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Found 660 results

  1. Name of Claimant: Marlin Europe Limited Date of issue: 02/04/14 What is the claim for? 1. The claimant claims the sum of £2488.72 being monies due from the defendant to the claimant under a regulated agreement between the defendant and CLYDESDALE and assigned to the claimant on 18/10/2006, notice of which has been provided to the defendant. 2. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. 3. The claimant claims the sum of £2488.72 and costs. 4. The Claimant has complied, as far as is n the pre-action conduct practice direction.NumberWhat is the value of the claim? Amount Claimed £2488.72 Court Fees £75.00 Solicitor’s Cost £80.00 Total Amount £2643.72 Has the claimant included section 69 interest? Don’t know (don’t think so) Is the claim for a current account? Yes When did you enter into the original agreement before or after 2007? Before 2007 Has the claim been issued by the original creditor? No Were you aware the account had been assigned? Yes Did you receive a default notice from the original creditor? Yes (Account defaulted 2006, removed in 2012) Have you been receiving statutory notices at least once a year? No Why did you cease payments? Account in dispute over bank charges. Was there a dispute with the original creditor? Yes. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Apologies for formatting, I can't change it Hi,Haven't been on for a while, as I thought that finally my finances were in order and I was debt free until this landed on my doorstep, some 8 years since I had the account. It arrived the morning I was leaving on holiday, so already 3 weeks behind. Any help much appreciated Thanks
  2. .. I sent off a CCA request six months ago which has not been provided, the account is in dispute, i have been receiving 'arrears' letters since. My question is, would it help to send back the latest arrears letter with a "No contract. Return to sender" label, or sit on my hands? Thanks Pencil.
  3. Hi all, I recently CCAed all my creditors in order to try and sort out my finances finally. I have been paying £1 token payments to each, having defaulted on all over 6 years ago. I have moved house a few times since and have lost track of what has happened to them all. having sent a CCA request to Robinson Way, who I originally dealt with for a Halifax debt, I received a strange reply, returning my £1 PO, and saying that "the account is closed on our files, please contact our principal". This was written on a very unprofessional piece of paper that looked more like a memo than a letter! Has anyone got any advise as to how I should proceed with this? The 12+2 days are definitely over. As Robinson Way were dealing with this, is it still their responsibility to respond to my CCA request? Thanks AM
  4. Hi All This is my first post as I'm currently having issues with Samsonite and a suitcase I bought. I bought a small cabin bag size suitcase from a genuine Samsonite outlet store in York during the Black Friday sales at the end of November. It cost £41 which I knew was really cheap for Samsonite as I already have a couple of their cases. I used the case for the first time during a trip to London in mid January, during which time the retractable handle broke while waking along a train platform (so much fun!). I took the case back to the Samsonite store where I purchased it, and was told it would have to be sent away for repair as it was more than 6 weeks since I bought it. I've since received a voicemail from the store advising that the case could not be repaired, and to visit them to discuss. I'd really like to know what my rights are before I travel to the store (which is 90mins from where I live, so I need to be prepared), as to what I can get as a replacement. I do not want store credit or my money back, as I know I won't be able to buy a replacement suitcase without putting a lot more money towards it. As far as I can see the suitcase wasn't fit for purpose, and I'd like a replacement at no cost to me, but is this what I'm entitled to? Any help would be much appreciated so I can be prepared to fight my corner. Thanks Claire
  5. Evening. First I apologise for literally signing up to the forum and asking advice. I am unsure of what to do next. I am from Northern Ireland (UK), I traveled to the south of England to purchase a car off a small used car dealer on the 26/1/19. He has roughly 14 cars for sale at the minute. It is a 2010 Volvo C30 automatic/powershift. Full history with only 1 previous owner and 50k miles, cost me just over £5k. On the face of it the car it is very well presented, good bodywork, service history etc. 3 month warranty assist 'gold cover'. The first issue was on the 27/01/19. I was back in Northern Ireland at this stage. The steering would lock itself and not unlock, which would not let you start the vehicle. I had to leave the car in a petrol station forecourt and get it recovered later. Warranty company said, take it to any VAT registered garage to get assessed. I got it taken to a local Volvo franchise. I thought then 'perfect time to get the automatic gearbox serviced' as I thought the gearbox was a little jerky and noisy. I left it with Volvo to get a quote for the steering lock fault and a gearbox service that I was happily paying for. Volvo have since told me it needs a new gearbox as there is movement in some shaft that will be likely to fail at anytime. The gearbox alone is £4900 and the steering lock is £500. Warranty have refused to fix either of the faults and the dealer is saying he is only willing to replace the steering lock and the gearbox is still working ok, so it is just general wear and tear. I have not yet got any of these faults fixed as I do not want to keep the car with the gearbox that could let me down at any minute and warranty are not willing to cover it. Is this a genuine reason for rejection?
  6. Hi, looking for some help here as to how I can get Hermes to cough up and refund me my money after losing my parcel. On the 7th January 2019 I sold a circular saw on eBay for £150.00, because of the weight I decided a courier was the best and cheapest way to send it to the buyer. It was dropped off at my local pick up point on Friday the 9th January for next day delivery. It was over a week before the buyer got in touch to ask me what was happening with the package, I was of the understanding it should’ve been with him by now. It was saying on Hermes website the parcel was at a local depot. I sent Hermes a couple of tweets asking for someone to get in touch with me, no one ever got back to me. I finally got in touch via email where I was told my parcel has been lost. Hermes then claimed that as it was a saw it was classed as a sharp object therefore it was classed as a prohibited item, I argued that I took the blade out before I sent it (not true). They then said that despite it not having a blade it still falls under dangerous items and so they wouldn’t be refunding. I’ve since sent them 2 emails asking further questions and have had no reply. can anyone advise me where to go from here, my last email I told them if they didn’t refund my money in the next week I would be taking it to small claims court, is this the right route to go down? Or maybe there’s another method I should be taking? thanks in advance for any help and advice. kevin
  7. Hi, I entered the Damside Street Car Park in Lancaster on 09/09 2018 at 11:57:47 with a 5 years old daughter in distress. While my partner took care of her I had to go around to find a place where to change money because I didn't have enough loose change to pay for a parking ticket at the ticket machine. Therefore I bought a parking ticket valid for 1 hour at 12:10 (just over two minutes after the 10 minute grace period finished). I left the car park at 12:13:02. In total, I stayed there for less than 16 minutes but purchased a ticket allowing me to stay for 1 hour (plus the 10 minutes grace period). A few days later I received a Parking Charge for £125. I tried to appeal with the HX Car Management and with the Independent Appeal Service but with no success. A few days ago, I received a Letter Before Claim from Gladstones solicitors threatening with a legal action if I don't pay £160. I'm not sure what to do. Shall I pay or shall I go to the court? Do I have any chance in the court with no legal experience? Thank you for your help Miroslav
  8. Hi Guys In November, I applied for a post office credit card and was declined despite having near perfect scores with Experian and Equifax. I used an eligibility checker first and it showed that I had a 95% chance of being approved so I felt confident to apply. However, while filling out the application form I did notice that there were no fields to enter information as a self-employed person but I proceeded anyway by entering info about my self-employed status so it may be that they only approve those that are employed. I received a letter from them confirming the decline but they didn't give a reason. It said that they used Experian. For several years I have had an Aqua card and they have increased my credit limit quite substantially. Over the last 6 months they have sent me a letter every month encouraging me to apply for a loan for up to £5,000 using the loan code they sent. I want to apply for a loan because the rate is 3X lower than their credit card rate. However, I'm concerned about my credit score being negatively affected again I wonder if someone could tell me how much time I should allow before applying for credit/loan again. Your advice would be appreciated.
  9. Hi I purchased a cctv from Maplin about 8 months ago using my Santander c/card, I closed the account about 6 weeks ago and now the cctv system is broken, Maplin have liquidated of course so I ask.... Can I still claim a refund on my old card? Thanks
  10. Hi im new to the forum I have recently stopped paying my loan, I recall the loan company sending me out my loan agreement and making me hand sign it in late 2016. If I was to do a CCA will they need to show the signed agreement?
  11. Hi all. Long story short - I had an accident at work, they admitted liability. I have been off on long term sick with PTSD and now called in for interview by HR. They want me to finish due to long absence. OH doctor has put on one report that the disabilty act may apply to my case. I've made a claim via my union which is ongoing. I really don't want to lose my job, but I'm not well enough to go back. I'm trying to claim sick benefits but it's very hard going and haven't received anything yet. SSP and pay have now finished so I'm starting to panic. I've finally been seen by a CPN this last month who is putting a care plan together for me. It is a large organisation so I'm not being missed as such. I accept they can no longer pay me but can they dismiss me? I'm concerned as it's a great job plus now, with my sick record and mental health problem I'm never going to find a good job again. Can anyone help please?
  12. I sold an item on Etsy sent with myhermes and my customer didn’t receive it. The item was posted on December 11th but the buyer didn’t inform me they had not received until January 15th. I informed myhermes who said that they could not locate the parcel but would not pay compensation as I informed them after 28 days. The item is worth £20 so within the standard compensation rate. their terms state: You must notify us in writing of any claim for Loss or Damage or Late Delivery within 28 days of the date of the relevant Order. If you fail to do so, we will not be liable to you for it, except where you are able to prove that it was not possible for you to notify us of your claim in writing within this time limit. I offered as proof that I could not notify them as my buyer had not informed me of the loss. They have refused this as proof stating that proof is only where the sender has been hospitalised?! I’ve asked them to clarify the proof term and direct me to where this is written in their terms but they can’t provide this. I’d appreciate some help with moving forward with this please. Are they within their rights to refuse compensation and put a 28 day limit on informing them of a lost parcel? Can they refuse as proof the fact that I was not informed of the loss by my customer before the 28 day period?
  13. Hello there, Hopefully someone can help with this. My understanding is that under the old system, if you had sanctions on JSA but then won ESA the sanctions you had on JSA would not effect the ESA payments. I'm on Universal Credit however, and it's just recently occurred to me that the UC basic payment is the same benefit whether you are fit for work or are found to have limited capability. So any sanctions from before a successful WCA would be the same as after. Is this correct? My story is a bit long winded. I started UC back in late 2015 but was suffering with depression, so I did the whole fit note thing and had a WCA in 2016 but was found fit for work as I had been trying anti-depressents which had given me a boost which coincided with the WCA. It didn't last much longer and I got worse, started getting sanctions for not meeting commitment. I eventually managed to persuade someone, somewhere that my condition was worse so should get a new WCA. I also managed to overturn some sanctions after this by providing fit notes and saying I had a new WCA on the way. However, as I still wasn't meeting the commitment they kept asking why I'd not met it and I said the same thing as before, that I was sending fit notes and waiting for the new WCA. I assumed that would be fine, as the sanctions had been overturned before because of this, but then one day I got about 7 letters through the door at once all saying I was being sanctioned for 91 days each, so about two years total. I thought it must be a mistake, so I was quite confident with the reconsideration request, but the decision maker phoned me up and told me the previous overturning of sanctions had not been correct and that the new 2 year sanction would remain. I was pretty defeated by this and clocked up more sanctions to hit the full 3 years because I wasn't managing to meet the commitment. Anyway, I had my new WCA in 2017 but was found fit for work again. I went ahead with the reconsideration and appeal and my tribunal hearing is coming up in a month. I seem to remember that my work coach had said after the first sanctions that a successful WCA would make the sanctions disappear, but now that I'm looking I can't seem to find anything that says that, and the more I think about it and look at the regulations the more I think it isn't correct and that winning at the appeal won't actually make any financial difference as I'm still under the sanctions from before the WCA. Anyone got a definitive answer? Any help much appreciated
  14. Hi All, I have a CCJ on my credit file which is due to come off in a few months. I am making monthly payments towards the debt which will remain unpaid once the CCJ is removed. Just looking for information in regards to what the DCA or the courts can do if i stop making payments once 6 years has elapsed. I still owe approx 2.5k which i cant clear anytime soon.
  15. Hi Looking for advice. Family members were visiting friends and paid and parked for 24 hours in a SIPs car park. placed the ticket on display several people could of been the driver of the said car, and then left before the 24 hour expiry. Today a a letter has been sent to the household house, from SIP stating the who ever was diving the car didn't pay or display a the ticket. NO notice was placed on the car on their return so this is the first that anybody was aware. infant the section on which they were parked its not even clear if SIPs have any right on this section. However there are signs on the entrance so a ticket was purchased. We are hopeful we still have the ticket in the vehicle but given its over 30+ days since the alleged "offence" took and this is the first notice of parking fine! Any advice on the next steps. As 2 of 4 potential drivers are students so £100 fine is a lot!
  16. Hi all, I received a County Court Claim (Northampton) 4 days ago for a couple of pre-1998 student loans that I'd successfully deferred until 2013 . My account was not in default at the time, but when Erudio took over, I decided to ignore their deferral form because of all the personal info they were demanding, and later because of all the stories I heard about their dodgy practices. long story short, I've never replied to any of their correspondence, but unfortunately I ignored a PAP from Drydens recently, and now I have a County Claim form. My address hasn't changed, but I'm guessing that they're going for a default judgement as I've never sent them anything. I intend to defend the claim, but not sure whether my ignoring their letters previously will look bad if it goes to court? Many thanks in advance for any help on this matter.
  17. Hi, My wife attended a company meeting at the Grand Harbour Hotel, Southampton back in May of this year. Her company booked a package that included complimentary parking and a member of the hotel staff was tasked with collecting VRN's from the attendees. Unfortunately, my wife (and another lady) were somehow missed out and, as a result, she received a PCN from Parkingeye. We have appealed to Parkingeye and through POPLA, but to no avail. We have also ignored their 'gesture of goodwill' offer for us to pay £60 instead of £100. The hotel has stated, by emails on two separate occasions, that the PCN has been cancelled. However, the emails are from an intermediary member of the hotel staff and not the person who has, apparently, contacted Parkingeye. So we do not have copies of the communication to Parkingeye, or their response. We also have a copy of the hotel function sheet for that event which clearly states free parking. We received a 'Letter Before County Court Claim' from Parkingeye dated 31 October 2018, which we have responded to (in my wife's name but with my assistance). We acknowledged receipt of their letter and stated that we dispute the claim, re-stating our reasons why. My wife is due to attend another event at the same hotel next week and we are hoping that, with her being there in person, she stands a better chance of getting the information we need from the hotel concerning their PCN cancellation request. Apologies for tagging this on to another post earlier today I understand the need to start a new thread now. Any advice and guidance would be very much appreciated.
  18. I have just received demands for final balances, gas and electric, after moving out 4 years ago. Firstly I did give final readings, as my ex LL was a problem, I also transferred my accounts to my new address, and still at the same address. I can't remember if I got final bills from that long ago. The demands I've received state they have tried contacting me several times, and that I have 28 days to pay or the will register defaults on my credit file! Any advice, I have emailed a complaint to them.
  19. Hi, My Dad received a claim form with an issue date 1st November. AOS entered on internet. Says service date 8th Novemver. (they sent POC separately) Claim form amount is £35 more than owed amount, even their evidence shows original amount. (This is not including fees and costs). Background. Service charge (not disputed). Offer of £20 a week offered in August, was rejected. Offer of complete amount by family to extinguish burden by letter (The defendant is a disabled OAP) on 5th October. Heard nothing back. It should be noted the defendant tried to contact the claimant to settle many times but they wouldn't talk to him anymore. N1 received as above. Tried phoning claimant again, "not there, they will call you back". Never did. Phoned solicitors, they won't budge. Want the (wrong) amount plus fees, costs and interest. I'm bewildered by their behaviour. This is a large and very well known landlord in Kent. The issue of liability is not in question. P.S. It should be noted that had they accepted the offer of £20 a week it would have extinguished the debt before the date of issue!
  20. Hi hope you can help I have just received a response to a sb letter I sent to PRA Group in Nov 2018. Should I be getting the following correspondence from them? They have replied with a letter dated 10 days after my sb letter to them as follows: My current address Dear xxxxx Reference : xxxx I write with regards to your recent correspondence regarding the above referenced account. Unfortunately we are unable to fulfil your request as we have not yet completed the required security checks in order to verify your identity The information we require is as follows- Full name Date of birth Previous address and postcode You can contact us via letter or telephone our office on 0800 877 872 to complete the checks we are required to make, in line with the Data Protection Act 2018. Upon confirmation of the above details , we will endeavour to respond to your request as soon as possible. Yours sincerely xxxxxx Title of person who sent letter etc.' The sb letter I sent to PRA group has been retuned together with the letter above in the same envelope. PRA group called my mobile this morning but I ignored it and didn't answer because the number was unrecognisable at the time. I later googled it and found out that the number calling me was PRA group. Look forward to your response and thanks in advance.
  21. When I was caught using my mom's freedom pass, 'the caution' was read to me AFTER I answered all the questions and was asked to sign the notes. I was NOT asked to review the notes just to sign. Is it how it is supposed to be done? After the questions and my signature the caution followed and I just felt sick. The officer offered free legal advice but I refused because I was mentally and physically unable to continue. Can I still request free legal advice should I go to court? I think I wasnÂ’t informed that I DID NOT have to answer the questions WITHOUT legal adviser. My mind is pretty fuzzy on the above but this is what I remember. In hindsight I would have answered everything with a free lawyer but to be honest I think I answered everything truthfully anyway... but: Was the caution read to me legally in this order? Should I mention it in my apology letter? With a case number saying to fill in the form on the reverse of the letter with plead guilty or not guilty within 10 days – no intention to prosecute yet. I intend to plead guilty because I did commit this offence. If I accept committing the offence I need to provide any exceptional reasons as to why they should not prosecute me. They stopped me just after I crossed the tube gates at Northolt station so I didn't have a chance to actually make any journey. After all the questioning they let me out and I went back in using my credit card. I only have 4 days to reply as I only received it today (I was checking the post ever since the incident – it took them only 4 days to write it to me – is it a bad sign?) so I only have a week to reply L. So please can you help me understand: What the legal consequences will be? I am talking about worst case scenario. I am pretty sure I will be prosecuted, will be given a criminal record, huge fine (how much do you think?) but will not be jailed as this is my first offence? Or am I wrong and can get to prison? Will my employer need to know? Will I get fired? If this happens can I appeal and how? [*]My exceptional reasons (I guess these are the mitigating circumstances) is my mental illness. I have suffered from depression, anxiety, associated disorders and side effects caused by being on antidepressants for about 10 years – all is GP documented. As a result I have suffered from frequent serious disorders – just imagine the worst for a depressed person as I donÂ’t feel like providing such details. In addition I recently started a therapy to stop smoking and the side effects of the medicine are severe and are not helping my mental state. Especially the last 2 years have been very hard for me, I lost my job, my person life crumbled, I had difficulty getting out of bed and so onÂ… and finally 3 weeks ago I found a job (which again added a lot of stress as I want to keep it at all costs) and I was caught only after 2 weeks of working. [*]I was asked if it was my first time: I honestly donÂ’t know and this is what I answered. My mom and I keep exchanging bags and stuff and I have been too stressed out to check which card I had in my bag – they have the same cases. So the worst case scenario is that I have been using it since January/February this year but irregularly like 1-3 times a week or weeks of not using it at all. [*]‘the cautionÂ’ Was read to me after I answered all the questions and was asked to sign the notes. I was not asked to review the notes just to sign. Later came the caution and I just felt sick. He offered free legal advice but I refused because I was mentally and physically unable to continue. I think I wasnÂ’t informed that I didnÂ’t have to answer the questions without legal adviser. My mind is pretty fuzzy on the above but this is what I remember. In hindsight I would have answered everything with a free lawyer but to be honest I think I answered everything truthfully anyway but: Was the caution read to me legally in this order? I.e. after I answered all the questions and was asked to sign the notes without reviewing them? ​ [*]Apology letter I intend to write everything that happened, the card/bag mix up, my mental issues, plead guilty, apologise, ask not to be prosecuted, not to get a criminal record, settle out of court, offer the payment of all the associated fees and penalty etc. Does it sound right? Should I add something about the caution that to me should have been read at the beginning? Should I add anything else to help my case? ​ Thank you very much for reading this! As you can imagine I am losing my mind, I am scared, terrified I overmedicate so that I donÂ’t have to thinkÂ… any words of wisdom will help so please, I am begging you help me if you can.
  22. I bought a used car from a local independent dealership on 11th June this year for £5200 (Nissan Qashqai). It's been a good car since i bought it up until 2 days ago when the CD player stopped playing CDs (it's a 6 CD changer) and then yesterday when the car went into 'limp' mode when driving home. I called the AA who diagnosed a fault with the turbo and towed me to the car dealership. As it was late on a Sunday evening i left the car outside the dealership and returned there this morning at 8.30am to hand over the keys, explain the situation and ask for a repair. The reason i am posting this is that one of the chaps in the office asked if i had paid for their warranty (i hadn't) and said i've therefore just got the basic warranty (up to £300 limit for repairs i think). I replied that i was wanting it repair under the Consumer Sales Act. He made a reply along the lines that it was not applicable to this situation and then walked off. I continued to deal with the other chap in the office, gave him the key and my contact number, He said they'd contact me later today once it's been looked at. I'm just slightly concerned that the dealer might not play ball and get it repaired. I sent an email to the dealer half an hour later confirming the timeline of purchase and when the faults occurred (both the CD player and the turbo) and confirming that i am requesting a repair. I also enclosed a copy of the AA's report from when the recovered the car. Is there anything specific that i need to do in the meantime? If they reply that they want me to contribute to repair costs, i am right that i can demand they cover it completely under CRA rather than warranty?
  23. Armed forces pay award 2018 - extra payments for personnel that left the armed forces after 1 April 2018 READ MORE HERE: https://www.gov.uk/government/news/armed-forces-pay-award-2018-extra-payments-for-personnel-that-left-the-armed-forces-after-1-april-2018
  24. Hi. Parked at a Southern railway rail station today and used the phone number to pay the daily charge . I had used it before but with a different car and the system recognised my phone number did a fast track to payment confirmation . I didn't spot that the registration number quoted by their system was not that of the car I was using today (lot of background noise in the car park). There was a penalty notice issued by Indigo when I returned. What are the chances of success if I appeal? I can prove that I own both cars and that the one for whom they issued the ticket was not there today (it's in a garage for repair). Any tips on how to phrase the appeal in such a case? Thanks
  25. Hi, I find myself in a difficult situation. I was diagnosed with sleep apnea 10 years ago and then issued with a cpap device. I was never told at the time by my Gp who referred me or by the hospital consultant that I had to report this directly to dvla. I assumed as it was controlled everything was ok. Recently I had an issue with sleep apnea being uncontrolled. my machine had a problem which has been replaced with one that wirelessly reports data to the hospital. They say sleep apnea is now controlled again. So far so good, again no mention of Dvla. Recently though going through a complaint with my GP (different matter) who referred me to the sleep clinic, its been said about reporting my condition to DVLA. Im now worried after 10 years of not reporting I'm in deep hot water. Any advice on how to tackle this? Im hearing horror stories of DVLA revoking licences etc. I will be ringing the sleep clinic at my hospital tomorrow to get some kind of evidence of my current machine readings to prove the condition is controlled.
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