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  1. Hi all, I'm hoping someone can advise, back in October I applied for a loan through Admiral but the application was unsuccessful. My credit score (i use Clearscore) went down this month with a note saying: What changed in July 2018 : Hard Search performed by Admiral Loans for Credit Application The October application is showing the exact same information - why would they simply perform another hard search without my consent? and is there anything i can do about it? Thank you H x
  2. Hi, Im desperately hoping someone can advise... To cut a really long story short, i took a career break from my bank job to care for my sick husband in 2012. It left us with minimum income other than disability allowance and carers allowance as because i was still classed as employed we were told we couldnt claim any other benefit, not that we wanted to. We never have had any state benefits. My husband passed away in 2013 and i had to pay his funeral costs, half of which i paid upfront. His family were meant to pay the other half but never did. Subsequentl
  3. We had a car on a 4 year lease with Lex which ended in March this year. Late last year I got 3 or 4 private parking notices in London - Parking Eye and suchlike. Lex say that if you don't pay fine then they will pay any reminder on your behalf as they have liability as the registered owner. When I got the first notice I wrote to Lex saying I did not authorise them to pay any fines on my behalf, but they could provide my details to the parking companies which then moves the liability onto the driver. Lex did this initially but paid 3 fines on my behalf, which I disputed.
  4. Hi. I want to add some side windows to my Landrover Defender but cannot get any guidance on if I need to let the DVLA know re taxation class. Everywhere on the internet talks about adding windows AND adding seats which creates all sorts of trouble with the tax. I just want windows. Can anyone sign post me to what I need to do legally. My vehicle is currently registered as Light Goods Vehicle. Many thanks Kilo
  5. Having booked a 17 day Sydney 2 day hotel room only stay and 15 day NCL cruise of Austria and New Zealand for Nov 2017. As the tv presenters had stated if you want to add any extra days on please just call back after booking as we are travel agents also so will make sure you get the best price? We contacted Cruise 1st customer service to request a quotation to stay an extra three days earlier in our hotel and change our flights out date. The email reply I have received offered to change our flights for £100 each and the extra three days in the same holiday hotel would be for a room
  6. All can any one help I had a car repossessed by Private and Commercial Finance PCF on a conditional sale agreement they got CCJ, court set payment at £10 in September 16 November 16 , they appealed court set at £40 today i have received a statement (notice of sums in arrears) from them , they have added several legal charges since, is this allowed July 16 - Legal Fees Adjustment £5088.36 - this doubled the debt, after car was sold at auction. October 16 - Legal Charges £280 november 16 - legal charges £28 december 16 -legal charges £250 Januar
  7. Hi thank you for adding me to your community I have been running a shop for about 12 months that my parents ran for many years it has been closed for a 7 years and i find laws & regulations have changed so much. The forums i am sure will help thank you again. Kind regards Dick Tate
  8. Hi, I don't know if anyone is able to give me any advice. Three or four years ago I had some financial troubles. Recently I decided to get my head out of the sand and I ordered copies of my credit files. I have found that in addition to the actual accounts that have been defaulted (bank account and storecard etc) Lowell Financial have also added their own default. The main question that I have is can Lowell do this? I was intending to try and pay back as many companies as I could, but I object to paying two people for the same debt. In addition t
  9. Guys, The wife and I have each received claim forms from South West Water after missing 2 payments which were missed because the direct debit was cancelled (but not by us!!!). We've had no correspondence from them whatsoever regarding the arrears which we're more than happy to pay but they're claiming for the whole year's payments upfront. Now I'm not sure what to do about this claim, I can't afford the full year in advance so I presume I'll have to fight this. I've acknowledged the form so have to think of something soon. Any ideas gratefully appreciated.
  10. Hi everyone, I'm not sure if there is anything I can do but I've been directed to this site just incase.. I had an old lloyds tsb credit card that defaulted in 2008 and was sent over to Ind Ltd, they did nothing for 3 years then decided to send me a ccj form from Northampton county court. I made an offer of payment which was accepted, I didn't end up paying and fast forward to 2015 I was taken to actual court and another amount was set to pay (which I have been) I rang them today to get a balance and just as an enquiry I asked for a breakdown of all the added charges as I thoug
  11. Is there a court form for such an application ?
  12. Hi all, I've looked through and tried to find a similar case, and was wondering if someone could help shed some light on the issue I detail below: 1 - my wife received a letter stating a £65 private parking charge from NGP (New Generation Parking) for supposedly parking in an unauthorised area of Capital Retail Park (Cardiff) in October/November 2012.......subsequently ignored the letter as per instructions elsewhere on the web. This letter had been sent to an old address for my wife. 2 - received a letter from DCBL saying they had been instructed to claim the 'debt' by NGP, and h
  13. Hello-question please re CCa or lack of one, Barclaycard and Amex didn't send a proper CCA but still adding % and even late payment charge on BCard x 2 -can I send a letter telling them this is wrong whilst in dispute or are they allowed to carry on like this -I stopped payments several months ago after the terms and conditions came instead of CCA. ..can anyone help with advice on what to do next please -Thanks I have requested CCA from Barclaycard x 2 and Amex-neither sent CCA just terms and conditions. Now BCard are adding % and late payments
  14. Under CPR 19.2 (4), can parties be substituted or added after default Judgement? Any case laws would be welcome. Thanks
  15. Today i had to travel to a county court approx 180 miles from my home to contest an application to set a side a judgement. The defendant failed to turn up so the judge threw out their application and has allowed the judgement to stand. My question is; the judgement is for a specific amount of money, however since this was calculated there has been a number of additional expenses that i have had in relation to the case, fuel costs to the hearing and postage of various forms. Is there a way of claim this back? On a related issue, my partner was signed off work for a 6 week period due t
  16. I just got a bill from 'STUDIO' which is a kind of catalogue. It states my balance is £330 odd + 23/01/2014 Default Sum £12 + 23/01/2014 Service charge £16.22 I can only think 'Service charge' is an excuse to add more. Is this legal? What shall I do? £28.22 extra for paying late is a bit much isn't it?
  17. Hi all, hope I'm posting in the correct place? I need some help about an old debt with Barclays. I had just bee made redundant and explained this to Barclays at the time and asked the m not to put any more charges on my account as it was crippling me financially. They continued to add charges on to the tune of £530. Anyway I changed bank accounts and got myself sorted out again. I got a few letters demanding money from Barclays, but wrote back saying that I wasnt going to pay their unlawful charges and if they wanted their money they were going to have to take me to court. I heard nothing
  18. Stupidly I took a loan from Wonga for £500 and about 100 interest.... 3 days before the promise date, I entered into a repayment plan but my first payment not due until October 1st...but when I logged in, its now saying I owe £631 and a few pence even tho a repayment plan is in place. I emailed Wonga, and their response was that the interest will accumulate until my first instalment of my r/p plan has been paid... Can they do that? what can I do?
  19. I had an agreement to pay Rossendales each month for outstanding council tax, and this was being paid. I then had an issue with their website, where it did not reflect payment on their end, despite me showing them proof via an online screenshot. I had to do a chargeback to get the money back. They then sent another bailiff in the middle of March to come and they then added on another £161.00 to the outstanding amount. They then reset my agreement to the original amount each month, which i paid the beginning of April, May and June, leaving the original council tax amou
  20. Just a quick question regarding what a DCA can and cannot add to a debt. We received a letter today as a debt has been passed onto STA International. As well as the original debt there is an extra £63.83 for 'Collection Costs'. This seems a little ott just to send a letter. Are there any guidelines as to what they can add to the debt? Thanks Lee.
  21. Hi, Many many years ago I opened a Beneficial Credit Card (a moisten and seal application) which later was sold to Marbles and then to Capquest. From 2008 I made token payments to HFC (Beneficial) as I was struggling with my finances (due to disability etc). Beneficial were not the most pleasant to deal with, defaulted the debt quite early and sold to Marbles. Marbles were a pain in the ****, and refused to correspond in regards to the debt. I stopped token payments at this point. Marbles did not contact me at all for the whole year they owned the debt, nor provided
  22. I have a personal loan that I had with Santander for £4200. When I lost my job due to an accident at work I was unable to make the payments. After speaking to them regarding my prombles in paying the loan, they agreed to freeze the interest and accept a payment of £1 per month which I have been paying now for three and a half years. I wrote to them three years ago to advise them of my change of address. I have now received a statement sent to my old address showing that interest is still being added to the account! I now owe £5120 and at the current payment of £1 per month will continue
  23. hi recently moved back in with my mum and we are thinking of adding my name to the house deeds so things might be a bit easier in the future if one of us was to pass away the property is mortgage free so was just wondering if I need a solicitor to sort it or can I deal with land registry direct? thanks
  24. I received a judgement from the courts saying I owed council tax to Mendip Council. I immediately started paying £30 per week every week to the council via my bank account. Yesterday Equita turned up demanding the full amount PLUS £260 in charges for delivering the letter by hand. I rang the council asking if they would consider asking the bailiffs to back off as I am paying them weekly. The bloke on the phone aknowledged I was paying regularly but said that the debt now belonged to Equita and that once I paid the council all monies I was paying the council were forwarded onto Equita
  25. Hi I've a judgement issued by Northampton Bulk in favour of Robinson Way that I've been gradually clearing. I've noticed on this month's statement from them that my balance has suddenly increased by £72.25. No indication that it's increased or why, just £72.25 more than it should be. Before I contact them is there any reason for them to do this and how do I get them to put it back to where it should be? Cheers
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