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  1. I have received a Claim form from Reston Solicitors representing ARROW Global, who has bought the debt from HSBC. This debt goes back to a loan I had with HSBC which was taken out sometime in 2010 , but I stopped making payments on it in 2012 when I became unemployed. Since then, ARROW have been contacting me but I have not responded. I do not know if a default notice was issued since I have been ignoring all debts except priority debts since 2014 when I started working again. I am now in full time employment, have a spouse who unfortunately is not working, and two ch
  2. Hi, I've just found myself in a situation, whereby I was caught without money in my account on the day by DD was due - and now I'm being charged the £25. However, I would like to carry on using the gym, - and not pay the £25 - is that possible? Very annoyed, as I really am enjoying the gym - particularly because it's a good hobby when I don't have much money! However, my integrity is swelling, and I can't bring myself to let them rob me.
  3. Invoiced by A S Parking at Hayle beach. It is coming up to 21 days ( argh missed the 14 day early window). Terrible weather and annoyingly had checked and flipped the ticket once but then someone must have shut a different door and it flipped again. Company clearly state they don't care about any mitigating circumstances. Very steep charge £100 (£60 if id paid early). Is there anything i can do? They haven't written to the reg keeper yet (which is also me) would i get another discounted period then? The only ticketing error/issue i can see is that the printi
  4. I am on the new style loan and after moving repeatedly I haven't had any contact since 2015. I now live in France and was wondering if anyone has ever successfully lost student loans? Would I be unable to return to the U.K if they have lost me?
  5. Evening Peeps, newbie here. I used to be a member a long time ago and found the info on here very helpful. So thankyou ! I have now got a clean bill of health on my credit score, but still owe debts to various DCA's. My question is - can a DCA still try and issue a CCJ, even after say 8 years of the original default account ( notice of default has been isssued ) - my accounts have ALL dropped of the various CRA's as they all defaulted many years ago ( over six years ago ) - I am still paying them via a DMP. To summarise all debts are over 8 years old now. And I a
  6. After the bad weather a couple of weeks ago, I noticed a damp patch on the ceiling in one of the bedrooms, and upon further investigation, several smaller patches in the back bedroom. So I went outside with my binoculars and had a good look at the roof front and back... I could see no damage, loose/slipped tiles or anything obvious. I got the step ladder out and pocked my head into the loft, and discovered that a load of the roofing felt has ripped away, exposing the underside of the tiles and batons. Contacted the buildings insurance and they arranged a roofer to come out and inspec
  7. Later this month, the long awaited Mersey Gateway will open to the public. The Mersey Gateway and the Silver Jubilee Bridges will both be tolled. The tolling system is called Merseyflow and will be operated by Emovis who operate the Dartford Crossing. In the same way as the Dartford Crossing, if payment of the toll is not paid by midnight the day after the crossing a Penalty Charge Notice will be issued for the amount of £40 (plus the unpaid toll fee). This sum will be reduced to a discounted rate of £20 if paid within the first 14 days of being issued. If the Penalty Ch
  8. I started an important thread earlier today concerning a recent court judgment where a debtor was ordered to pay £7,000 in costs after losing his claim against Harrow Council and their agent; Newlyn. The background and Judgment can be read by way of the following link: http://www.consumeractiongroup.co.uk/forum/showthread.php?477808-Paying-the-creditor-direct-to-avoid-paying-bailiff-fees-has-landed-a-debtor-with-a-%A37-000-cost-order.(32-Viewing)-nbsp To ensure that the original thread does not go 'off topic', discussions about the judgment can be posted here.
  9. When the enforcement regulations were overhauled in 2014, they provided a radical change whereby, a debtor could repay their debt by way of a payment arrangement (usually over a period of approx 3-4 months). Such payment arrangements need to be set up within the very strict time frame outlined on the Notice of Enforcement. This period of time is referred to as the 'Compliance stage' and as long as a payment arrangement is agreed by the date and time given on the notice, an enforcement visit will not be required, and this will save the debtor incurring an enforcement fee of £235. The ‘com
  10. If you are self-employed and you are owed money from a company (construction) for an unpaid invoice and you start court proceeding's can they close the company down before it gets to the court date and if they can is their any way of stopping them doing this Thanks
  11. The Local Government Ombudsman's office has just released the following decision. Re: London Borough of Haringey. The complaint 1. The complainant, who I shall call Ms A, complains the Council allowed her to make payment towards an outstanding Penalty Charge Notice (PCN) although it had passed the matter to its enforcement agents (bailiffs), incurring additional costs. What I found 4 The Council issued Ms A a PCN for a parking contravention on 29 September 2015. Ms A did not pay or make formal representations against the PCN so the Council pursued th
  12. My husband recently engaged The Claims Guys to do a free PPI check for him (much to my horror) and surprise, surprise, they are now demanding payment of over £2000 for the first compensation pay-out (30% plus VAT). I object strongly to paying these jokers anything at all, but despite interrogating my husband, I can't seem to work out how they got from free check to binding contract. I believe he only signed letters of authority for 2 companies (he can't remember which ones) but we have already been contacted by 3 companies so I really don't know what is going on.
  13. Hi , I heard a legend about something that happened to a friend of a friend: They were stopped on British Rail allegedly without means to pay and intent not to pay, They changed address. Summons Letter went to the wrong address They missed the court date. (A month ago) Only recently. the occupant of previous address notified them of the letter. They have been advised to do the following steps: 1. call the court ask for Statutory Declaration to re-open the case. 2. This will trigger an interview to decide on re-opening and they will be asked for their plea.. 3. Do no
  14. I normally manage to avoid the store exit reps, those who are selling double glazing, conservatories etc, However, yesterday whilst I was at the Range, I got caught by a lady working for a law firm offering an hour's free advice on how to avoid assets being gobbled up by Care Home Fees and Inheritance Tax. I have already written a will, as has hubby, with the help of our own solicitor - we are tenants in common on a mortgage free property and have both nominated our son to inherit our share of the property and assets in the event one of us dies before the other. The chances o
  15. Today I received a PCN for a bus lane violation from Brent Council for straying into the bus lane on 15/08/16. The picture clearly shows me in the bus lane. It also clearly shows a truck parked in the opposite lane which is forcing an oncoming car into my lane, thus I have to move into the empty bus lane momentarily to avoid going into the oncoming car which has clearly strayed into my lane. This is all evident in the picture so how can this be an offence?! According to the PCN there are only 4 grounds for appeal: 1. Recipient was not the owner 2. There was no breach of the
  16. Serious problems with my online savings account. I set up a post office online savings account 5 months ago because of the 1.20% interest rate. From day 1 it's been a nightmare. Firstly they have 2 options for depositing money. Direct debit or payment via a debit card. My first deposit was via direct debit and took 6 days to clear. My other deposits were made via debit card and they usually take 3 days to clear. It wasn't long back I needed to transfer some money from my savings account back to my main bank account. I entered my details and was met with a
  17. The ABLE GROUP provide property maintenance services, ie glaziers, locksmiths, plumbers, electricians, drainage, gas, heating, pest control, etc. Please note however: If you need any such services, I suggest you look elsewhere. I have had the most horrendous experience with them and I hope my post helps others avoid going through the same horror story. Booked them to clear my house external drains, was quoted £114 to have them 4 drains unblocked. On the 7th of April, their Eng. came out, informed that the drains were now in good working order. My other half took his word for it
  18. Pension s cams, in which criminals cheat people out of their pension pots, are increasing. There are different types of s cam. They often begin by someone giving you a ‘cold call’ - contacting you unexpectedly about: an investment or other business opportunity that you’ve not previously spoken to them about taking your pension money before you’re 55 the ways that you can invest your pension money A cold call doesn’t have to be a telephone call. It can be any type of contact they’ve made with you unexpectedly, eg an email. S cammers may offer you tempting ways to
  19. With bailiff enforcement, goods belonging to the debtor become 'bound' from a certain date (more on this later). In simple terms, this means that unless the person who acquired the goods did so in 'good faith' .....for 'valuable consideration' and most importantly; 'without knowing about a warrant' then the transfer or sale will not be considered valid and accordingly, the goods (mainly a motor vehicle) can be seized by the enforcement agent. It is becoming a very common situation indeed for debtors to attempt to 'sell' (or transfer) a car to a friend, partner of relative after re
  20. http://www.bbc.com/news/technology-35925146 And of course the number is much higher than the ombudsman has recorded – and it is probably very much higher than anyone can possibly imagine. Vodafone is competing with npower for the worst possible systems and the worst possible customer service. Anyone considering getting a new mobile phone contract would do well to avoid Vodafone.
  21. My mate that is a copper asked me a really strange question regarding this subject. He had stopped a vehicle in this case no VED (tax) that had its owner listed at a mail box. The owner said he was homeless and living in the car. Unfortunately for this driver there was a warrant out for their arrest for non-payment of fines. (traffic offences) unfortunately he was arrested and put before the Courts the next day. As for hiding his home address behind the mailbox we discovered that under the DVLA rules you have to register a vehicle at a residential address. The rules for this are in
  22. We were palmed off with these cowboys by the Mortgage point (Liverpool) when we first moved house. What we were not told was that we were stuck with this outfit for the first three or four years on a two year fixed rate meaning the extra years were being charged at a much higher interest rate. Due to illness I can no longer work so changing provider is more or less impossible, we are stuck with them. We tried to get solar panels to cut our ever rising energy bill but GE refuses to give permission, one of only a very few companies to not allow this because, and I quote, " we (GE Money)own th
  23. Knowhow Coverplan is the worst company I have EVER dealt with. I bought an expensive computer in PC world as I am currently a PhD student. It was approx 1200 euro and covered it with them. It was stolen in Athens in June. I filled in the documents and had a police report etc etc and sent it all in. Weeks later I had heard nothing and contacted them. After a long wait I got a guy who said it had been processed and they had sent me a cheque but that it could take TWENTY EIGHT days to arrive. 28 days to get from England to Ireland ??? I
  24. I looked around and it looks like Kwik Fit is very "kwik" to cancel unilaterally car policies. Obviously they must be making a good profit out of that, right? It happened to me too. I get paid weekly, and Direct Debits which are imposed as the only payment method by most insurers, are maybe good for monthly salaries, but matching a date of the month to a day of the week when I get paid weekly, is a total nightmare. So, after a text message telling me of the usual 7 day notice and asking to get in touch, I sent Kwik Fit an email via their website for customers, on Tuesday 16th of June
  25. Hi all, I am an IT developer and my work is to write software for my employer's website. I am having a bit of trouble at work. I recently finished 2 years with my current employer. My head of department has started first phase of a capability process. It means he discusses with me issues and will observe my performance for one month. He has put two points 1. My interaction with the team and 2. Do it right first time. I recently worked on a project along with another developer. I took lot of initiatives on this project and did 80% of work. So it was kind of assumed that I am responsible for t
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