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  1. My home was repossessed following a relationship breakdown in 2008 by Birmingham Midshires. I was contacted in 2009, 2010, 2012 and 2013 by BM debt collectors chasing the shortfall and each time I did not acknowledge the debt but i did request clarification on how the shortfall came about in a letter from a solicitor I received in 2010. In all my correspondence I highlighted I was not acknowledging the debt to BM or to their representatives. Two weeks ago I received a letter out of the blue from Moorcroft chasing the same debt again and then the weekend just gone I got a chas
  2. First time poster here desperate for some advice after google has proved fruitless. This is a long ongoing story so please forgive the length and thank you in advance if you manage to read everything. I bought my first car 28/06/2018 from a car dealership in Hounslow, ATM Motor Trade. I found the car on Auto Trader, the dealer had good reviews and it was a good deal for the car that I wanted. The drive from my house was around 90 minutes each way but I was confident I was going to love the car. The saleswoman seemed knowledgable and friendly and I bought the car that day. I paid by
  3. Hi all, Thanks in advance for your assistance, my wife has receive a letter today with the below information: "My records show you have an outstanding balance of £279.72 in respect of ****** (address) for the period 7.1.13 to 17.2.13" My question would be ... is this enforceable and would the statute barred rule come into play for the amount of time that passed? Thank you
  4. My 27 year old son rang me today saying he has received a letter Housing benefits from when he was in a bedsit at 18 attending college He moved and they have just sent him a letter saying he owes £500 and they are taking it direct from his wages as he did not inform them he had moved on time.. . He has always worked since leaving the property and has always paid council tax at his new addresses for 9 years and been on the electoral roll. He has never received any letters of over payment and has no knowledge of this over payment. I was guarantor at the estate agents for the beds
  5. Hi, First time post here, but given the nature of what is going on I could really do with some advice. So this all relates to a refund they gave my partner and I some 2.5 to 3 years ago. At that point we were living in a one bedroom flat with a prepayment meter. Now, according to nPower, due to a mistake on their side (they said over charging) we were to be refunded £500. Upon receipt of the refund letter my partner phoned nPower customer services to ensure it was genuine and it wasn't being handed out in error. We were re-assured it was genuine and that we were definitely
  6. I received a parking charge in 2013 for 2 mins stopped at the side of the road at Liverpool Airport. VCS took a photo and sent several letters in 2013 from various "debt collectors" etc - I ignored everyone like the advice given and about 12 months later they stopped. Out of the blue BW legal seem to have bought the data and sent me a claim letter for an alleged office in January 2013. for £100 PCV charge plus £54 legal costs? is there a time limit for these and can they go back to all that time and start again?
  7. Hi all, I'm hoping someone can please advise as to whether my logic is correct. Essentially I took out a Northern rock together mortgage over 10 years ago just before the recession, this included an unsecured loan of £30k. Shortly after I was out of work for a year and built up mortgage arrears on both the secured element and unsecured element of the loan. Despite 5 attempts of NRAM trying to repossess I managed to fight them off and eventually paid of the secured mortgage arrears however because I was prioritising the secured payments the unsecured loan arrears were not being paid
  8. The driver has just received a letter from a solicitor regarding a traffic violation in Italy four years ago. All the information provided seems correct, i.e dates, type of car name and address of driver. At first we thought it was a [problem], this is now looking less likely but still possible. What is the best course of action? The requested amount is €300 from waters&gate
  9. Hello, Mods please move or delete this thread if in the wrong section? I took a company to court over 8 years ago, I won, but the company went into liquidation before paying. I understand that the fscs offer some for of help in these situations? But they do require a lot of paperwork , which I no longer have. Is there anyway I can request copies of paperwork from the court hearing? Does anyone know how I would go about it. Thanks
  10. I Phoned up to change the seats on the flight on Friday night, only to find out the hotel we'd booked into 16 months ago (and requested special assistance a few days later because they were not open when the holiday was booked) is not suitable for those with walking difficulties (nor is anywhere in cap salou apparently) I was open about my disability from the first call and that of my children but wasn't told about the resort or hotel (I'd asked for 14 nights all inclusive but left the resort open to Thomas Cook while explaning I have sever walkin
  11. Hi, I'm new to this forum and was wondering if anyone has successfully claimed a refund for irresponsible lending, even if it was over 6 years previous? I've e-mailed a complaint to Wonga as I was taking out a loan month after month from May 2010 - June 2013. The majority of loans I had taken out were on the same day as the previous loan was repaid - usually in the region of £500. I made a spreadsheet with dates my loans were taken out, credit amount, amount repaid, total in interest/fees and dates I repaid them. There were 3 occasions I had to set up a payment plan and the day
  12. It's an odd case. Mostly because I have autism and I struggle to communicate. I am sometimes catatonic for months. In March 2016 I bought a refurbished laptop with 1yr warranty from SKUNKWURX LTD (they use many names, line svx-online, and others). The laptop failed (motherboard burnt) and I returned it for repair under warranty. The laptop failed again and I demanded a full refund. Unfortunately for me, I was using the advice of Citizens Advice and Money Saving Expert, which are quite inadequate, to be honest. (Since then, I've had the luxury to discuss with YOU my Ford
  13. Hi When I was at university as a single mum, I claimed income support, which you're entitled to do. This was back in 2001-2004! The DWP have contacted me a couple of times over the years saying I fraudulently claimed and didn't declare I was a student. I absolutely did and in any case I would've still been allowed to get income support. They have now written to me to say they have asked my employer to commence deductions from my earnings. The debt is over £11,000! My understanding is that a debt becomes statute barred after 6 years so are they allowed to take this form of
  14. Hi all New to the forum & need a little guidance please. Have received a letter from a debt collection company "notice of enforcement". They are saying I owe over £2k from council tax from a property over 6 years ago. The liability dates were 1/4/2010 to 29/7/2011, liability order was apparently issued on 13/7/2011. Letter from debt collectors was sent on 21/08/2017, can someone please advise where I stand on this? Any help greatly appreciated Thanks in advance
  15. Hi i sent a sar to barclaycard , i have just recieved there response , all they have sent is copy statements , now are they supposed to send me everything they have on file , like , default notice , signed agreement ? i wish i had kept the default notice but at the time going thyrough bad time and just ripped it up , many thanks
  16. Hello, I have been following this intermittently since I joined last October 2015. http://www.consumeractiongroup.co.uk/forum/showthread.php?452513-Sallie-Mae-UK-loans-statute-barred-or-not-scotland&p=4934734#post4934734 I am sort of the same situation, though I moved from Scotland to England in 2012. I am not sure which year Capquest via Sallie Mae, are referring to, but I received nothing after 2007-2008 when the loan was started until 2015, from the annoying letters they started sending me that year. I also had something from Arrow, but I have answered nothing for ei
  17. About a month ago i received a Court Find in the post for around £350. I sent a letter asking what the fine was for. I got a letter back saying that on 26/03/2015 my car was found not to meet the insurance requirements. I have had the same insurance company since at least 2014 and it renews automatically every year since. I even phoned my insurance company and checked with them the exact date in question and they confirmed that my car was insured on that date. The letter said they are holding off on the fine until the 10th of June to give me time to contact the
  18. Hi Was wondering if anyone could help or point us in the right direction. My wife checked her credit file today and noticed that she had a CCJ issued on the 06th April this year at an address that we lived in over 5 years ago. It didn't give any details on the CCJ and after calling the courts she then found out that it was for a parking fine which wasn't paid about 5 years ago. We were aware of the unpaid fine but not aware of the CCJ until now. 5 years ago my wife had a job interview which didn't have onsite parking and the only result was to park in a private car park.
  19. I am the owner of a car and my wife the driver. On 31/03/15 my wife met her friend on for a meal one evening and parked side by side with her on what they thought was a free car parking space at the side of the Croma Italian restaurant in Prestwich , Manchester. neither of them saw any signage and plus it was about 7:30pm in the evenings wasn't expecting to pay parking. Apparently there were signs according to excel? After now numerous letters from excel parking, zenith, rossendale (all ignored). We have a letter from BW legal - a final notice saying that as i
  20. Hi all. A friend has been to see an employment solicitor (he is nearing the end of a 12 month 'career break') and was told that events prior to 3 months ago will not be relevant when it comes to an employment tribunal. Is this correct? I don't want to doubt the solicitor but it just sounds so surprising. Thank you all.
  21. Hi all, I reclaimed my PPI from a number of lenders a few years ago using the great advice and letters etc on here, eternally grateful for that! But.... I've had a few calls from claim companies over the last few months and they claim that a lot of lenders knowingly underpaid on PPI claims and that more is owed. I was wondering if there's any truth to that and, if so, would it be a case of following the same process as previously to claim the extra owed? Thanks, Nick
  22. Hi guys. Simply put. Parking fine - £82 Forgot to pay it. Went to a Debt Collector, who added their £75 on top. As soon as I got the letter and remembered the debt, I paid Stockport Council via their website The £82. I have an email proving so. This was October 3rd Just had a letter placed through the door tonight for.... The original debt £82 Compliance fee £75 1st visit £235 Total: £392. Am I missing something here? Clearly a lack of comms between the council and the bailiff. According to the law, do I have to pay the bailiffs' fees
  23. Hi, Hope someone can give me some advice. I received a letter from DWP saying that they were going to start stopping money from my ESA to pay back a loan of £345. I rang them and told them I have not had a loan or applied for one, they told me it is for a loan I had in 2007 (9 years ago), I told them I am sure it was paid back as it is stopped automatically. He was adamant it was not paid back, and they will be stopping the money. I said surely after 6 years it is statute barred but he said this does not apply to them. Does anyone know if this is correct please.
  24. HI Hopefully someone can help me, i really don't know what to do next. i admit a few years ago i ran into a few problems and didn't keep up to date with outstanding credit accounts, the old bury my head in the sand. I have being trying to get things in order and recently got my clear score credit report, to my shock i had a CCJ for an outstanding overdraft which was being chased by Lowell. As far as i remember i had a £1400 overdraft which i left unpaid. That was in 2009. i moved house in 2011 and never heard any more about it, although i have had other lowell c
  25. I moved away from the UK some years ago, I've obtained a new driving licence in my new country but it's not an EU one or one from a country that can be converted directly into a UK licence. The date on my UK driving licence ran out in 2014 - I made attempts to try to renew it so I could at least keep it up to date but it appears you must use a UK address to update it and it is an offence to have an address on your driving licence where you are not resident. I do plan on returning to the UK at some point and as my new driving licence is not from a reciprocal country that can convert d
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