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Found 164 results

  1. Environment Agency seeks Boaters’ views sought in consultation on proposed charges READ MORE HERE: https://www.gov.uk/government/news/boaters-views-sought-in-consultation-on-proposed-charges
  2. Hello newbie here, My Husband & I have been dealing with a Debt Collection Agency SMD Credit Solutions Ltd since April to collect a Debt owed to our Company since November last year. A little background: We were owed £38k and the debt was in dispute by the company who owed us. This was construction industry dispute where we worked for contractor (2) who was working for main contractor (1). Main Contractor (1) refused to pay contractor (2) citing poor workmanship therefore contractor refused to pay us. So it was quite in depth but it was being dragged out and being a small company we needed to get a resolution. SMD cold called us but it just so happened we were in the process of looking for an agency after them phoning us everyday for weeks trying to persuade us to agree for them to take the debt on we agreed. We had lengthy discussions about the whole case and we were upfront about everything before we even agreed for them to take on the debt. We knew it wouldn't be straight forward so wanted someone who knew what they were doing. They wanted to charge £2000 + VAT for a reg fee but we simply couldn't afford that so they dropped it to £1000 + VAT payable in 2 instalments. After we agreed we sent them all documentation regarding the debt including invoices owed, purchase orders we received, emails and a report from the main contractor (1). Needless to say SMD were useless, they never answered or return our phone calls, they never returned or answered my emails. In their initial 'guarantee email' they claimed to keep you updated every step of the way and give you a full refund of the reg fee if they don't at least recover the cost of the reg fee. Eventually after quite a few weeks I was emailed and told that SMD had had to obtain legal advice on our behalf and had to pay out in excess of £3000 in order to do so. After weeks of getting nowhere and no answers SMD finally advised us in mid June to set up a meeting with Contractor 2 and main contractor 1 and thrash out what we could get paid. We advised them that we would look for an alternative agency who was specialised in Construction industry disputes and we would like our reg fee returned to which we received no reply and no refund. We then received the official In Administration letter from contractor (2), and I left a negative review on SMD company facebook page. Nothing defamatory or untrue just stating our disappointing experience and that I would not recommend them. Oh and I hope they don't keep telling people about their 100% success rate which is what they said to us. Today I get an email from them saying that unless I remove the comment they will charge us £10,000 (10 x the reg fee) plus the £4000 costs as per their T&C's. They claim we mispresented the debt by not telling about the report Can they do that? Sorry for the long post
  3. I was on repayment plan with Uncle Buck paying £20.00/ Month and always on time, anything missed (3 payments already) now I received this email We have reviewed your account and currently our recommendation will be to either instruct an external debt collection agency to collect your outstanding debt or pass your details to an external litigation company who may instigate legal proceedings in the form of a County Court Judgement, Third Party Debt Order, Attachment of Earnings or Bailiff Enforcement. You will receive further communication about the course of action we intend to take within the next 7 days. We also have plenty of ways for you to make your missed payment. The fastest way you can do this, is by using one of the options below: Visit our payment portal here. Or login to your customer login portal here. Alternatively, you can telephone our automated payment line on 01959 543400 and choose option 2 and follow the instructions If you would prefer to speak to a member of the team, all you need to do is call us on 01959 543400 and choose option 3. We do not want to take this form of action, we would prefer you to speak to us and discuss a way forward so please contact us immediately. You can also provide us with a copy of your income and expenditure via our website. It’s so simple, just visit our Budget Planner page and once completed we will be in contact. “ Why they doing this if I was repaying? Outstanding 180.00£ no problems never with my payments
  4. Good evening all, First time posting here and I'll try include everything in this message. I would really appreciate anyone's help on this matter. I sold an item on eBay and the buyer claimed back even though I sent proof of postage, it was a signed for service but I do not have their signature but tracking shows the item as being delivered. They didn't accept my case. PayPal didn't care as the initial case was with eBay. My PayPal account was in minus for a sum of £900 for around a month and a half, PayPal wouldn't listen to me just kept forcing me to pay even though I didn't have the funds to. Last week I kept receiving phone calls from a random number and 2 days ago I received a letter from Wescot. They claim they are acting on behalf of their client to recover the initial sum (no added fees or charges). How do I proceed? I don't intend to pay as I've been robbed of a laptop and my money. Couldn't care less about them limiting my PayPal account either to be honest. I've read loads of forums about the 3 letter process. I found templates on [removed] do you advise I do this? I don't really want any of these people carrying on chasing me. If I send these letters will I still have the option of entering a repayment plan if they still keep pestering me? I've not made any contact with them as of yet. Just need some advice. If you require more information I will happily provide. Thank you.
  5. Dear sir, Will be very grateful if you can help me regarding unreasonable charges levied against me for not paying service charge ,reserve fund and service charge deficit fees. I agreed to pay the original charge in 3 instalments which was agreed to by the management company HML Anderton in september 2017 . I failed to make the last 2 instalments which were due in february and march 2018 for 500 pounds and 490 pounds becaue I forgot . They claimed to have sent me a reminder letters which I never received. I have now received a letter from PDC property debt collection company dating 26 april 2018 with the following charges Service charge - 670.33 Reserve fund - 390 service charge deficit - 45.67 Reffereal fee - 300 managment fees - 96.00 PDC instruction fees - 240 PDC additional costs - 10 I called PDC to make payment of what I initial owed of service charge,reserve fund and service charge deficit which was 1106.00 but they refused and wanted a payment of 1751.90. Can please advice how I go about this . The letter sent to me includes 1. register of title 2. information sheet 3. reply form Have filled the reply form saying am only prepared to pay what i owe and need an explanation for unreasonable fees added. will appreciate the help Regards, Dennis
  6. Hi. I set up a payment plan for a £300 council tax debt. Managed to pay the first instalment (£20), but due to lack of money missed the second payment. Just had a Schedule 12 Taking Control of Goods letter delivered. They also added £235 for the enforcement fee. Is it possible to contact the council again and renegotiate, and avoid dealing with the bailiff? I also have a motor vehicle outside (old car worth under £500) . I take it's a good idea to park it elsewhere? I'm keeping the doors/windows closed, and refuse to answer the door. But my main concern is that they'll force their way in. Will this happen? Thanks.
  7. THREAD NOTE: the OP talks of a CCJ this is infact a DEFAULT MARKER ignore the reference to it being a CCJ. dx - siteteam ........................................................... Hi All, the is my forst post on CAG. I have a question, which im hoping the community will be able to advice me on if it is legal, and if not the steps to take to resolve this. 7 and a half years ago, i split with my X wife, which was quite a bitter split. In her wisdom, when we split and put the marital home up for sale, a few weeks later my x wife took the house off the market, stating i had never asked for her permission to sell the house, and she refused to sell the house even though she had moved out when we split. Consuquetly, the house was repossed and a CCJ was rejistered against me. I did try and come to an amicable agreement with the Natwest where by i was responsible for half the debt (£16,800), and my x wife was responsible for the other half, and once my half was paid off it would show as settled on my record, which they rejected. So, i thought i would wait out the 6 years, for the CCJ to expire. During this time we have moved twice, and i have not received any letter from anyone for about 2 years relating to the CCJ, so im actually unsure who actually own's the debt (Natwest or DCA) The debt did expire on May 31st 2013, and did 'dissapear' off my credit file. I pay a monthly subscription to experian so regually check my file. Last week the payments started showing again on my credt file as 6 months in arrears and deliquent. After alot of research i was under the impression that once the CCJ had expired after 6 years, that was that, unless of course they tried to re-rejister to the courts for a CCJ. Im thinking of getting legal advice, however before going through the cost i thought i'd see what my options are on here. So my questions are: 1. Is it true the Natwest or any DCA can rejister these late payments that have just appeared on my Credit Report after the six years 2. If not, what are my options to have these removed from my credit file? We where hoping to buy a new house in the next 6 months, however that is going to be impossible with this on my file All help is VERY greatfully apreciated in advance
  8. I hope I can explain this so you understand, My mother past away on the 30th of January 2018. Pension was originally paid to my father until his death where a part pension was then paid to my mother. She was until 20 months ago receiving the pension payment that was stopped by Capita because they didn’t receive a response to a letter they sent her. I guess it was a prove your still alive letter but that’s just a guess on my part. County Council social services department contacted Capita to inquire as to the missing payments and they advised that a family member needed to send a change of address to capita which was done on a couple of occasions. No acknowledgement or response at all to these letters. Payments have not been made for 20 months despite no change in bank details. My mother was placed into a nursing home two years ago suffering from dementia and relied on that pension payment to pay her residential care needs and was assessed by social services using her pension payment from them included in that assessment. Not receiving payments resulted in financial hardship up to the day she died. I was not made aware of any of this until my mum passed away. I intend to claim back all money not paid to her until her death. Where it can at least go somewhere to paying some of the funeral costs. Any thoughts on this from my good friends here on CAG. Cheers.
  9. Hi there all. I have a question regarding my account. I had a Virgin Money Account which I was paying off interest only for, for a significant time and one i had PPI on. I was paying minimum payment for some time which meant interest and charges only on it. My business failed earlier this year and I am only now coming out the other side with a salary again. The account has been sold to IDEM and noodle gives the following information. Idem Capital Securities £ 4,471 22/09/2014 Default Name nnnnn Address nnnnnnn Date of birth nnnnnnn Account type Credit Card Account number ******6888 0 Account start date 09/05/2008 Opening balance £ 4,471 Regular payment £ £ 1 Repayment frequency Monthly Date of default 28/02/2014 Default balance £ 4,471 I am now being contacted by Westcot about it daily and in letters. I would like some advice please. 1 - It seems I can still approach Virgin/MBNA about PPI and charges on this card as I believe i have a claim that may be valid. Do I contact westcot and advise them that I will be contacting them or not? 2 - What should be my next plan? I have no issue paying this debt off but i see all this stuff about CCA requests and SAR requests etc a nd I am not sure what I should do, I can ring them up and offer £200 a month not an issue. 3 - Do they have any legal right for me to disclose my financial details to them as in income and outgoings - i can see from other threads that IDEM seem to think that they are in their rights to ask lots however I don't know what westcot will want from me. Thanks in advance!
  10. Hello All I defaulted on a credit card in 2012 and received a default notice from the provider late 2012. I cannot remember at the time if they reported the Default to the Credit Reference Agencies but believe they did and therefore the account would have been in default from say the start of 2013 and under the six-year rule (I am in England) would drop off the Agencies systems at the beginning of 2019. The account was subsequently sold to Lowell where it has quietly languished since but they reported a Default on it in a date in 2014 and is showing as having been in default for far less time so is not due to drop off the system until 2020! So......... 1. Is it right to believe that a default notice issued by a provider does not mean they have to report the account as in default to the Credit Agencies? 2. As and when they do report the default am I right to believe that the six-year clock starts it's countdown at that time of the report and does not necessarily match the date of the default notice? 3. If the account is sold to another party am I right to believe they cannot report the default again and therefore restart the six-year countdown. I am not under any pressure with this account so not planning to do anything to correct the Credit Report until after this reaches Stat-Barred status in another year but any interested parties wanting to provide an answer, an opinion or join the discussion please feel free to post. Thanks all.
  11. Got PCN at hospital in NI. Ticket says no valid disabled badge on display. Disabled badge was on display and was visible in my opinion, though which side was up I couldn't say due to extreme stress. The badge belonged to registered owner who was in hospital and who in fact passed away a few hours after the ticket was put on the windscreen. The registered owner was not the driver but there was a key family member who was a passenger with mobility difficulties and so one of the disabled bay spaces was used. This is brutal and I am wondering how to address this as quickly and easily as possible without having to disturb those affected in the deceased estate. I am a very close relative and this very upsetting. This happened in the last week. How do you suggest I proceed on this. Thank you.
  12. hi,i have just has a debt collecter from marston holiding knock on my door for a debt my daughter had.....he was dressed as a police officer look a like..he ,had a stab proof vest on with arrest officer written across the front and on his sleeves.....I have cctv and caught him on camera. he said he was here to arrest my daughter for a £57.00 debt issued via the courts..... he gave me a form with arrest notice on it saying if not paid he would arrest her..me being quite old panicked and said I would pay this....thinking he was a police officer... it says on the form failure to resolve this she would be liable to arrest either by a marston arrest officer or a police officer.. my question is was this legal and can a debt collector have the power of arrest... really confused on this thanks paul
  13. I'm emailing in respect of Temp work problem.I have registered with an agency to work on during the weekends. I joined the agency in May and I have been working for the agency ever since.I did not singed a contract with them and all I did I sent them my Security licence ,NI,British passport ,proof of address and bank details. Everything was fine I used to receive my pay slips and get paid on Fridays.The agency hire me to work for a company to cover luxury shops and night clubs and bars in London. on the 25th of August around 22:30,I was working in a bar in London, I got a call from from the company that hire the agency and asked me to go to work on an other site.,I said to them ,that was too late and there was no agreement between me and the agency to stand by and mobilize so,I did not go .The lady who was on the phone told me that I was not get paid. for refusing to go . I phoned the person in charge on the following day and I told him what append.He told me that I was his employee and get paid by him NOT the hiring company, and if that company wanted me to be stand by they must tell at 20:00 to get myself ready.He asked to work normal on Saturday ,26th and Sunday,27 as agreed.On Saturday,26th around 22:00 I missed a call from the company that hired the agency because my phone was charging and I found a message asked me again to go work somewhere else.I found the message a round midnight and replied saying sorry the call was missed and message wasn't read because the phone was charging. I had to get paid on Friday,the 1st of September ,but I was not,I phoned and texted the person in charge ,but no answer .I emailed the agency they ignored my message. I would to mention that no holidays were paid since I joined the agency and NO contract was singed but, I have got the pay slips. I look forward to hearing from you soon.
  14. The Consumer Action Group Guide to understanding how the Credit Reference Agencies work. The guide to help you understand what Credit Reference Agencies are and how they impact on your lifestyle financial decisions and the information that is shared with Financial Institutions . Credit Reference Agencies.pdf
  15. The Consumer Action Group Guide to understanding how the Credit Reference Agencies work. The guide to help you understand what Credit Reference Agencies are and how they impact on your lifestyle financial decisions and the information that is shared with Financial Institutions . Credit Reference Agencies.pdf
  16. The Consumer Action Group Guide to understanding how the Credit Reference Agencies work. The guide to help you understand what Credit Reference Agencies are and how they impact on your lifestyle financial decisions and the information that is shared with Financial Institutions . Credit Agencies Guide.pdf
  17. The Consumer Action Group Guide to understanding how the Credit Reference Agencies work. The guide to help you understand what Credit Reference Agencies are and how they impact on your lifestyle financial decisions and the information that is shared with Financial Institutions . Credit Agencies Guide.pdf
  18. In 2011 whilst awaiting a redundancy payment from my previous employer I received a payment of £3600 into my bank account. As I had been waiting almost 6 months for my payout, I assumed this was some sort of interim payment and used it for living expenses as I was unemployed. After eventually receiving my full redundancy payment, it became clear that the initial £3600 payment was made in error by my previous employer. I arranged a payment plan and have dutifully paid this initially at a rate of £40 per month reducing to £20 per month when I submitted a new RFI due to a change in circumstances, ever since, In January this year, my previous employer changed their bank details without informing me and I was therefore unable to make payments. I had initially assumed that the problem was with my bank and even spoke to my previous employer regarding the matter in May, but they still didn’t inform me of any change of bank details. I heard nothing more until I recently received a letter from a debt collection agency for the recovery of the entire debt (£2000). I have contacted the sundry debts manager for my previous employer who has agreed to put the recovery action on hold until 28/9 and asked me to complete an RFI from. I have done this and offered to pay the full amount of missed payments and reinstate my £20 per month payments. They have stated that they now wish me to pay £40 per month and despite lots of emails back and forth are unwilling to accept anything less than this. I don’t want to incur any debt recovery charges but am incensed that it was their neglect to inform me of a change of bank details that caused this and now they are demanding a higher amount each month. Do I have any rights?
  19. Hi I own a small company with 3 employees only been running since April this year I had booked a holiday and 4 days before I went away one of my employees left without warning. I had no choice but to contact my local agency to employ a temp worker to cover the period I was away 10 days in all . It was quite a straightforward process with just a couple of forms to fill in and sign one of which was thier terms of business . All done over the telephone with the forms being emailed back etc . I queried the hourly rate whilst on the telephone as it wasn't written anywhere (I have never used an agency before ) and the administrator put me through to another lady whom I assume was the manager she told me that the hourly rate was £12.80 for a min of 8 hours a day and then after that it was time and a half. The ten days would include 2 saturdays and a bank holiday . The agency asked me to pay up front as apparently they take a line of credit to ensure that each worker is paid but thier credit company wouldn't lend agaginst my company as it had been newly formed . I thought this was a bit strange and said no I'm not prepared to pay upfront but would pay for the first three days after they had been completed and then the remaining 7 days a couple of days after they had been completed which they agreed to . Due to the nature of the work I insisted that I must have the same person for the duration of the contract which again they agreed to. The agency worker turned up as arranged and I went on holiday.... after the first three days I received an invoice from the agency as promised but to my horror they had charged the whole of sat as time and a half. I queried this by email as I was away and corresponded with the lady who had told me about the hourly rate. When I asked why the whole of sat was charged as overtime her written reponse was sorry I didn't mention it but this practice is common knowledge within the industry everybody pays sat and bank holidays as overtime otherwise they wouldn't get people to work.so I replied that she knew I was a new customer she knew I was having the worker over the weekend and bank holiday so why not mention in the telephone call that sat and bank holidays are classed as overtime ?? To which she apologised again for not telling me but she thought I was not new . Thier terms of business says hourly rate etc to be agreed in writing I have nothing from them in writing stating what the hourly rate would be just the verbal confirmation during the telephone call backed up by her email apologising for not telling me about the changes on sat and bank holiday . I'm away on holiday and am panicking that if I kick up about the invoice that she will pull the worker and leave me in the right brown stuff. So against my better judgement I pay it but send an email complaining I'm not happy .To which I get no response So 4 days later I get a phone call from the agency saying the original worker is leaving today but he is going to be replaced by another worker who will be doing the rest of the week (3 days remaining )....as you can imagine I kick off big time especially after I'd gone to all the effort of insisting that I needed the same worker for the 10'days apparently the worker had been contacted by another employer that he Temps for and wanted to go and work for them apparently the agency can't stop him from doing this which again I was not told about especially as I had lengthy conversations with the agency about this . So I eventually agree to having the replacement guy and then when I speak with the new guy on the telephone in the evening he tells me that he can only do the last two days as he has commitments on the last day which apparently the agency knew about !! That is the final straw so I have cancelled the work for the last day as don't want to use the agency again as too much grief . I will be getting the invoice for the last period of work soon so would like to know if I can deduct the rate increase that I paid originally whilst I was away from the new invoice ,and go down the line I wasn't told it's not written down anywhere etc and can I do anything about having to cancel the last working day and being mucked around etc with different staff etc this company are a joke and I will never use them again Any thoughts greatly appreciated !!
  20. What information is required by an Agency if someone wants to rent a flat/property ? My niece was asked for : Passport Driving Licence 6 months pay slips Employers Reference 6 months bank statements Utility Bills She was then charged £400.00 for the agency not showing anyone round the flat she was interested in whilst they were doing credit checks? Surely these take no time at all now? She was also advised that should the credit check not be satisfactory - then she would lose the £400.00 anyway? All this was aside from the 2 months rent in advance. She was not however, asked for a reference from the Landlady she had rented from for the past 4 years and who wanted the property back because she was going to live in it herself.
  21. Dear all, My first post so apologies beforehand if I should follow a certain procedure. Congrats for the fantastic content and advice -- although at times not easy to follow. I got today on the post a £100 Parking Charge Notice from a PCP Enforcement Agency I honestly do not remember parking there; in fact, I don't even know where this is exactly. In any case, the whole letter seems to be written to deceive - maybe what you call a Speculative Invoice. I do think I may have parked in a spot with "clear signage" (eye for detail is not my thing, unfortunately). There's this thread: http://www.consumeractiongroup.co.uk/forum/showthread.php?179567-Private-Car-Parking-Enforcement-Agency-(CCTV) from 2009 similar and at the same spot. I wonder what happened. More info - 22 June 2017; arrived in the post today, 20-august-17 - car parked at at Bristol Estate, Anchor Rd, Harbourside, Bristol, BS1 5DB How'd you advise me to do? Should I just ignore this? You do have a sticky thread saying not to... a billion thanks in advance Victor (Bristol) pcn.pdf
  22. My partner has been working for the same employer for nearly a year but is an agency worker as a Forklift Operator. He is allowed annual leave but not sick pay. His role involves moving pallets of soft drinks and loading and unloading them. A few months ago he was asked to pick up a pallet but as it was not balanced properly due to the way it was originally placed he dropped it when trying to pick it up. It was reported to the Manager who asked him to complete an incident report and asked what happened during the incident, at no point was he informed that he has a warning or anything just a discussion about the accident. A few days later he was retested on the Reach forklift and was allowed to use the machine again. On Monday he was driving the Reach Forklift again and a trainee was also driving a forklift, the trainee was in front of him but did not honk his horn to let him know that he was coming, as he was meant to do, as my partner briefly turned around to check that no pallets fell, he hit his Reach forklift into the trainees but no damage was caused. He was taken off the Reach and asked to complete an incident record again and placed on another machine. On Tuesday he was called into the office to discuss the incident, he was then informed that he has a Final Written Warning. My partner informed them that he didn't know that he even had a first warning and was told that the first incident was placed on his record but he was never informed of this. I am sure that this is not the correct way to do these meetings. Please could someone advise and does he have any rights?
  23. Hi I received a parking charge notice at work at the hospital in February and today I received a letter of the parking enforcement agency, I ignored the parking charge notice as I pay parking every month and there was nowhere to park and was going to be late I parked my car on the yellow Lines next to the disabled parking I went out numerous of times to move my car, eventually there was a space a few hours later and moved it! Shall I ignore this parking charge notice or do I need to pay it? Thanks
  24. I used to send complaints to the OFT, Consumer Credit Fitness Department, now everywhere just seems to refer you to make a complaint to the Debt Collection Company themselves, then after months of waiting for a final response go to the Ombudsman. Can the Ombudsman fine them, revoke their license or order them to comply with something? If not, who can now the OFT isn't dealing with this? Who monitors if they are behaving lawfully and in accordance with their license terms etc.? I have found the Ombudsman to be a joke in the past and they usually just return everything to me and tell me to wait for the company who is ignoring me to reply. This is no help. Can local Trading Standards do anything? They usually fob you off and to go to the Ombudsman too. Maybe the local MP can do something but we don't have one now for 3 weeks. I am not seeking compensation. I want someone in Authority to be informed as to how the DCA are behaving and adding fees unlawfully to accounts and other dodgy practices.
  25. I have worked as a temp for an agency that pays out for “holiday pay” where the holiday hasn’t been taken. The problem is I wasn’t aware that I had to manually claim these payments during the year and that, according to them, they cannot be rolled over. I worked for them in 2015 and 2016 (and this year) so I have in effect lost these payments as I have not adhered to their policy. (their policy is on their staff portal website and I think their contract, which I don’t recall ever seeing). I am annoyed as in the various numerous training I have had with them in terms of being compliant with their admin/paperwork as part of my duties they have never mentioned I had to claim these payments. In other words they have been very on the ball where it suits them. Does anyone know if this is legal? thanks
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