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Found 23 results

  1. Hello! This site has proven of great help. I am posting here on behalf of my nephew. to cut it short, nephew was supposedly parked in an Ibis hotel car park and was not a guest. Received a ticket from Civil Enforcement Limited . He ignored it because it was not his vehicle having repeatedly told them. As a result, they took nephew to court. He was able to set aside the judgment because the claim form didn't specify what the amount being claimed for was and also, it was not signed by a 'person", but by a company. I accompanied him to court and the judge set asi
  2. I have just received claim form for a CC debt of about £4,400 from 2009 and they have claimed interest for 6 months + upto the date of judgement, but no mention of going forward. I don't mind paying them original amount in instalments but I am worried that if I accept the claim as it is then they may ask the judge for 8% interest until the debt clears, which may mean the payments I make will just pay off interest. Someone has told me that if I defend the case by asking them to prove the debt then they are likely to concentrate on proving the debt and not ask for interest going
  3. Hi guys, I took part in a WCA not long ago (I've been on ESA WRAG for the last year and this was a reassessment). They found me fit for work but I hadn't been able to secure all my medical evidence in time so instead submitted it along with my MR and the decision was overturned and I got letter saying I had scored the 15 points. Now here is the confusing part..... before I had all my evidence (and could submit my MR) I had to claim universal credit for around 4-5 weeks. I didn't fit the gateway conditions but I didn't have a choice at the time. I wasn't informed I am living in a "Liv
  4. I was 20 when Halifax said hey, fancy a £10k overdraft limit and a £7,000 loan at a large APR. Stupidly I said yes. I tried to keep up, but failed. We're 11 years down the line, the debt has passed around from place to place. I moved a few times, they chased, but I never answered a single letter or phone call. 2013 it went to Arrow global, after that I found letters from capquest offering negotiations, Arrow again seemingly, then a month ago Blake and Morgan claim to have purchased the debt and asked me how much money I earn. I ignored and today received a
  5. Hi All, My landlady told us in Feb that she was selling our house. We moved out in April when a suitable property came up, but had to pay double rent and council tax on the two properties until the end of June when my tenancy ended I did however manage to get a one month discount on the old property as I wasn't living there. Now that the landlady is renovating the house to sell, she too has applied for the council tax discount (as she's not living there) and has been declined as there needs to be a period of 6 weeks of someone living there since that last claim before she's e
  6. Hi all, I reclaimed my PPI from a number of lenders a few years ago using the great advice and letters etc on here, eternally grateful for that! But.... I've had a few calls from claim companies over the last few months and they claim that a lot of lenders knowingly underpaid on PPI claims and that more is owed. I was wondering if there's any truth to that and, if so, would it be a case of following the same process as previously to claim the extra owed? Thanks, Nick
  7. I wonder if anyone can help? I received a PCN for parking in a disable bay at a private residential underground car park. I challenged this through both the appeal routes (parking operator and The IAS) based mainly on lack of clear signage at the bay. The ground markings are small and painted in red which were not visible while reversing in to the space and not visible once parked. There was a sign on a pillar however this was high up and to the side of the space and again not visible when reversing. My argument is that signage should have been directly behi
  8. Hi All, I had started a CCA process with Idem servicing with the OL being Citi Financial. I took out the loan in 2007 and have had a minimum payment going out. All payments have been stopped whilst my CCA request is in process. Idem promptly replied within the set time of 12+2 days with many copies of the signed contract with Citi financial, i just want to make sure that what they have sent is enforceable, if so should i resume my payments and send a F&F offer to them. I have uploaded the documents that were sent to me.
  9. Could someone help me understand what "Moved within area" means. I recently applied for housing benefit and got a letter from them saying that claim has been cancelled and "Moved within area - Please reply."? Any help please?
  10. I advertised an item on ebay but the winning bidder changed his mind and wouldn't collect I had to re list it at the same time I complained to ebay about the situation and got a reply back, so they knew the situation I was in. I re-listed and sold it and got paid, however when my statement came it showed they'd debited my Santander credit card for the first time the item was sold but not paid for/collected I contacted ebay but they said I was out of the time scale for a refund and to claim on my credit card which I did. I put in a section 75 claim wit
  11. Hi folks, So I'm in a bit of a complicated situation, I'll try to sum it up as briefly as possible. I guess I'm just curious what people think/advice/am I doing the right thing/anything else I could do? Last year I split up with my ex. I knew he had looked into some sort of tax credits scenario a few months before we split, however I never filled in any forms and never saw any money, thus thought no more of it. In June of this year I discovered he's been claiming joint couples working tax credits under both our names since last year. When phoning the HMRC about this they "fixe
  12. I have two CoOp credit card debts, of £2,700 and £9,000 respectively. Although I'm not convinced that they hold enforceable CCAs or were defaulted correctly I did agree with them in 2010 to pay £1/month into each account in return for an interest freeze. In 2013 the CoOp told me the debts had been assigned to Cabot but that payments should continue to be made to Fredrickson, who manage them). I've maintained these monthly payments by SO throughout. At the beginning of the month I received a letter relating to each account from Debt Managers (Services) Ltd claiming that the
  13. Hello. My husband has been receiving letters from DWP asking for repayment of £318.42 since about 2006 for Working Tax Credits. My husband has never claimed working tax credits. He even checked with his accountant, who checked through his paperwork and agreed with him that he has never claimed it, so he wrote my husband a letter explaining that this has never been claimed, which he forwarded to the DWP. Every 6 months or so, we get the chasing letter, my husband phones them up and explains yet again the situation and they say they will put the account on hol
  14. Hi every one, I discovered that I have a few credit card agreements post 2007. This includes Capital One and HSBC. What I would like to know is: - Can charges of £12 applied on this accounts be claimed too just like in the pre 2007 agreement? I noticed that most of the banks claims that it is fair. Your advise, comments and guidance is welcome. Dot
  15. Hi, I had a Barclaycard account which was closed about 8 years ago. There were quite a few charges on it. Just wondering if I can still claim. Has there been a similar case on CAG? If so, can some one direct me? Any success threads on similar case? Thanks Dot
  16. Hi, I recently took out EE Home broadband, and elected to pay the line rental up front for the year, so £132 was taken by direct debit on 15th Oct. However, the swines also took a second £132 yesterday. I phoned them and they agreed it was an error on their part, but said all they could do was to put a £132 credit on my account (or else a refund would take over a month!), but they told me to call Barclays and claim it back under the direct debit guarantee (Indemnity claim or something they called it). I call Barclays yesterday evening, and they agreed to do
  17. Am moving house so asked council to prepare final CT bill expecting a small adjustment. What I got through the post today was a demand for £900 overpaid CT benefit plus a further £600 CT underpayment. I dont receive benefits, havent claimed them and have paid my CT as a lump sum until this year when I decided to pay by instalments as I knew I was moving and didnt fancy paying the lot and then strugle to claim it back. The benefits office say they are right but if they arent I will have to appeal and that will take months. Compaint lodged, if I dont hear something in a couple of days I wil
  18. Summary: ex girlfriend books a holiday and invites me along saying she will pay. (She came into £300,000 recently). 4 weeks after the holiday she decides to end the relationship and is now sending me emails asking me to pay back £700. Can she take me to court ? Should I reply to the emails. ? Apologies if this is the wrong section. I am new to the forum and very worried so posting out of desperation.
  19. My partner took out a loan with HSBC details as follows: HSBC Loan: Taken out October 07: Loan £12400 PPI £2400 over 37 months settled in Oct 10 but claimed whilst unemployed £1100 When he took it out he was told it would enhance his application if PPI was included or words to that effect although when he was made redunadant he could have paid the monthly payment with his redundancy pay a nd it would also have been covered by sick pay if necessary but because he had the PPi he claimed against it for the 3/4 month period he was unemployed. Can we put a claim in? we
  20. Hi all. Wondered if anyone could help. I have key cover through Hastings. It's the one with the key fob that you attach to your keys. Anyway, my car is a renault which has a card not a key. Well the card has split in two I've managed to put it back together but have to hold it together whilst pushing it in the slot, it won't last much longer, now I wondered if it had to be at the point that it won't start the car to be able to make a claim. It will no longer lock the car, but does start with some fiddling. I know how insurance company's make make every excuse in the book rather than pay so a
  21. 4 Months ago, my wife and I split. I had been subject to years and financial, emotional and physical abuse, so my head wasn't in the best place, I wasnt aware of what benifits etc were being claimed , I had a budget given to me of £5 per week and that was it as far I knew anything about money, I worked and earned good money but never saw it, my ex didnt work and controlled everything. One of our children elected to come and live with me at the time of the split. My ex wife , then started throwing loads of disgusting ( and proven , false) allegations around , further adding to t
  22. Brief outline: I did an SAR on Paragon in January and have gone through it again today. I have noticed several amounts added for 'Admin Charge' ?, 'Cost's '? , Arrear Letter Fee, etc. I have added these up and although only around £120, i did a calculation on the interest at their rate (28.9%)at the time ( 1995) and the total comes to around £3k. Any advice on how to put a claim in for these charges and interest? thanks in advance DGS
  23. Hi there i have a long story to share but in short.. few years back i had loan which i couldnt pay the installment i supposed to but later negotiated with them and paid them the installment which i could. the most important thing is, i had ppi in that loan. so claimed it using third party.. now got the letter from barclays that i will going to get the refund of £3000 but the half of it will be used to paid the loan which is still running and half of the money will be paid in to the saving account.. which i have never access it in these 4 5 years time... now
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