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Found 52 results

  1. My partner who is on lifetime DLA is being reassessed for PIP. Having had an uphill struggle to claim other benefits and his pension, we are well versed with their tricks by now. This morning he a received a random phonecall from someone unwilling to identify themselves, who was asking for personal information. He refused, unless the person identified themselves and gave a return phone number (it was a 'private number on the caller ID) for him to call on. They refused point blank and said "There's no point in continuing the conversation and slammed the phone down" Despite the fact my partner has had no contact from the DWP or ATOS since he filled in his form. I immediately suspected this was ATOS, fortunately I was around the corner from their assessment centre at the time and went round. When I went in the person who I saw was the person who had called my partner! However they kept refusing to discuss anything with me (which is fair enough, except confirm it was them who had called my partner), but I requested a phone no so he could call up, confirm his details but much more importantly find out when his assessment is! She refused point blank and said that's "his problem for refusing to hand over his details". Cut a long story short (which was mainly filled with lies from this person about the PIP procedure) I found out his appointment is this Friday from the main ATOS call centre. WTF! we have had no letters, no text's and most importantly this woman was refusing to tell us when it was was! Anyway we have had the appointment shifted. Some quick questions. 1) Is there any chance this lady I spoke to, will be the one who will be doing the assessment ? i.e. is it the assessor who makes that phonecall before the appointment 2) We want to record assessment, how do i get written permission ?
  2. My van was clamped outside my home early may. I went to the post office, set up a direct debit, then called the clampers and paid the £100 or so clamp fine, clamp was released later that day/eve. I thought that was it. Just received a letter from DVLA conmen asking me to pay fine just short of £200. I was under the impression that if you taxed it and paid the clampers that was it.. I am goinf to appeal it but just wonderd if you had any advice on what I should be saying, will they be softened up if I say I was hoping they would see light if I taxed it etc. Thanks.
  3. Hi, I am desperate for some help if anyone can, the story is as follows, sorry if it is long winded. I am a sole trader running a Lawnmower Repair Business, I lease a 1400sq ft commercial unit from my landlords. My landlords supply the Gas, Electricity and Water, I am billed directly from the landlord for the utilities and not their supplier which is not one of the big 4 believe is CNG Contract National Gas Ltd. I do not know who supplies them the electricity or water (a good guess for the water would be Yorkshire Water) So I took the lease out in February 2010, Trumbling along. struggling along to run a business as it was, paying my bills, rent, suppliers etc etc etc. Every month the Gas, Electric and water bill dropped through the letterbox always on the 5th of the month and they were always paid on time, as far as I was aware the gas was up to date, billed for usage and paid. Then in Sept 2016 the landlords said to me they think there is a problem with the gas and to leave it with them, anyway, fast forward to now. We have had a revised bill from them saying we have underpaid the gas since 2010, it was their fault as they calculated the meter reads incorrectly (ALWAYS originally billed by actual meter reads, we have all meter reads by way of photograph back to then, we took a photo of all utility meters every month (so did the landlord)) aparently they said they were calculating on imperial or metric instead of the other way round. So the invoice is £13,000, but they will accept £5,500 to clear the matter. If we don't pay it in 7 days they are taking us to the small claims court etc etc. Some thing stinks if you ask me. Can they do this? do we have a leg to stand on? does the Bills of Exchange Act s59 not apply?. I called citizens advice to ask about the Back Billing 12 month limit and they said this does not apply to me as my landlord re sells me the gas rather than the actual supplier, but they can only back bill 6 years as to the statute of limitations. £13,000 or even £5,500 is impossible to find for a sole trader with 7 days notice, last accounts I turned over £60,000 with a profit of £6,000, last year was a shocker for lawnmower repairs/sales. Please, if anyone could offer any guidence/support/advice I would be eternally grateful. thanks Dave....
  4. Last year Lowells lodged a county court claim against my wife for money she clearly did not owe. We defended the claim in the county court and Lowell's claim was dismissed in December 2016. In February 2017, to my astonishment (although I'm not sure why - its Lowells after all) they started chasing the same money all over again through the usual letters. The most recent one was today, where they very generously offered us a 60% discount on the debt the county court says we don't owe them. Surely there must be some course of action we can take ? Any and all suggestions welcomed. Cheers, Dave
  5. Hi everyone, I hope I have the correct forum I need help with a debt relating to management charges on two apartments. On the 24 February 2014 Northampton County Court served us with papers in respect of outstanding service charges. A1111111 name of apartment one in the amount of £3752.01 A2222222 name of apartment two in the amount of £3812.03 We challenged the figures sought by the managing agents and their solicitors, advising the Court that we had never received (and still haven't) statements of accounts. We agreed we owed service charges but believed the figures due were much lower. The County Court appeared to agree with our figures. They made a ruling in the case A22222 relating to apartment two. Judgement was ordered in favour of the claimant in the amount of £1531.27 on the 10 July 2014. We immediately paid that figure and the CCJ was removed from the register. No ruling was ever made in relation to A111111 - apartment one. As with apartment two we strongly disputed the figures claimed by the management agents and their solicitors. The Court ended up closing the file as the solicitors for the claimants apparently didn't respond to their queries. NRAM, our mortgage company, confirmed to us in writing that they had been advised a CCJ was registered against us in respect of apartment 1 in the amount of £1932.54. NRAM confirmed that they paid this figure to the claimants solicitors. We were very upset as the case was not heard never mind a ruling made. We believe the claimants solicitors sent NRAM a copy of the CCJ entered on apartment 222 in order to get the fund for apartment 1. Now a year later, the management agents have again changed at the apartment block. They requested the 2015 management charge but allowed payments by instalment. We paid the first payment on both apartments in January. By return we received a letter from the new management agents stating that as we were in serious arrears on our service charge payments they had instructed solicitors to start court action. They now claim we owe circa £4500 on each apartment. I wrote back to ask how they had commuted their figures. I advised them of the above and included confirmation from the court re the judgement as well as a copy of the letter from NRAM confirming payment. I had a very nice email back to say that they were not aware of the history and would investigate and revert. That was on Feb 9th. We heard nothing since but on Thursday we received a letter from a solicitors firm stating that they had been advised to start legal action to recover the arrears due i.e. circa £4500 per apartment. Following my long post my questions are 1) Can they sue us again over this debt when the court made a ruling and awarded a CCJ? 2) I think I need a solicitor? Does anyone have any idea how much this would cost? I believe in paying my debts and have tried to but the previous management company wouldnt accept instalments, didn't provide any reports or accounts and were extremely difficult to deal with. We asked them to request payment from our mortgage company but they said they couldn't until a judgement was in force. We bought these apartments when we were both working and had good jobs. I had to give up work due to having an autistic child, I left the UK and moved abroad. My husband still lives in the UK, lost his job and has since found another one but on a much reduced salary. We would sell if we could but both apartments are in negative equity. Thank you for your help
  6. Hi All, im looking for advice. On Monday 13th March a bailiff came to my door saying he had a warrant to enter and search my home with the intention of removing goods. I asked him why and was told that my son had an outstanding court fine for running a red light last summer some time and that it had not been paid so he was here to collect the debt in full or recover goods to the value of. He said he had a locksmith, removals van and the police on route but if I let him in peacefully and paid the outstanding amount he could cancel the police and locksmiths presence. I refused and said I would try to get hold of my son but he said it needed to be paid straight away and said if my son or myself could not the full amount of £561 within the next 10 minutes he would proceed with forced entry. After 15 minutes of trying to reason with him whilst also getting my granddaughter ready to go out and get my nephew from play school I said that if I found him in my house when I got back that I would call the police myself. Eventually he left leaving a card that said notice of intention to enter @ search your premises -removal notice and told me to ring him later that day to arrange payment. I told my son all about this later that evening and he says he knows nothing about any court fine and has not received any letters r notices in the past. On my return from the play group I did some research on line and found that he did have the right to force entry and remove my goods unless I could prove none of it was my sons, I tried to message him to find out which court the fine originated from and the exact date of it. He didn't reply. He came back yesterday morning with the same intention of removing goods, bringing a van, locksmith and police but this time he was able to get hold of my son on the phone and insist he pays the debt there and then or he would again proceed with entry. My son said that he had no knowledge of the debt, what it was for or when it was issued but to keep the bailiff away from my door he tried to negotiate a payment plan of half today (yesterday) and half next Thursday. This was refused he told the bailiff he would get back to him. The bailiff left after 10 minutes but said if the debt was not settled by 8pm he would be back before 9pm. Later my son told me that he had phoned the court and find out what he could do, he was informed that as he had no previous knowledge of the fine that he could apply for a statutory declaration and have the case reheard if he pleads guilty. What can I do in the mean time to stop the bailiff entering my home and taking my possessions whilst waiting to get the declaration and the court date. The bailiff as informed of my sons plan of action but insists he will be back today at some point to make an actual enforcement as he has already wasted 2 days here. What am I to do, im at my wits end, I have my 2 year old granddaughter here during the day and my 27 year old son who has a severe learning disability. Can some please advise thank you
  7. Hi all I need some advice on an issue that I have with Sixt. I will put in all events to hopefully give the full picture. 15th Feb hired a car at my local Sixt car hire office for 24 hours. No excess waiver taken On checking the car with the employee I noticed some scratches on the front reg plate and bumper. I was told that these slight scratches did not count as damage. I signed the employees pda computer and was given the keys. No paperwork except the reciept that I signed in the office prior to going to collect the car. I did not have a camera to use at the time. The car was due back by 11am on 16th Feb 2017. As per agreement I parked the car outside the office at around half midnight on the 16th Feb and dropped the key in the 24 hour dropbox. I checked online and noted that the car was checked back in at 7.07hrs. I understand that I am responsible for any damage until it is checked in. I had to go to the office later that morning to resolve a separate fuel issue. The employee who checked the car in, informed me that he had to drive the car to the petrol station to put more fuel in. He was speaking very candidly with me. No mention of anything wrong with the check in. 5 days later I get an email stating that the car has new damage and I am liable. Upon investigation, I find out that the damage being refered to is the same scratches that were there already. After multiple emails back and forth. I have denied all liability. My reasons are as follows: 1) The damage was already there. I informed the employee before taking the car. As per terms and conditions. 2) The photograph taken by Sixt was taken later on that day, after the car had been moved. Even though the damage was there, any new damage claimed could have been caused after the car was checked in. The car was parked in a way that a picture could have easily been taken where I left it. Why wasn't it? 3) Lack of consistency of the employees. The state of the car on check out was described as slightly soiled interior and exterior. On check in the state was described as clean. This could be the exact situation with the scratches. One person says it's ok, the next say it's not. This is obviously what has happenned. 4) I've been sent 2 different invoice amounts, 354 and 360 pounds. On one of the invoices it details labour charges and specific time spent on the repair. When I checked the car after the invoices were produced, the repair has not even been carried out. 5) In one of my emails I suggested that Sixt give customers a sheet of paper that shows a diagram of the car and any damage no matter how minor. This would avoid any confusement in the future. To my amazment one of these sheets was emailed to me with my signature on it. I have never seen this sheet let alone signed it. I feel that this could be classed a fraud. 6) The pictures of the car that Sixt produced showed extra markings that seem to have been added for the picture. I'm not sure if these were markings to point to the scratches or simply to make it look worse. These markings are not there now. All in all I feel that they are trying it on with me. I have invited them to take me to court. I recieved another email today stating that as we are getting nowhere, they have no option other than to refer the case to their legal department, unless "we can come to an agreed settlement" . I feel very suspicious about this. If they are adament that I am liable, why would they want to reduce the charge? You opinions and advice would be very welcome. Do you think I should let them take me to court?
  8. Hi all, Thanks in advance for any help. I received an over-payment charge from a previous employer in October with a deadline for payment in 6 weeks. At first they miscalculated the charge and over-charged me - I did the calculations and got back to them to state that I believed it was incorrect. They replied that they would look into it a few weeks later sent me a new invoice with a lower (more accurate) charge. I have been in email and phone contact with them about this since the first letter. Following the second invoice, I then submitted another query re a tax return I was due in the month that they overpaid me for, and I was just checking that this tax return had not been included in the over-payment. I also stated my full willingness to pay the charge once this had been clarified and noted that I had missed their initial 6 week deadline - but that was because they had taken so long re-calculating the charge, and then I only had 2 weeks in which to pay 1.5 grand. In their email response to this, they stated that the reminder letters were automatic, and that I would receive another in December/January unless they had received confirmation of my payment. I paid the charge in later December. Following this, I emailed to confirm that I had paid. I did not get a response to this email. I also did not receive a reminder letter in December or January so assumed this meant they had received confirmation of my payment as stated in their previous email. I have had no contact with them since I emailed to confirm payment in early January and did not receive a reply. I have now been sent a letter from a solicitor stating that I have to pay the full amount in the next 14 weeks, straight to the solicitor, or they will take me to court and I will be liable for court fees. I have already paid the amount in full. I have the bank receipt from the initial payment as well as bank statements showing the payment going out of my account. I am visiting the bank today to see if they can provide me with anything more formal, or even send confirmation to the solicitor directly. Is there anything other forms of evidence I can acquire from the bank in order to prove my case? I am now paranoid that the payment did not go through or that it was made to the wrong account, but I gave the bank the original letter and asked them to input the bank details on the letter. I have also checked the details myself. If it was sent to the wrong account - am I able to get the money returned? The money has been taken out of my account. Thanks in advance.
  9. Hi, Been lurking on here for years but now need a bit of help. I purchased a used car last Friday (6th January) but on the way home the air bag light came on. Also found the windscreen washers could only throw water an inch or so from the jets. Jack and tools are missing from the car too. Not happy that this happened on a £12k car that supposedly had an AA 128 point check. Sent the letter of rejection by email on Saturday, less than 24 hours from purchase followed up by a letter. Eventually got after sales to respond today and they tell me they no longer have my trade in. I paid £7k for the car plus £5k trade in. Car is 3 years old, full Ford service history and 71000 miles (ex fleet car). What do I do now? Thanks
  10. I moved into my new flat in June 2015. I called up the TV License people to say I don't need one, which they said is fine, and I just need to call up every 2 years to remind them. I know it's BS and I don't even need to call them, but I thought I would anyway to see what happens. I've now got a generic letter with "Unlicensed property" in bold across the top, and a threat to pay up before 6th of Jan 2016 or they will pass my address to "Bromley Enforcement Division" for "investigation". The letter even says if I don't need one, then to let them know, and they will send someone to check. Why should I have to notify them a second time within 6 months?
  11. hi all, I have a ccj with Cabot for over £7000 which I have been paying regularly for atleast the past 10yrs. i have started receiving letters from them stating:- "We need your attention - potential legal action", "your credit file indicates that your situation may have changed", The ccj relates to a loan from Bank of Scotland, my situation has not changed, my only income is carers allowance (all other benefits go direct to disabled wife). i do have other debts and pay them off at the same rates per month £5 each, at least one of these debts is held by cabot. at the bottom of the letter there is a brief explanation of what legal action could mean but that refers to a ccj. any thoughts on this would be gratefully recieved sorry if this post is a bit rambling volac123
  12. I was caught doing 51 in a 40 zone by a mobile speed camera in Feb 2016. I paid the fine of £100 and I have the receipt of payment and confirmation on my emails and the money was taken from my account as expected. Now, 7 months later, I received 2 letters through the post this morning regarding the same incident in February. One from the courts saying the have endorsed my license with 6 points and one from the DVLA with a fine for £569 which includes a fine of £440 + Victim Surge charge of £44 and "costs" of £85. It also states there has been a court hearing in my absence on 21st September 2016. It really doesnt say much else I've done some investigating and found that on 29th August 2016 the fine I paid over 3 months prior was returned to my bank account. what I can gather from the vague letters is that, more than 3 months after I paid my fine and was given a receipt, the money was returned to my bank without my knowledge now they're treating me as if I haven't paid my fine and increased my points and my fine more than 5x the original amount. I can't ring any legal advice as they're all closed over the weekend and so is the DVLA and I'm stressed out! Do you think they'll reverse the points and fine once explained? Has anybody has any dealings like this with this before? Thanks
  13. Hi, on the 13th August I was referred to Ingeus by my JSA Advisor and told to expect a call off them. On the 15th August I had a severe epileptic seizure caused by stress and was given a sicknote for 12 weeks by my doctor. He thinks, due to me being severely depressed and prone to more seizures, that I should be on ESA. I closed my claim for JSA on the 17th and opened my claim for ESA on the same day. Later that day I had a letter from Ingeus telling me to attend on the 27th. There were no mentions of sanctions or anything like that, but it caused me to become very agitated. I called the number on the letter (their general enquiry number I think) and the man, without asking for any details, told me I still had to attend. Is this correct? My JSA claim is now closed and my ESA claim is being processed. I've never met nor spoken to Ingeus before, so do I still need to go? I'm very ill at the moment and this might make me worse I fear. Obviously in 13 weeks if they put me in WRAG, that's a different situation but right now I am very ill. Any info on this would be very very appreciated!
  14. im really confued as i didnt attend the medical but sent off a form explaining why , i then recieved a letter back saying :"we have looked at your reasons for not attending a decision maker says you are capable of work from the 15.04.2010 " (this box was ticked) then underneath is says "this means we have decided that you are no longer entilted to which were : Box One : Incapacity Benefit And National Insurance Credits Box Two : Severe Disablement Allowance Box Three : National Insurance Credits The Box They Ticked For Me Were Just : The 3rd One "National Insurance Credits" This is the only box ticked so i dont understand am i losing my incapacity and servere disability allowance cos it says first "u are capable of work from the 24.04.2010 but then says this means we have decided that you are no longer entitled to national insurance credits ! Im confused as i claim incapacity and servere but these boxes werent ticked so what do they mean im no longer entitled to national credits ? im worried if they mean that ill no longer get any benefits anyone plz help me thanks in advance
  15. Hi All, I have around 6 complaints with the FOS. 2 of which have already been looked at by an Adjudicator who rejected them both. When she did she told me that an Ombudsman will probably side with her? Is this right? I have complained to her Manager as I really felt that she was biased from the start. I have asked for an Ombudsman to look at them but now after what she said I am wandering if its worth it. Luckily my other 4 complaints are now being investigated by another adjudicator as I requested. Any help would be appreciated.
  16. I apologise if this is going to be a bit lengthy: thank you so much for reading this and I appreciate any advice I can have on my situation. I hired a car for a week before Christmas from LHR. I live in the middle east. Within one hour of collection, a flying stone on the motorway had caused a middle to driver side windscreen chip, about the size of a two pound coin. Upon arriving at my destination, I called teh accident hotline they supplied to ask for the chip to be examined and repaired because i was not sure that the car was roadworthy. They took details and promised to send someone out. Three phone calls and 24 hours later I was still waiting and asked for a new vehicle. At this point I was told to speak to Sixt!!?! (I thought that I was but it turns out I was speaking to Auto Fleet Solutions!). One call to customer services and they agreed that I could organise the repair myself since I had been waiting so long and I confirmed that I would not have to pay again. Within a couple of hours the chip was repaired by Autoglass, with guarantee. When I returned the vehicle I explained all that had occurred, produced a receipt for the repair and it was returned as "no new damage" Roll on two months and I have an invoice for £750++ for a replacement windscreen. I should state that this is not an insured amount for reasons that are not interesting (I thought that it was, but I was mistaken). It seems to me that the invoice and some other correspondence received at the time of hire is all generated from the Auto Fleet Solutions bunch, who despite being by telephone call that I was given permission to make the repair directly don't seem to have registered this in any of their correspondence. Anyhow, I want to know what I should do. - just pay - no chance of fighting this. - I live overseas, can i just ignore it? The rental was a debit card transaction not credit card. - agree a settlement whereby I deduct lost retail time and money already paid for repair. - refuse to pay on the basis that I already paid for the repair, which was all that was required according to Autoglass. If I take this last route, which I am most inclined to, what should I say or not say. Are there any relevant consumer protections which I should be aware of? Many thanks in anticipation
  17. On 14th March, I received a letter from Nat West Fraud department asking me to check the recent transactions on my credit card. I hadn't used the card for the best part of a year so I was immediately concerned by the letter and sure enough I logged into my account and found two transactions (19th Feb & 26th Feb) which I didn't recognise and which totaled just over £3600. There was also a £12 charge added by Natwest as an over limit fee since the transactions took the total above my credit limit. I immediately contacted the Fraud Dept using the information on the letter, and confirmed both the transactions as fraudulent, at that point I was also told of another attempted transaction on 3rd March which they had blocked and which had triggered them sending the letter, I hadn't made that one either. They then confirmed that they now had all of the details that they needed and that the transactions would be refunded within 5 days, they also mentioned sending a letter to me to sign in order to confirm the details. As of typing this, I haven't had a refund, nor had the letter which they wanted me to sign and return. On 18th March, a Direct Debit was taken out of my Bank Account to cover the £3600+ balance on my Natwest Credit Card, despite them being reported as Fraudulent 4 days earlier. I found an article online which said that although investigating the actual card fraud may take a "reasonable" amount of time, interest shouldn't be charged and payment shouldn't be requested by the card issuer until proof of liability was determined and provided. However Natwest decided to cheerfully take their payment, clearing the balance on 18th March, before any conclusion has been reached and whilst the investigation is clearly still ongoing. I contacted the Executive Office stating that it was two weeks since the fraud was reported and making an official complaint regarding the balance on the card being settled prior to any investigation being concluded, and telling them that I wanted the £3600 restoring to my Bank Account whilst the matter is still under investigation. This was met with a reply from the Executive Office, stating that my complaint had been received, apologising for me being mislead in relation to the amount of time I was told that it would take to investigate and refund the transactions and stating that it would probably take a further ten days for them to now investigate my complaint. Needless to say, the £3600 hasn't been refunded to my Bank Account, and that point has been entirely ignored. So my first question, is it ok for them to collect payment for Fraudulent Transactions from me after they have been reported and before any investigation has been concluded?, advice from other sources suggest that it isn't and that I should continue to pursue the refund, but where can I go to with the complaint next?, i've already complained to the Exec Office and I believe that the Ombudsman won't investigate until Natwest address my official complaint, and reply to it, which they effectively have eight weeks to do. I don't really care how long it takes them to investigate the transactions, provided they remain just a balance on the card statement, its the fact that i'm now £3600 out of pocket for card payments which I didn't make whilst Natwest drag their heels investigating the fraud, and now, also address my complaint. I've also reported it to Action Fraud and passed on the Crime Number to Natwest on my complaint to the Exec Office.
  18. In March 2015 Lowells got a CCJ against me on an old credit card debt . .. my last payment was in October 2010 . ... which was when I lost my job and my finances went in to 'melt down'. I had received a number of letters from EquiDebt and Red Castle in 2012 and 2013 chasing this debt. We left that address in May 2014 and had mail forwading set up to October 2014. I never knew this claim was happening as all the paperwork must have been sent to my old address and even though we had 'mail forwarding' set up for six months after we left (in each of our surnames), I assume this must have been sent after the mail forwarding had finished. Would it not have been returned to them as 'undelivered', so why did they continue sending to an address I obviously did not live at?? I'm not sure its relevant but I am not a house owner, it was my partners property. I only found out about the CCJ when next door neighbours emailed my partner before Xmas and along with all the local gossip they mentioned that the new owners of the house we left had told them they were annoyed to have bailiffs knocking at their door a .... asking for me!! I sent away for my credit file in December last year and there was the CCJ! I didn't think there was much I could do at that point so just 'cursed' and did nothing, hoping bailiffs wouldn't come knocking at our new address. Yesterday I received a letter from Lowells at my current address (I'm on electoral register / not trying to hide) saying "We have recently confirmed you live at the above address" ... "unless I pay this debt they will proceed to legal recovery" ... it's gives details of the same credit card debt for which they already have a CCJ. Why are they starting again ... they already have a CCJ? They sent bailiffs to my old address, why don't they just send bailiffs to my currect address. A couple of questions:- 1. Can I try for a set a side as I had no knowledge of the first CCJ. 2. Why are they going for a new claim when CCJ (only 1 year old) already exists? I don't own any property . .. have no assets apart from a 12 year old car worth about £1,500 Currently 'between jobs' so no regular income although I do a bit of sales 'interim' work on an ad-hoc basis that generates some irregular income. I do know how to defend a claim (acknowledge, make them prove documentation exists, etc) so if they proceed to a Claim ... I'm ready and waiting. Any advice welcome.
  19. Hi, Need some advice. I sent Vanquis a DSAR request over 4 months ago. I enclosed a £10 cheque which was duly cashed however they failed to provide me with any of the reqested documents (CCA, Terms & Conditions, Default Notices, Deed of assignment etc) I received a 3 page letter consisting of a demand for a further £1 for CCA and a 2 page document consisting of an abreviated table of transactions (I believe this is supposed to constitute a statement) Can someone confirm to me whether the £10 paid for the sar superceeds the requirement for an additional £1 for the cca. My understanding was the £10 sar fee covers ALL docs & data. Thanks
  20. Hi, i recently paid a speeding fine of £185 to a company called marston. After making the payment over the phone i was told that the payment had been taken and but apparently there was a 'security issue' on my account possibly because some of the details i had just given were incorrect. However the money had be debited from my account and would be held in a holding account and as far as i understood the fine would then be paid . So.. i drew line under it and thinking it was done i forgot about it. 12 days later my friend, whom i used to live with, where i am still registered as living had court enforcement officers barge their way into his flat, telling him that i have a warrant out for my arrest and that i needed to pay them £400! After phoing marston i found out that i should have called to make another payment as the money would be paid back to me from the holding account. THis isnt what i was told and now with a massive fine of £400 and marston on the phone telling me ill be arrested and the fine will rise again soon....i just dont know what to do. I told them when i initially madethe payment that i couldnt afford to pay £185 again when they first mentioned the Security check thing, thats when they said that i wouldnt have to. So what do i do? it seems they make tyhe rules and can do and say what ever they like.. .do i not have any rights at all? does the fact that i paid the £185 in the first place make any difference whatsoever?
  21. Hello. I am new to this forum. I wish I had joined ages ago. Please bear with me because the full explanation of my situation is quite lengthy. The mortgage start date was 24/01/2008. No payment was missed until 07/2011. I had gone to university in 2009 as a mature student to pursue an undergraduate degree. I was working around my studies when that contract ended, it was difficult to find other employment due to the recession. I was only able to get two short-term contracts during the whole three year period. A repossession order was issued in June 2012. The order was suspended in September 2013 following an eviciton notice, my filing the N244, and a hearing. I was in employment and could afford to pay enough to cover payments and arrears by the end of the mortgage term. I kept to the arrangement for a full year but problems resurfaced when I went back to school for further study in September 2014. It should be noted that I secured part-time employment before resigning from my job to resume further study, aware that my monthly mortgage payment would soon reduce by over £500 due to my having paid off one ‘Element’ of the mortgage in full which meant I would be able to get by for the 1 year duration of the course. I however had to cancel the Direct Debit because my mortgage lender failed to amend the payment amount despite my communication with them, and attempted to take payment of the same amount as previously on two occasions. All this was explained in detail on an Application to Suspend the Warrant of Possession which I filed on 06/08/2015, but a hearing never took place because I came to an agreement with my mortgage lender. Under the new agreement, I was supposed to start making payments on September 2015. At the time, my course had ended and my part-time employment had become full-time. I changed my bank, had a few problems and missed that payment. I explained this to my mortgage lender in October. However, the real problem arose because I left the job shortly after due to some internal changes after a company takeover. I was not fired and therefore did not know how to communicate this to my mortgage lender, especially since I had no other means of making payment. I was also sure I would secure another job quite quickly it turns out I did not start a new job until the beginning of January 2016. Meanwhile, I had received an eviction notice sometime in Decebmer 2015. I filed an Application to Suspend the Warrant of Possession on the morning of the eviction and had an emergency hearing (9th February 2016). The judge was extremely dismissive. It was as if he had decided I was simply irresponsible. He was not even interested in my new job or ability to make the payments going forward. He dismissed my case on the basis that I had a bad payment record and he was not convinced I would keep to a new agreement. He also mentioned something about credit card debts which I had included in the "creditors" section of the Income & Expenditure form. He said my numerous credit card debts contradicted my statement that I live a simple lifestyle and he therefore did not accept that I could live on the amount stated on the form. The credit card debts are not new and have nothing to do with my lifestyle. They were incurred during my undergraduate degree. I told the judge this but he did not care. Credit card statements will demonstrate that that level of debt did not exist prior to 2009, but started and gradually grew during the period of study (mainly accommodation costs). These credit card debts have been included in the "creditors" section of every Income & Expenditure form I have submitted from the very beginning. They were there in September 2013 and during the full year that I was paying £1350 per month. My mortgage lender obviously did not have a problem with them when coming to that agreement and did not have a problem with them in August 2015 when agreeing that I should pay £1493.97 starting from September 2015. They do not seem to care that this was partly their fault. Had they adjusted the payment amount when they should have, I would have continued to make payments under the first arrangement up until October 2015. Now they are adamant that the only way I can get the property back is if I pay the mortgage balance in full, not just the arrears. Amount outstanding on mortgage - £50,469.71 Arrears - £24,541.81 Property value at last valuation - £105,000 (1 bed flat) Remaining mortgage term - 2.5 years Is there anything at all I can do? It has now been 6 days since I was evicted. Thanks in advance.
  22. Hello In November I purchased a new car from Peugeot using Passport Finance. I paid a £250 deposit by credit card and was told my new car would be here at the end of January. I have still not received delivery of my car nor is at the dealers. in fact nobody seems to know where it is or when I can expect to get it. I have already received the V5 for this car and also the new finance agreement. I have had to pay my existing finance ( which is not a problem as I still have that car) but where do I stand with the new agreement that the dealer has already put in place even though I have not received the goods. Maybe I was a bit naïve as the dealer asked me if he could register the sale for January 31st to increase the branch sales figures. I was not told that this would automatically register me as the keeper of the car, nor set the finance in motion. From what I can see the car ( I tracked the vessel) was not even in the UK when he did this. I am being fobbed off by them and have now been told I will get a call from Peugeot Motor Co to hopefully resolve this matter?? Please can somebody help me. Can I cancel this agreement. Should I call the finance company and explain to them. I really am not sure what to do as I have been told that as I signed the paperwork on the dealers premises there is nothing I can do? Thank you all
  23. I started claiming in December and from 23-12-15 I wa given an 82 sanction (dismissal from work) and 2 weeks ago I had a back to work appointment but couldn't attend due to me having a doctors appointment at the roughly same time. I called up universal credit and there was a problem getting me a new appointment so they said my local job centre would call me with s new app intent which they didn't (didn't bother me I understand they're busy) I didn't get a call so called up this morning and was given a new appointment for this Thursday morning with the same advisor that spoke to me like **** previous appointment I attended (it's on another thread I posted about the advisor speaking to me like ****) and it clashes with something personal (family) and + I do t want to attend with her again (he said on the phone only sh is available. So my question is with me already being sanctioned unroll pretty much April could I still cancel this on q phone call on the morning before it? I'm interested in getting back in to work but I am not sitting in front of her again, I would rather wait for my usual advisor who he isn't available for a few weeks I was told, would be cancelling Thursday affect my sanction further or is it ov been sanctioned anyway so it would be ok? Thanks in advance : )
  24. Can a DCA purchase a debt and then place a default on your credit file, when the original creditor had already placed a default marker prior to selling the debt on?? Can you default twice or more on the same debt but the default recorded by different DCA Agencies? Can account opened in 2002 that defaulted in 2006 be sold to a DCA end of 2014 and in 2015 a new default appears on your credit file with the same account info from 2002 for the 13yr old debt?? This old debt was removed ftom my account 2016 6 yrs after originally defaulted??
  25. Like mentioned in title I was caught shoplifting at TK Maxx. Long story short. The police was called and I was taken to their small room for a search. TK got all their stuff back. The police gave me a warning and I had to sign the paper saying that I am willing to give my personal details to the store so they can send me the letter from RLP. Their job ended there. I was told by the store manager to wait for the letter from RLP and so it came a few days ago. They want me to pay 270 pounds. In general Im not from UK. I am an exchange student going back home by the end of jan. In the paper (notice given by tk maxx) only my current uk address has been written down. They also have my full name and date of birth. My question is : What may happen if I just ignore the letter. Can Tk max obtain more details regarding my persona from the police in order to take me to court? Is it possible this can chase me back to my country (personally I dont think they will want to)? If you need any extra info, just ask. Could really use some advice. Cheers
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