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  1. Has anyone dealt with debt collectors and had success in reducing the interest / charges removed to pay for the actual debt. If you have I could really do with some help as have some bad old debts that just keep resurfacing and now need to face up to them and arrange to settle to become debt free. Any help would be really appreciated.
  2. Hi all Wondered if anyone could help or offer some advice as I am in quite a stressful situation at the moment and this forum has been very helpful in the past. I was recently involved in an accident on the 5th April 2017, I am technically at fault as I went into the rear of someone at around 15-20mph, put Pedestrians went to cross a zebra crossing and the car on approach slammed his brakes early in realization of this and that forced the car in front of me to slam his and I was unable to break in time leading me to go into the back of this vehicle. Aside from me asking if w
  3. Hi - I have also received two sets of letters from ZZPS, relating to parking notices issued at Brighton University on behalf of Ethical Parking in October and November 2015! Whilst I remember receiving the notices and not really doing anything about them (I've checked back over old bank statements to see if I paid them - and I didn't), I have not received any correspondence since then. Same address and same car as the date of the original PCNs. The only thing I think that has happened is that these letters have been sent to me since I recently parked in the university car
  4. Hi all, both myself and OH have got ourselves in debt and are receiving threatograms from various DCA's. We could borrow from a relative and pay these off but would rather not pay a DCA. Could someone be kind enough to check this CCA doc my hubby received from Moorcraft? It's a Halifax Loan which was taken over by Moorcraft. He has tried contacting Halifax but they have told him to deal directly with these people. Moorcraft has placed his account on hold for 14 days. Any advice would be very welcome. Thanks as always scan 1.pdf
  5. we received a letter from this gang and we are unsure if it may well be SB whats the first step in getting out a CCA to someone i am supposing we don't speak with them direct thanks in advance rway re BC Egg card.pdf
  6. I received a letter in January this year from 1st credit, I replied with a request for CCA. They have now after 4 months written & said that M&S have now the original debt back & Ist Credit will not communicate further (I thought these companies buy the debt,then sell on etc) By same post there was a letter from Intrum, again I will ask for an original copy of the credit agreement. Then a really curt letter from Rostons solicitors, re another small debt. This letter states that I MAY NOT ask for the original agreement. These debts came about when my husband
  7. Hi, I was a victim of identity fraud in around June 2012. "Someone at the time took out loans in my name with quick quid and lending stream". It was a lot of hassle at the time ( I went through the police action fraud, recived a crime number and after a month or so I signed a couple of letters from both companies and the matter was cleaned up. I also opted at that time to put extra restrictions on anyone else trying to fraudulently take out any more loans in my name. "Let me just say that I have never ever applied or taken out any loan in my life other that a mortgage for ou
  8. Hello I would like some help please. I was a member of virgin gym, I cancelled my membership in March 2017. In April/May the gym became David Lloyd Gyms. I was contacted by David Lloyd in September to say I had 3 months gym membership fees overdue. I told them I cancelled my gym membership in March. They then passed me on to a debt collecting company called ACE. They kept calling me and told me the amount I owed had increased. I told them I cancelled my membership in March. They said they would investigate. After 8 weeks or so, ACE called me
  9. Hi all, First time here so please let me know if anything in this post should be changed. Backstory: I was in Bulgaria on business in June/July and had no knowledge of my PCN before leaving (turns out my mate moved my car out of his drive into the parking area for a couple hours where I received this PCN). Upon arriving home I find two letters, one being a final reminder sent mid June by VCS and then a debt collection notice sent by ZZPS in mid July. As I was out of the country and couldn't access my mail, I had no idea any of this was happening in my absence
  10. Dear All First of all, thank God for Forums like this and people who care enought to devote precious time to assist others in debt. A Debt collection firm, issued a claim, the progress of which was halted by a CCA request. It has finally come back, after a year following request, with what appears to be a copy of a signed agreement and t&cs and statement of account. Amount seeking is over £3,150. Can't claim time barred, owing to previous payments. They say they can proceed to seeking judgment unless payment arrangement is set up. They trade u
  11. Hi all, My dad has received a letter from Wescot demanding payment for £313. Apparently they are working on behalf of Natwest retail finance. My dad had an account with Natwest which they themselves closed approx 4 years ago. As far as he is aware all monies were paid and account was closed. After 4 years we receive a letter demanding £313? There has been no previous correspondence regarding this alleged debt. We have been to Natwest but they wont help us. I emailed Wescot asking for more information regarding this alleged debt. They replied asking for my dads DOB
  12. Hi Please can I have your advice. I registered a business with hmrc, due to one thing and another I never actually started this business, didn't trade 1p. Long story short, I've moved address and now I'm being chased by debt collectors for money relating to this! I wasn't aware I owed because I didn't trade but because I told them after tax submission date I now owe NI and fees Pastdue want £221.10 in NI Advantis want £2656.95 for non payment of tax. Now, I understand you can't swerve the taxman or his henchmen but I'm in no position to pay anything
  13. i wonder can anyone help me? i had notice of court action from lowells debt agency for an alleged debt of capitol one dating to 2012. this happened around mid september ..i subsequently complied with the court procedure but have asked for proof of debt plus a cca. . i seem to have received . . a statement of the account.. from capitol one... but nothing else.. here is what they say has been enclosed... it says "statement and notice of assigment received from client. agreement and default notice been requested... ..with respect to Deed of assignment . this i
  14. Hi all just wondering about the doorstep collectors using their own cars and if standard insurance will be enough or will they need something like hire/reward policy. sorry if this has been asked before.
  15. Hi I lived in Norway for 6 months last year and have just received an email from a Norwegian debt collectors stating that I owe £1100 for unpaid electricity bills. I had no idea these bills existed so didnt pay them and hadnt previously been contacted whatsoever. I was in Norway on a tourist Visa so I wasn't registered there, all they have is my name and email address. I dont even think they know im English or where I'm from. Do you think I should contact them and explain the situation or just ignore? What are the possible outcomes? Thanks
  16. Hello, I am in pretty desperate need of advice! I rented a unit to use as a photography studio around 18 month ago. When I looked at the unit, there were a few leaks, which the landlord said he would repair, but never did. I carried on paying rent, but not using the unit as a studio, more of a storage space, as the leaks prevented me from having my equipment set up. Fast forward to December (my dad was incredibly ill and passed away in the August of last year, so all of the unit leaking and not being able to use it went right to the back of my mind) the land
  17. First of all, thankyou for being here. Your advice to others about RLP really supported me during the past year. About a year ago I was accused of shoplifting in Tesco while using the shop and scan for my household shopping. I didn't intend to steal but I accept that things were in my trolley that I hadn't scanned or paid for, and my only excuse is that I was having extreme anxiety and depression problems at the time, and my mind used to wander, esp while shopping. I was detained in the back for 2 hours while they waited for the police, eventually they were told the police were not i
  18. Hi, I am new on here but hope that you may be able to help me. I have uploaded the letters that I have received from Robinson Way, the said debt goes back to 2005, I was making payments but all stopped in 2008. I have not heard anything neither from Tesco Personal Finance or any other agencies up until now. Can you advise me on how to deal with this? Thanks in advance.
  19. Hi All, In October 2013, I moved into a shared property in Norwich as a student sharing with 3 other guys. I organised/paid the bills and they all paid me. In August 2014, we moved out of the property. We had paid monthly to First Utility and had overpaid on our final bill. I had to chase First Utility and eventually they refunded me £350 (not sure to the penny as was a few years ago and I don't have the bank account anymore). However, during this chasing, I was told that I also had a £400 (ish) credit on my account and would refund this as a cheque. I did
  20. Hi, My mother called me last night, she had a phone call from a collection agency that's she's been dealing with, and paying. She makes payments online, and it wouldn't let her, instead saying she had to call. The guy on the line said they couldn't take any money without getting full details of her finances. She refused, saying it's none of their business. They say they can't take any money, as by law they need to get these full financial details. She again refused. The guy said it was to make sure that she is not paying more than she can afford.
  21. Hi, I'm posting here because first utility supplied my old house (I have since moved). They made an admin error on the final bill, and ended up sending me 2 cheques for the final balance (their mistake not mine). They sent me a few emails saying "you owe us money for your SUPPLY (not true, it was their error) please login and pay". when i logged in, their website told me "you are no longer a customer so cannot pay us anything". The value in dispute is £70. I did give my forwarding address but I'm guessing they've lost it. I have a disability which prevents me using the phone, so
  22. Hi everyone, I'd be grateful for any advice you can offer: Plusnet offered terrible service so I reported them to CISAS. CISAS ruled that a) plusnet had to pay us £250, b) get our services working and c) if we decided to leave were not to charge us for any outstanding contract charges. We did decide to leave and in Dec 2015 I received an email informing me I needed to pay a final bill including outstanding contract charges. I responded asking for an itemised bill by post, and pointed out that they were instructed to not charge me for outstanding contract charges. I never received
  23. Hi all! I have been reading through alot of threads to gain info. We have a problem with a builder, who was supposed to do approx £27k of work on our house. I will keep details sketchy as I don't want to identify ourselves. he was a cowboy, didn't do the work as he was contracted to do (we had no written contract, but the Surveyor had specified what needed to be done and how and the quote referred to "all works as detailed in the surveyor;s report). To cut a long story short, he has had two attempts to fix the roof, and has only made it worse both times, and i
  24. hi everyone! im just wondering what my rights are if debt collectors turn up at my house. do i have the right to tell them to get off my property as they are trespassing? im in scotland. if they refuse should i call the police? or forcefully remove them with minimum force? im just looking to know my rights, thanks everyone!
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