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About Me


Found 24 results

  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. CIFAS handled ny complaint against an application fraud warning in a reckless manner. I decided to take CIFAS to Court. I would like some insights as whether or not CIFAS is subject to Consumer Rights Act 2015 for service provisions? My second question is: are there precedents of consumers taking CIFAS to Court?
  3. Does anyone have experience of challenging the 20% discount repayment for Right to Buy terms with a local council in the final six months of the five year no move rule. There is a proviso written in the contract that says in exceptional circumstances they will waive this. Would anyone know what these exceptional circumstances might be, or if there has been a successful challenge. I have been told it would be too costly to ask and I would be unsuccessful if I engaged a solicitor to do this hence my post to clarify this would be the case. Thanks in advance.
  4. 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
  5. Dear All First of all, thank God for Forums like this and people who care enought to devote precious time to assist others in debt. A Debt collection firm, issued a claim, the progress of which was halted by a CCA request. It has finally come back, after a year following request, with what appears to be a copy of a signed agreement and t&cs and statement of account. Amount seeking is over £3,150. Can't claim time barred, owing to previous payments. They say they can proceed to seeking judgment unless payment arrangement is set up. They trade u
  6. Hi all, Got the little brown letter through the post today - what a farce. It certainly seems to me that they have been deliberately vague and limited in their reasoning. There is absolutely no detail, findings of fact and how those facts apply to the relevant descriptors. They may as well have simply said "sorry, your claim is refused" and it would have been just as meaningful. What is the best way to go ahead challenging this? I understand the average MR request is successful. Is it best to get the medical assessment report then put something in writing to the DWP? I und
  7. im really confued as i didnt attend the medical but sent off a form explaining why , i then recieved a letter back saying :"we have looked at your reasons for not attending a decision maker says you are capable of work from the 15.04.2010 " (this box was ticked) then underneath is says "this means we have decided that you are no longer entilted to which were : Box One : Incapacity Benefit And National Insurance Credits Box Two : Severe Disablement Allowance Box Three : National Insurance Credits The Box They Ticked For Me Were Just : The 3rd One "National Insurance Credits"
  8. Hi Everyone, I'm looking for some help/support on getting a couple of defaults challenged on my credit file. In short, 3 years ago I lost my job, got behind with a few bills and didn't realise at the time - but got stuck with a couple default notices. The debts have long been paid off in full and now 3 years on my income is good, my job is stable and I want to move up the property ladder. However, my credit report is stopping me from getting a mortgage, which is obviously frustrating. I wrote to Capital One essentially telling them I was surprised at
  9. I have a couple of questions I'm hoping someone can offer some advice with. I have a secured loan with Southern Pacific (Acenden) for £5500 taken out in 2006 and is due to finish at the end of April. In 2007 I was made redundant, got in to approximately £400 of arrears and was taken to court and ordered to pay the full monthly payment plus £20 per month towards the arrears. T his I did but Acenden added a £30 arrears fee each month to the arrears, hence I had no chance of ever repaying these arrears. The situation is that I now owe £12k which is due
  10. I have a contract with EE. I was browsing facebook and clicked on a link. I immediately received a text telling me I was subscribed to a service costing £4.50 per week. Needless to say, I do not feel I consented to this. Certainly not enough to form a contract by simply clicking a link. I spoke to customer services at EE who assured me the charge was cancelled. However, they have let this company charge me for 6 weeks now and have now refused to refund the charges saying that it has nothing to do with them. EE have simply referred me to PhonePayPlus etc. I think we all know that the compa
  11. Dear all, I have had an unfortunate experience with the General Dental Council (GDC) - they made a total hot mess (putting it mildly and politely) of a complaint I presented to them regarding a dentist on their register. I have initiated their complaints procedure and the response I eventually received some months later only added to my concerns. I understand I need to challenge their decision through the courts (high court it seems). Does anyone know the deadlines for this as I fear I have missed this due to the deliberate delay in receiving a response to my complaint? Also, d
  12. Could I please have opinions as to whether this guarantor agreement linked below would be legally upheld - the landlord referred on this to is actually the letting agent, and the witness is also an employee of the same agent. A county court claim has been issued for an amount of rent oustanding less than £1000 but has nearly doubled due to their charges and fees despite the claim form stating no solicitor has been instructed... No breakdown of fees was given with the tenancy agreement (referred to as an appendix but not provided) and has been requested twice but not provided so we are mi
  13. Hello, First, look at the Google Street View here: http://goo.gl/maps/3uGzt This is a cul-de-sac with a few residential houses further down the road. No shops or businesses apart from a lone GP surgery. And a pedestrian entrance to a multi-storey car park. Until 2003, the road had 11 time-limited parking bays along its eastern side. This was sufficient as it was at the heart of an industrial estate at the time. What can now be seen as a shiny new residential development along the street, was then a power station. In 2003, a new, privately-owned multi-storey car park was ope
  14. Approx a year ago I asked Arrow Global to "prove" a debt they alleged against me. A year on they were still applying default notices and data on my credit file. For months I had been asking them to remove this data all of which was refused and met with "we are still investigating" As this was not getting any anywhere I emailed the CEO tdrury@arrowglobal.net who passed it on to someone else and I got a reply within 48hrs. So here is the reply in all its glory To be clear they are not chasing the debt at this time, I am requestin
  15. Due to extensive renovation work when I purchased my house, it needed my local Valuation Board to band it. They banded it E in 2004 (despite me purchasing the house in 2002). I accepted this as I didn't expect the Band to be different from the neighbouring properties which are all the same size. With the mass of information on the internet in 2009 I asked the Valuation Board to look at my Band and they visited the house, confirmed it was the same as the neighbours', but stated I could not appeal as I was outwith the six months and so was "statute barred". I have argued this over previous yea
  16. On more than one occasion I have been lied to, deceived, misled and threatened by advisers at Jobcentre. If only I could prove it!!!!! My questions are these; 1. Is it within the law for me to record interviews with advisers at Jobcentre on a pocket recording device without notifying the adviser? 2. Would evidence of any of the above misdemeanours, or maladministration of any kind, gathered by using such a device in such a way be admissible at a hearing or tribunal?
  17. I have been in receipt of lobs seekers allowance in a couples claim with my Husband the amount we have been getting is £222.05 per week, due to my Husbands age he was not required to sign on as he is over pension credit age. On 5th April he reached state pension age and I informed the DWP on a change of circumstances form and attached a letter from the Pensions people to say he would get his pension from 8th April (paid in arrears on 14th April). I signed in as normal on 16th April and also informed them on my work seekers diary about the change of circumstances however the ne
  18. Advisors guide [ATTACH=CONFIG]49002[/ATTACH] Website for guide and further information http://www.revenuebenefits.org.uk/tax-credits/guidance/how-to-deal-with-hmrc/challenging-overpayments/
  19. Hi, I received a parking ticket on Friday and when I challenged the one sign on a long street saying pay at meter. The nearest metre to my car was over two blocks away. When I explained to the traffic warden that I didn't feel that the sign was sufficient he advised me to appeal as 'a lot of people complain to about the parking notices around this area and the nearest payment machine is way down the road'. Can anyone advise whether they think it would be worth appealing under these circumstances? Thanks for any advice. Anedar
  20. I was told they were being challenged but i've heard nothing about it? I keep reading about frankly scandalous and shocking cases affecting people a lot worse than me and it seems like it's only going to get worse. I watch some news and political programmes and i never see it being a addressed at alll; why not? It's just sheer lunacy what's going on and i've thought about trying to return to work to avoid the uncertainty and difficulty of all these reforms. How they can get away with it? It's bad enough dealing with a health condition without the added pressure of some seemingly na
  21. Hi all, Please see this about PIP. help make a callenge to this [problem] that the DWP are doing. Challenging Personal Independent Payments mobility reduction to 20 metres. From Rightsnet, Leigh Day solicitors and human rights barristers from Doughty Street Chambers have advised campaigners that the lowering of the distance criteria for Personal Independence Payments mobility from 50 metres to 20 metres could be unlawful. They are considering how to challenge the regulations. To do so, of course, they need claimants whose circumstances make them suitable candidates to
  22. Hi all I have just been helping my sister check her credit file for the first time. As it stands everything looks fine apart from a default from May 2008 registered by Arrow Global Ltd for £161. My sister did mention that she'd had some issues with someone fraudulently using her name years ago as part of a [problem] with a mail order catalogue but believes this was resolved at the time. She has no idea what this is for and is not aware of every receiving any type of default notice from anyone. Is there a standard request she can fire off to Arrow Global Ltd askin
  23. Hello all, What an amazing forum! It is a bit of a maze for a new user to navigate to the correct area so I hope I am asking the correct question in the correct place. I have a number of creditors, both secured and unsecured. I have defaults across the board after running into financial difficulties over the past couple of years. I seem to have turned a corner financially now and I am keen to clean up my credit rating; using creditexpert, I have a 540 score which is 'very poor'. I have a couple of questions related to getting a better credit score... 1. I have
  24. I have received a PCN for my car being "parked in a restricted street during prescribed hours." I parked in front of a school playground entrance that was bricked up about four years ago. Shortly after the bricking up, the yellow zigzags were ground away and the sign removed. One very faint zig (or zag) remains, with the rest being hidden by a layer of tarmac. A yellow line remains, but is not continuous, as it is partly covered by the tarmac for its entire length and sections of it are either completely covered or have been worn away. The only sign prohibits park
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