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  1. I've been paying of the balance of my credit card with the Royal Bank of Scotland, paying an agreed amount every month by direct debit. I have kept up these payments without fail. I have now received a letter from them saying that they are increasing this payment to 2.5%. Previously I have filled out their forms detailing my income and expenses so they know I cannot afford the increase. Are they allowed to do this? Thanks for your help.
  2. Hi, A friend has just called for some advice which unfortunately is well above my head. He has just accepted a new position in a company after stepping down from a Senior managerial role (for stress related and alleged bullying purposes) which is a downgrade but is the job he wants to do at this present time as he's not then directly working for the alleged bullying manager. He's looking for another job and has made no secret of this fact... His new line manager in the last few weeks has given him a new contract that states he now has to give 6 months notice if he wants to leave
  3. £800 million agreed for defence READ MORE HERE: https://www.gov.uk/government/news/800-million-agreed-for-defence
  4. New GP contract agreed for 2018 to 2019 READ MORE HERE: https://www.gov.uk/government/news/new-gp-contract-agreed-for-2018-to-2019
  5. This is going to be a very long drawn out case, unless someone can offer some element of hope for us. We completed renovations to a derelict property about 2 ½ years ago. Our porch needed a new roof which was done with a trocol membrane. In a storm back in January 2016 we returned from a trip to find a metal pole on the flat roof which had a covering of gravel. My immediate suspicion was that it was the remnants of an old tv aerial, but as it was only the pole, I have since found it to be referred to as the mast, not the aerial itself. This is important as it was referred to as an aerial
  6. I have an old tenant who has taken me to court for not protecting a deposit. I didnt get a deposit but it was so long ago I put my foot in it by protecting a non-existent deposit, thats another story. Short story is that we agreed on an amount to settle this before tenant left, all in writing on email. I sent over part payment and then part of the agreement was to send over the rest of the payment on satisfactory return of property. In this time I then went back to UK and found old contract showing nil deposit and old bank statements with no deposit received.
  7. Aviva posted me some very insulting to me marketing material in february so I contacted them to complain. They claimed that I had opted to receive marketing some years before, when i lived at a previous address. After further correspondence where they failed to produce any evidence of htis supposed agreemnt or ticked box (never used web or paper forms to agree to anything) they admitted they did not ahve such an agreement, had mixed my personal data up with another person of a similar name as well and offered me £75 when I had requested £250 as that was a sum courts had agreed was a mini
  8. Can anyone help me on how to proceed with the following Recieved county court claim today from mortimer clark solicitors acting on behalf of claiment cabot particulars of claim by an agreement between goldfish bank ltd and the defendant on or around 25/11/2002(the agreement) goldfish bank ltd agreed to issue the defendant with a credit card.the defendant failed to make the minimium payments due and the agreement was terminated.the agreement was assigned to the claiment. The claiment therefore claims £XXXX I have a letter dated april 2008 stating cabot have bought the debt and
  9. My partner bought a vehicle for £2650 from car dealer with no warranty on 7th March 2017. On 25th March 2017 the bottom end crank shaft went and we had to be towed. The garage said the work is minimum £1500 and we've shopped around and nowhere can do it cheaper. The car dealer said that is an extortionate amount for what needs to be done and has agreed to pay half. Leaving us to find £750 to pay for the rest. My partner is about to agree to it as he feels he's had enough stress with it but we're having our first baby this year and really can't afford it. Is there anything we can do? Do we ha
  10. Hi all, I bought a property with an ex partner many years ago. I managed the property for the first few years before handing it over to a managing agent. The property was in my name as he was out of the country as the time of signing the mortgage. No declaration of trust was put in place but it was always agreed to split it 50/50 and there is an email showing this (and that intent). The property was sold 2.5 years ago and following a previous legal matter, where the ex wanted access to the property's accounts, my solicitor at the time, who sold the property, agreed to hold
  11. Hi all, Heres the context; So after days of trolling through various website and spending loads of hours on the phone. I finally found my insurance broker. I had previously gone to them for a quotation and an estimate came back at 4200 GBP however when I rang them to finalise the quote the representative on the phone informed me the price was 3700.00 GBP. She also read out and went through all of the information to double check all was correct, this included all of the previous claims fault or non-fault, all was fine. I ended up putting a substantial deposit down and my vehicle was i
  12. Hi Not been back on this website for a good couple of years (which is obviously a good thing) but recently encountered an issue which has\will threaten to undo all the good work of getting all blemishes issue's of my Credit history... I have a perfect credit score for the past 4-5 years till today. I had a lease car for 3 years (Banque PSA Finance), no payments missed including the last payment, when the car was returned that there was excess mileage and damage to an alloy....for which they then forwarded me an invoiced ..which I assumed could not be added onto the end Agreement an
  13. Hope the title makes sense but that's the situation. In detail, the debtor and his partner owe just under £5000 to a private creditor, who obtained a CCJ which took the total to just over £5000 including costs. The people are one self employed, with a partner employed in a minimum wage job. The debt remained unpaid and 3 months later the creditor applied for an Attachment of Earnings order (AEO), against the partner obviously as of course he can't obtain one against someone who is self employed. At a court hearing the judge took into consideration the couple'
  14. Rather than face the humiliation of the DWP contacting my employer with a Direct Earnings Attachment, they accepted my proposal of £100 per month direct debit repayment plan. I have been paying this for 12 months and have never missed a payment. I have just received a letter asking me to call them as they want to consider an increase in my current payment plan. Can they pressure me with the threat of a DEA through my employer again if I refuse to agree to an increase? This debt is from 1997 and I know lots of people say it, but I know I was repaying this back then,
  15. In brief - We went to a local independent flooring company, wishing to purchase a wood floor. The owner talked us through the various products, came to our house to look at the area it was for, measured up, checked the subfloor etc. He then recommended a product for us, ordered it and arranged for "his team" to come out and fit. He arranged the day and time they were to come out and told us that we should pay them cash on the day. In the meantime, he took moisture readings, spoke to the manufacturer and also the manufacturer of the underfloor heating we'd had put down, to check what u
  16. Hi All, First time poster! I've been battling with Barclays over a default they placed on my credit file purporting to a current account with Barclays which I didn't recognise. Six months ago my partner and I were house hunting, at this stage we were really just getting a feel for the market. A house came up that was perfect and we set the wheels in motion hoping to get a mortgage offer sorted within the week and put an offer in. After visiting a mortgage advisor, he asked for copies of our credit files, which we duly acquired from the two credit reference companies and sent th
  17. Hi all. Recently my parents decided to move their Phone/Internet/TV over to Sky from Virgin Media, as there was an offer available from Sky for Free Family Package TV, £10 Unlimited Fibre Internet and £16.40 Line rental per month, so basically £26.40/month as opposed to the £56/month they were paying to Virgin for 100Mb Internet, basic TV and Phone calls/line rental. The day before Sky were due to install the TV, and a week before they were due to take over the phone line, my parents got a call from Virgin Media and handed it to me (as I tend to do all this kind of thing for them) and i
  18. Well, a deal is there but the Israelis and senior members of a potential next US government say they will do all they can to cancel it.
  19. i split from my wife several years ago. I agreed to pay towards car payments and paid extra child maintenance (extra £70 month). After my ex stopped me seeing or speaking to my children because she wanted more money I calculated the correct child maintenance and reduced payments. After months of no contact with my children she eventually agreed to go to mediation to resolve the issues, I went to my session but she refused. After 3 months of difficulty seeing my children I received a small claim for payments both arrears and until the end of the agre
  20. A new fee-free template for basic UK bank accounts has been revealed by the Treasury after a deal with major banks. Basic accounts do not offer overdrafts or cheque books, and may be given to those with a chequered credit history. Some holders of these accounts have been hit by initial fees of £30 or more after a direct debit or standing order payment has bounced. The cost can then escalate if the fees are unpaid. Under the new terms agreed, these one-off fees will be scrapped. Economic Secretary to the Treasury Andrea Leadsom said the new accounts would give basic bank acc
  21. Restons solicitors acting for Marlin capital recently agreed monthly payments via ccj which have been kept up to date, but now I have just recieved a letter from Restons stating an interim charging order has been obtained and they have sent me a copy of the application. Surely they can`t do this unless payments are missed? I have rang Restons and they say the letter was sent out as matter of course, and agreed no payments have been missed. But now im worried whats going to happen next. Can anyone please advise me what if any action I can take. Thank you
  22. Hi All, Recently I agreed with vodafone retentions team to upgrade my mobile contract for a further 24 months. The priceplan that I agreed was for £26.40 a month including an affiliate work scheme discount of 20%. At this point all seemed good. After taking my proof of employment to a vodafone shop my problems have started. Firstly, a few days after I got back from the shop i contact the online help to check my discount had been applied which they said it was and my monthly bill would be as agreed. Then I check my online account a few days later and it did not appear, so I
  23. Hi folks, Quick explanation, I am new here any advice would be great! I had a loan with HFC as a young 20yr old and was taken for a mug massively. last year HFC repaid me over £3500 in interest and compensation for ppi I did'nt know was optional. I had a loan taken in 2006 for £5000 over 5 years. I was struggling in 2007/8 and made a few payments late and did miss some payments, hence I received a Default. The crux of this is, when HFC offered me compensation I stated in the offer letter I returned I would only accept this offer if the default was removed as
  24. I bought an item 9 months ago, it developed a fault and the shop agreed with me that they were getting another one in instead under warranty. However I have now found out that because the item has recently been discontinued they are replacing just part of it instead. (Parts are available but not the whole item I am told). I was not told or agreed to a repair instead of a replacement. The reason I am not happy is because the item had other areas that were of concern but the shop has baulked at replacing those because that is caused by normal wear and tear they say. Idea
  25. Hi boys and girls, Need some of you expert and wise advice please. I have been dealing with Cabot for the last couple of years for a debt they bought from Barclaycard. Barclaycard has marked my report with settled. Recently I have got a credit report and have noticed that they have been marking it with AP every month. I also have been paying Llyods and they do not do this. Cabot phoned me and I asked the question about marking my credit report with AP, Cabot said they were doing this correctly. I asked "if You bought the Dept then and then agreed to a
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