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  1. I am having a right nightmare with Kensington mortgage company and need some much appreciated help . I had a suspended possession order granted in oct 2007 as I had lost my job at the nhs and my wife business had collapsed the suspended possession order was issued in oct 2007 for my monthly payment plus £50.00 i think i need to dig it out as it was nearly 6 years ago i will post later the exact amount I have been making payments over the last few years to Kensington but also built up massive arrears on my council tax and second secure loan with welcome finance at the
  2. Hi all, So after being left alone for more than 4 years despite their view that I'd be fully recovered from my genetic condition in 2 years, the dreaded envelope finally landed on the doormat this morninng. Absolutely perfect timing as it's been hanging around in the ether for 6 days so I basically have 3 weeks to return it with a family reunion event this weekend, my son's wedding the following weekend previewed by various family members arriving and wanting entertaining and followed by a 2 week holiday - we get back 2 days after the form is supposed to be in, and whilst we're away
  3. The other half's PIP is not due for renewal till next year (the end of april I believe it is) however he got a phonecall last week to say he hadn't replied to a letter he had never received saying he was to go for assessment. Now I'm raging about that to say the least as they are not supposed to contact him by phone on instruction of myself and his GP but that's a different issue. We are obviously going to have all the same issues we had a few years ago with regards to him getting a home assessment rather than going to the assessment centre. And given their 'health professional' apparentl
  4. Hi, I'm new to the forum, but have been a long time lurker. First of all apologies for how long winded this is, but I hope I include all the relevant information. Alleged card debt from card taken out in 1998. Alleged debt approx £5k. Card sold to IDEM Capital Securities August 2012 Alleged Card default August 2013. Idem Capital Securities assigned alleged debt to Arrow Global November 2015 About three years ago I received multiple claims for alleged credit card debts, and with the help of this forum managed to get one claim dropped and ended, one victory in court
  5. hi all, i am in a bit of a panic with this lot and hoped someone can tell me how Blemain function with there charges, ,i have two secured loan accounts around 4 years ago i fell behind with payments, i have since cleared this up however it has left me with charges of £1000 on each account which are collecting interest. i phoned them today because at minimum i really need to cover the interest at least to stop them increasing, if i make a normal payment via online it wont come off the charges it comes off the account balance, this was said today over the phone, i h
  6. Folks, Long time since I've been on the CAG. I have had a couple of issues sorted with the help of this site, and I'm very grateful for the support so far. I am now wanting to end another 2 barclaycard accounts, which has balance amounting to 15K in total. One of these (the largest) is an old morgan stanley card bought by barclaycard few years ago. The balance was built up very quickly when the account was opened (circa 2004), and I have managed minimum repayments for many many years. Those are more than £200 a month. I have certainly paid well over 20K on tha
  7. One year on and they have been charging me for some months. This time I kept all statements and sent off prelim in September. Just sent lba off to discover they had written to me (got letter late) saying we settled in January 2008 and they regard the matter as closed. Nice try but I still have old spreadsheet when I end up filing (just to prove I'm not stupidly claiming twice) and I'm going for contractual again. It is almost £200 now without the court costs. Will they pay up any sooner than last time or shall I see pigs in the sky? It will work out at 6 months in
  8. Hi Guys, Need some help i was on DLA mobility low rate which was due to review December 2019. My GP referred to community health support worker who advised me to apply for PIP as i have high chances getting care and mobility higher rate than low rate mobility due to my mental and physical illness. I was little bit hesitant as i heard a lot of horror stories about PIP rejection rate. Anyways my health support worker rang DWP and arranged a home visit to fill the PIP form. A lady from DWP came to my house on 13th August 2018 and filled all the paper work and contacted DW
  9. Ill start by stating i have never had any dealings with Lloyds Bank in my life but they have registered accounts on my credit report. There is two accounts on my file one mortgage for an address which is not mine and also a credit card again which is not mine. The mortgage is in serious arrears and the credit card is listed as defaulted.I am also receiving debt collection letters. I have had problems with Lloyds in 2010 - 13 where they also had a CCJ against me. They also sent a letter from there solicitors to my address stating i was a fraudster. (see attachment) I ma
  10. Morning everyone. My wife this time receives the attached. The ticket was placed very carefully on the dashtop correct side up. Whats the best way forward please. Many thanks CCF14062018_00000.pdf
  11. Hi guys just hoping for a little advice. First off I will give you a little background I am disabled and have congenital spinal deformities etc I was Medically retired by Her Majesties government back in 2009 due to my condition serverly worsening etc. in 2016 I had an op on my spinal cord because to release certain nerves etc and the day after my release had to go for a medical for the DWP, passed that but then 4 - 5 months later had to go for another , again another 5- 6 months later into 2017 had to go for another again passed that . Yet again they have decide to
  12. I joined the Swansea branch during 2014 and am certain that I went down to the branch, filled out the cancellation forms and cancelled the membership before I left. I've only just now been going through my financial statements and it turns out even after 3 years Harlands are still charging me the £9.99 a month. I am trying at present to cancel my membership once again through the online cancellation form on the website of xercise 4 less; but I keep getting runtime error. There is no way for me that i can see to contact either group through emails. I also cannot login throug
  13. Its a long first post, but please bear with me...desperate? In 2001 i had a major epileptic seizure while at work, i have never had a seizure before and was taken to hospital.(where i spent the next 4 days) Over the next 6/12 months i was having quite a lot of tests done to see what brought on this seizure. In 2002 my wife and i bought our ex-council property,when we took out this mortgage we took out PPI i disclosed my illness which hadnt stopped me from working, and the seizures were now only partial and unfrequent there was no pattern to them at all. I was perhaps having ma
  14. Hi. I'm in a similar boat to others. I was stupid not to read the small print and cancelled my gym membership in December 2017. Since then I've been plagued by calls and texts and now electronic messaged left on my voicemail. I am tempted to write to CRS but am reluctant to start. I'm wary of giving them my address but I'm sure Xercise4less must have it as I had a contract with them. I think my fees are now up to about £200!! Should I continue to ignore it or send them a letter asking them to stop? Thanks in advance for advice
  15. Yet another dissatisfied customer. I live in France and because bedding is so dear here ordered a mattress in January delivered to my daughter in the UK. I'd already found the Shiply site and had a quote. Of course, the mattress was collected but never delivered and I am £600 out of pocket. Small beer compared to some of the complaints here, but just another reason never to go near them. ETA I have discussed at length the problem with my bank today and they were most interested to hear of the 18 pages of complaints here. They say they are reviewing the company's acceptance as a supplie
  16. Hi, I have been looking at the various info in the various threads and was hoping that someone could confirm or even advise if I have got the process correct. Some 12 weeks ago I had an ATOS 'assessment' which was to move me over to ESA from Incapacity Benefit and have today been notified that I have been placed in the ESA WRAG Group. I know having read all the guides on filling in the forms that I would/should score 15 points on one condition alone thus meeting the Support Group criteria, so I now intend to seek a reassessment of the decision. So my steps should be: Phone and
  17. hi, i had a membership with xercise4less in late 2014/early2015. i was sold this membership with the understanding that there was no contract and that it was a flat rate of 9.99 per month and that cancellation was simple. i used the gym for a few months and then was due to be out of the country for the best part of a year on ops at with work. i called the gym and asked if i could cancel my direct debit and that id restart when i got home. i was told that this wasnt an issue and my membership was terminated and that was that. a few months later i realised that the
  18. Hi i need help. I applied to take my employer (major big employer) to employment tribunal. Their 28 days to respond was up today. I rang the tribunal centre before they shut at 5pm and they said to their knowledge they had not recieved anything from the respondent. They said it was possible if theyd only sent it this afternoon they might not have picked it up so check next week. If they have not responded they can apply to extend the deadline? In what circumstances can they extend it? Ive read that they dont even have to say why they did not respond? I don
  19. Came home to a letter dated 1/9/17 from Excel informing me my "account" has been passed to BW legal, and a letter dated 1/9/17 from BW legal stating same. It's an ANPR PCN, date of contravention 25/6/17, contravention - "parked without purchasing a valid pay & display ticket", location - Peel Centre Pay & Display Car Park Stockport, balance due £160 (£100 PCN charge plus Excel's "initial legal costs of £60", ha ha, very funny). "As you have failed to make a payment or raise an appeal within 28 days from the date of the PCN, the Balance Due remains outstanding and we require paymen
  20. A mate has had a "Pre Legal Assessment " letter from lowlifes, I was told account was Cap One card opened around 2001 via post due to job loss nothing apart from token £1 paid from 2010, for a year or so until C1 stopped them from being able to make online payments, they then phoned them constantly asking for payments, given to Lowell in 2014 whereupon it appears they added their own default. I think the balance of around £3.6K is chock full of charges and late payment fees. Would SAR to Cap1 help establish original default date, and what are lowlifes chan
  21. Have received a letter from MMF addressing me by my former surname (renounced in 2009). "We write further to our previous communications [blah blah] yet to receive a reply. If you have more than one account with us, you will find the breakdown enclosed." I have received no previous communications regarding the customer reference number given, there is no breakdown of the alleged debt, nor even a hint as to who the original creditor might be. The "balance" (£350.00) is also suspiciously nice and neat. I've dealt with these muppets before when they re-defaulted me for a fictitious
  22. Hi folks. Just a quick one. I've recently been made redundant, and Rosendale's bailiffs are swift on their heels coming to collect debts. The problem is I owe money to three creditors: HMRC, a parking fine, and a court fine. Rosendales are collecting the debts on behalf of all three clients. My question is, is this allowed? I thought a single agency can only chase an individual for the debts of one client; or have I misconstrued information somewhere? We're struggling terribly financially at the moment and Rosendale's agents are visiting at least once or twice a week. Three diff
  23. Just a quickie I think: I'm preparing WS for my wife to be issued tomorrow, Lowell (J D Williams) 1. Agreement sent has no date, credit limit or signature 2. Agreement is for Fashion World not JDW 3. T&C's are for Ambrose Wilson not JDW or FW 4. T&C's are dated 24/05/10 5. The above does not correspond to the agreement. 6. Lowell are unable to lace original default notice so no proof one was even issued correctly. Are these issues valid in our defence. Any thoughts? Debt is for £400 and court date set for July. Thanks
  24. This is not for me but for my ex partner In 2013 she got a claim form for on old Three debt (sent to my address she she had not lived for 12 plus years) I helped her with the claim form and to cut the story short she went into mediation and agreed a settlement. Which she paid by DD to the account as specified by Lowell/Howard Cohen. So all paid up and completed, no CCJ, no action, no more letters. Now jump forward to 2017, letters start coming through my letter box from Lowell for her, which I pass on. They claim the debt is still owed, they have CCJ and no
  25. Hello all- I've been reading a million MBNA related postings and while I broadly get the jist, I am really looking for a concise 'step by step' action plan. I have had an MBNA card for many years (probably 15 ish in total). The credit limit (was) high and the balance has gone up and down. Around 7 years ago, I foolishly injected cash into my company with the card as a 'temporary' cashflow prop. I never repaid the sum but continued to pay the minimum payment (the company failed a few years ago). Last month, a payment was missed - genuine stupid error while I
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