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Found 24 results

  1. Not sure if this is in the correct forum. Please move if necessary. A bit if advice regarding an Administrator of a Facebook Group of which there are over 8000 members. I am the claimant in a court case after someone on a Facebook group owes me money after agreeing to purchase from me via the group and refusing to pay. Defendant is stating that the 'item' was offered 'free of charge'. Prior to the defendant offering to purchase, I exchanged some personal information via a series of private messages with one of the Admin on said group. I have just received the defence papers
  2. Hello helping another friend with their problem. They have received letters from Robinson Way stating that they have had no response to their letters asking for payment relating to two debts that they had purchased and if she does not respond in 14 days they will take legal action. Now this is the first letter they have received regarding this and all tho she does/did have some debts some 5/6 years ago these letters do not state which debts these are. I will refrain from ringing them to ask relevant questions but was looking to write to them asking for the following:
  3. Section 5(1)(B) - The Taking Control of Goods (Fees) Regulations 2014 the enforcement stage, which comprises all activities relating to enforcement from the first attendance at the premises in relation to the instructions up to but not including the commencement of the sale or disposal stage; At what stage is the £235 fee incurred? 1. Just by visiting at debtor? 2. Or, by taking goods under control? If it's just by visiting the debtor's property then, at what stage do they take control of the goods? For the sake of clarification, CAB website tells me that Enforc
  4. Missus got 'just the ticket' from euro in a hospital car park today for 'Not Parked In Marked Bay'. She believed she was well within a bay - other cars similarly parked, and a (faded) white line behind the car. I'm the registered keeper, and she's a named driver on our insurance policy. I'm not totally up to speed with current protocols. Do I 'appeal' straight away to invoke POPLA procedure, or await NTK from them? If this needs to become a separate thread, by all means do your stuff. And thx in advance for any help in putting this one to rest
  5. Hi, I'm hoping to get some understanding of exactly what an update of my credit file means and how, if possible, I can get it corrected. I have a mortgage with GE Home Lending. Around the time of a divorce, June 2013 I missed a payment on the Mortgage. I continued to pay the mortgage thereafter with one payment of arrears. About a year or so after missing that payment I contacted them to make an arrangement for the arrears to be cleared. Their response was along the lines of 'We will not enter into an agreement as the arrears are not serious enough' Base
  6. Evening all, After a good few years of having my head buried in the sand, I'm finally taking some action regarding old debts etc. I have discovered that I apparently owe HSBC £110, on an account that I stopped using in late 2008. The default is listed as March 18th 2009, and I know for certain I have had no contact with them in the interim with regards to paying the debt or even acknowledging it's mine. So will this debt now slip off my credit report and no longer be enforceable? I've not heard a bean about this debt in a good few years and to be fair, the account did not have an ove
  7. Hello All, I have in the past told Op's to send the Statute Barred letters from the Template section in the Library. However now it has been posted not to send the Statute Barred letter until a claim form has been received, which is why I have got to ask why? The op has came to CAG because they are being bullied, harassed, intimidated & threatened with Court Action (sometimes as an idle threat, others for real) by the ruthless DCA collection practises. Now they have found their way to CAG, through postings between CAG members and the Op if it is found out that the debt
  8. Have an account with this bunch of dimwits actually mean to say had and account as l am about to CCA them and l wont hold my breath over the CCA being available. This bunch of idiots have really pee'd me off because they have not sent me christmas presents and the presents they have sent me are broken. They have ignored me for over 6months over one christmas present that turned up broken they have refused to accept it back and are demanding payment for it. Ok i understand they cant accept personalised items back but if they are broken as in not fit to do the job they were ment to do
  9. Oh mighty forum i have poured over the data avaialable and would like a clarification - when does the countdown start on statute barred. the reason i ask is the due to barclaycard selling my debt on to lowells. I am now very close to SB .on my calculations they have between 2 and 8 months left. please can i get clarity on this one. i stopped paying on most of my debts sep 2008 but default or closure of account happened later . so as its the last year i would like to start being able to fighting back a little. many thanks to all that supp
  10. Hi, I hope I can get the answer I am looking for here, I am sick with worry...... I am currently on the housing waiting list (social housing), I am in rent arrears (with landlord in private sector housing). Here is my confusing and need clarification please...... Due to my pending eviction, am I right that the local council will not allow me to make a homeless application (upon eviction) as its seen I have caused this and made myself intentionally homeless and therefore do not qualify? If so, I realise I will have to seek alternative accommodation, will I stil
  11. Hi all, first off I'd like to say that I am really quite bad at figures/dates/number related things so please bear with me. Its why I'm here I took out a Wonga loan in Sepetember, I'd done this before as an emergency and paid back. Fine. This time I could not pay back. I lost my job. Here are the figures: I borrowed £350 in September I was due to pay a single payment of £455 in October. I couldn't. I set up a repayment plan, that bounced. So I set up another which I paid a few times. It bounced again because the minimum they would accept is £40 per month, which I can't
  12. I am livid...I have just moved to a property on a 12 month contract to find out last night (hand delivered) that my landlord is serving notice on the property after just moving into it in April. The notice states we have to move out by October. I have read that you cannot serve notice until six months. So, does Six months mean they can't serve notice until we have been present in the property for six months. I don't know why this is happening but to say i'm disgusted is an understatement..
  13. Insurance with Alliznz through pay as you go home contents with LA. He pays £11 a year for contents of his home. LA builders cause damaged to property and insurance is saying is not covered. Their policy says under breakage cover that glass and mirrors accidental breakages such as mirrors ceramic hops on cooker not built in. But they would not be covered if the home is unoccupied. My relative was out at the time the damage was done and did not find it until retuned home that evening, does this fall in the category of unoccupied. Another clause in the policy which under TV
  14. Following redundancy, I ended up with a lot of debt in the early part of 2007. Long story short, had a CCJ for my mortgage (but was able to sell the house and clear tht debt in May 2007) before the repossession date, bit I still owed money to telecomms and utilities. Last year I started paying off my LloydsTSB debt, and today Moorcroft have started chasing me for the water debt. I checked my Experian Credit report today, and there are only 2 negatives showing. One is the current Lloyds default and the other is because I've not cleared a debt per contract (but then, I haven't HAD any credi
  15. HI, Quick question regarding Schedule 4 http://www.legislation.gov.uk/ukpga/2012/9/schedule/4/enacted Section 9 i) states the following (i)specify the date on which the notice is sent (where it is sent by post) or given (in any other case). Given Schedule 4 is for 'recovery of unpaid parking charges' I assume its for correspondence after the initial ticket? I received a ticket for parking in a disabled spot without a blue badge at a local retail park. I ignored the ticket and the first letter where they provided a picture of my car in said spot. The next letter
  16. In brief, late paying a magistrates fine. Contacted fines office got the brush off, " nothing we can do mate notice of distress issued you must deal with the bailiffs ( Philips ). Go to local court , same story you cannot go in front of a Magistrate to explain situation as Distress notice issued. Give the fines office a ring see what they can do ! So I am at the mercy of Philips, if I do not agree to their terms I am snookered. They could pluck any figure out of the air for me to pay back monthly. If I am not happy do I accept their terms
  17. Just got off phone to Barstons re parking ticket payment. Cannot believe how civilised they were, probably be a lot different if I refused to pay ! Have they been dragged over the coals recently ? I emailed my parking athourity saying that if you google Barstons look past their glamorous, award winning website and see some of the negative feedback they get concerning their ruthless debt collecting activities. Are you happy to have these people working for you , and to be assosiated with ? I wont hold my breath waiting for a reply.As Barstons do not reply to e-mails. Would it be agood idea t
  18. Hi guys was just looking for some clarification on the 8% interest payments. I have just received an offer from Barclaycard for a PPI claim of just under £2100. The amount comes from a credit card (initially with Goldfish). When I received the offer the break down of the payments indicated that I am not due any interest at 8%. When I rang to query this I was told that because the PPI was still active as it hadn't been cancelled and as such I was not due any interest at 8% as this interest only begins to accrue from the point at which the policy is cancelled. Ju
  19. I am going through the guidelines here on reclaiming PPI in order to get a good grasp of what is involved before going ahead. I am not sure on a couple of fundamental points, and would appreciate some steering please. The PPI relates to a credit card I have held since 2002. I note from the letter-templates here and from other documents that you are required to specify the reason why you feel the insurance was mis-sold, and also that you should ideally (must?) claim a particular sum that you believe is the amount involved. When I applied for the card I believe it was with a fo
  20. I'm based in the UK and looking at having a PC built by a american company. I've had several chats with the owner and we have come up with a list of components I want. He then sent me a itemised invoice/quote for me to look over before I give the go ahead for the project. He'll then send an paypal invoice and that will start the ball rolling. I know paypal offer protection for bad transactions and also there is section 75 for some credit cards and chargeback for others. I wanted to check if these paragraphs from the which consumer website still hold true?? ***If you're making a
  21. I'd appreciate some clarification on this as I have an appointment at my bank tomorrow. I'm unsure of the details but I think if one has an agreed overdraft then they can apply charges. But, if charges are applied, then the money available to me to use for day to day items is then diminished. What happens in this case? I was on ESA and then JSA since February 2009 and in September 2011 I became a pensioner. I have an agreed £1000 o/d although the only income I have is my state pension + about £4.00 pw from a County Council pension. I have been charged for various failed SO/DD
  22. Hi I am a little unclear on the rules around accounts and defaults. I have account which has been in dispute for a very long time with the credit company who kept passing the account from one DCA to another who then sent it back when I informed them of the dispute. Earlier this month the account was marked as satisfied with the credit reference agencies, and this week I received a letter from Lowell with the usual threatening tone. I have replied in the letter, and as well as stating that no debt is acknowledged I have also stated that no contract or agreement exists as I h
  23. Hi, I am trying to gather some information to help me clear up a few CSA related issues and was hoping someone could clarify a few points for me. Background: NRP was self-employed and earning a low income. As a result of income levels the NRP was exempt from submitting a tax return and was also in receipt of the full amount of Working Tax Credit. During this period of self employment the NRP believed that they were paying the minimum of £5/week to the CSA. The PWC stated that they were in receipt of £5/week during this time. It was the belief that this minimum payment was being paid
  24. Not sure this is the correct place to post but I can't see one specifically for legal clarification. I have issued a claim form against a company for damage to my vehicle. The claim was issued on 23 May 2012 and served 25 May 2012, the Defendant filed an acknowledgement of service on 30 May 2012 meaning they had the full 28 days ending 22 June 2012. Meanwhile the Defendant appointed a solicitor and I received an acknowledgement around 1 June 2012. On the 15 June 2012 I received a further letter from the solicitor advising hat they wanted further information on the claim and request
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