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Found 18 results

  1. Hi, new user here but long time browser. I am after some advice on a situation I am currently involved in... On 30/04/2018, I was driving home with my wife and 22 month child in my 2016 Audi A4 which has done 19,500 on the clock. Whilst driving, I lose control as if I had burst my tyre and upon regaining control and parking, I inspect the car to find the front passenger wishbone snapped off. The car was towed back to Audi in Coventry to be inspected and I was informed that I must have hit something as there was under tray damage as well as to the gear box liner. The issue is th
  2. Just got a NIP in the post recently, 39 in a 30 zone. What's the likelihood of of avoiding 3 pts and being offered the speed awareness course? I'm clean, no points ever, in 30 years driving history. It was from Thames Valley Police in case that has a bearing. Lastly, I'm not sure if it was me or the missus at that time? We share a car and i'm 70% it was me but can't be 100% sure. Under the circumstances, I'm going to supply my details and take the punishment. Anything wrong with this approach? thanks
  3. Hi All, Can someone let me know what my chances of getting a refund from these PDL is? All the loans were repaid, except my last ever one with Payday Express which remains unpaid as a default on my credit file. I have read elsewhere that proving affordability is key, but in the case of PDUK/Express despite them being smaller/less loans - can I expect them to atleast write-off/remove the default on the basis, my credit file was trashed, my income was circa £1000k p/m at the time and I had numerous other loans out with both their sister company and other PDL? I have issued the te
  4. Guys, I have just had my parking fine appeal refused by POPLA. I believe I am in the right with this and was prepared to take it to the next level if Armtrac (the car park operator) wish to do so. The questions I was looking to get some response to are: 1) “should I lose the case, how much more expenses than the £100 fine could there be e.g. with legal costs etc of Armtrac, cost of hearing etc??? In a similar vein if I win the case can I claim against Armtrac? I am retired but work just a few days a year as a consultant for which my fees are substantial –
  5. I've had a search around the forums and haven't found much in this regard, at least not where JD Williams/SimplyBe/Jacamo are concerned. Just a summary - in 2011/12 due to redundancy/ill health I got into some financial difficulties, end result is I have 3 defaults which I'm still contending with, but have repayment plans for and I'm currently trying to resolve/end. Besides these 3 accounts and since 2013 my credit history is perfect (bar the three accounts I mentioned). I worked hard to keep it this way so that when those defaults drop off my file at some point my
  6. Hi, I've had a read through previous posts and was hoping for some advice on our current situation. We entered debt management plan in Jan 2013 (70k credit cards & bank loans). Never missed on mortgage payments (1 residential & 2 buy to let) and these are currently up to date. We have a couple of properties which have finally increased in value and are hoping to sell this summer and get back on track. Our DMP has always been up to date. We were wondering what our chances were of obtaining a mortgage in future once we come out of the plan. Both of us
  7. I had a Barclaycard roundabout 2005 - I have only one statement as proof which shows a balance of £2,156. Account closed due to non payments and sent to 1st Credit debt collection agency in Oct 2006 with a balance of £2,541.90 outstanding. The debt was never settled as I had to leave my job to become a full time carer for husband with motor neurone disease. got a letter recently regarding 'Payment Break Plan' attached to this Barclaycard which showed first 4 digits of the account number, my name, address etc I am totally unsure of how to answer the questions to be su
  8. I have requested that CapOne write off my debt due to age related issues and ever decreasing finances as I'm retired on basic pension and pension credit (which gave me an increase of less than 2% this year and DLA which increased by 95p per week). I've been paying this religiously since 2010, only decreasing the debt by relatively small amounts, but which is still a drain on my finances. They keep banging on about me providing evidence of my "ill health" (age related conditions) and how it affects me and whether I can go back to work. I have been trying to get it through to them
  9. Hi I'm really need some advise on how to proceed with our local Honda dealer. We purchased our 2013 Honda Civic 1.6 EST from a Honda dealer in the north East in 2013. The car was 9 months old. It has been serviced by our local Honda dealer in March 2014 and again in Dec 2014. On the 2nd service the rear brake pads were replaced. The front pads were at 50% worn. End of March 2015 we noticed every time I braked a squealing noise would occur. We took it back to the Honda dealer who serviced the car and were told the front pads were 75% worn but the discs were fine. We have t
  10. I want to apply for a mortgage following a period of credit file clear up and wondered what my chances would be with the following: Me: I took some poor financial advice and decided to stop paying some unsecured debts in 2005/6, these defaulted, went unpaid and became statute barred in July 2013 and dropped from my credit file the month after. This leaves me with a 3 clean accounts and a Noddle Score of 4/5 and a Checkmyfile score of 789 - outside this I have a good job and can get together a 20-25% deposit with everything being affordable. Partner: Clean file
  11. So this is debt 3/8 ( god knows how I managed to get myself into so much trouble, young age and a need for a lavish life style has played havoc with my credit rating and now my finances ) There isn't really much to say on this one ... I got a loan from the infamous Wonga.com and due to being made jobless I was unable to pay it back on time. It then got passed onto Moorcroft who have accepted my offer of £5 pm with out much hassle from them. Would I be able to send them a CCA request letter ? Or does this not work with payday loans ? Thank You
  12. Hi guys, I purchased a car 2 weeks ago from a second hand dealer. I drove it the next day and on the way home (at night) and realised that the lighting on the dash had gone. I couldn't see how fast I was going, how much fuel I had etc. I thought, "I'll take that back tomorrow and get that fixed." The next morning (less than 48 hours after purchase), I noticed a massive oil puddle under the car I've just bought. I drove the car back to the dealer and he apologized and got a mechanic from the garage next door to take a look. When he dipped the tank, there was zero oil left n the car, i
  13. Hi wonder if someone could help me. I called the DVLA with regards to my driving license. Spoke with a woman,who was helpful and gave me information on how I could resolve my issue. On February 2005, I passed my practical driving test. Upon passing my test, I sent away for my full entitlement license and never gave it a second thought. Not long after this my family and I moved away from the UK. We rented out our home for the first few years and got any mail forwarded to us. I never received any correspondence from the DVLA stating that they hadn’t received my p
  14. I have (had) an excellent credit rating and have a job that would be affected I think by having a CCJ. My mum bought a property 15 years ago and put in my name but she continued to live in it, we had a deed of trust saying she was responsible for all the bills, and all bills were in her name, She passed away at the end of 2012 and I was her executor, I looked at all her papers and contacted all the relevant parties, utilities, council tax etc to let them know my details and that I was now responsible for bills. The property was a flat and there is a managing agent, I told them my deta
  15. How likely I am to get disability element on top of my working tax credits, based on the tax office guide lines, I think I would be entitled to the disability element, but dont know what the tax office would think I work 16+ hours per week Due to my health, I am unable to work, 5 days per week, or any long shifts now, so I only work 4 days ,and 6.5 hrs I have a secure job, in asda, so for me to find a new job, I think I would have some difficulty in doing so My health is poor, due to slow heart rate, high cholestral, and angina, easily get tired, and exhuasted. Have bee
  16. Hi all, In 2007 my wife and I were forced to close our business. We sold our house and went into rented. With job opportunities being few and far between for me I defaulted on two accounts and we took out a DMP with Payplan to keep a grip on things. I subsequently went self employed in my trade and have had a steady flow of work since. My wife got a full time job with a company and has been there for five years now. My question is, how likely would it be for us to get back on the housing ladder? We have maintained all of our commitments since 2008, but I still have these tw
  17. Last year I sold my house paid a ridiculous settlement to Swift and rid myself of any debt I had. While this has been a great weight off our shoulders and left us with some money behind us to buy again in a couple of years, I can't get rid of that feeling of injustice. We fell into arrears and the charges being applied were exhorbitant, to say the least. As a secured loan ( initial mortgage with NR ) what are the chances of realistically getting anything back from this bunch of crooks. I seriously don't know whether to just draw a line under it and move on with the rest of my
  18. Hello, I believe that you deal with such cases on this message board quite frequently, but I have some questions and I would welcome the opinions of local experienced folk. I am registered as a full-time university student (sorry for my English in advance, I am foreign) just finishing my masters programme, I did undertake a full-time undergraduate degree here in the UK in the past as well. I was in a full-time employment during these periods, I used to work on nights and I was studying on days. I got charged by Lloyds TSB plenty of times, as I was paying my university fees out
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