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  1. Hello I hope I can get advice. I took out a secured loan in January 2002 for 8000. I obtained the loan through dial4aloan. The loan was arranged and the lender was endeavour. It appears I also was sold ppi of 1200 added to the loan. Well I am trying to reclaim the ppi. However all organisations are blaming each other for selling it. Dial 4 a loan state they only recommended ppi. Yet the ppi policy is on endeavour paper. Aviva say they have no responsibility either. So what happens when no one will accept responsibility? Thank
  2. Looking for help with claim against Royal Mail in small claims. They admitted to losing my 'signed for' package, but then failed to reply further or compensate me. Four months afterwards, I issued Small Claims writ and they sent me standard letter and standard cheque for compensation two weeks later. They have put through their defence which from reading other threads is the same they always use, ie: 1. No contract was entered into between parties for the delivery of the parcel (they mention Harold Stephen & Co V's RM 1978 as reference). 2. The defendant has immunit
  3. CMA secures court order against viagogo READ MORE HERE: https://www.gov.uk/government/news/cma-secures-court-order-against-viagogo
  4. Not sure if this is the right sub-forum, but would appreciate some advice regarding the following. My wife and I purchased some lighting from a specialist online/high street retailer a few months ago...which was done as follows. The company sell lights/lamps from various Manufacturers on their website, which are not bespoke in any way (they are not custom made/made to our specification...they are simply lamps/lights like any other customer could buy). After receiving an initial quote from the company via email for some items we were interested in, we changed the items a few t
  5. Hi guys would like some advice please and will try to make this post as short as possible. 1. In may this year the EPS light came on my Kia cee'd 09 plate. Took it to the Kia garage and was told the steering rack needed replacing which they did at a cost of £800. 2. On Monday the EPS light came back on again and on Tuesday I took it back to the Kia garage. Wednesday I got a phone call to say the steering column now needed replacing at a cost of £1800 plus vat. I told them to not do anything and I would collect the car. 3. When I got there I asked if the problem in may was actual
  6. Hi to everyone, this is my first post here but I have been reading this forum for years and up till now have got most of what I needed by reading but this time I could do with a bit of help. Hi and sorry if this is in the wrong thread, I tried to look where to place it but this seemed the closest I could find. I own a freehold flat that was originally leasehold but I purchased the freehold several years ago. I pay a service charge to Warwick estates every 6 months A few years back I moved to live with my partner but still kept the flat and because of this I ended up forgettin
  7. Hi guys just wondering if I can get some help. I have issue a claim against amazon and their solicitors have emailed me stating the following: However I am sure I sent them what should be counted as a separate detailed particulars. First I sent amazon my money claim online form in pdf format within the post along with a separate detailed particulars detailing why I have raised the claim against them by first class post stating the following: Would this count as a separate detailed particulars as I sent this to the solicitors who are dealing on behalf on amazon v
  8. Hi, new user here but long time browser. I am after some advice on a situation I am currently involved in... On 30/04/2018, I was driving home with my wife and 22 month child in my 2016 Audi A4 which has done 19,500 on the clock. Whilst driving, I lose control as if I had burst my tyre and upon regaining control and parking, I inspect the car to find the front passenger wishbone snapped off. The car was towed back to Audi in Coventry to be inspected and I was informed that I must have hit something as there was under tray damage as well as to the gear box liner. The issue is th
  9. I cannot believe how useless FOS is: Investigator ruled against me because I must have accepted an online question that I wanted PPI: he sent me screenshots of questions re PPI but not my screenshots since i never seen them before. my gdpr did not contain them, my cca regulated agreement contained nothing about ppi… he says fos is not interested in cca agreement or what is in gdpr … cca is a matter for fca.. not fos disgraceful appalling service... i feel a need to complain about this investigator i have sent an email complaining about the fos guy e
  10. For anyone facing court action regarding this car park, be advised that Excel parking is deemed to be the Creditor .. the legal entity entitled to enforce parking charges and legal action. Excel have a contract with the landowner. Any legal action launched by VCS is not relevant in law as they have no contract with landowner and are not the Creditor. They are a separate legal entity. If you are facing court action from VCS use this as your defence.
  11. Good evening CAG, I am new to this site but I must say that I have heard how fantastic you are at helping, so, I am hoping you could point me in the right direction. I have received a claim form from Northampton which has been issued by Cabot Financial. Now they say that I owe money to Moneyway (a loan) and give an account number but, it has been issued to me in my maiden name which I have not used since 2007. Now, I dont ever remember taking a loan with a company called Moneyway so I am pretty amazed at this, let alone using a name I havent been known by for a number of
  12. Hello, Old user, new issue : Where do i post HMRC issues please? Its regrading old tax penalties from 200-2002 reclaimed against last 2 years accounts as a self employed person resulting in loss of approx 5k
  13. Hi I posted a few months ago about chasing old PPI and this particular one is very long winded dating back over two years. Its particularly interesting because they admit PPI on a business overdraft but wont pay it back and more importantly they continued to take money from a totally unrelated separate personal joint account for two years without my permission(though they have paid me that back) Scores of letters but I have uploaded the relevant ones here for your help. I discovered PPI on a business account and asked them to repay me to which they refused saying I had sig
  14. Hi, new here, apologies if i have post in the wrong place. i need legal assistance to write up a claim against a high street bank. Never in my life have i met a company like it. Deny, delay, deceive and shift liability at all costs seems to be the tactics at play. Brief back ground. 2007 i re mortgage to a tracker mortgage 2009 i start getting letters stating my two year tracker mortgage is coming to an end alarmed at this news, i called bank to notify them of my own change in circumstances i was now on ESA DLA etc due to illness, and, to challenge the idea
  15. New medal unveiled to recognise the fight against Daesh READ MORE HERE: https://www.gov.uk/government/news/new-medal-unveiled-to-recognise-the-fight-against-daesh
  16. Hi all, Santander have made an offer based only on the PPI amount and associated interest and no interest because... 'On a rolling line of credit account 8% out of pocket interest is only applied if the loan would have had a credit balance had the PPI not been included. ... This is in line with the requirements of the FOS and FCA' I believe this to be complete nonsense: I take a restitution approach with unjust enrichment. Had I had the PPI amount then I could have invested it and gained at least 8% interest. Has anyone challenged this and been succesful? Do you agree wit
  17. I filed a formal complaint with H and T yesterday, I was approved for a loan despite having 22 defaults on my credit file, all for high cost borrowing... I remember applying for the loan and an agent calling me back telling me to change my outgoings as they were too much. Claim filed yesterday.........received this reply today, Hello, Thank you for your email. I am unfortunately only able to find Pledge loans in your name. Regards and that was it basically
  18. Firstly i will say hello and thank you for any help i obtain here the basics of what i had are a ppi policy for a car loan with welcome finance from march 1999 i have a copy of the loan agreement i have tried to claim against welcome but have been told to pursue the underwriter i have contacted the underwriter ( a bit confusing Lloyds say they weren't the underwriter but admitted the would pay out the policy if it had been claimed against and said jubilee group were the underwriter which have replied on behalf of lloyds i have had much correspondence from Lloyds mos
  19. Hi, I had an account with Natwest, which was shut down about 6 years ago. At the time, I had my Overdraft of £1800 (all owed), a loan for £1000 (£897 remaining), and one for £5000 (£3976 remaining). Due to my financial issues due to illness, I'd had to live off what little credit I had, and after a few months of being unable to keep above the maximum 1800 Overdraft (frequently going to £2000 when bills hit) my account was closed Following this, I was taken to court and something (I forget the technical term now, sorry) was put on my house so that when sold, my ou
  20. HELP!!!!!! Please ....... My 16yr old son went through a bus lane back in November 2017 on his motorcycle, the first we knew about it was when we received an notice of enforcement totalling £175 through the post from Marston’s on 29th March 2018 but the letter was giving us until 25th March to get in touch for a payment arrangement. We rang them and explained that this had been received after the date to come to an arrangement and this is the first time we had known about the fine. They were most unhelpful saying that the full amount needed to be paid to stop further action. I asked fo
  21. Hello, I wonder if anyone may be able to help me please. I bought a flight in Dec 16 from Citi Flights, flying from London to Thailand. I flew out on the outbound flight but the airline cancelled my flight home. They left me stranded in Thailand with no other option but to purchase a new ticket home. I have been battling with them ever since and they have said that Citi Flights had no authorisation to sell me the ticket in the first place and it was a fraudulent transaction. Citi Flights have said that the issue is with Turkish Airlines and not them and if they weren't allowe
  22. I am writing this on behalf of someone else. Where i use the words me i or us means the person involved. Not me. I was employed as a mobile with a well known security company. My main job was to respond to alarms and deal with them. When i started my job off i was told that i was on a gauranteed 24 hour contract (weekly). I was not given any paperwork apart from some paperwork to show how and what i should be doing. I was told be my manager that i would recieve my contract in the post during the next 4-6 weeks. I also emailed my manager and he confirmed that i h
  23. If anyone could help I’d appreciate it, We went to Birmingham to collect a friend and driving down to the 30 minute free wait the car started to jerk and pull the engine management light came on. Which forced us to pull over as was not safe to continue. We clocked their sign saying no stopping to collect or drop off. We never did we in fact stopped for two minutes maximum. Enough time to switch the engine off an start it again. The engine management light stayed on but the car seemed a slight rough but wasnt pulling or jerking. We drove up an down for a while the
  24. Hi everyone out there. I am seeking a quick bit of advice; and will try to make this as short as possible. On 2/7/2017 I got a Parking charge in the form of a letter (relevant),from Parking Control Management (PCM). The claim was that I had not paid a PCN they'd issued and they want £100. Two initial issues: (1) I did not receive any prior notice - eg stuck to the car. (2) This was likely due to the fact that I had never been anywhere near the place they claimed I was wrongly parked. I googled the place and discovered that it is a block of flats some 5 miles away manage
  25. Aplogies as an absolute newbie here, however I was asked to create a new thread. There is another recent thread (I can't post links, maybe someone else could as seems daft to recreate a whole heap of stuff). I am in the identical situation at the same location I have just received an identical letter from UKCPS, all details completely as the above mentioned thread (same paperwork). My wife was driving my car that day, obviously she didn't spot any signage etc. 28 minutes over a 4hr limit..... Disgusted that companies can request such 'fees', she is disabled (was parked in
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