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Found 3,708 results

  1. Hello all In the Autumn of 2017 I moved into a new property. Both Gas and Electricity were provided by Npower on a PostPay meter. I immediately contacted them to advise them who I was and they set up new accounts for the property in my name. I then went to a comparison website and ended up switching both fuels to Iresa. Npower did not object to the Gas being switched but did initially object to the Electricity being switched. I contacted Npower who said that they no longer objected and Iresa should apply for the transfer. I subsequently received final bills from Npower which I promptly paid and closure of the accounts and commenced paying Iresa by monthly Direct Debit. I continued to receive bills for Electricity from Npower, some were issued and cancelled and they appeared to have some confusion, then re-issued with different amounts. I ignored the lot. However, it got to the point where Npower were threatening action including adverse credit reports. I wrote a letter of complaint and this was duly investigated, if that is the right word. Npower claimed that Iresa had not requested that the electricity be switched over the second time and that I was still liable for it. To complicate matters Iresa has gone bust and the new supplier is busy absorbing the accounts into their own operation. I believe having contracted with Iresa, paid my final bill with Npower and been notified of account closure by Npower that I owe them nothing. This is currently out with Face2Face, their field agents which is likely the last debt collection action before an application for Disconnection (or a prepay meter) is made. Anybody got any advice? Thanks in advance for reading and contributing.
  2. Firstly a bit of background. I have a secured loan with blemain finance (we all make mistakes:-x) It was taken out in may 2007 and is for £10K also it is cca regulated. They have added over £4K in charges in just 2 years, I have requested the charges back and after lots of letters i have they're final bog of letter. so i am now debating whether to take then to court for unfair credit agreement or go to the fos, i have phoned the fos and they have taken details and sent me out the forms to carry on with my complaint,but as yet i have not sent them back.so i have all options open to me and some advice in which way to go would be appreciated. Also i have a suspended possession order after they went for repossession, now the thing is i think when they took me to court they first sent out a default notice, but i think that it is non compliant and would like a second opinion,and some advice on how to deal with a suspended position order that they got on the back of a dodgy default notice. my issues with the default notice are a]That they didn't give me 14 clear days to rectify. b] No specific date to remedy (they say 14 days from date of letter) c]The paragraph saying that if you dint understand this then seek advice from CAB is missing the following is word for word what it says on the default notice and the only date on the notice is at the top of the page. 1] To remedy the breach you must pay the total arrears of £xxx within days of the date of this letter. 2] If the action required by this notice is taken before the 14 days, no further action will be taken in respect of the breach. 3] if you don't take the action required by this notice before this date then the further action set out below may be taken against you. 4] FURTHER ACTION: on or after the date shown above we shall apply to the court for an order for possession and sale of the mortgaged property. so any advice on how to proceed with this would be greatly appreciated and thanks for looking. welshperson (from bridgend:-))
  3. Hi I started a Ppi claim with Lloyds a few weeks ago there were 9 old loan account from 1992 to 2000 with Ppi. I should have my response in Aug. But this week I have received 2 letters in the same envelope to old address even though Lloyds have new my address due to claim. One is from Lloyds saying they have sold my debt to asset link the other from asset link. I know there's a Lloyds charge on my old house from 2006 (ex wife and kids live there but my sole mortgage) as its on land registry. Any one know why I've been sent letter? I assumed they would offset against any debt anyway. Any advice on what to do I will upload letter off asset link. PDF Photos 16-07-2016.pdf
  4. Hi to you all who have taken out loans with this company me also being one I feel we are all same unite here cos we are all similar cases loans done by the company mine has been too trauma to put on here its cost me dearly in my nerves etc I just want to say thank you for saying on here to each and everyone of you I know we all have experienced same things to do with this company, please hang on cos I believe there is now light at the end of the tunnel. BLESS YOU all and try relax , sometimes it just takes one more to move the mountain . I had to remember nothing is impossible is it, release is coming we have to remember its just a loan and yours and my views count , whither its 1 person 2 people 50 people 1,000 plus people with same view multiplication is coming or is not needed because sooner or later it just takes the right place, action, things, people to change things.
  5. Hi all, I am new to this forum, so please bare with me as I get hang of how it all works. My story dates back to 2006, when I took out a secured loan with Blemain/Together finance for £25k. This was to pay additional bills and to do some repairs on my property. I brought the property in 2003. This was the first time I took out a loan, I had no real knowledge of the best type of loan to choose, which is why I did the loan through a broker, who pass my application to a third party Loan Options, who recommended Blemain finance. They were both paid a commission at the start of the loan and that was deducted from the loan amount. Blemain also added £2000 in charges for handling my application, so at the start of the loan I was already £4000 in debt. My understanding from the start was this was a loan, but over the years it is now referred to as a mortgage, with added legal clauses such as remunerations. None of this information was made clear to me at any stage of my application. There is no way I would taken this loan if I knew the interest rate would be so high. I am now paying more to this loan then my actual mortgage. In the last 11 years Blemain has added charges to this loan for building insurance, Telephone calls, Letters, Arrears and court fees. Yes they have taken me to court on 2 occasion to reprocess my property. Each time adding extra charges to the loan amount. I have recently had a audit done on the amount I have already paid Blemain and it totals to over £39k, I still have 4 years left to pay off this loan. I have been in financial hardship since taking out this loan, with very little to live on. I have been to solicitors, law centers, etc, none them has been successful. I can’t afford the monthly charges of this loan any more, I am compelled to sell the home I lived in for over 33 years. I recently asked Blemain for a redemption figure and they have quoted £46k to pay off this loan early. I am horrified that they can charge such extortionate interest for a loan I took out 11 years ago. If I pay the £46k redemption figure It would total £85k for a £25k loan. How is this possible:???: I would appreciate any advise or guidance from the forum. Thank you! Bdoubleu
  6. Hi to all. I am going to try and keep this very simple and brief. I was sent a package/gift by my relative. So it was not a online purchase or any of that sort The item was delivered to my apartment complex via Royal Mail signed for service and was received by the concierge who signed for the item and made a log of my parcel and put in a delivery note via my letter box. However when I went to collect my parcel it had disappeared from a secure parcel room. I am not here blaming the concierge stealing the package all I am saying it just disappeared. I spoke to the building management and put in a formal complaint. I contacted the police also who could not do much at this point as no proof of who took the parcel. I wrote endless letters of complaint to the building management company of my apartment complex. Who ignored my complaint s and never responded. I then did a subject access request for the office log sheets containing the acceptance and delivery of my parcel even then they ignored and after my letter to management stating I will make a complaint to the ICO they sent me the documents. I then wrote to the CEO of the company and yet received no response. I had no choice other than to seek financial claim of my missing item via the small claims court. £ under 5000 claim. So The Small Claims court acknowledges my claim and gave until 1st of October for the defender the building management company to acknowledge and put in a defence to my claim. I rang the small courts/money claim centre on the 2nd of October who said they have received no information from the defendant however they are 5 days behind. i had to wait until 7th to find out if they had received any correspondence. I ring up on the 7th and yes they have not received any information. I sent in via email a request for judgment by default on 7th October, received the confirmation email, but again it takes 5 days for it to go through. The judgment by default was sent as the courts had not received any information from the defendant at this point of time. On the 8th of October I received an email from the defendants solicitor stating that there is no contractual relationship between me and the building management, and my particulars of claim are not clear, (I have been extremely clearly in my claim form) and that the claim is misconstrued and vicarious and that the concierge company is separated and are hired separately and in so many words saying it’s not them and trying to shift blame, followed by giving me 2 options, A)discontinue the claim B) agree to an an extension for the defence to allow them a extra 1 month to put in a defence C) And if I do not agree to a or B the building management company would file for a summary judgment strike out as the claim is vicarious. And giving me a 23 hour notice to respond via email only and to seek legal advice. Note I received the email on the 8th at 9pm and was given less than 24 hours to respond via email only by 3pm on the 9th of October. And the defendant will claim between £2500-£3000 In court costs and legal charges etc In a panic and surprise that having not any response up to date and all of a sudden a letter from a solicitor o sort legal advice and was told by my legal team to continue with the judgment by default. On the 14th of October I rang the court and was told the defendant on the 6th of October put in an acknowledgment of service but have until the 15th to put in the defence. So the judgment by default is not valid. But can put in another judgment by default if they don’t receive a defence. That’s the basic of what is going on. Now my question is can the defence claim legal costs via small claims? What advice and help would you suggest. What steps could you suggest I take as I am getting stressed out. Thank you and all response will be appreciated.
  7. Hi Guys, posting for a friend who needs more than my advice to be reassured what to do, she is on the verge of paying these people! Windscreen ticket in a marked bay for council flats, marked bay was allocated to the resident who was in the car, google nosey neighbour doesn't show the flat's car park as it's gated. The driver was giving the resident a lift home with a baby and helped them into the flat and came out to a PCN, there doesn't seem to be a 'from' and 'to' parking time and the driver says she was only there long enough to drop the baby and shopping off and come out, so possibly over 10 minutes. I have scans of the NTD and NTK in a word document with pictures of the car in the bay and the signage which is too high to see from a car, but I cannot make them into a PDF as I do not have the software or the know how and my PC is on it's last legs so I can't download any new programs. Happy to PM the word doc to anyone willing to help, but it's not redacted either so I will trust you! I suggested doing an appeal that the driver was parked in a marked bay allocated to the resident with the resident's permission which trumps any agreement they may think they have. Advice please guys? 1 Date of the infringement: 01/11/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date]: posting date 03/12/2018 notice date 05/12/2018 3 Date received : 05/12/2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] Y 5 Is there any photographic evidence of the event?: yes - photos on www.paymypcn-uk.co.uk 6 Have you appealed? no - need some advice from you guys 7 Who is the parking company?: Parking Control Management (UK) Ltd, SL1 2XF 8. Where exactly?: Capstan Drive RM13 Google maps doesn't show the car park for the flats, car was parked in allocated bay for the flat it was visiting I managed to find someone under the age of 30 to do the PDF conversion on their laptop, please see attached for all the NTD, NTK and other info PCN info for CAG 01_11_2018_01.pdf
  8. Hi I'm wanting to get information from Blemain with regard to my loan. It's due to finish later this year and they claim the current balance is approx £4.5K which won't be cleared by the payments! I'm going to send a SAR but I'm not sure which template to use from the library. There's Full Subject Access Request or Debt or DCA Subject Access Request I was going to use the "Full" one, but then the "Debt" one looks better as it specifically mentions insurance and additional charges. Any help would be greatly appreciated. Thanks. BB
  9. Hello all, apologies if this is repeating other posters, but just needed some reassurance or additional advice: I was sc@mmed via an Ebay/Paypal seller. I sold a bike to a buyer, the payment was requested as bank transfer, however the buyer suggested using PayPal and all I needed to provide was my email for him/her to deposit the money to my PayPal account. The money was deposited, the bike collected (I didn't ask for a collection receipt as it wasn't a courier I had arranged). I removed the money from my PayPal account, and thought everything was good. Two days later, PayPal indicate that the the person who deposited the money didn't receive the bike and the money will be paid back. Now I am missing a bike and my PayPal account is negative £900. I argued strongly with PayPal, explaining the details of my case, supplied the CRN, all conversations with the buyer, etc, but with absolutely no joy. I haven't had any formal communication from PayPal about paying the debt, however, this week I started receiving communications from Westcot (2per day at present). Their number is blocked and I am making a log of their calls. My question is, how do I know if PayPal have sold my debt, or have they just instructed to recover it on their behalf? If they have sold the debt, am I legally obliged to pay it back? In my eyes I don't have a debt and it was PayPal's decision to give the money back from the process of an obvious [problem]. I am quite happy to go to court as I believe PayPal are assisting and allowing fraudulent transactions to take place. It is apparent their security is flawed, and I would love to fight this, I'm just concerned that if PayPal sold the debt that they created then I am tied in to paying Westcot which clearly I don't want to do. Any advice on this would be very much appreciated. Clearly I haven't disclosed all details as its quite complex, but nonetheless I have been the victim of a this and PayPal facilitated this. Regards.
  10. Hi guys massive advice needed. I'll try and get to the point but this is so complex you would not believe. Split up from wife in Jan 14 moved out she stayed in house due to the 2 kids. Morgage solely in my name. Went on credit report Nov 15 due to not being able to get a overdraft credit card or add a tablet to phone contract. Couldn't access it for weeks due to many factors one my own fault did no realise I wasn't on electoral roll. When I did get on it there was quite a bit of debt not a huge amount but things I knew nothing of. Signature forged etc. One debt ended up in a CCJ, but I went to court and had it set aside. I have not reported her for fraud due to the kids. Lots of credit searches in her name to payday loan company's many to a company called welcome finance. Who had been calling me about a debt for a few months prior about a joint account . Yet every time I went down local office when I found out where it was no one would speak to me due to data protection. There is nothing on experian tying me in with this debt no default, no loan account Due to CCJ I contacted land registry to see if anything there and a legal charge secured loan to progressive finance 2006 again not clue how. Do some digging and welcome and progressive same company . I email them for more info. They tell me it's down to a secured loan I took out in 2008? But the charge says 2006 I asked for further information on this? Such as a credit agreement. As I have had no dealings with your company. Other than a few phone calls regarding payments when I went down to the local office in Merthyr and returned phone calls asking for more information no one would speak to me regarding it or provide what I asked for. I requested a CCA which the returned po and asked for my signature I did not sign and told them they gave sent information before so I have no need to prove who I am they emailed a credit agreement dated 2008 which looks like my signature but you can barely make figures out. After the 12 + 2 days were up. I head office they were now in default and they had not provided me with what I'd requested . I then received a sar. I had a default notice asking for arrears from local office , they were sent a debt dispute letter. I had thank you for being a good customer and local branch were moving in April 2016 heard nothing since I look through sar there are blank pieces of paper with my signature on there are loans some look like they are my signature some definitely aren't mine. almost all have her and my signature loans are from 2001 to 2008 the last loan was for 30 grand and 39 grand interest on top 300 months? There are call logs saying mr called in was not me phone calls again not me . But the handful of times I did ring or go down to get answers nothing logged . Am bank statement in this sar are ex wife's. There are some of my bank details for direct debits I've checked my bank there were many payments to welcome. No dockets of mine in there or proof of my wages at all. There a piece of paper saying legal charge 2008 but it hasn't been registered with land registry. There are statements and I have to admit when I left in 2014 I paid money to this company as she worked out who would paid what. Stupid not to question but my head was in shed when I left. . I have calculated that £20.6026 has been paid to loan since 2008 balance on then was £30,514.26 and still stood at £25,384.31 in July 15 no payments since jun 2015 cos I had already wised up by then and thought why am I paying a debt that's hers. The loan before this in 2006 you can't read figures on the fixed loan sum agreement it looks like £429 a month. on the contract and legal charge agreement it says £129.39 180 months they all look like re writes but not all are that readable. Plus they have overinflated house price in 2003. Is this loan legal enforceable? What can I do? Help?? Still haven't heard a pip out of welcome.
  11. Good afternoon, In a nut shell. Opened a BC CC in Mar 2003. Missed a few payments which meant that i incurred Over Credit limit charges. Over the course of the next 14 years, it escalated. Despite missing payments and over credit limit charges, BC doubled my credit limit on 3 occasions, June 2009, March 2011 and March 2014. Leading to more financial trouble for myself which was impossible to get away from at the time. Finally got back on track in 2018 and managed to clear the balance, but still incurring interest and some charges. Prior to each limit increase, my record with them was nothing short of abysmal, missed payments, over credit limit, when i did pay i was rarely over the miniumum payment. 38 missed payments and 48 over credit limit from 2009. My question is, do i have a claim against BC for irresponsible lending? Regards G
  12. I recently made a section 78 CCA request to Cabot who I have been paying a debt off to for 2 years. There was another 12 months left until I realised I could make a CCA request to them. I received a reply today saying that they could not get the info from the original lender, and the account is unenforceable. What data position does this place them in? Can they still request from me or use my data in any way? What about the default under their name on my credit file?
  13. Hello, I employed a builder to do a loft conversion, and renovate my house which I had just bought. He quoted £72,000 to do the work including all electrics, plumbing, plastering etc. The quote was itemised and he visited the property twice and priced up materials etc before emailing it to me. He said that the work would be completed by the end of last summer. He requested an initial payment for materials into his wife's bank account quite a while before any work was done. When he started he told me that he didn't have a lot of money and that I would need to give him money for materials which he would not make any profit on, and he generally showed me receipts. He also asked for 'wages' for himself on a daily rate of £180. I'm a single woman and I realise now after googling that I should have had a proper contract in place and made stage payments; I know now that he took advantage of me for being trusting. I was renting alternative accommodation in another town as the property wasn't liveable. I would pop down once or twice a week or so to see how it was going and progress was slow. Sometimes there would be no-one there at all and most often when I arrived they would be in the kitchen drinking tea. He had decorators, plasterers, electricians and plumbers come in, who he knew and had arranged. He had me pay their invoices. He had initially one labourer working with him, but that escalated to three labourers - he was invoicing me for all of them at a daily rate. The work dragged on past the end of the summer for no reason. The builder told me that he had been diagnosed with leukaemia and I felt sorry for him, but now realise this was probably a lie. I was finally able to move in in November, The main house being finished. The builder seemed reticent to move on the the conversion of an attached brick outbuilding and seemed to be finding odd jobs to do around the house. He asked if I could do a favour and pay his building subcontractors directly as this would mean they would need to pay their own National Insurance instead of him. I made a couple of payments to them in November- the daily rate for the builder and 3 labourers was £500. I also gave the builder £7500 in cash for the roof, which he gave me a receipt for, but he has kept the money and not given it to the roofer as intended. When I started the renovation I had the money needed from the sale of my previous house plus another £20,000. That had all gone and I took out the maximum loan I could from my bank of £25,000. The work continued throughout December when I was away on holiday. I came home after Christmas and it still wasn't completed. I did a spreadsheet and found that I had paid through bank transfer to the builder and various of his contractors £105,000. I also had unpaid invoices from him, his building subcontractors and further other contractors of £12,000. There had not been any extra work requested on top of the original quote, I had chosen the cheapest option wherever I could and the work on the original quote is still not finished. I told the builder that there was a problem with the overcharging and not to return to site until it had been resolved. I asked for a list of his extras and he quoted putting up a shelf in the pantry and other trivial things which in no way add up to the total. The biggest overcharging has been in payments to the builder and his 3 subcontractors - £60,000, the vast majority of which is for labour. This does not include the £7500 for the roof. My house is not huge, it is ex local authority 3 bedroom, outside of London. I refused to make any more payments and had the subcontractors texting, calling round at my house and demanding payments. One morning I found concrete poured on my car, and when I got home that night the front and back door locks have been superglued so I had to call an emergency locksmith. I reported this to the police and bought security cameras. I paid to have letters sent the builder by a building disputes company explaining that he had overcharged me and needed to pay me back the money. Also letters to the contractors stating that any payments they had received from me were made in error because the builder had told me to and that they should get payment from the builder and reimburse me with the money already paid. In return I got seven identical letters back from the builder's solicitor, one for each contractor saying that he was looking into it. That was two weeks ago. I would appreciate any advice please - I am a woman on my own who is finding it hard to get advice which doesn't cost a lot of money. I don't have much funds left and need to get the work finished. The cost of a solicitor is very off putting and I worry that if I take that route I could end up owing more money. I am also a little concerned that the six subcontractors might try to sue me for their outstanding invoiced which are each in the £1000-£2000 range. There are also some issues with the work which has been done - the brickwork for example is shocking and needs re-doing. I have tried calling CAB who referred me to Trading Standards, I called Trading Standards but they said that they would only help businesses in my county and not individuals. The builder is a sole trader and he co-owns his house with his wife.
  14. Hi I have finally dug out all 3 of my loan agreements for WFS. I did issue a PPI refund request back in 2007 but they point blank refused and due to health reasons i hadn't the energy to pursue them. I have recently had success with black horse and wondered how i proceed with Welcome, i have already contacted the FSCS regarding the 2 most recent loans but looking at the paperwork they were both re-finances of the first and that one was pre 2005. Can anyone advise? the net searches have suggested i call them but im not sure about that - they were pretty awful to deal with back then Huge thanks Maudy x
  15. My Mother is 96 and has had a M&S CC for many years, used for phone and online shopping which also gave her a feeling of independence as she rarely left the house. She began displaying signs of dementia late last year following a stroke, then fell at Christmas suffering a v serious head injury and was not expected to survive. She was eventually stabilised, though only after two scary doubt-filled relapses. It was then immediately clear that her dementia had deepened v substantially, and to make a long and very evil story short my Mother has in just a few weeks been replaced by someone who looks like her but has no memories, doesn't retain anything she is told conversationally for longer than 30-60 seconds, has no retained awareness therefore of her circumstances or where she is, who never has a yesterday to help her understand today, is confused on a good day and distressed on a bad one, doesn't recognise friends/some-family, and only occasionally recognises me when I tell her who I am. She is now in permanent residential dementia care where we continue to visit a very frail stranger unable to look after herself and needing help with all aspects of daily life, and that we love very much but can do nothing to help, only ... observe. Anyway ... I am dealing with her personal affairs. I would like to know please whether a card-issuer - M&S in this case - has legitimate recourse to family if the card-holder is neither competent nor capable and is unable to settle an outstanding balance, in this case just under £2K. Today the State takes all of Mum's pension and benefits to offset some of the £900+ p.w. cost of her Care, with the exception of a few pounds as so-called pocket-money to provide "personal treats" like toothpaste and replacement clothes/undies etc. Treats? There is no longer any possibility of the outstanding balance being settled by Mum from any source at all, she has no assets and had been getting by just okay on her State Pension+ small benefits whilst in a sheltered-housing bungalow since my Father died. I have been far too preoccupied to bother with the M&S reminder-letters over the past three months, but should take control before things escalate. I don't have any problem ignoring DCs if M&S moves it along, however I'd rather put the brakes on with M&S before that stage. So, to repeat my question ... I assume that in Law M&S would have recourse to income or assets, however there are none and I am wanting to know if In Law there is then permitted-recourse to family for the debt? If they try to make noise instead of writing the balance off, I am perfectly capable of berating M&S very robustly about pursuing a 96 year old woman in residential care with dementia! However, before then I want to be clear in my mind about the legitimacy of any other channels they may claim to be entitled to pursue for recovery. In reality they would actually be unsuccessful that way also as I am 71, retired with no assets and only state pension income, and with debts and obligations of my own already after a past business-collapse. I'm not concerned with that just now however, just in knowing whether M&S would be on solid ground if they should respond by saying that in these circumstances the debt becomes the responsibility of someone's family to settle if their assets/estate isn't able to cover it. So can someone advise on that one point please? Thanks! Howard
  16. I am having an issue with a very slow moving solicitor who is the executor of my mother's estate. In an attempt to be proactive I have just been looking on the government probate search site (https://probatesearch.service.gov.uk/#wills) and on there it shows a Probate Number and a Date of Probate for her will. Does this mean that - the probate process is now concluded and the funds from her estate can now be distributed? - does it indicate that the process has been started and that the case has been assigned a number but that is it not yet completed? Thanks in advance for any guidance you can give.
  17. Received today and the time is not correct also i think the code is wrong the fact was i had a disabled person in the passenger seat needed the loo very quickly so i cut around the to light at 1703 the ticket saying 1702 the code also said 38l think that was wrong to but i needed to get them to a loo asap and had sat in the traffic 20 minutes already and could not pull into the left as was a bus lane what can i do
  18. I had a Vanquis card up until late 2012. I lost my job through no fault of my own and contacted them to start the repayment insurance that I was paying them for. They didn't call it PPI, they called it something else. I was told I could not claim. I said what on earth was I paying Payment Protection Insurance for if I cannot claim on it. I told them angrily at the time that as far as I was concerned, the matter was closed and they would not be getting another penny out of me. I had the usual two dozen phone calls each day all from different numbers, but I just disconnected the phone. In the end, they got fed up and farmed it out to several DCA's all of which I told to get lost. In November last year, they sold the 'debt' to Lowell and I have had them on my back. I said that as far as I was concerned, I was mis sold insurance and the amount was mostly made up of illegal charges and exorbitant credit fees and the matter was closed. This is due to be Statute Barred in about December, but I don't think that I could hold them off that long. I have heard that Lowlife now go to Court on their 'purchased' debts. I just wonder what my next move is and would the mis selling route be the best way to do down if they do decide to go through the Courts. Can anyone help? it would be much appreciated.
  19. Brunowales

    Mbna ppi

    Hi All Just got my SAR back from MBNA. CC taken out 1998. Defaulted 2003. Informed no CCA which is good to know as DCA chasing and have been cca,d. My question is the statments show payment protection insurance as well as penalty fees for late payments and over limit. Is it too late to claim these back? Many thanks
  20. Hi everyone. I could really use some help with this nightmare. I opened a GymEtc membership about 4 months ago. Somehow during the process the membership application got duplicated and i ended up being double charged for 2 accounts. I stopped the duplicate account direct debit, then get an aggressive letter from Harlands. I called them, explained the situation and they said they would close the duplicate account and refund the 2 payments. 4 weeks went by and I got no refund. When I contacted them again they said it had been initially rejected by GymEtc, then processed but still didn't make it to me or my bank. At this point I said i would collect the refund from my bank and contacted them to reverse the 2 direct debits on my duplicate account. I was very specific and gave the references and dates. They instead reversed 3 payments on the active direct debit then cancelled it. After this happened I called the bank and they admitted the error and reactivated the correct direct debit. I then called Harlands to pay the 3rd payment which should not have been refunded but they told me they could not take payment as this was not showing on the account. They told me they would watch the account and now call me when they could take payment. They also stated they would mark the account to not be charged. Another couple weeks go by and Harlands send aggressive correspondence. I call again to ask if i owe them and am told again that I don't own any money. Today they send me a letter saying I owe 2 admin fees of £25 each plus a membership payment. If i don't contact their customer care then my account will be sent to debt collection. I'm on my lunch hour, I have called them 7 times. I waited 20 minutes at one point for them to pick up, when they did, the person cut me off just after I finished the above long explanation. I am at my wits end and I now want them to terminate the contract with no fees. What are my options for resolving this now?
  21. Hello there, My partner has two student loans with Erudio. Back in March he received a phone call from them saying that his loan had matured and they wanted payment. We asked them to send this in writing and never heard anything, they also hadn’t sent any reminders regarding deferment. he continued with his deferment for his two thesis loans and received confirmation from SLC that deferment had been accepted for both Erudio and Thesis. However we received a letter last week from Erudio demanding payment of the loan. I called them on partners behalf, he has anxiety and cannot deal with phone calls like this. Asked them why he had to pay if the slc had agreed deferment. They said that there had been a delay in deferment and as a result the loan is now post maturity. They said that they will be requesting proof of deferment history from the student loans company?? (Why do they need this?) This morning we received two letters from Erudio, 1 saying that deferment has been rejected, and that they have requested proof of deferment history from SLC and that they have included a copy of the terms and conditions. However these have not been signed and they are just a blank printed copy of the terms and conditions. Nowhere on the letter does it say what we need to do next. The second letter asks us to complete a I&e form within 30 days so that they can agree a repayment plan. However, this all seems fishy to me. In the terms and conditions it says that they will write to confirm deferment threasholds each year and send a pack, but they didn’t ever send anything. They also didn’t send a breakdown of the loans as I requested. They also want me to pay for a copy of the original signed loan agreement... Please can any of you offer any advice on how to proceed?? Thesis are happy with the deferment of the loans so why are Erudio being so difficult? Thanks so much in advance this situation is causing huge amounts of stress!
  22. started a new thread as advised. my wife started to get letters about debts from lowells. all have had cca requests sent on 4th july this year, but they have all been acknowledged and all the accounts are on hold except capital one. the paperwork they have sent suggests the debt isnt as old as we thought. i have attached all the letters in pdf format. capitalone.pdf
  23. Please can you guys advise me what I can do. The Third party insurance making it very difficult and seem like they are looking for ways not to pay. If this is the case I will be liable for the costs, which would set me back in life. Background 1.I had a collision, and claimed for the damage to my car personal injury. (it was non-fault but the Third party claimed 50/50). The case went one. 2. Third Party gave me a cheque for half on non-prejudice basis. The day they sent this, My solicitor took the hire car back from me. 3. Cheques take some time to clear, However I saw a car I liked. I asked for a loan from my cousin, on the basis that I pay him back when the cheque clears. (he previously said no, as I had nothing to pay him back. A few months down the line my solicitor called me. They cant get a better offer than 50/50. Its his word against mine. I asked what will happen to the hire car fees. They said you will get half. The other half will be written off by the hire company. I agreed. I thought everything was done,. but 7 weeks later... Issues 1. Third party wants proof I brought a car (I give them insurance documents) 2. Third party checks my bank statements. They ask were is the transaction for the car. (The car was brought cash in hand, I gave them proof of the bank transactions of my cousin loaning me money, plus screen shots from his bank. And screen shot that he paid my insurance money. 3. Third party gets in touch again. Where is the cheque we gave you and why did you not borrow money earlier. (I sent a screen shot of the cheque in my bank and said no one wanted to give me a loan) but once the cheque was posted I had people willing to loan me money as I had means to pay them back. not heard anything back yet. Questions Why are they making it so hard? I just want this to over. My life has been put on hold. Because I am afraid of what may happen if they refuse to pay. I seen many posters around about the same situations, but never the final result. I just don't want to keep prolonging this. I have provided enough evidence to show the need for a hire car, plus they have my bank statements they know my financial situation. what more do you think they can ask?
  24. Hi, I had a van through Moneybarn which they repossessed in Aug 16 and sold it at a loss and now are wanting £6403 out of me. What options have I got to get them to play ball nicely? I know they had what I borrowed back plus about 2.5k in payments etc in my mind they had the initial loan back. There is a big fat default on my credit file that I would like sorted as trying to get car finance is an issue currently. thanks
  25. Good evening, I'll try to summarize briefly : - 10 day ago washing machine stopped to work at the end of the program, door locked... - I notified to the landlord the issue sending him an email with all details and a quick video where he can see what is the actual problem - After a couple of days I received a reply from him where he'll put me in contact with the guy who manage the house in his name so he can arrange the repair - This guy send me an email (landlord was in cc) saying and he requested a repair and he already arranged the payment. - This tuesday I received the visit of the engineer who made the work in about one hour This morning I found a letter in my letter box from the UK's leading specialist warranty provider about a "Repair and care plan" signed in my name (t's mentioning my name and surname as Customer Name) with a duration of 6 months. The payment has be arranged with Landlord's bank account, a Direct Debit Payment Schedule with a 6 Monthly payments. I'm pretty nervous cause he never agreed with me to arrange for a care plan and I never authorized him to do it in my name... I wrote him after a couple of hour I found the letter asking some explanation cause we never talked about care plan, he replied saying when he was doing the payment there was no different in price between the one-off repair and the care plan and due to the care plan is covering 6 months he decided (according with the landlord) to proceed with that. I replied him saying i'm fine with anything the landlord wants, but the contract needs to be signed in my of the lanlord... All email conversations contains the landlord as cc, at now they stop not replying ... How should I proceed?
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