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  1. Hi all, I started a previous thread to share my general issues, but am posting in this section for specific advise relating to First Direct. Previous forum address here if anyone is interested: http://www.consumeractiongroup.co.uk/forum/showthread.php?458839-Low-income-6-year-old-debts-and-worrying-about-the-possibility-of-future-court-action I had an account with an overdraft, credit card and loan with First Direct (all pre Apr 2007). I defaulted on payments for the credit card and loan back in 2009, at which point, they closed my account, merging the credit card and overdra
  2. Name of Claimant: Marlin Europe Limited Date of issue: 02/04/14 What is the claim for? 1. The claimant claims the sum of £2488.72 being monies due from the defendant to the claimant under a regulated agreement between the defendant and CLYDESDALE and assigned to the claimant on 18/10/2006, notice of which has been provided to the defendant. 2. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. 3. The claimant claims
  3. Hi, I August I went to a local camera shops and brought a Sony camera. In the shop it was advertised at £239, when I went to pay it came up at £279 I asked why this was and was informed that the price advertised was with a £40 cash back that I had to claim back from Sony after 30 days. When the 30 days had passed tried claiming the cash back and the camera was not listed. Spoke to the shop and they are not doing anything about this, sent them a formal complaint saying I was not happy about the service I received and have not heard nothing back. I paid via my credit car
  4. I bouight a car from a private add in autotrader . I carried out an RAC hpi check and there were no issues. now a finance company (credit plus) claim its theirs and are taking me to court.
  5. Hi all, Thanks to anyone who would mind taking the time to read this and advise me if possible. I received a 2 fines from the magistrates court. 1 for no tv license (fair enough) and one for driving without insurance (although the car wasn't been driven it was just parked on my street as it was broken down and id transferred my insurance onto a new vehicle. Taxed to be on the road but didn't realise it had to be insured as well, my bad but I guess that's by the by). In the midst of this I was granted a debt relief order and was granted £300 by the official receiver
  6. Hi guys, I've requested a copy of a CCA a while back (all recorded delivery). I sent the £1 postal order, and waited the 12+2 working days for a reply. I never received a reply (after it was tracked - delivered), so I then sent the reminder - 30 days to respond (recorded). That was also ignored and I had no reply, so then I sent the 'Account in Dispute - Section 10 Notice' letter, which ended "I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 30 days from receiving this letter to contact me with your intentions to r
  7. I purchased a washing machine from Appliancesdirect and it failed to work properly from day1. A few days later I read the Trouble Shooting guide in the handbook. It suggested the fault was a shortage of water getting to the machine. I reported this to AD and their advisors agreed it looked like a faulty installation problem and they would get their carrier to come and check it out. Their carrier, Arrow XL ,did the installation. After many phone calls @13p/minute, and emails, I was informed that Arrow would send someone out the next day to check the machine. This failed t
  8. I was in a relationship with a man who was both physically and emotionally abusive. He had used my bank account to commit fraud and HSBC held me liable for the debt from the fraud which is £9,566. I managed to find another place to move to and made sure I was virtually untraceable on social media and the internet. I never told the police about the abuse at the time for fear of him being arrested then released and onto me. However I did report the fraud to the police through Action Fraud and they replied a few months later saying that they cannot follow up on it as there is not en
  9. Since Mrs Sev was diagnosed with Lewy Bodies Disease, I managed to get all her debt written off by the various DCA's that had been hounding her since her fortunes turned for the worse. It was a long fight and in the end we got there, thanks to this forum it's community and the infinite patience of the likes of dx100uk. I am in the process of going through old paperwork with a view on trying to recover as much as I can for her to help contribute towards her ongoing care. I have found old paperwork for the following: Barclaycard Visa and Mastercard Co-OP Visa Capital One Vi
  10. Just a quickie folks - am moving back to the UK from Portugal after 9 years away can I check my credit file as per my old address to see what has be recorded against me since I left Nothing major left behind just 5 small debts for utilities and credit accounts etc also a council tax bill for about £430 on a liability order which Im sure will bite me on the ass after return:oops: How should I play my return? Advice appreciated:-) Paul
  11. Hi I'm posting this on behalf of a friend who is at the end of her tether regarding the treatment she is receiving from the local Council. Long story short, she has been placed in temporary accomodation along with her 5 kids aged 2-14, having had to leave the emergency accomodation she was put in after her senile old father threw her and the kids out on the street one night. The house has the bog standard set up of front door, back door from lounge to the garden and a side door. She has only been given keys to the front door meaning she has very difficult access to the garden,
  12. Myself and a friend entered into an AST in 2008 with a private landlord where I was the lead tenant. Our deposit was placed with the DPS. Although we had a good relationship with the landlord throughout the tenancy, when we gave notice to quit in 2011 he seemed to take the matter personally and started being very standoffish with us. On our moving out date, the landlord did not attend the property. When we called his phone to find out where he was, it rang with a foreign dial tone and the call was rejected, so he wasn't even in the country and decided to ignore us. We ended up postin
  13. Hi all back in February last year I had my pre payment meters, both gas and electricity, changed so as I could pay by direct debit as I was struggling with illness and was in and out of hospital so was unable to top up on a regular basis. I gave my account details to setup the direct debits and the meters were changed and I was given the monthly amounts of £18 for electricity and £35 for gas. Roll on to July this year and I received a gas bill for £600 as they had not been taking the direct debit for the gas bud did so for the electric. I truly did not notice that the DD was n
  14. Hi I recently came in to possession of a photography light, through my works. It was broken so they let me have it. I assumed the repairers my company uses was overly priced without really knowing or trying them first. The problem occurred when I called upon another photographic retailer who also offers repairs. Again assuming it would be cheaper than where I work. Broken photography equipment is something I am familiar with and although my store does not actually fix anything we send it off to our sister company that completes our repairs and is quite well regarded in the industry.
  15. 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
  16. Its a long first post, but please bear with me...desperate? In 2001 i had a major epileptic seizure while at work, i have never had a seizure before and was taken to hospital.(where i spent the next 4 days) Over the next 6/12 months i was having quite a lot of tests done to see what brought on this seizure. In 2002 my wife and i bought our ex-council property,when we took out this mortgage we took out PPI i disclosed my illness which hadnt stopped me from working, and the seizures were now only partial and unfrequent there was no pattern to them at all. I was perhaps having ma
  17. I recently paid a £1000 debt to student loans - as they sent me a default notice - and I panicked as didn’t want my CRF damaged again - ( having now a clear record ) so paid immediately by debit card....... I’ve just found out that they ( student loans ) should of not sent the default letter to me asking for immediate payment - as they would of known it was statute barred ? Do I have case ? Or because I paid up I am stuffed - so too speak ? Any info much appreciated ? Thanks
  18. Hello...Had gas/electric supplied by Flow Energy until 6th May 2017 before switching to another company. Final bill issued by Flow Energy 13th June 2017 - advised they would take final d/d 14 days later. Have now received a letter on 2/5/18 from Allied Credit International Ltd from Glasgow stating that the amount is due. (Also, letter dated 23/4/18 but not received until 2/5/18). Have checked bank thoroughly and Flow Energy never took the final direct debit as they said they would at end of June 2017. Also never received any communication at any point from Flow Energy since that e
  19. Hi, I have accumulated some relatively large charges from HSBC Business over the last few years, mainly for unauthorised overdrafts. Is it possible to have any of these refunded? I am in quite a bit of financial difficulty at the minute. I dont have any lending on this business account. I would also like to keep the account open, so dont want to do anything to harm that if possible. Thanks for reading! Jamie
  20. 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
  21. Evening everyone, I recently purchased a 10 year old car for around £2-4000 below asking price. Also secured a 3 year warranty. All good. Drove it away and a 'Check Engine' light came on. Took it back and they plugged it in, fuel pump issue. Replaced that. Light still on - turbo issue. Took it too a garage, needs a new turbo costing £1800. As it's only one of them, the garage, under the Consumer Protection Act, will pay for it. Cool. Although, advised by the garage that if you replace one, you should replace both. Due to the, apparently, small profit margin, t
  22. That's right, our lovely DWP and JCP who want you to get back in to employment but when it comes to the crunch are unwilling to help you when you need a little bit of help and this set you up to FAIL! As you know I am on UC, I lost £95.00pm when moved from ESA and HB so am struggling. I have been applying for work but getting nowhere my work coach (work coach LOL) says to me "try registering with agencies and seeing if they can help" ... OK, I email a few agencies and I geta reply from Hays and speak with them on the phone about my work history and background etc. They te
  23. I have received my data to see if I could claim PPI and they state it was not applied. Okay but I did incur overlimit fees between 2008 and 2011 which I have not claimed back. Is there any point in trying to claim them back now? There are also entries called 'promotional interest' which are for less than 0.50 a time - might this be PPI?
  24. Hi guys, As always your advice is much appreciated. Lowell issued me a backdoor CCJ on 11.11.15 to my old address. However they were writing to me at my current address at that time regarding another debt. In fact they received our new address details on 17.09.15 and wrote to us on that date. Worth trying for a set aside?
  25. Hi Everyone, I really need some help and advise with an issue that I currently have with N Power please. My partner and I used to rent a small one bedroomed flat, which we moved out of in August of this year and everything was electric, we had no gas at the property. Whilst we lived there all bills made to N Power were made on time and yes they were always high but we just assumed this was normal. On the 14th February 2017 we received a bill from them telling us that our monthly payment has decreased from £94 per month to £21 per month and they also refunded us £559.57 b
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