to complain big time to Unison for treating me unfairly as I have a disability. However, reading through the notes that the CAB advisors have been given on this new law, it states that it does not apply to trade unions. Have I got this right? And if so, who, if anyone, regulates Trade Unions?!
  23. EDF Energy (December 2010) Investigation into compliance with the Gas and Electricity (Consumer Complaints Handling Standards) Regulations 2008 (the “CHSR”) Ofgem is still investigating whether EDF Energy has breached these regulations. The investigation has now been extended to consider whether EDF Energy’s customer contact centre is complying with the requirements of the CHSR and other related obligations. Regulation 7 of the CHSR requires that suppliers (a) receive, handle and process consumer complaints in an efficient and timely manner and (b) allocate and maintain such level of
  24. Scottish and Southern Energy (September 2010) Investigation into compliance with obligations under the gas and electricity supply licences (Standard Licence Condition 25) Ofgem is investigating whether Scottish and Southern Energy is complying with obligations under standard licence condition 25 with respect to telephone and face-to-face sales activities. By way of background, following the Energy Supply Probe – link opens in a new browser window, Ofgem put in place a new version of standard licence condition 25 with a view to helping domestic customers make well-informed decisions i
  25. Scottish Power (September 2010) Investigation into compliance with obligations under the gas and electricity supply licences (Standard Licence Condition 25) Ofgem is investigating whether Scottish Power is complying with obligations under standard licence condition 25 with respect to telephone and face-to-face sales activities. By way of background, following the Energy Supply Probe – link opens in a new browser window, Ofgem put in place a new version of standard licence condition 25 with a view to helping domestic customers make well-informed decisions in response to telephone and
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