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Found 16 results

  1. Hello, While I was at university, we were all given iPads on loan in our last year and I made the mistake of leaving mine in a classroom one day. I informed the university as soon as I realised and was pretty much told by at the time not to worry as they could likely locate it. Of course, it never turned up, or at least was not logged on their system to have done, and they started emailing me after my graduation (June 2016) asking me to return or pay for it. I informed them I didn’t have it to return and could not afford to pay them the sum of £500 for it. I ignored thei
  2. Hello I wonder if someone could offer me some advice. I received a letter from lowel Solicitors headed: Notice of Acting. They asking me to pay an old Orange debt. 1- Should I ignore the letter? I haven't speak to them so far and always ignore them. 2- If there was no payment at all which date SB will be calculated from? 3- If the contract made in Scotland, SB referred to Scotland or the place you are living now? Thanks in advance
  3. I had a letter come through the door a few weeks ago from Lucas Credit Services, stating that they were acting on behalf on Lowells. In the envelope was a letter from Lowells saying Lucas were sorting the debt for them, and i had 7 days to reply Before the 7 days was up i had Lucas emailing me "if you don't reply to us, we will continue to correspond to you via email". I had no more letters but 3 emails. Up until now, i've not heard anything about this debt since 2011. It seems as though they are trying to get a rise out of me. Do i correspond to them via e
  4. Hi 10 days ago, I get sent an e-mail from MMF saying my debt is being referred to Moriarty Law. Ummm, OK then. I replied saying, "I have no knowledge, please provide agreement etc". 4 days later, I get e-mailed a copy of an agreement from Wageday Advance. The signature is dated 23 November 2012 and the credit limit is £120 I then asked for statement of account, breakdown of charges and notice of assignment. On 23 March, I get a very simple breakdown saying the loan date is 1 May 2013 and the original loan value was £330 Those two don't match. I asked if this debt was i
  5. I'll keep it short but include all necessary details. I started a foundation degree with the Manchester College in September 2011. I was on the course for 6/7 months and then I dropped out. I never informed Student Finance and I just informed my college that I was dropping out. I am not sure if my college then in turn informed Student Finance or not but I never received any further payments after I dropped out (I know that much). I am not going to lie and say I know all the figures of what I borrowed or how much I was actually paid. upon checking the student loan re
  6. Hi all, I would really appreciate some advice. My business partner and I run a small business, and cashflow is very delicate. Some time ago we got in some money trouble and an invoice was sold to a debt recovery company. We managed to pay it off (or so we thought), but unfortunately my business partner is a bit scatternbrained with numbers, and paid the incorrect amount. The total outstanding debt was £5,723.96. My business partner sent them a transfer of £5,700, accidentally leaving off the £23.96. My business partner had some fees he wanted to dispute -
  7. Having major issues with the children at NPower. I thought I would share it for some advice and so that others can see how they treat customers. Basically we ran into some arrears a few months back. This was due mainly to them not billing us, to which we had a letter stating this and many DD not being registered that we tried to set up during this time. After each failed DD we kept contacting them regarding the DD but were ignored until we made a formal complaint to which we then had the debt spread over a longer period and some money added to the account as a goodwill gesture. This go
  8. I recently got a job as a temp for an admin position, although the agency did not charge me for finding work but when i looked at my payslip they are charging me 5% of my gross weekly pay for MANAGEMENT FEES! is this legal? when i enquired with them, they said this money was deducted as a Management fees for admin related duties such as processing my timesheet, payroll and paying the invoice finance company that advances them the money to pay my wages every week. As they have to wait for a month before they get paid, is this legal or could i take them to an industrial tribunal and sue them for
  9. I am wondering what course of action to take regarding a debt from a MBNA credit card opened in 2005. The account went into arrears and was passed to global arrow and a default registered in 2011. My last payment was in Feb 2011. A few days ago I got a letter sent to a previous address from restons who say they are acting on behalf of arrow to claim immediate payment, failing to do so will result in a cc summons and a judgement against my name. Please could anyone advise on what I should do. If a send a cca request do I send it to restons or global a
  10. Hi I keep on getting letters from Arrow Global for a defaulted 02 account I got into difficulties due to me loosing my job back in 2011. the account is still registered at my parents address it also shows that address on my credit file they are not sure which adress I am at so they are sending letters to both of them. I have not responded so they are sill in the dark They are defaulting my credit file every month What would be the best way forward I tried to get 02 to take a payment they just said it was in the hands of the DCA company. Thank you
  11. Good afternoon, We are hoping someone may be able to give us some advice on an extremely stressful situation. Up to the end of January 2014 my partner and I have been receiving assistance from housing benefit as our employment/business situation has been far from standard over the past few years. We have endeavoured to notify the council of anything which would affect our claim and have been working extremely hard to get ourselves out of the position where we need this assistance. We were invited to an interview under caution in February 2014 as there had been a discrepancy in o
  12. "]Hi I have a DCA chasing me for an old account with BT I left them because of the awful way they treated me, I am still claiming JSA What is the best way forward please The account is showing closed on my credit file with a default registered on July 2012 but nothing since. Is it the DCA company doing this I have thought about a make a offer letter I have read other threads re defaults and if unable to get removed. Thank you
  13. My wife and I are both retired.My wife is disabled and receives DLA.I receive Carers Allowance. My wife also receives pension credit(savings) and has two small private pensions.I also receive a private pension(income drawdown). In December 2012 I had a 5 year pension review and my pension was slashed from £560 per month to £250 per month due to new GAD rates being imposed. We advised DWP of a change in circumstances on 20th dec 2012 and despite phoning them every 2 weeks we have received nothing. Our meagre savings have now been used up and we are now worrying about paying our bills
  14. Hi! I've recently had a letter from Capital Credit Management chasing up debts totalling just over £1000 that I know nothing about. The tone of the letters were quite nasty, threatening court action if I did not pay up ASAP. Straight away I sent them a letter using the national debt line website template stating that I had no prior knowledge of the debt and asking for written proof. It would appear that they have totally ignored this and have sent another letter even more threatening than the first. I know they received my letter as I sent it next day signed delivery.
  15. Hi, I'm not sure what to do, a warrant was issued on 4th october 2011 for a pcn, and this was revoked by the traffic enforcement centre (TEC) (court) on 20th november 2011 when i filed an out of time witness statement. I received a letter from the bailiff on saturday 2nd june 2012, and a visit from them this morning. I had appealed to the council but not had a response, and have heard from the TEC that they have not reissued a warrant and that hounslow council is basically acting on the old revoked warrant issued on 4th october 2011. surely this is unlawful? illegal? have tried co
  16. http://www.credittoday.co.uk/article/14089/online-news/councils-acting-illegally-on-bailiff-fees-
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