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  1. Hello. This is my first post here, and I was hoping I could pick the brains of this forum for some help. To cut a long story short, I have in the region of £15k credit card debt from MBNA, which has been sold on to PRA, who have started getting in touch for payment. I don't/didn't have any sort of payment plan set up - I stopped paying anything last year because I simply couldn't afford to do that, while also having enough money to feed my family. I'll be honest, I tend to see these DCAs as parasites of human misery, and my main inclination is to pay them a
  2. First time poster here desperate for some advice after google has proved fruitless. This is a long ongoing story so please forgive the length and thank you in advance if you manage to read everything. I bought my first car 28/06/2018 from a car dealership in Hounslow, ATM Motor Trade. I found the car on Auto Trader, the dealer had good reviews and it was a good deal for the car that I wanted. The drive from my house was around 90 minutes each way but I was confident I was going to love the car. The saleswoman seemed knowledgable and friendly and I bought the car that day. I paid by
  3. Hi All This is my first post as I'm currently having issues with Samsonite and a suitcase I bought. I bought a small cabin bag size suitcase from a genuine Samsonite outlet store in York during the Black Friday sales at the end of November. It cost £41 which I knew was really cheap for Samsonite as I already have a couple of their cases. I used the case for the first time during a trip to London in mid January, during which time the retractable handle broke while waking along a train platform (so much fun!). I took the case back to the Samsonite store where I purchased it, a
  4. Mrs Echodale is being harranged by Cabot over HSBC credit card debt . HSBC agreed that if she made sixty payments of £xx then she could save £1800 and would not need to make any more payments after July 2018. She has honoured the agreement and made last payment as agreed. Cabot apparently bought the debt a few years ago and are chasing the £1800, they say they have contacted HSBC and have been advised that no such arrangement exists. We have the original Metropolitan/HSBC letter from 2013 and even though the onus is upon Cabot to 'prove it' we have sent them a copy.
  5. just wondering if anyone can tell me what the position is RE liability when there are 2 names on the council tax bill. I only just discovered council tax has been unpaid for the whole year. The bills have been shall we say intercepted before I ever saw them. Likewise any letters from baliffs (the company is one i've had dealings with before - and I don't like them - the seem very underhand.. I digress). So, having finally been made aware of this i'm looking to pay the bill by end of next week. (I contacted the councill last friday about it and got them to send me a bill). Howeve
  6. I naively filled out some PPI claim online Pemberton Associates ages ago, gave all info I had to hand. “Electronically” signed all documents. Was sent something in the post which was lengthy, eventually completed & returned. Cut a long story short but I started getting A LOT of emails from this company. Regarding all sorts of things, claims against pay day loans, claims against all sorts of things, there was that much I lost track. I was only ever really interested in PPI and I assumed everything I filled in was to do with PPI. I got a final response saying once they’ve
  7. Received a letter today telling me they have been appointed to trace someone. Can’t find much about them online has anyone had any dealing with them
  8. We've lived next door to them for over 18 years, they have been here since the 70's. They are an elderly couply, they are not the problem. Their 40 year old son is. He sells drugs at all hours, his Dad has to answer the door to them. The son plays loud music, games and shouts. One time, this was a few weeks ago. My mum was in the bathroom and he said to his friends 'yeah, their grandson lives sleeps in the bath'. He keeps spying on us in the bathrrom. When we reported this to the council all they said was 'He's got mental problems, he can't help it'. His mental problems a
  9. I can't buy the shirts I want from the popular internet stores ( or local shops). After searching the net more fully I came across the C&A website. This website is in English and displays a selection of shirts I want to buy and in my very large size. I tried to order a couple. When I got to destination address (what country) I discovered C&A don't deliver to the UK. Deliver to nearly all Europe. What happened to their UK stores?? Matalan sell Morley shirts that are designed to suit me but only go up to 2XL. Is there a C&A Outlet shop in UK.??
  10. Just found out there is no Citroen dealer in the county of Fife or indeed Dundee. Makes me wonder what is going on with them, as Citroen used to be good sellers in this area. Not convenient for spares & replacement cars.
  11. Historic day for the military as all roles are opened to women READ MORE HERE: https://www.gov.uk/government/news/historic-day-for-the-military-as-all-roles-are-opened-to-women
  12. My niece and her mother were subjected to an arson attack on their home over 4 weeks ago. Police are investigating and the fire brigade have already been and reported that the occupants should not be living in the property due to fire damage and smoke inhalation. They live in a multi-occupancy home, with their home on one side and a neighbours on the other. Their neighbours home also sustained some damage on their doors and smoke inside their home. Hyde has sent numerous contractors to try and clean the soot from the walls but it is still there, electricians to put in temporary battery p
  13. I have a credit card debt being collected by wescot , I stopped all contact with them for numerous reasons and now they are sending letters to my mother in-laws house stating they know I live there , I don't and never have , surely this against the law
  14. Disclosure and Barring Service Email addresses are changing READ MORE HERE: https://www.gov.uk/government/news/dbs-email-addresses-are-changing
  15. I was a Lloyds TSB customer for 30 years. Lloyds left some years ago and took all the sensible staff with them. The place is a complete shambles now. I was embroiled in all the TSB nonsense in April. They refused to let me close my accounts online or by phone. I hadn't been able to access them for 6 days. I had to go to the Boothferry Road, Goole branch where pensionable staff took 40 minutes to decide how to shut them down. I was then handed £2000 in notes, without having them counted out in front of me. We are currently embroiled in a county court claim because I made a subject acces
  16. I hired a van from Sixt Car Hire in Leeds in early June in order to move my belongings to a new house. I hired the van just for the day and used Sixt as the prices were competitive and they were located nearby. When I picked up the van I was shown around it and giving a considerably long list of pre-existing damages. It was clear the van had been in quite a few incidents before as there was considerable dents, scuffs, scratches etc. When I rent a car I usually take my own pictures of the car but stupidly didn’t in this case mostly due to the tight time schedule I had for being a
  17. Hi I pay smpl on Morgage but they are Acenden now. I've just sent them a Sar in the hope of reclaiming charges as I know I was in arrears about 7 or more years ago with capstone what's my chance of success here? I've just noticed they have cashed the cheque and £10 has been credited to my Morgage account. Is this normal practise?
  18. Ace and Studio customers who purchased optional accidental damage and theft insurance are entitled to a refund Through our own review we have identified concerns with this insurance, which was sold through the Ace and Studio brands, and have notified the FCA. We concluded, along with the FCA that the insurance did not provide adequate value to customers. Therefore, together with Assurant General Insurance Limited and ANV (which is now part of AmTrust at Lloyd's) who were at various times the underwriters of the insurance, we wish to put customers back in the position that they would have
  19. Ace and Studio customers who purchased optional accidental damage and theft insurance are entitled to a refund Through our own review we have identified concerns with this insurance, which was sold through the Ace and Studio brands, and have notified the FCA. We concluded, along with the FCA that the insurance did not provide adequate value to customers. Therefore, together with Assurant General Insurance Limited and ANV (which is now part of AmTrust at Lloyd's) who were at various times the underwriters of the insurance, we wish to put customers back in the position that they would have
  20. Having some issues with O2 as of March this year as they have decided to link 2 accounts for another person with the same name and DOB as myself, however this other person has a middle name and i do not. I do not have any accounts with O2. 18/3/18 Received letter stating i was in breach of contract for not paying my O2 bill. 22/3/18 Received letter telling me they had stopped me making calls and texts. 23/3/18 Checked call credit report and O2 had already linked my address with the debtors in Janurary 18 and had both accounts listed. 23/3/18 Emailed call credit stating the i
  21. Hi All, At the start of June I ordered some tools from an online seller (Uni-Thread LTD) which were shipped via Royal Mail with an un-recorded next day service. After about 3 weeks* I called the seller to find out what had happened and after some investigation RM tracking said the parcel had been delivered - no signature or any further details. *The reason for the 3 week delay is I didn't get a confirmation email or invoice from the seller, so assumed there had been some error and it had failed to go through. It's only when looking back through my accounts that I saw the money had a
  22. I have a mobile account with o2, my bill is late by 1 1/2 months at this point as ive had a few financial issues this month. I am expecting a bit of a cash boost into my account this week due to selling a few items and the money being transferred via paypal. I expect to have it in my account by monday. However in the space of this month 1/2 I havnt paid my bill ive had a disconnection notice last week on the Thursday saying the account had been disconnected but if action is taken that can be reversed if the monies owed are paid, thats happened slightly fast (because its not
  23. I defaulted on a bridging loan and Receivers have been appointed. They have secured the property (changed the locks) and have asked me to book a time to remove my belongings (Torts Notice served). The property was and is my home and my only home but I have not lived there since taking out the bridging loan is because the loan was unregulated and I did not want to be in breach of the terms. However, it was never rented out; in fact, I never removed my belongings from the property. I have never desired to be landlord and the only reason for taking out the loan was to keep my home. This
  24. Four unknown soldiers killed during WW1 are laid to rest with full military honours READ MORE HERE: https://www.gov.uk/government/news/four-unknown-soldiers-killed-during-ww1-are-laid-to-rest-with-full-military-honours
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