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  1. Good evening all, I've done a bit of research trying to close accounts which led me to requesting CCA's to Cabot. I sent two for two different accounts which they took off Halifax (1 x CC & 1 x Current Acc Overdraft). I posted the following to them: Dear Sir/Madam Account No: With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the a
  2. Hi, On a low budget so wondered if anyone could recommend any kind of product which might help my lad cover the surface of this outside wall of his? To remove all the plaster and have it redone will be expensive so he's hoping to DIY and try and get a decent finish which hides up most of the crass mess made by the people he bought his place from. Any idea's of any product which he can paint onto this surface which might hold for a year or two? Thoughts appreciated.
  3. can someone please confirm to me how far back i can claim for being overcharged by my landlord, on the annual insurance premium on my leasehold flat? I have discovered that they have been overcharging me 4% of the premium since 1994. this equates to almost 5k Thanks.
  4. I'm trying to find out if a business mobile contract is different for a Sole Trader (up to 10 employees) versus a limited company? I thought I'd read somewhere that a sole trader has similar rights to a consumer? Basically, it seems, companies have no automatic rights - it's assumed they have access to lawyers, I guess. I have been told because I have a business contract that consumer rights don't apply. Also that 36 month contracts are not banned for business customers? (Ofcom rules 24 month max).....and that a 14 day 'cooling off' period doesn't have to be offered to businesses??
  5. I received leather sofa from Sofology, financed with an Int. free loan from Barclays (Partner Finance) Hours after delivery, it became obvious that the sofa had manufacturing faults (different cushion front panel heights, and inadequate partly filled cushions to the seating area. Raised a complaint (!) and provided photo/video evidence....asked for correction or collection! Initially fobbed off, told there was nothing wrong. Persisted, and 3 weeks later, I appear to be dealing with a senior colleague, instead of the 11 or so 'Tom, Dick and Harriets' that I had encountered in a se
  6. Hello everyone Unfortunately, my husband has gone and got himself another PCN. This time it's one that was stuck on his car I haven't seen any photos of the situation yet - I think they will be uploaded tomorrow at the earliest as he only received the PCN today. I was trying to upload the pdf but this website says that I have the incorrect file extension Is anyone able to help me understand what I've done wrong? I tried following the instructions about uploading files. Thanks
  7. My 82 year old mum hasn't been too well recently and her local Nat West Branch has closed down and the new one is a nightmare for parking and she doesn't walk too well. She also got caught out by a phone holiday spoof to the tune of a few hundred quid and became paranoid about the company knowing her account details so we decided that maybe a change to a new bank was a good option. Barclays is my and my sisters bank as well and as difficult as it is to talk about if something happens to mum before it happens to me we theorised that if we are all at the same bank things would be eas
  8. Hi everyone My brother has received a letter today from the county court business centre that was headed Judgement for Claimant (in default) It says you have not replied to the claim form (never received anything from the claimantt E-On) It is therefore ordered that you must pay the claimant £727.27 for debt and interest to date of judgement and £60 for costs. My brother has never received any court papers or even letters threatening court. But now he’s had this in the post. I’ll upload a scan of it but I’m not sure how to respond to the court document. Any help would be g
  9. Hi all, To make this as brief as possible, I had a second charge on my property with Nemo personal finance. In 2007 the property was repossessed due to a lot of bad luck and the original lender sold the property over £50,000 less than market value just to cover their own expenses (G E Money) which left nothing to pay off the second charge. I have been battling this loan on and off ever since and during this time Nemo took me to court and won because I never defended the claim and this was due to the fact \I knew nothing about it. I agreed a miminal payment to them which
  10. Hi, My mum sadly passed away in August in Hospital, aged only 52. I have taken on the responsibility of arranging her funeral. She left no will nor did she have any assets, at the time of her death she was claiming ESA and living in a hostel. I have filled in the post office form to close her account but I doubt very much that there was much if anything in there as I went to her accommodation after she passed and she had been counting coppers before she was taken to hospital. I have spoken to the DWP bereavement service this morning about help with funeral costs, they
  11. A fitter came to my house on the 20th of June. Unfortunately, when he came to my house he did not have the LVT samples that I had requested from the Carpetright Ipswich store, in order to do colour matching. I thought that was not professional of the store, but nevertheless, I decided to let this go. On the 30th of June I made an order for a Carpet, LVT and fitting on a finance agreement. At that time I did not realise that the carpet in question is out of stock and the customer advisor did not inform me of this. Otherwise, I definitely wouldn't have made the order as I would
  12. Greetings All. First post (hopefully of not too many, but think there may be a few in the pipe). If a Dealer's Website says: "Complaint Procedure" - Awaiting Content" of course there's nothing about any trade bodies or ADR channels. is this a breach of law and if so which legislation/ASA code etc? Is it worthy of an additional 'complaint' ? Thanks for your time.
  13. hi , i have a loan from welcome F (secured) but on the credit agreement my address does not have the flat number of my home , only the address of the whole building as there is 8 houses in the building does this mean the agreement is not complete right?
  14. just got my credit agreement from them and noticed mortgage indemnity of £550 on it it was a secure loan of 5000 we got but with this added to it and payment protection insurance added the ammount of the loan has added up to £7142.05 ppi - £1357.05 plus the £550 for mortgage indemnity question is these 2 amounts probably get interest added every month have they the right to add this on - mortgage indemnity insurance 2 weeks ago i cancelled the PPI form them and told the feckers to recalculate my loan with them but need bit of help with the mortgage indemnity
  15. Hi all, after 3 attempts, GE Money have FINALLY sent me a working SAR. First disc wouldnt recognise the password, second disc was completely blank! Anyway, Ive spent most of the morning going through this stuff and it doesnt look like they hit me for any insurances. But going right back to the beginning of the mortgage there is a list of charges that Im not sure about so could anyone advise if any of these might be reclaimable? Purple Loans Arrangement Fee £352.00 Lenders Legal Fee £170.38 First National Completion Fee £100.00 Insurance Fee £25 ( for processing documents relatin
  16. Could someone please advise on the “6-years and it lapses” rule, I want to know if it still is in place, and also if it then has relevance for the following. 5 years ago I acted on advice from the wonderful people on this forum. I had previously retired at 65 after a business collapse, and was facing constant letters/calls from debt collectors regarding some related debts amounting to £36K across 5 business credit cards, 1 personal card, and a small-business loan. As a result of great advice I was able to hold my ground and even go on the attack, and after a year or so 4 of the deb
  17. Hi All Really appreciate your help on this. I have googled and I don't think there is anything we can do, but thought I'd check here. My mother had a quote for £2700 for some building work. She Emailed the builder and he set a date to start work. She had a reply saying it was confirmed etc. They sent numerous communications. Then she had a reply from the builder on a fake Email address that looked just like his asking for £900 payment to secure the date. She checked his references etc and it all seemed okay. 2 weeks later the builder called her asking fo
  18. Hi there, heres the story, I paid for an early upgrade online with ee. the cost was £251 including the early upgrade fee to buy out the rest of my contract and the upfront cost of the new handset. Now I ordered this the same day my new bill was generated, however my payment date for this bill is the 10th of each month, it was not due for another week so I didnt see a problem. in the after morning after ordering I checked the ee tracker to find news of my delivery only to find it `timed out` it couldnt find any record of the order number in other words. I phoned ee to fi
  19. Dear all I have just joined this forum in the hope I can request for some advice on my current situation. I have an NRAM together mortgage on a property bought in 2005. The mortgage is £99,500 and the unsecured loan is £23,500 outstanding. My property is in Stoke on Trent where house prices are slow to rise. The last valuation I have had shows the house to be wroth round £97-99k. In 2007, two years into the mortgage, while it was still with Northen Rock and before the crisis I was offered a job in London. My salary increased from £32k to £50k. I requested Consent to Let but th
  20. Hi all, Brand new here so hi to everyone, I hope you are doing better than me right now. I am completely at fault doing 91 in a 70, I'm embarrassed and sincerely sorry but I doubt this will change anything. I have read that the fine is determined largely by my salary. I am currently on 85k and this is my first driving offence in over a decade, I've been driving for 15 years and am now 32. No criminal convictions. From a few other websites it appears I can be fined in the region of £2,000. For someone trying to save for a deposit on a house this is quite depressing. Sho
  21. If you are going on Holiday Abroad always check if you need any Immunisation/Medication beforehand for the areas you may be visiting. NHS Choices Travel Vaccinations: https://www.nhs.uk/conditions/travel-vaccinations/ Travel Health Pro: https://travelhealthpro.org.uk/countries
  22. Hi guys I will try to simply this A letter was sent to DVLA to try get unclaimed tax fine squashed. DVLA sent 3 letters to an address I've never been known at and my license was never registered at that address. No response means my license was revoked. After filling in a D1 and M1 forms and sending them off, they wrote to my doctor found out I had used diazepam illicitly for three weeks, I've never had a drug or alcohol I didn't even realise the word illicit existed. They are saying that I will not get my license back for a year, not only did they mess the
  23. Hi, This morning I had a very important meeting that I could not miss and went to park in my usual car park. Unfortunately it was full, this has never been the case before, but I sucked it up and used the larger car park across the road where the minimum stay is 4 hours and they charge £2.50, this is why I never use it. This car park is never more than half full, but was full today. Obviously something local was going on as this has never happened in all the years I have been parking. After driving around for 10 minutes and no space appearing I saw a space that was no
  24. Hi, I have joined here after reading an exceptional amount of valuable information regarding Blemain Finance (or Blemain Group) now operating as Together. About myself: I am a law graduate and helping a friend with his mortgage taken from Blemain. About the friend: From what I can see he has taken a total of 5 "charges" over his property from Blemain over the course of 2013 to the present. It started with £15,000 and now he owes 4 times this amount. That is not to say he did not exercise his own will, but so much about their operation is incredibly DODGY (for wa
  25. Apparently they can a bit of bad news for all that are claiming benefits especially those who are sick or disabled because Esther Mc vey is now Secretary of State for Work and Pensions – Rt Hon Esther McVey MP How is this even possible after what she and IDS did? for those who aren't familiar with the history, just some of the vile things http://blacktrianglecampaign.org/2018/01/11/backlash-over-terrible-insult-of-mcveys-dwp-appointment/
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