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  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. Hi, I'm on a DMP with StepChange since 2014 and of the 8 accounts 7 have added a default within the 6 months period, apart from Creation. They have sold this to Lowells and I have written to them to ask for a backdated default to be added. they have refused and said they will update the credit reference agencies with details of any payments made. I'm worried that as all the others will drop off in early 2020 this will continue to be an ongoing nightmare. I'm not sure what to next :/
  3. Dear All, I filled out the online form for Barclaycard to reclaim my PPI, which I never realised that I had. I get a reply this week enclosing a copy of a letter dated November 2014 that apparently they sent me when I applied for return of PPI the last time??? I have zero memory of doing this and I am not convinced they are telling me the truth. In any case they are telling me that nothing was miss sold and I am not getting any money back. It seems like a generic letter and they have used internal and external evidence to reach this decision. They have also included the "
  4. Hi, I bought a Mercedes GLA 2014 reg from car giant for 18k, a few days the car's engine light has come on and the car's drive does not seem to be very smooth. It seems to go straight from D1 to D4 etc. I am very upset as I feel the car has been missold and should have been checked as it is a substantial value. I would really appreciate any help regards to my rights. I would like a full refund as I have no confidence in the car as well as Car Giant. I was only allowed to test drive it a short drive around the industrial estate which would never have flagged t
  5. Hi I have late loan monthly payments recorded on my credit report from Nov 2014 up to now . I haven't paid but want to clear the loan now that I can afford to. Myjar charges a late monthly payment fee if you are 3 days overdue on your monthly payment. I have had no record of them asking for late payment charges from me. Can I ask them to accept the loan repayment in full without any charges and is it likely that they will register a default anyway? Look forward to your response
  6. The following is from the BBC News today: http://www.dailymail.co.uk/news/article-4057088/Car-clampings-double-tax-discs-axed.html
  7. I've recently decided to try and get my credit history back on track. I've requested my stat credit reports and notice that there is a CCJ on there from an old o2 account, which was obviously passed to Lowell and they have a default judgement against me. I didn't know anything about this and I wasn't even aware the mobile phone contract with o2 was a 'credit agreement'. I stopped being able to pay around March 2013, after my redundancy in 2012, when I just couldn't keep up the repayments. I let o2 know about this and offered to pay them a nominal amount but didn't hear
  8. Centrica-owned British Gas has to pay 9.5 million pounds ($11.9 million) in compensation to customers who faced billing problems after the household energy supplier upgraded its system in 2014, UK energy market regulator Ofgem said on Tuesday. Ofgem said British Gas, Britain's biggest energy supplier, had shown failings in its registrations, complaints handling and billing processes for business customers and over 6,000 new customers had experienced delays registering with the supplier. https://uk.news.yahoo.com/british-gas-pay-9-5-million-pound-customer-11075233
  9. 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
  10. I have discovered that ALL new televisions sold by Tesco in April 2014 were on a special promotion for the world cup. As such they were all sold with a free 5 year warranty with square trade. So, if you have a TV from Tesco that has packed up, check your purchase date carefully. It does not matter if you have the receipt still if you paid by card they can confirm the purchase date as long as you can say which store and the date purchased. I hope this helps at least one person out!
  11. Evening everyone, Looking for peace of mind and advice on whether to send a short, firm letter back or continue ignoring. I received a ticket in February 2014. I had purchased a 24 hour ticket from 15:24 - 15:24 for £1.50 but received a ticket at 08:21 the following morning (Still have original ticket). As I have done successfully in the past I continued to ignore the letters. Received around 6 letters over the course of the next 12-18 months but then they stopped. Around a month ago I received my first letter from 'BW Legal'. They have now sent a final noti
  12. It is easier to read it here:- http://www.legislation.gov.uk/uksi/2014/874/made “SCHEDULE 1Fees to be taken Column 1 Number and description of fee Column 2 Amount of fee (a) The CPR is defined in the Civil Proceedings Fees Order 2008 S.I. 2008/1053 as meaning the Civil Procedure Rules 1998. (b) 1974 c.47 as amended by section 177 and Part 1 of Schedule 16 of the Legal Services Act 2007 (c. 29). © 1985 c. 6. (d) 2006 c. 46. (e) 1986 c. 45. (f) Schedule B1 to the Insolvency Act 1986 was inserted by the Enterprise Act 2002 (c.
  13. Here are the current court fees which take effect from today 22nd April 2014. http://hmctsformfinder.justice.gov.uk/courtfinder/forms/ex050-eng.pdf http://www.consumeractiongroup.co.uk/forum/showthread.php?421493-Court-fees-increase-from-22nd-April-2014 http://www.legislation.gov.uk/ukdsi/2015/9780111127490
  14. http://www.csa-uk.com/assets/documents/compliance-and-guidance/code_of_practice.pdf
  15. The Taking Control of Goods Regulations 2013 was introduced on 6th April 2014 and to coincide with this regulation, the Ministry of Justice updated the previous National Standards. It must be stressed here that although the National Standards arenot legally binding, the government’s intention is that they are intended to be used by all enforcement agents, the enforcement companies that employ them, and the creditor (in most cases the local authority or HMCTS) who use their services. A link to the Taking Control of Goods: National Standards 2014 can be read here and listed below are
  16. Don't know how these were missed. http://www.fca.org.uk/news/tougher-rules-for-payday-lenders-take-effect
  17. [ATTACH=CONFIG]59556[/ATTACH] April 2014 This guide is for you if you’re relying on an endowment policy to repay your mortgage and you’ve received a shortfall letter.
  18. Hello, first post here and apologies if you've seen my post on other forums, but I am in need of help to claim my Permanent residence certificate as a EEA citizen in UK. Hello, the original formulation of article 6(2-3-4) of the The Immigration (European Economic Area) Regulations 2006 were as follows: The amendment introduced 3.12.2013 have modified the interpretation of retained worker status and jobseeker: and: For the purpose of counting periods of unemployment as exercising treaty rights matured before 2014 (and only for that period), will the new regulations ap
  19. I received the following via a National Debtline twitter feed link http://www.stoptheknock.org/ Click on the map for your area and it will give you the stats for that particular Local Authority. Out of interest I clicked on Peterborough to see what information would be given. Very interesting. And Oxford
  20. An old debt has been chased and chased by numerous DC's after the original creditor. A year ago I received a claimform [did say SD-edit by dx] I submitted defence. Heard nothing since. Had a letter now saying they are going to consider applying for summary judgement? I would be so grateful for any help and advice this group can give me. update see post 13^^ wrong info. here
  21. Hi all, I was freelancing last year, opened up my ltd company very early January 2014, and the first accounts will be due in September, along with the tax money. However, for personal reasons I'd like to hold onto that money a month longer. Can the payment be legally delayed for any reasons? Thanks, JB
  22. Don't know if we are allowed to mention names here, but here goes anyway. Interested to know if a letting agent can legally switch energy suppliers on a house up for rent without notifying or seeking authorisation from the Landlord/owner? Discovered that Countrywide 'sold' the contract to E.on, (who incidentally have a whole department dedicated to that company). Countrywide get a fee (although E.on would not say how much this was) and E.on get a new customer (we know how apathetic most people are on changing their suppliers) on any tariff they choose to set. E.on said they too
  23. The new bailiff regulations came into effect on 6th April and bailiff fees are strictly controlled and comprise of a Compliance Fee of £75 which is charged when the debt is passed by the creditor. If payment is not made or a payment agreement entered into during the ‘compliance stage’ a bailiff may attend the debtors premises and an Enforcement Fee of £235 is chargeable. Significantly, the new regulations provide that from any payment made (whether to the bailiff, the magistrate court or the local authority) the Compliance Fee of £75 is deducted first with the balance being split on a ‘p
  24. Hi Rented home evictions hit record levels in 2014 according to this Guardian article - amongst other issue its worth noting the sections regarding 'social landlords' http://www.theguardian.com/money/2015/feb/12/evictions-rented-homes-record-levels-2014 My opinions as per usual W
  25. More than a quarter of all Npower domestic customers complained to the company last year, according to figures from the energy regulator Ofgem. The company received 1.48 million complaints in 2014, amounting to 28,000 for every 100,000 accounts - 28%. That was the highest proportion of any of the "big six" energy suppliers in the UK. An Npower spokesman said: "We have been working hard to improve our overall customer service." Even so, the complaint rate was up from 2013 when it stood at 25,100 per 100,000 customers. British Gas, the UK's larg
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