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Found 13 results

  1. Today I received a large pile of documents from Prestige Finance, with whom I have a second mortgage. I have identified 10 unlawful charges of £35 each. But this account was previously held by lenders GE Money. Either they went into administration and "became" Prestige Finance, or GE Money simply sold my account to Prestige Finance. I have identified seven unlawful "administration charges" of £40 each while the account was with GE Money, before I found my account being handled by Prestige Finance. So my question is in two parts. 1. Am I entitled to recover the £280
  2. Howdy! Entering a Token Payment Plan with StepChange as been avoiding creditors for long years now. Could someone tell me how to find old bank account numbers, old ref numbers to finish off my paperwork for TPP? I haven't kept any old letters etc, and I'd like to avoid ringing creditors at all costs. My credit report doesn't exactly show ref numbers. Is it actually crucial to find them anyway? StepChange said it would greatly help.
  3. Had to email the court to see where a claim against me was as hadnt received anything. Received an email from them today stating that due to me not filling out the questionnaire my defence was struck out, further down the email stated that the claim has also been struck out as the claimant did not file a directions questionnaire. I can pay money to have my defence considered, but its seems to be a standard email sent out as as the case has been struck out it is pretty irrelevant. My real questions are Can the claimant pay £XXX amount to reopen the case? If
  4. Hi all I have had enough of stupid calls at all times of the day which are annoying and now a caller chasing something we know nothing about (perceived debt?) Many years ago there was a device talked about on these forums that allowed you to block all sorts of unwanted calls, it could filter out etc and also you could record them to an sdhc memory card, useful for all sorts as you can imagine Does anyone here remember what I am about, I apologize in advance as I did try searching here and also on google but so far I cannot find the exact thing im looking for.
  5. I’ve just been offered and agreed to take on some consultancy work by a local consortium. I’m currently working full-time in the NHS and this work, whilst linked, will be done in my own time (evenings / weekends). I’m wondering about the best way to separate and deal with the additional income which could be perhaps an additional £10k per year. I’ve looked, albeit very briefly, into creating a sole-trader company so that I can have a separate bank account and entity from my otherwise full-time PAYE income. So, what’s the best way to ensure I don’t get myself into a mire with
  6. 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
  7. Hi, Firstly sorry for the long winded post but just trying to summarise our problem and will get to the point eventually lol, hopefully someone can help with my fiances problem, My Fiance moved in with me in July 2014 and she has some serious medical conditions that have been going on for 9 years and aren't going to get any better, She moved from the south to join me up north and we both new it was important to become registered with a local GP as soon as possible with her requiring constant repeat prescriptions for controlled drugs. She approached the local GP surgery and requ
  8. We purchased an Aqualisa Vitalise SLX 8.5kW shower as part of a bathroom suite March 2013. From then until about 6 months ago it worked fine (Max temp on setting 3 of 45°C) 6 months ago it started intermittently not heating up to full on 3rd setting (Max of 36-37°C). We just got on with it, having other things to deal with. The fault is that: Setting 1 does not "click", and does not affect water temperature. Setting 2 "clicks", lights dim slightly, and water temperature increases. Setting 3 does not "click" and does not affect water temperature. Therefore i'm guessing that Set
  9. lets hope they can get it sorted icetech have had enough problems and are an important employer in the highlands for youth too dx
  10. http://www.dailymail.co.uk/money/bills/article-2216136/Sky-hikes-line-rental-18--charges-SECOND-time-year.html
  11. Good news is customers will be allowed to leave without any penalties. http://www.dailymail.co.uk/money/bills/article-2216136/Sky-hikes-line-rental-18--charges-SECOND-time-year.html
  12. No suprises there then. http://www.fsa.gov.uk/about/media/facts/fines/top
  13. Credit card lending has contracted by the biggest monthly amount since 2006, Bank of England figures showed today. Borrowers appear to be finally paying down some of what is owed on plastic - but the figures appear to show a switch to more borrowing on loans. And it also unclear how much of the fall in card borrowing is down to banks merely writing off the money. Separate Bank of England data shows an average £6million has been written off every day this year. Read more: http://www.dailymail.co.uk/money/news/article-2152127/Credit-card-lending-plummets--banks-writing-debts-worth-millions-
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