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  1. Hi, I'm new on here and could do with some help, please. 12 weeks ago my friend ordered some parts for a roof extension he was making. He was verbally promised that the parts would be with him within the week. He paid a 20% deposit at this point. 9 weeks later the parts arrived and he was happy with them. 2 weeks ago my friend received a voice message from the company threatening court action if he didn't pay up. He then wrote to them (recorded delivery) to request an invoice as he planned to pay. This weekend they eventually sent the invoice for the amount plus £185 C
  2. Hi All, I'm not sure if I have a problem or not really! I keep getting calls from people asking about our loan with First plus and whether it had PPI on it, with all of them I have told them that there is no PPI showing on my agreement and that was the end of it, but today someone called fom FusionConsumer solutions and told me that although it does not show on the agreement First plus may have been adding it into our payments!! She asked when I took the loan out which was approx 2006 for £100,000 and what our payments were, then she worked out that we were paying approx £500 per mo
  3. Hi, My Dad received a claim form with an issue date 1st November. AOS entered on internet. Says service date 8th Novemver. (they sent POC separately) Claim form amount is £35 more than owed amount, even their evidence shows original amount. (This is not including fees and costs). Background. Service charge (not disputed). Offer of £20 a week offered in August, was rejected. Offer of complete amount by family to extinguish burden by letter (The defendant is a disabled OAP) on 5th October. Heard nothing back. It should be noted the defendant tried to contact the cla
  4. i had to pay marston money, called them and aranged the payment to be taken in 3 instalments… i thought all was done and dusted i just received a call that i hadnt paid the full amount, and that i must have messed up aranging it with my bank. although i didnt contact my bank at all, i only aranged it through marston themselves and even confirmed at the end of the original call that everything was sorted. the guy i spoke to (called me on a mobile number) said i hadnt paid in full however i had aranged the direct debits with marston who failed to take the full amount in th
  5. 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.
  6. The DWP told me that I had been overpaid last October, although it wasn't until April 2017 that they decided how much I had to repay. This was settled at £3.70 a week out of my Income Support (I am a full time carer who gets Carers Allowance and Income Support) in May 2017. Today (21st October 2017) they have written to me saying they want to review how much I pay them and increase it. It has only been 5 months! My circumstances haven't changed. CA and IS are my only sources of income, and out of that I have bills to pay. Is there a letter I can send which will keep it
  7. Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue – 17 July 2017 date to submit defence 19 August2017 What is the claim for – 1) The Defendant entered into an agreement with Orange under account reference ..... ('the agreement'). 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 18/12/2013 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £465.45 remains due and outstanding. And the Claimant claims a) The said sum o
  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. Hello all. A while back I defaulted on a Vodafone account, and now owe them a four figure sum. I haven't been able to clear the debt due to low income and focusing on priority debts. I can't remember if I received a default notice or not (the default is on my credit reports) but the amount that is in the letter of assignment is double than what is owed. The amount owed is on the default on the credit reports and the previous letters received from Vodafone, I'm 100% sure that the amount I was originally told I owed is correct. What I don't understand is that amount on the le
  10. Back in May I parked at Brockholes on a bank holiday, i hadnt been there before, it was full and as i pulled in before the car park there was a grass bank, where someone pulled out so i left the car there, spent an hour in the visitor centre and so on, then left, i didnt see anyone paying nor any ticket machines anywhere, nor any signs. The notice was dated 11 June 2 weeks and 2 days later. I wrote back to them explaining the above and they replied saying there are huge signs everywhere. .but without driving back i wouldnt know so i asked them for a pic o
  11. Hi, I was living in France and had a French Mortgage for 200,000 Euros in 2009. Unfortunately I lost my job and I had to return to the UK, I paid what I could to the Bank over the next few years, but one day in 2012 the Bank informed me that the outstanding Mortgage was paid off by an insurance policy. I rented the house out to tenants after making enquiries and paying a Notaire to see if the house was actually mine, I was assured it was and assumed that I had taken a policy out at the time of purchase. Last year I agreed to sell the house to my tenant,
  12. Hi Everyone Im hoping for some help on this please. I took out finance december 2015 on a vehicle, immediately fell into difficulties in January and had the car repossessed. I was in complete communication with the finance company, met the transporter to recover the car and kept talking with them throughout. They explained that there may be a shortfall from the resale of the vehicle which i appreciated I heard nothing for a month or so, but expecting there to be some shortfall emailed the company to find out what happened next . I then had a letter sent to
  13. Has the UK got the continuing-violations doctrine in its Laws. I was under probation with a company and I raised H & S issues. A lot of documented bullying occurred. My employment was later terminated and the director cited the contract I signed in which they have the right to terminate my contract without reason. Much later after the expiration of the time limit for the Tribunal I made a Subject Access Request. I discovered that my line manager has been telling lies about me all this time. And these are lies that are easily disputable (Like I was found sle
  14. I'm a court appointed deputy for my husband. In 2008 he was placed under the court of protection due to a severe head injury, at that time he had a Barclays Bank account with an overdraft of £600. When the CoP was put in place he had been in to his local branch and they refused to serve him or talk to him. He was lied to about why and we only found out a few weeks later that it was due to the CoP which had taken over a year to be put in place. His original Deputy was extremely incompetent and cause no end of problems. In a nutshell they began paying his overdraft off at £15
  15. Hi I had an account with Vodafone (never again) and the 3g just would not pick up in my area along with the 70 mile train journey between norfolk and suffolk. I mean I know its rural but really in this day and age. vodafone said no they can't do anything and that I have to pay the full amount to cancel (£557) blah blah. I disputed saying hang on you're not providing a service and they just kept replying with we only need to provide a service at your home address. Hang on a MOBILE phone and they only have to guarantee service at your home address, very stra
  16. Hi there, friend of mine has been dealing with cabot for a CC, she has ignored them for some time recently been receiving letters regarding going to court from their solicitors stating the amount court costs would be, she is not worried about that as she knows it will be statues barred very soon but she has just checked her file on Clear score and the amount has been increased by the amount of court costs described in their last letter. Can they do this, add the costs on to her cra file before it's even been to court? Many thanks.
  17. My OH had previously been chased for an old outstanding amount of approx £3,500 in which she previously queried with HMRC requesting further details. No explanation was forthcoming and she received her new tax code details and in which they have deducted over £300 last month from her monthly pay in which has caused no end of problems and upset. Quickly looking at approx amounts it seems that they have set-up a repayment plan over 12 months, in which she cannot really afford at the moment. Can she contest the existing plan due to unaffordability and that it was previously disput
  18. Hi all Got a letter from OPUS saying they were increasing my rate by 6% and using the reason "Pass Through Amounts" increase (PTI). Havent got a problem with that as we already pay the CCL etc so figured it was another one of those, however upon checking the bill there is no separate PTI stated, its just a set 6% increase on rates. I have checked the T&Cs and it states they can increase 2 ways. First, they can increase if the cost of the supply is more than the contracted rate. However this doesnt apply. Second, they can increase if due to a rise in the PT Amounts. However should
  19. I was receiving CT discount for being on IS. I paid £18 a month via DD on the first of each month. This month on the 1st, nothing came out. Recently my IS was stopped because of mum passing away and no longer being on CA. I'm wondering if my CT would have been increased to the full amount? They didn't let me know. I know on the 1st I didnt have enough in the bank to pay the full amount, So could that mean it has bounced? Thanks
  20. I received an unexpected later from my insurance telling me I should pay £525.23 (after my policy had been cancelled). I rang them up to ask what this figure was for, being told that my claim I had put before was because I was at fault. ??!! I had not been made aware of this before, neither is this in the handbook policy. Please help!!!! I thought insurance is there so it covers you up in case of an accident, whether your fault or not!! I am with only young drivers. thank you.
  21. Hi, The wife got a letter from CSS collect on behalf of DWP for an outstanding amount of £50, this was a fine for allegedly not telling them a return to work date which meant they overpaid 2 weeks ESA. We did accept that she was paid 2 extra weeks by mistake and promptly paid that back but disputed the £50 fine for failing to inform them of change of circumstances, we tried to speak to them many times about the matter and was promised call backs that never happened then we would call back etc and this carried on for a few weeks and we felt we did as
  22. Someone who signs on daily like me when he was in on Friday he was given a date to sign back on again after the holidays and he said to me the adviser who signed him on said the office for the computers use is open to Wednesday if u would like to use them he said no he can jobsearch at home she said something back but he can remember what but was he wondering will anything happen if he doesn't go in to use the computers? Or nothing can happen due to not been given a letter or a mandatory letter to come in to the office? He would like some info because he doesn't want to be worried about h
  23. Hi Just a quick one.....bought a ticket for what i thought was 2.5 hours parking (on tariff paid for two hours and added extra 50p in case I went just over two hours, but next tariff was 3 hours and more than I paid) but if I now pay the fine can I take off the £2.50 I have already paid? Thanks in advance! Sam
  24. Looking for some advice please on whether this is allowed before I respond if a claim has been issued and a hearing date set, at the stage at which witness statements are sent can the creditor rightly and legitimately double the value of the claim within their statement and will the court allow this/take this into account when hearing the case? Cannot tell that any formal application has been made just the request within the statement...
  25. Our property got repossessed by Cheshire mortgages and after complaining to the ombudsman regarding the way it happened ombudsman said is an issue that they will not get involved and has to be resolved in court basically. After that we got a call from Cheshire saying they sold the flat and there are several thousands of pounds outstanding but they were willing to work with us and lower the amount to 168 pounds. We told them that we found it strange that they repossessed the property for less money than that (and refusing to accept any settlement offer from us) and now they were willing to
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