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Found 25 results

  1. Builder estimate for renovation work on our house was £7,500. Work included removing window & replacing with patio doors, removing two internal walls, fitting insulated plaster board in bedroom, laying hardwood floor, converting a bedroom into a bathroom, including external pipework. We paid an initial £5000. He took over seven months to do the work, with very long, unexplained absences throughout (the longest was 9 weeks). During the work, we also asked him to fit respatex in the shower, board out the new bathroom with plasterboard (uninsulated), he added coving in the kitchen and s
  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. I defended the case and they had to discontinue the claim, but now they sent me a letter, with all the court fees and interest added on a periodic statement, almost £600 added to debt. Can the buyer of defaulted debt keep on adding fees and interest where the default debt was less than £5,000? Or could it be a ploy to get me to make contact with them (to prevent it from becoming time barred) as I never made contact with them since default some 4 years ago?
  4. this has no connection to any other topic ive done before (and i say this because i know ive confused myself and messed things up previously) i have recently gained this letter and a copy of the fee application, however i havent been given the application they are referencing and was hoping somebody could tell me where this form is. i have emailed them but itll be about a month before i get a response.
  5. Hi, I had a previous bank account (but not old enough to be SB) with HSBC which was overdrawn by a large amount. Negotiations to sort things out with HSBC broke down and I've not heard anything from them for 3 years, and have since moved. I came home yesterday to a claim form (dated 29th August) from MKDP LLP who now appear to own the account. I presume they have traced me, but I have had no prior correspondence from them. The amount claimed is a lot higher than the overdraft was, so will doubtless include countless fees. The particulars of claim are 'T
  6. Ski giant Mark Warner has hiked the cost of holidays to the snow Mark Warner has a clause which allows it to add up to 10 per cent to the holiday price without having to offer any refunds. Up to £50 per head has been added to pre-booked holidays with the tour operator. The reason for the increase is not clear, but follows many other big names increasing prices due to the fall in the pound after Brexit. One of the company’s customers has learned her £869 per head family holiday to a chalet hotel in Meribel in mid-January will be hit with the surcharge,even though the s
  7. Hi all Can an Enforcement company add all there fee's on after the compliance stage (£235 and interest) before they try to enforce? I know it would be irrelevant if they take control of goods just curious if that was allowed. leakie
  8. I bought a flight on Bravofly which is a lastminute.com company. I did not tick a box that added on a cancellation Insurance policy to my order. Only found out on the confirmation page when they had charged me £30 extra. Emailed them and they replied the following. Isn't there a cooling off period for insurance policies regardless of what the policy is?
  9. I'm a secure tenant in a property. I've recently contacted the landlord asking if they will give permission to let me build a conservatory. But they are refusing to give it! They say its because it will cause more expense if they need to do any maintenance however there is nothing to maintain above where it would be as everything is plastic and maintenance free. It states in my tenancy agreement that I can make improvements to the property as long as I get the correct planning permission etc. but I don't need it as its within the alowed limit and the are not allowed to unreasonably withhold co
  10. Well, generally I am a supporter of sky, BUT alongside the £1 increase in line rental (heck they all are) sky are removing the included calls effectively reducing the worth of the package in addition to raising its cost. Now as if the double whammy there wasn't bad enough they are 'automatically' moving people on to an additionally charged calls package - as that gives the nearest call package to the free included ones you had. How are they notifying folk of this - buried in the detail of what superficially looks like just another rubbish mail shot. and to add further insult to in
  11. Asked if I could pay an old vets bill in three stages only to be emailed by DCA who had added another £70 but offered to take off £30 for an unposted letter. They addes £40 for the first letter. I did not think they could do this. Am I wrong?
  12. 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
  13. The Financial Conduct Authority today announced plans to ban opt-out selling in financial services markets. Opt-out selling is the practice of defaulting consumers into buying a product which they then have to opt out of, for example by using pre-ticked boxes to sell the consumer add-on insurance. http://www.fca.org.uk/news/fca-proposes-an-end-to-opt-out-selling-of-insurance-add-ons FCA to ban pre-ticked 'add-on' insurance sales http://www.theguardian.com/money/2015/mar/25/fca-to-ban-pre-ticked-add-on-insurance-sales
  14. Due to poor health, I had to take time of work, Jan and Feb, now from my wages I make sure I pay my Mortgage, Payment to the Debt arrangement scheme, and Council Tax Now I get weekly tax credits of £81, and around the 15 Feb, I received my bill from scottish Power of £298. Now from my tax credits, and working payments out on Excel, I have budgeted £30 per week to my account for Scottish Power, meaning by 5 May account should be paid in full On the 23 Feb, I emailed Scottish Power about my fiancial difficult, and included the payment plan for the account Now
  15. So my loan details: Capital Payment: £450 Interest Repayment: £183.12 Transmission Fee: £5.50 Other Charges: £20 Total on promise date: £508.62 Paid: £150 --- Defaulted at £734 Paid so far: £230 Balance: £448 (not correct on CRA) --- The £150 above is what I think I got them to remove from my loan as I wasn't paying it. Should I only be paying £450 + £183.12 interest + £12 default fee in total making my balance £415.12 not £448? I really need to go over my emails with them again. I think I need to ask for a breakdown of charges
  16. I have just renewed my insurance with them 2 weeks ago, and last week they sent me a letter stating that they had not received my signed credit agreement within 14 days and so are charging me £24 for this. The issue is that I did not receive the credit agreement in order for me to sign it! is it worth me ringing them to try to get the charge removed or is there little point?
  17. morning to anyone that can help! I have a bad credit rating and so my sister financed a new car for me back in October last year. I went for the Peujeot 'just add fuel' offer and got the entry level 207, it included 3 years free car insurance and 3 years free tax. Im in financial hardship and so for £200.00 a month this was perfect. My sister did not visit the showroom at all i made all the enquiries myself and told her the details on email. She told me to be sure of the free insurance deal as this is really what clinched it (my current car insuran
  18. I financed a car from Peujeot with the Just add fuel offer. It was a car on finance and then 1 years free insurance and road tax and servicing etc. I was financing the car for my sister and confirmed with the salesman that she would qualify for the free insurance. He assure me that she would and I even made 2 further phone calls about this before signing on the dotted line. the car was collected and a certificate given to insure for one month, we then had to send in necessary paperwork for the official insurance policy. It then turned out that in fact my sister did not qualify for the i
  19. Swinton failed to inform customers that the policies were optional and separate from the core cover Insurer Swinton has been fined £7.4m and has set aside more than £11m to compensate customers after the City regulator found it had mis-sold add-on insurance policies over a two-year period. It is the biggest fine of its kind for an insurer and comes days after the Financial Conduct Authority (FCA) announced an investigation into the market in add-ons. The FCA said that between April 2010 and April 2012 Swinton had sold personal accident, home emergency and motor breakdown pol
  20. We have had a reposession order suspended on our flat that we rent out for four months now while sale of the property goes through - we have had to extend the lease in order to sell the property...landlords gave us estimate and on that basis we agreed price with buyer...we have just found out that the actual amount they want is far higher and this puts us into negative equity alongside all the other expenses of the sale... We may have no option but to allow the property to be repossessed if thats the case what are the repercussions financially? Is our obligation to mortgage company satisi
  21. Heya I've bui,t up over time an Apple iWorks (Numbers) spreadsheet which I use to manage: 1) WHo I owe Money to 2) How much I've paid 3) When I've Paid 4) Who I called or who called me and when 5) Who I get letters from or send them to and when It's been invaluable to helping me out. I've caught a few people out with their figures being incorrect, and shockingly enough, I've had compliments from quite a few of DCA's in the past at how organised I am Can an admin/mod/site team member look at it and consider for the templates section? I do realise it's MAC onl
  22. I have a new claim to the ET which is quite detailed. I require more space than is allowed on the ET1 PDF which submits digitally How does one deal with this?.
  23. I used to know how to do it but have forgotten over time as I haven't had cause to use it. I have tried looking for it on site including Bookworm's excellent post http://www.consumeractiongroup.co.uk/forum/showthread.php?107001-quot-How-do-I...-quot-A-Dummies-Guide-to-this-Forum I know it requires the use of "color" within parentheses at the beginning and end of the statement, but I cannot remember what the magic words are. Or perhaps some one could kindly tell me where to find it on the site. Many thanks.
  24. On Friday I received an email from the Lewis Group, claiming to be acting on behalf of Ebay and demanding outstanding fees of £72 . I do owe ebay money, which I am now in a position to pay, but it is nowhere near that amount. I replied, asking how they had arrived at that figure and, as yet, have received no response. However, I contacted ebay and they told me that it is probably a phishing email and to ignore it. They also quoted me the true amount that I owe, considerably lower than the amount the Lewis Group told me. What bothers me is that the email from the Lewis Gr
  25. Hi all, I'm in need of some advice regarding the early termination of my Just Add Fuel agreement with Peugeot. I took the scheme out last August, and at the time knew that a year later there could be the possibility of moving abroad, I was told at the time by the dealer that this wouldn't be a problem and that I was free to give the car back at no extra cost whenever I wanted. I am now going to be moving away for 2 years from August so contacted Peugeot to begin the process of returning the car. The lady on the phone was very positive about it and said I would recieve a letter i
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