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  1. Hi all Haven’t been on for a while, but nice some familiar names are still active on here! I have gotten into a situation and would really appreciate some advice and help. I have the same feeling I did when I helped my Dad some years back with debt issues, where currently everything feels quite daunting but know the CAG members hold a wealth of information and have always been great As I want to anonymise this, please bear with me for being vague anywhere. Completely out of character, I ended up in an altercation, things were said, the other party initiated pushin
  2. This is what Lloyds have sent me, clearly not the original as the font is exactly the same as on the new 1 and it looks like it was literally printed yesterday, shocked really as I only sent the letter friday but theres a copy of this, the current terms and a statement. Now i'm no expert but I think this is probably what they send everyone, how do I know this is what I agreed to?. Confusing as hell though, "see condition 8" etc. Clearly deliberately written with the intention of making little sense, but please can someone have a look.
  3. Hi, Hopefully someone can help with this.. My wife took out a debenhams card back in 2005 due to difficult circumstances in 2008 she defaulted on the account. this lead to eventually having a CCJ registered against her and a charge put on the property in October 2009. i have all the paperwork for this including the original agreement she signed in store, default notice court claim form the works. we are in a better position now and would like to know what would be the best outcome for resolving this? The CCJ is for just over £2k The ideal outcome would be to ge
  4. Loan was with the AA. It was taken out in 2005 I think. Without checking I'm not 100% sure. Unsure about PPI but I have sent them a SAR to check.
  5. Hi, I have just received my PIP award letter from DWP and have been awarded Standard Care no mobility. On the short report it says that I attended the Face to face assessment alone. The fact is that my Wife who is my carer came with me and carried my medication into the room, placed them on the assessors desk, checked with me that I am alright then waited outside for me. She did not stay in the room as she gets upset very easily and also angry and frustrated when in that type of environment. To avoid this we agreed that as soon as I am with the assessor I would be
  6. Sorry if this has been covered. CHAMBERLAIN BUILDINGS. Driver received Claim Form. Claimant EURO etc... Address for documents: GLADSTONES etc... Top right hand page: COUNTY COURT NORTHANTS etc .. This will be defended but firstly who should I respond to, if anybody? Parked for less than 5 minutes outside of bay(no ticket required) Insufficient time to read signage detailing 'contract' Operative had no id or uniform and proceeded to take a couple of pics of vehicle. Unsure who he was initially. Then POC £100 for PCN; £60 Contra
  7. Hi there i have a letter before action from Gladstones Solicitors regarding a PCN, which happened 16th October 2017 outside a sandwich shop, this was the only parking spot available and i was having dizzy spells and needed to eat. When i came out of the sandwich shop and noticed someone taking pics of my vehicle, i approached them to explain the situation but they simply ignored me. The parking restrictions were not clearly displayed. They have given me 30 days to respond from the date of the letter - 15th November 2018 and the 30 da
  8. Long winded explanation. Our mortgage of 25 years comes to an end towards the end of this year, when we will have to repay approx £100k 2 years ago our life endowment policy was ended by Phoenix Insurance (not originally with them but numerous acquisitions they ended up with it). The reason for ending it - they had had to use money from the pot to service the policy. We complained - they agreed that it had been mis-sold and they refund the difference between a standard life policy (life only) and the money we actually paid into the policy over 23 years with simple in
  9. Hi there, Is there anyone out there who can help me? We have a former GMAC mortgage that went over to mortgage Express. We were keeping up with the mortgage until I finally succumbed to my illness and disability. We are currently five months in arrears which works out to be £4250. I was working part time and my wife was working full time and up to earlier in the year keeping up with our mortgage. We thought we had sorted ourselves out with my working part time and my wife getting a full time job a while ago. I had an operation several years ago, that resulted in dama
  10. Hi I would like some advice please. I owed the freeholders of my lease some service charges that were a total of 436.62. In mid Aug I telephoned them and they demanded I pay in full immediately. I tried to discuss with them some payment plan but they would not accept anything just a demand to pay it all or they will instruct their solicitors. I paid 250.00 by direct debit at the end of Aug. 10 days later in early Sept I receive a letter demanding 436.62 be paid. I called them and told them that their figures were wrong Both they and
  11. Hi, Ive read a few of the posts on the forum before registering and after seeing the sound advice given out I was hoping I could just pinch some knowledge off whoever maybe helpful enough to assist my situation. So I’m submitting my small claims court document online tomorrow, it’s all filled out ready to go but I wanted some advice on what I can claim for and to what amounts. I’ll try to keep this brief. I purchased a car in October for £2000. The car had high mileage at 130k but seemed a good vehicle for me to get to work and back. It had a full service history, lots of receip
  12. Good Afternoon. I was wondering if someone can help me with some questions regarding an old debt I have. About 5 years ago, my mother became terminally ill, I was in full time work and had to reduce my hours to help her as she refused to go into care. At the time I was paying for a Loan from NatWest. I knew I was going to start to struggle paying the loan amount so I went into the bank to ask for help. 3 times I went in asked, each time they either tried to replace it with a bigger loan over longer or just said no. On the 3rd time I spoke to the General Manag
  13. Hi, I am considering applying for Industrial Injuries Benefit but I am finding it difficult to get any evidence of the accident I had. The accident was way back in 1990 (February) and I am unsure if records are kep’t this long by an employer. My GP has records of the treatment I received after the injury but nothing that states that it was a work place accident. I already qualify for PIP (lower rate care & higher rate mobility) because of the injury I sustained and the effect it has on my daily life. Would my claim be accepted without evidence to support it was an accident or
  14. I have six outstanding debts that defaulted over six years ago. Five have been passed on to DCAs, one remains with the original company. I pay a nominal amount each month. From reading various threads on the site it seems that once passed to a DCA payment should still be made to the OC. I am confused because in the case of an outstanding amount to the AA they have only recently sent a letter advising they have assigned the debt to Intrum. In the case of four of the other debts I am confused as to who I should be paying, especially when you receive a letter from a DC
  15. My partner is a carer. She has been sent to work for a lady who wasn't equipped with the correct device to keep her upright. She fell on my partner and my partner suffered a back injury leading to incontinence, pain and time off work. We took the case with xxx LLP, who wrote a letter to the employer and got a response, offering 4000 pounds as final settlement. xxx advised us to reject that offer, saying, over the phone, that we can always fall back on the 4000, but they believe we can get much more. Since then, my partner has been to Royal Berkshire Hospital, where the doctor said
  16. Hi..I'm a newbie here so thanks in advance for your help. I got into financial trouble in 2007 with an unsecured loan my ex husband got me into (it's in my sole name). I divorced my husband and missed payments on my loan. It went into default. Lloyds got Apex involved, I made an agreement and started paying £60pcm. Life moved on, the default timed out on my credit file, I moved house but carried on paying. I struggled financially and lowered my payment to £50pcm. 1 year after lowering my payment brings me to present day. Robinson Way have been calling me askin
  17. Today I received a white county courtclaim form from northampton for the MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012. On 12th Nov PRA Group wrote to me in response to my returned PAP form where I stated I dispute the debt because I need more documents or information Specifically I wrote: I need a copy of (1) the Default Notice, (2) the Notice of Assignment, (3) a complete set of statements detailing exactly how the debt has accrued detailing: (a) All Transactions, (b) Any additional charges, be them by the original creditor or you PRA
  18. Hi, i originally join the gym through lifestyle fitness in February 2017. I then cancelled my direct debit through my mobile banking app in August 2018, just after the payment was made that month on the 15th. It is now December 2018 and I have received a letter from the CRS stating I owe them £250.52, “following our initial letter” even though I haven’t received a letter previously, haven’t received any emails stating I owe them any money or anything. i was under the impression the gym membership was cancelled when the direct debit was and I haven’t heard from them until now
  19. I was 66 yrs old 2 days ago. I have been in hospital for 3 weeks just got out but i have been worried about all my debts (plenty of time to think in a hospital bed) Summary 1) I have been with Payplan for 13 years and i have never ever missed apayment. 2) I have paid back £19,206.54 and my remaining debt is £52,233.72 3) My estimated DMP completion date is 28/04/2055 in which i will be 103 years old. 4) Owing to bad health i will not be around that long. 5) Payplan keep pushing me to start an IVA which is bad adv
  20. I purchased a 15 month old 2017 Swift Escape 685 motorhome for 46k in August 2018 which developed various faults, initially minor but getting more serious/worrying over the short time I've owned this. This is my first ever motorhome and my wife and I purchased this for trips to maintain our holiday home business throughout the year, not just for holidays, the dealer was made aware of this before our purchase. We decided to purchase a used model because we believed it would have had any initial teething problems solved, so would be more reliable than a new model, my first mistake! I
  21. Hi there, I was wondering if anyone had succeeded in getting any redress from Aaen Peach. Like many on this forum, we received a quote from hbcconveyancing of about £600 for the purchase of a property. Now we've received an estimate of £1300 (700 of this is fees) and £500 is 'payments to third parties' although about 500 of that 300 is in fact payments to them (making their conveyancing fee £1000 so far.) There have been no issues so far with the purchase of the property (which is under 100k.) Now we've received a letter to sign, giving them the authority to act fo
  22. I’ve been stupid and was caught shoplifting in Sainsburys and looking for some advice. I’ve searched the forum for similar situations, but I still have a few questions. I was taken to the back office office and asked for my name, DOB and address. I didn’t want to give them photo ID so showed them my bank card. They appeared to just look at it to confirm my name and didn’t take any photocopies of it as far as I’m aware. I was very compliant, stayed calm, handed over the items immediately (very low cost: less than £9 in total which I then paid in full before leaving).
  23. Hey- myself and now ex partner took out an unsecured loan back in 2006 for £20k on top of a mortgage we had at the sametime - all ok - fast forward 1 year he then takes out a secured loan in our names, forged my signature (this is not why I am writing but just trying to give you some background) he told me he would kill himself if I reported him - we split up only after 2 years did I then contact bank and said I didn't sign or agree to this - they wouldn't back down, police wouldn't pursue the property was sold and the proceeds were swallowed up for his secured
  24. Hi, I wanted to get some opinions/advice regarding an issue I have and wanted to know what the general feeling, or even better someone who has experienced this problem and what the outcome was.... I purchased an Audi A3 1.8TFSI and the car has the same oil consumption issue as the 2.0 TFSI (mainly Audi A5's but A3 and other models also). I went for the 1.8TFSI as I didn't think it had the same oil consumption issue but it appears it does, just less well known. My local Audi dealer is doing all of the tests and in a couple of weeks they will have all of the details to put fo
  25. About two weeks ago (Jan 2019) I received a letter from DrysdensFairfax solicitors acting on behalf of CapQuest for a debt of £9900.07 which I want to defend on the basis of its being and unenforceable debt. The original credit agreement was with Virgin Money and dates from 2005 The original default letter dates from 2009. The debt has increased due to 'various court charges etc charges' that aren't itemised They issued court proceedings in 2014 which I defended, and they put a stay on the case.. they have recently requested for the stay to be lifted and a court date has
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