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  1. Hi All I failed to pay back a credit card in 2013. In due course the card company defaulted me and posted the default with one or more of the credit reference agencies in October 2013. Lowell bought the debt and the account totally disappeared from my Noddle credit report. It has now reappeared with a single entry showing a default for September 2014 (even though the main body of the report shows the original default date) so in effect bringing forward the default date by eleven months. That means I will have to wait an extra eleven months before the default disappears from my
  2. I had an order of £300 that was not delivered and was issued a refund to PayPal, the item and the delivery charge. Since then, the order has been changed from not delivered to delivered. They are now charging me for the product even though it was not delivered. I have been getting texts on my phone telling me that payments are due but I'm a bit confused as to why this is happening if I was issued a refund earlier. I have not paid anything as of now. What I'm asking is how would I get this cleared up without having to pay anything and are they even allowed to charge me aft
  3. Hi all. I am posting this in the hope someone will be able to tell me how to go about putting this mess right & hopefully get an idea how much trouble I may or not be in. As a single man I have been on ESA & Housing Benefit for some time due to both cancer treatment and being diagnosed with, but not yet treated for PTSD. Just over a year ago I married my soulmate against a backdrop of personal issues. I/We have not yet informed the DWP of either our marriage or the fact that she now lives with me. My wife works 16 hours a week earning approximately £128 per week. My main
  4. Good Morning everyone, My situation is quite complex so please bear with me and any help and uggestions would be greatly appreciated, i will start with a brief statement as to how this all started 15 years ago and then onto the problems i am now facing. In 2003 i applied to remortgage and take equity from my home, i was turned down, i checked my credit reports to see that i had several defaults and a CCJ from Barclays on my acc, after a few years i managed to get all of this sorted with apology letters from Barclays. In 2013 i was again chased for debts that did not belong
  5. My tribunal is being held over four days at the beginning of July. I have just discovered that the owners (who were franchisees) have sold their company to the franchise. They were bringing five witnesses including both of the original directors. My questions are, can I expect to see the original directors turn up as witnesses? I know there's no requirement on their part to do so and any response you give will just be opinion. My other question is I have had little contact with Peninsula about this case. We've exchanged bundles and witness statements. They went through their usual
  6. Hello This is my first time using this forum and this may be a little bit long winded which I apologise for I purchased an item online over 11 days ago from Appliance Direct. The item was advertised at £19.97p and the original delivery date was to be Monday 26th March 18. The item did not turn up I contacted the company via their chat facility online, I was then informed the delivery date was changed to Wednesday 28th March 18. Again the item did not turn up I contacted them again. The item in question was put on hold for delivery as the price of £19.97p was w
  7. I have been invited to a wedding in Poland next year. I have booked around 9 months in advance, flight out 31/08/18 and return 03/09/18. Other guests a few weeks later had trouble finding the flight on Wizz Air's website and asked if they were given the correct details. After calling Wizz Air, they assumed the call was in relation to a different flight to Hungary, but after a little more clarification advised me that the flight out is now a day earlier on 30/08/18 and the return is now a day later on 04/09/18. Whilst I have no doubt that somewhere in the small print t
  8. After a long absence from benefits I'll be starting a new claim for Universal Credit in the next few days. Just a brief history: I was on the old Work Programme with Ingeus for the full 2 years - towards the end I was placed on the ESA assessment phase having been on JSA only and didn't have to attend the office anymore... Shortly after I ended the claim to pursue a new opportunity and that's where I've been for over a year and a bit. Now having to go back to relying on benefits is a difficult thought and I have no idea what's changed. I have no clue if my local office is still ope
  9. I have an old Nationwide credit card debt that has changed hands a few times. It now appears to be owned by Robinson Way who have started sending me collection letters. The debt had a default date of 20/12/2010 and dropped off my credit file last year. However, I have just checked Noddle and it has reappeared with a new default date of 06/2012. When Robinson Way contacted me four weeks ago, I sent them a Prove It letter to see what they had. They have replied saying "Please set out simple and reasonable details of your dispute or query, Please call us or write
  10. hi guys hoping someone can shed some light on this. applied for universal credits 14/12/16, handing in fit notes ever since etc been waiting since to have WCA and i called to ask what was happening with that on friday UC said my work group had changed to no work related activity and i wouldn't have to attended the appointment they scheduled for me, that for me is a weight off my shoulders since i have agoraphobia being forced to go to the job centre every month always ends up with me in a state crying because i don't want to be outside. anyway, the advisor couldn't work out why now
  11. Hi As this is now going to the courts, does anyone know the date that CITI card changed over to OPUS? Thanks
  12. eon are using LCS ( debt collector) to chase for Limited company debt, company no longer trading - Dissolved in February 2016 eon have changed the name on correspondence from "XXX Limited co" to ( Directors name T/A XXX ) i wrote back to LCS stating LTD company is separate legal entity - and that they cannot simply assign the debt to the previous director. I also asked for copy of any agreements, signed documents, copies of any bills etc as i believe the bills will have xxx ltd ( Not TA) Is this Practice legal - surely there is an illegal re-assignment attempt here -
  13. My wife and a friend went to Corfu for a week long soul festival (music not heart and soul). The flights and transfers only were booked through Thomas Cook Airlines, the return flight was at 19.00 with the transfer collection time at 15.45. So they got the transfer to the airport at 15.45 as arranged but when they got to the airport the flight time had been changed to 15.15 so they missed their flight. They spoke to the TC rep who said it was their fault for not checking flight times and they had been sent an Email in Dec 2006 changing the flight times, On returning home
  14. My mother has been a housing association tenant for 12 years. Recently, she has had to come and live with me as she is unable to live independently at the moment. Housing Association found out that she was not living at property for a short while and served Notice to Quit which ran out today. I wrote to the HA saying that I have been let down with removals and explained my situation that I work full time and have caring responsibilities and need more time to arrange something. Just had Housing Officer at my door saying that they have taken possession of the property on the date of expi
  15. Good morning all, Been a member some time - not usually one to post for the hell of it but I have been really racking my brains over this one and hitting brick walls wherever I go... Long story short - had booked a holiday for myself over Xmas and when I arrived they told me the hotel was overbooked. They then put me in a cab and sent me from my nice *chosen* serene resort, and dumped me in a completely different resort, right in the heart of the shops / nightclubs etc The accommodation was a lower grade, fewer facilities and I wouldn't have chosen it in a million year
  16. Back in 2008 I got into a debt problem. Thanks to great advice from this forum I came to an agrred repayment plan of just £1.00 per month with no interest or additional charges being added with several of my creditors. Recently one of the debts was taken over by a new company by the name of "Baker Tilly Creditor Services LLP". At their request I provided an up to date monthly budget sheet which proved that my circumstances have not changed. They responded that it was obvious that I could not afford to increase my level of repayments and said therefore they would take a
  17. i had a mandatory reconsideration for backdating of my JSA, the decision maker decided in my favour so i will be paid 29 days im owed. I was told by about 7-8 advisors that if they changed the decision in my favour it could be actioned as a same day payment because i've been without for so long. i spoke to the benefit centre today and they have said even though it has been ruled in my favour they have to contact the job centre regarding "labour market laws" and that it will be around another week before i am paid anything. who is correct? its been about 6 weeks now and we've
  18. My disabled wife ordered a new car and it was agreed with the sales man and the sales manager that the car would have premium paint which would cost £450 extra however the salesman said if she signed the sales contract she would get the premium paint free of charge . A deposit was paid and a Contract was then signed by my wife and the sales manager which clearly stated the car was to have the premium paint . A few weeks later when she rang to inquire about a delivery date she was told by another salesman that the contract had been altered without her knowledge and the car was to be suppl
  19. Hi Not sure if I'm posting in the correct forum apologies if not. Can a landlord of a property someone has moved out of contact utility companies and change the address on the accounts in the name of the old tenant even though the address they have given is wrong and nothing to do with the tenant? The address they have given was an old address that the estate agent had as a forwarding address some time ago, but the property has been sold and no longer relevant to the tenant. Also as the utilities have a new address, anything they send out will not be picked up by the post o
  20. Hi there Just before May I went on to tesco's website to change my policy's address, I completed the form and sent it. Just after that I moved out because the landlord was selling the flat and it was urgent so I had to do this in a hurry. Tesco Bank Car Insurance apparently sent letters to the old address, knewing that I've changed the address with information that the thing that I did online was only a quote and that a change in premium will be made, 20 pounds more per month for changing the address and If I won't contact them within 21 days they have right to cancel the policy. I
  21. Hi there, friend of mine has been dealing with cabot for a CC, she has ignored them for some time recently been receiving letters regarding going to court from their solicitors stating the amount court costs would be, she is not worried about that as she knows it will be statues barred very soon but she has just checked her file on Clear score and the amount has been increased by the amount of court costs described in their last letter. Can they do this, add the costs on to her cra file before it's even been to court? Many thanks.
  22. Hi! I need advice please, we have rented a bungalow from the same landlord for 15 years we originally rented the property through a letting agent paid a deposit & a months rent in advance. We needed to contact the landlord & the phone number he gave us was no longer in use so I contacted the letting agent for his new number & was told the landlord was dealing with his own property's & they no longer had his details. For 10 years we have had no contact with the landlord no phone number or address & all repairs to the property we have had to do ourselves last year alone
  23. Recently I received a parking charge notice from "PCN Debt Recovery and Prosecution Service" on the 4th April for the offence of: "parking in an area restricted for permit holders without displaying a valid permit before 9:30 at Orpington Railway Station Car Park" as it was early in the winter morning and I had no way of knowing this detail due to it being dark outside. I believed that the initial charge of £90 was unreasonable and thus ignored the letter as I had read online that these types of private companies do not have the authority to cite Railway Byelaw 14. However,
  24. Hi all, I used to frequent these forums years ago and was successful in getting money back from Nationwide who promptly closed my account (like they used to, dont know if it is still common practice) and helped others do the same. Around that time (2007) I sent a PPI request to B'Card, and they rejected my claim saying that I was not mis-sold PPI. Yesterday I received a letter acknowledging that they said that I wasn't missold PPI, but now saying that they have reviewed my case and agree that I was missold PPI. It says they will provide a refund, and they offer a refund of
  25. The foreign exchange said they wont take it as it is ripped and the only option is to exchange it when I go back to Canada. Never been to Canada, unlikely I will ever go. Anyway to exchange it in Britain? Thanks
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