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  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 s
  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
  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
  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 compa
  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
  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,
  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
  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 C
  10. 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 quick
  11. 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 re
  12. 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 cal
  13. 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
  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 . CredAg_WIP.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. 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 ch
  18. 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 a
  19. 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.
  20. 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).
  21. 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 warn
  22. 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
  23. 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 t
  24. 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 w
  25. Hi Ladies and Gentlemen, Have currently been made full time by my current employer. It has been 3 weeks now. I was working for an employment agency ( removed by site team ) worst agency I have ever worked for, never paid the correct wages and took weeks to sort it. They have a finger print scanner to clock in and out, my new clock card system sits next to this. So, baring in mind I am full time and this agency knew I no longer worked for them, I occasionally just put my finger on the scanner just to confuse them, It was only a couple of times. On the 14t
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