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Found 24 results

  1. Hi all, Apologies if this post is in the wrong forum, had a look and wasn't sure where to put it. Back in 2015 I obtained a referral to a specialist consultant for a health issue via my health insurer Pru/Vitality. I was issued with a claim number, claim was allowed, saw the consultant and that was that. I had previously seen him under the same process. In 2016 I started to get letters from the consultant's office demanding payment for my 2015 visit. I explained that I had a valid claim via my insurer and told them to take it up with them. A few months later, same thing.
  2. Hi I'm looking for a bit of advice regarding a debt collection agency that is hounding me at the moment... I have a few very old debts,credit cards and Catalogue debt that will be statute barred come December but this debt collector is now planning to issue CCJ's on them... There's a couple of these debts where i have grounds to dispute them as they are actually not my fault as the originally company just didn't attempt to take any payments off me for over 12 months and when they realised they demanded all the back payments all at once... My question is are there guideline
  3. My daughter took her ex to court over monies he owed her, currently standing at over £6k. She won but he paid her nothing a year later she went back to court and the judge awarded her a Charging Order over his property (he co-owns with a previous ex). She has tried to register the Charge with the Land Registry but they appear to have awarded a Restriction. What is the difference and what should she do?
  4. How do these work exactly. I have a loan with Mobile money but they don't have the log book as they gave me the loan when I first had the car and had sent off for the log book. As I am now in financial difficulties with them, how can they seize the car without the book? Also, could I still sell the car and then pay them back rather than them seizing it and selling it cheap?
  5. Hello, I am a newbie here. Hi, curious to know what Difference Between the current default Balance is? I have 3 defaulted account 1 shown the Default Balance as 2198.37 & the Current Balance as £2002.56 The Other One Shows the Default Balance as £567.00 but The Current Balance As £577.00 in the Third one both the Default & Current is the same . but I have not Acknowleged it or made any payment to any of them since the Default appeared. what do these mean? Current vs Default and in the context of my file . P.S : I noticed these Balances changed somewhere duri
  6. Am I right in thinking that the HCEO employ there own bailiffs and there are also independent bailiff companies and are they part of the HCEO ?
  7. This week, Glasgow councillors are expected to agree to a new partnership with Glasgow Credit Union. The two year pilot Partnership Mortgage Guarantee Scheme will provide house hunters who can afford to pay a mortgage but cannot raise the necessary deposit. At present, lenders are demanding deposits of between 5% and 25%, which for many people on low incomes is impossible to raise. Glasgow Credit Union will allocate up to £4million in mortgage funding over the period. The council will act as a guarantor for the loan over a maximum five year period, up to a maximum of 20% of
  8. Hi all, First of all I have been a bit cheeky, but if anybody could clarify the below it would be appreciated. I returned to the UK last month and the SLC want 5 grand off me upfront for loan arrears and additionally I need to pay the remainder of the debt off via the PAYE system. The amount to be paid off via the PAYE is for around another 10k and will be paid off in due course. My question, as I cannot afford to pay off the full 5k. Has anybody been in this position before and if so what was the outcome? I hoped that the arrears would be consolidated with the remainder and I
  9. If you had administrative action taken against you as a result of a police caution it may be that you have grounds for a complaint. If you have now left the armed forces and had administrative action taken against you as a result of a police caution between December 2008 and September 2011, it may be that you have grounds for a complaint. The MOD has written to serving and former serving personnel because of changes to the law which took effect in December 2008 that meant such cautions should not have been taken into account after that date. However, whilst action has been taken to c
  10. Hi guys, So this case was a bit awkward. Actually it happened today (Saturday) around 8:30am when I was unloading my van between 2 signs with different restrictions which makes me a bit confused. 1 Sign had written "No loading Mon - Fri Xam - Xpm" and the other one had written "No loading Saturday 8am - 10pm" and throughout the footpath I had the single yellow line with the vertical single yellow line. Do I have any ground to appeal in this case? As I was in the middle (between) of this 2 different signs Thanks in advance!
  11. My noddle report is pretty poor as it has 2 defaults on it which are 5 years old (and both currently being disputed). Today I paid the fee and viewed my experian report and that says I have excellent credit and no record of the 2 defaults? I have an old experian report from 2012 and that has one of the defaults on it, but not the other, but now they no longer appear on it. I even called experian to check, and she said there was no active record for them, so they are not part of the credit report. My 2012 report was in the region of ~700, but now it's mid 900's, and even says at the top t
  12. Having found a new car at a dealership, agreed price, paid deposit and agreed a collection date, we find the car STILL on the dealers website (actual car) but £500 LESS than we agreed. How do we stand with holding the dealer to the lower price? We are days away from collection.
  13. Hoping to go away a few times this year and am looking at travel insurance. I've been given quotes that range from £30-£100 ish. But is there really that much difference between the insurance that each company offers? I've had a look on compare the market and put my details in to see what comes up. I am aware that some compaies won't come up on comparison websites.
  14. Hi I recently sent a CCA request for the card I took out with RBS in 1999. This was an Advanta card. A few years later the card changed to Mint. My CCA request produced the information for the Advanta card but not for the Mint card. Can anyone remember if the T & Cs were different for the Mint card and if a new CCA had to be signed? Thanks suvin
  15. http://uk.finance.yahoo.com/news/cancelled-car-insurance-could-owed-124427989.html
  16. Good afternoon, Whilst sharing a property we came into council tax arrears over a few years which resulted in a bill for a few thousand pounds. Documents were served to myself and the other person from sheriffs officers. Myself and the other party no longer live at the address where the arrears took place but we both agreed to pay half each of the arrears. My half is almost paid but the other party is now refusing to pay their half. As the arrears is in both our names, my question is where do i stand once i pay half of the arrears and then stop paying. I am going to inform the sherif
  17. I am disabled and I live in a ground floor flat which is one of four flats, converted from two adjacent council houses. My neighbour, in the ground floor flat, next door, is also disabled. I have lived in my flat since 1991. About twelve years ago, my then neighbour moved out and that flat was renovated and the overgrown garden was cleared. A temporary beech and wire fence was erected, by the contractors but, despite several approaches to the council, no permanent fence was erected. At that time, the Council used the services of NACRO to assist in keeping the gardens tidy but thi
  18. My wife has had to have two assessments in the last few years whilst on ESA, due to her ill health and mental health issues. She scored a 0 on the first one, we appealed, and 2 years later the appeal went through and we scored 19 points (not much of a difference, eh?) and we got our benefit back. 7 months later, they sent he for assessment again. Once again, she scored zero. We went back to appeal, 13 months later it went through and we scored 18 points We went back to the full rate in March of this year. It's now just the start of June, and we're being told she has to be asses
  19. Hi could someone please explain the difference between LPA & Fixed Charge Receivers? Have recieved a letter from the LPA receivers solicitor refering to the fixed charge receivers. Have ust read that LPA receivers are incorrectly refered to as fixed charge receivers but it doesnt explain the difference. Any help would be appreciated thanks.
  20. http://www.lancashiretelegraph.co.uk/news/hyndburn/10110170.Firm_refuses_to_refund_tickets_to_Hyndburn_residents/
  21. Financial Mail has obtained details of the HSBC bank branches that will shut between now and the end of the year. SEPTEMBER 28: Darwen, Lancashire Hove, East Sussex OCTOBER 5: Nailsworth, Gloucestershire St Pauls, London Leadenhall, London 12: Edenbridge, Kent Shildon, County Durham 26: Corwen, Denbighshire NOVEMBER 2: Caerleon, Gwent 12: Hunts Cross, Liverpool 16: Swaffham, Norfolk 23: Kibworth, Leicestershire 30: Helmsley, North Yorkshire Chipping Campden, Gloucestershire Appleby, Cumbria DECEMBER 7: Barnes, L
  22. Someone wants to buy something from me via bank transfer, they need my account number and sort code, is it safe t give this information? especially as I dont know them, or os it safe to do so? Thanks
  23. Barclays publishes "smoking gun" email that reveals conversation between the Deputy Governor of the Bank of England Paul Tucker and Bob Diamond over key bank lending rate. http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/9371778/Barclays-scandal-Bob-Diamond-resigns-live.html
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