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  1. Hi, I've tried to have a good look through the website, which has always been a great help over the years (thank you so much!!) but I just need to clarify a few things before I end up doing something stupid. I had the old mortgage style student loans with the Student Loans Company back in 1993 and 1994, and deferred them over the years due to low income and poor mental health. I don't know if I'm remembering right but I think the last time I acknowledged the debt and tried to defer again was 2012 or 2013 (not a good year personally, don't remember much). Fast forward a few ye
  2. Sold house in December 2014, exchanged in early January 2015, spoke to EON, took meter reading and took photo of meter. Weirdly we had no bills from EON since 2006. Heard nothing. Today get letter from EON demanding £109.57. Turns out actual energy usage was £31.45. But that relates to a bill from October 30th 2015 to December 30th 2015 So somone else's bill They also claim that there's a £55 call out fee and a £10 extra fee. But refuse to provide an actual bill, and are stalling when I ask for a breakdown of the £109.57. Oddly the lack of bills fro
  3. Your good advice please. I received a letter from a DCA titled a’ pre-legal assessment’ on an old credit card debt that the DCA have recently acquired. I suspected this could be nearing SB I checked my credit file and discovered that there is no information about this account on my file prior to May this year! As they are are using the usual vague language i,e, ‘may’, 'being considered’, should I bother to respond to this or should I CCA them or other? Who’s responsibility is it to insure the information on a credit file is accurate and up to date? Would the OC r
  4. Hi All, Looking for a bit of advice. I am in the process of drafting a complaint to lowell about a 02 refresh bill which I had to default on earlier this year (out of work for a three months). Lowell are claiming £370.10 owed which when I looked at my 02 bills on 02.co.uk seems wrong. I think this relates to unpaid airtime till the end of the contract. I read somewhere that charging till the end of a mobile contract which is defaulted is deemed unfair under consumer regulations. Is this true? and if so can anybody point me to the regulations or relevant case law? Thanks
  5. Hi all , I left Australia almost 5 yrs ago very quickly due to a family emergency . I had a car loan a credit card and possibily personal loan . I thought at the time I cleared them all . Now this week the I received a letter from a UK based solicitor acting on behalf of an Australian debt collector asking g me to pay 10 k back . I do not think I even owe this money . I probably do owe something but I can't imagine it's that much . Citizens advice have told me I can send a letter requesting more information on the debt without actually acknowledging it . Any advice would be ve
  6. Hi, I'm new to the forum, but have been a long time lurker. First of all apologies for how long winded this is, but I hope I include all the relevant information. Alleged card debt from card taken out in 1998. Alleged debt approx £5k. Card sold to IDEM Capital Securities August 2012 Alleged Card default August 2013. Idem Capital Securities assigned alleged debt to Arrow Global November 2015 About three years ago I received multiple claims for alleged credit card debts, and with the help of this forum managed to get one claim dropped and ended, one victory in court
  7. HI All, I wondered if anyone can help me. I recently received a small claims court summons from BW Legal for a parking charge for £100 dated 07/12/2012. The sum they now claim has risen to £273. I did not know anything about this and have never received a parking ticket or any correspondence whatsoever. In the particulars of the claim, they refer to the PCN dated 07/12/2012 and the issue date of the claim form was 28/12/2018 I obviously thought this was a statute barred debt as 6 years have passed and filed a defence to that effect. I have now received a letter
  8. Hi! I'm new here so I apologise if I am posting in the wrong place. Long story short I have received a letter from Cabot advising that they are going to instruct a company called Resolvecall to call at my house and "put me back in touch with them". This is regarding a loan which was a CCJ but that dropped off 18 months ago. I have received nothing else regarding this debt I just realised there was a CCJ logged on my credit file. I was very ill and going through a difficult separation when this debt defaulted (originally Santander) and missed one payment. Despite
  9. Hi All, -I joined the gym on the 18th of April 2017 on an 11-month contract. -I tried to cancel my membership around August/September 2018. (17-18 months of paying) -The harlands online cancellation system kept popping up with errors when I tried to cancel. -I cancelled the direct debit as the online form was not working. -I received an email from Harlands on the 25th of September telling me that I was to reinstate my DD. -I responded and let them know that I had not been to that particular gym for over a year and that I had tried to cancel but it did not work.
  10. Had a letter from ZZPS 71 days after an alleged parking offence was committed. No PCN from Premier Parking Ltd at all (genuinely), would be grateful for any advice. Thanks. As far as I am aware Premier Parking Ltd would have to issue a Parking Charge Notice within 14 days for it to be considered legal. The only problem is the legislation states that the notice is presumed sent unless proven to the contrary, v.hard to prove a negative - but for certainty these notices should be sent out by recorded mail.... as my letters to ZZPS have been.
  11. Hi Folks, Cabots have been chasing me for years about a debt. I do not remember owing any money to santander but they say I owe £1200. I once wrote to them asking for proof of this debt but they did not respond. The debt has moved backwards and forwards between Cabots and a few other companies now Cabots have sent a letter saying they will instruct a solicitor to get a CCJ against me. What is my best course of action with this? They never give any account number details - just a balance of £1200!! Many thanks.
  12. Hi Can someone give me some advice? I left the UAE in debt some years ago, a long story but not dis-similar to many others you will have heard. I have been contacted by a UK company (IDRWW.com) who have been instructed by the original bank. I do own my own flat in the UK, although it is mortgaged and has little or no equity in it. Can someone tell me what steps I should take? What can IDRWW do? Are they likely to try to make me bankrupt or put a charge against my home? Does anyone have any experience with this company and what they will accept
  13. Last week on Thursday we got our domestic water bill dated 16th Oct. This was followed up by a text on Saturday reminding us to pay. On Tuesday we got an email again reminding us to pay. Yesterday another text reminding us to pay. Is Severn Trent that desperate for funds that they have to hassle you every 24 hours? Most bills we get expect payment within 30 days and not within 24 hours? Just to add, we do not have a problem to pay the bill and will do so at the end of the week.
  14. Hi everyone - I'm in a sticky situation. I went to live abroad for some time in 2015 and I'm back now. I was sure before I left that my UK HSBC account was at 0 but it wasn't due to some overdraft that I gone into without knowing which later led to the account being closed. I just received a letter from Cabot today saying that I owe them a balance of £1347.86. I spoke to HSBC earlier in 2017 and they said to me that the account in question was closed and that I owed something in the region of £200 due to overdraft. I can't remember the exact details but I assume they said the de
  15. Hi all, I know there are numerous threads on here but I’m going to post my story to see if I can get some personal advice regarding this. Lowell are chasing me, I have read all your views on how people shouldn’t pay them a penny or worry over them. They are chasing me for a Littlewoods debt, I have requested proof which to my surprise they provided. The debt was from 2012 (ish) but the latest payments were made 2017. I have no problem admitting this debt ( I lost my job and whilst I was in between work I couldn’t afford to pay ) now I had been a loyal customer with Littlewoo
  16. Hi, I sent out a CCA request to DLC, who were collecting for an old Egg debt; I have been paying £1 token payments to them every since the account defaulted over 6 years ago, and due to having moved house a couple of times since, have completely lost track of what has happened with this as the standing orders were set up to come out automatically. Last week I received a response to my request from DLC stating "we returned the account to Egg in July 2010, who have since ceased to trade. We assume that your account has been acquired by a third party company and we suggest you
  17. Hi all. My wife left me nearly 2 years ago. She didn't give DVLA her new address, her car was clocked with no tax, and Marston's tell me they have a warrant for removal. I called Marston's. They won't take my word for it that she doesn't live here. Only that if she doesn't pay £615 immediately, they break my door down and take my stuff. I have a chronic mental health problem, and I'm not in a good way. I need to get the stress off if possible. What do I have to do? My budget doesn't run to an expensive solicitor. Thanks.
  18. Hi everyone, any help would be highly appreciated Back in 2010 I arrived in the UK to study, me and my friends rented a flat in Brighton and I signed with TalkTalk for a broadband plan (1Year). The account was under my name and it was paying it from my personal bank account. End of 2011 I finished my studies and went back to my country, but before I do that I contacted Talktalk and told them that I am leaving and that my room mates will be paying from for this plan from now. (Kindly change the account holder to them and hereby I inform you that I am not longer responsible of this) "
  19. Hi All Around 2010/11 I was in heaps of debt, various cc, loans etc, totalling c £30k. I took some great advice from this site, worked hard, and managed to settle everything. Finally debt free by summer of 2016, credit score still not great, but heading in the right direction. And now I receive a letter from Mortimer Clarke (Cabot): ‘As you are aware a County Court Judgement has been entered against you under Claim Number QWERTY123 and we ask you to pay the outstanding sum of £2244 direct to this office within 14 days.’ The letter encloses an income and expenditure for
  20. Hi, I had a credit card from the Halifax which after I lost my job, I was paying £20 per month after discussing a lower payment. This then went to Blair Oliver Scott and I kept paying. After it went to Idem in May this year I stopped paying as I didn't think they had a right to collect. They hassled me by phone ringing every day sometimes twice a day and I ignored them, partly because I am deaf and couldn't hear my phone. now I have Westcot chasing me. Can you please give me some advice? Do I now have to pay Westcot? Are they likely to take me to court?
  21. Hello, I have a disputed Cabot debt of between 5-10k which was sold on to them by my former bank a few years ago. I had previously written to my original creditor with a CCA request, allowing them 12 (+2) days to provide the requested documents, then received a letter from them saying they were going to comply with my request and get back to me. I didn't hear anything from them again. The bank then sold the disputed debt to Cabot. I wrote to Cabot earlier this year with the following: I refer to previous correspondence in relation to the alleged agreement, copies of whi
  22. In 2005 I paid (what I thought was) the final payment towards a mortgage shortfall arising from repossession and sale of a property. The mortgage was in joint names with my now ex wife. I argued with the DCA at the time that my wife was jointly liable despite her claim she could not afford to pay, and eventually agreed to pay 50% of the Lenders' shortfall amount. The DCA claimed to be acting on behalf of the Lender. They wrote and stated that the Lender was prepared to accept my 50% offer in full and final settlement of my liability to them. I paid the agreed amount
  23. https://www.consumeractiongroup.co.uk/forum/showthread.php?421236-Rossendales-DCA-chasing-old-legal-aid-debt-**WON!!-revolked-cancelled** HELP PLEASE, Thanks for sharing your experience of dealing with Rossendale and Legal aid right through the end. It gives me HOPE about my same problem i'm experiencing at present. In my case, it is now been over 6 years since the end of my case when i was convicted of a crime in end of 2011. i received a surprise out of the blue capital contribution order of over 40k to be paid within 28 days. letter with legal aid heading on the
  24. Dear all can someone please help with a problem i am having with IND. just recently oct 17 i had a CCJ drop off my credit report ( the CCJ was sent to 643a instead of 643 and as a result i never received the CCJ, fast forward 6 years i have had no communication or contact from ind etc, last month when they searched my credit report, i rang them to ask why they were searching my report, they asked me for my DOB and i told them they said they could not discuss anything with me as my date of birth did not match their record, a week later i received a letter and a s
  25. Hi all, This is a query for me, regards to a couple of outstanding invoices that have now been paid. I received an email from Stirling Debt Recovery on behalf of their client Thompson Local for two invoices for £162 each and another invoice for £60. I have contacted Thompson Local direct and have paid £324 to them this morning, and will pay the final £60 for end of contract fee next Friday. Thompson Local stated at first that I needed to contact Stirling DC, I said absolutely not, I don't do any correspondence with a DCA whatsoever, and asked if Thompson Local were refusing to
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