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  1. Hi all, I am hoping someone can offer me some advice please as i am a little confused by all this. I took out a secured loan in 2006 with Welcome Finance and thereafter got into financial difficulty with the loan going into arrears. A company called Experito Credite then got in touch to set up a payment plan, which I did paying them £50 a month. After this, the loan was then transferred over to Lowells who i continued with the same payment of £50 a month. However, on looking at my recent Lowells statement, it claims a company called Sigma Financial Group are the origin
  2. From what Ive read on here, im going around in circles.. can someone comment? Way I see it :- 1) you send an inivoice, 14 days to pay, " i reserve to take legal action without further notice to you" written on it 2) Send a notice before action FORM (it used to just be a letter but now is this form? https://www.justice.gov.uk/courts/procedure-rules/civil/pdf/protocols/debt-pap.pdf 3) proceed with coourt claim after 90 days? Citzen advice here, says something else https://www.citizensadvice.org.uk/law-and-courts/legal-system/taking-legal-action/small-claims/Problems-with-good
  3. This relates to a case against my daughter by a builder. She put in a defence and counterclaim. The builders claim against her was not valid and he did not abide by the Civli Procedure rules when initiating the claim. He did not respond to her counterclaim. The judge ordered a allocations hearing. My daughter was unable to attend and the reasons were accepted by the judge. She has received a General Form of Judgement Order and it states: The Particulars of Claim are struck out for non compliance. The judge further ordered that the Claimant must by a certain date file a new cla
  4. A few months ago I enquired about PPI on some old Egg Loans I had in the early 2000's. This morning I had a letter from Canada Square with their decision. On one policy did not have any PPI on it but the other 2 did and they have upheld my complaint. It says the total redress is £4,256.55 but that out of that amount I am only getting £2,168.60 because of a Final Loan adjustment £1,849.17 is going to a company called Arrow Global Receivables who my loan was transferred to in 2011. There is also a deduction of £2,365 listed as "Less any previous rebate paid" I was never paid an
  5. Cutting a very long story short. Applying for ESA first time in January two letters were enclosed with the ESA50 form requesting a home visit and recording for a ESA F2F assessment. Received Maximus letter for ESA f2f assessment at beginning of April at one of their medical centres. Rang Maximus and told them there was no letter from them to give the reasons why a home visit was not granted. Was told by Maximus the DWP Decision Maker has disallowed the home visit. Rang DWP and told them Maximus said the DM has refused a home visit and and asked the reasons why. W
  6. Hi, I am a bit confused about what I should receive as an NHS patient at a dentist. My OH and I have always gone private and paid lots of the years, but neither of us have a check up in over six years. I always felt I had good teeth and have flossed since my teens. Anyway, I broke a tooth last week and rang around to see if any local dentists were taking on NHS patients locally. I found one and booked the earliest appointment they had, which was last Friday. The dentist took about 4 x-rays and told me I had severe gum disease and no teeth could be replaced unti
  7. Hello all, I would be very grateful for some advice please regarding my current employer as things don’t seem right to me. I have handed my notice in to my current employers who I have been with since 2013. They are a small family company, I am their only employee. Since handing in my notice (I gave two months’ notice) they have been behaving weird and I am finding hard to trust them. We have had a busy month and I have had to work at lot of overtime. Including all the Easter bank holidays and the weekends. I don’t have an agreed overtime rate. I don’t get payment
  8. Hi there I have an account with Marbles / Newday. the credit limit is £600. I'm self employed and had a period of ill health, in hospital over that time things ran away from me a bit. I got out last week and started to tackle the huge pile of letters, charges etc. over the period Oct to January I missed on average 3 payments with several providers. Over the last week I have made payments to all of them to cover all charges and get me a good chunk under the credit limit on those that it had pushed me over. With marbles the latest statement 14th Feb showed:
  9. Hi. For the last 3 years, I've been the carer for my wife. Through unemployment, we have a joint ESA claim. Due to unemployment, I had the spare time to look after her, and did as I imagine any partner would do. The claim is in my wife's name, we get £280 a fortnight, as she was last put in the work related group, although her advisor believes she should be in support... But we need to wait for the next medical, and the people doing that have previously failed her 3 times with 0 points, before we went to court each time and they found she should have scored between 10 and 16. An
  10. I believed a debt was statute barred when I checked my credit file last payment was in 2009, now it has gone off my file. Lowell now demanding payment, I sent a statute Barred letter to them they replied that termination of service was in 2009 but payment was made in Sept 2011 so not making it statute barred which I totally disagree as my situation was so bad for that period and could not have afford to make any payment from 2009. I don’t have the bank statement, the account had been closed. I sent a letter to lowell to prove date of last payment but
  11. I have received ESA in the Support Group for 2 years until this week I had a letter saying that follwing a WCA in May I would no longer be paid ESA. I immediately wrote a letter asking for my claim to be reconsidered as comments made from my assessment were not exactly accurate. I contacted the department and asked what was the next step. I was advised to claim either JSA or Universal Credit. I have spent many hours trying to do just that. All automated lines tell me to claim online, JSA results in a message that if I have had an ESA during the last calendar month to claim universal c
  12. I have just received a letter from DCA Rossendales Collect for £130.15 for PARKING CHARGE NOTICE. I have not committed a Parking Offence and as such have received no notice. The story goes as follows: A year ago my daughter inadvertently drove through the Barrier Free Toll on the M50 south of Dublin in my car. I was a passenger. It is not clear, unless you are a local that you have actually gone through this toll as just a short distance further on there is another toll with a barrier, for which she paid. We travelled through 3 such tolls on our way to Co
  13. I am confused as to why the coop won't close my acc yet keep charging me...... I was looking for a loan online few weeks ago, i seemed to complete various applications, then all of a sudden, companies started requesting monies from my acc, I notified the bank and they said they would put into dispute and look into various matters. It happened again and i asked why. They say that I need to resolve issues with companies, yet they all have different names to where I applied to, brokers etc. Can I demand the closure of account? If they don't allow me anot
  14. For years I have been struggling with debt but I got in contact with payplan and applied for a DRO. All the paperwork was set up with all my debts on. Council tax is with Marstons. I then received a letter from Rundles saying they were recovering council tax. I thought the council and changed agents and now everything was with Rundles. I informed payplan and they amended the paper work. I was just about to pay the £90 fee when last week while I was in bed asleep after a nightshift. An Enforcement guy...tapped on the front door and walked in scaring the life outta my partner who was in t
  15. I am not sure if this is the right place to post this. Apologies if not. I have a mortgage with Paragon. I recently changed current account from Natwest to Santander. I called paragon and gave them my new bank details. Mortgage payment was due out on the 30th May. The money never left my Sanatander account. Called Paragon the day after payment should have cleared who advised the dd mandate was active and all up and running correctly. They re checked my new account details... all fine. Paragon said it could be delayed due to Monday having been a bank holiday. Told me to
  16. Just got back from an eviction hearing - though I didn't ask for help - I have read endless threads and derived a great deal of strength from this site. I thought I'd briefly outline my story to give help and hope to others in my situation. Long story short bad payment history - secured loan in arrears of £2,400 - lender wanted repossession and would not agree to payment proposal. I knew I had no option to but to submit N244 to save my home. Filled it in and secured budget sheet and wrote a rather lengthy statement outlining my reasons for getting into arrears
  17. Hi, I have been left rather confused by an ebay transaction recently. I have been ebay-ing for 10 years or more. Basically I won a samsung galaxy s6 edge+ spares and repairs. It had screen burn. I knew samsung would fix it under warranty and they have done. That is not issue as such. The ebay seller I got it from is a on-line cash generator type pawn shop. My hubby didn't realise that at time of bidding. I asked the seller if he'd done a Checkmend report before I paid for the phone but after I'd won it. He said 'No'. I paid for the phone and did my own Checkmend report t
  18. Hi, Thanks for taking the time to read and hopefully you can offer some sage like advice. My partner has notified ford of her intention to vt as she is in excess of 50% of the amount. They have sent a letter confirming today. Firstly this letter is asking for payment for usage from her last direct debit date to the date of letter received. Is this correct? She was up to date with her payments with no arrears at time of them receiving letter. The car is planned to be collected from me next Friday as my partner will be at work, should I sign any paperwork they b
  19. I have returned! Having not posted since 2014, no issues, no debt afaik everything gets paid, tax paid on time, bills utilities etc that kind of thing. But we awoke this morning to find a message on our answerphone from Fredrickson International instructing somebody who they believe lives here, with a VERY dodgy sounding name to contact them with a reference number... They had called, hung up and then called again to leave this automated message. I am totally and utterly confused as to what this is? We have no debt... nothing! Back in 2011 I had a letter from an agen
  20. Hi I have had an ongoing issue with Orange now EE for around 2 years. It all started with them charging for stuff that was included in my contract package, I'd ring them and they would wipe it off, however the following month it would appear again and the deficit got more and more so in the end I chose to leave. They have now been hounding me for £214 that I do not owe, I sent them the sar etc and received nothing of what I asked for but a bill showing that they had -214 off my bill so my balance on the account was now zero. Please see attached picture
  21. When my husband died last year we were in arrears with our Council Tax. I went to the Council and an arrangement was put in place which I've adhered to. Until yesterday, no problem. Yesterday, two letters come through the post from Ross & Roberts addressed to my husband. They were pay up within 7 days or we will take you to Court letters. Being somewhat bemused by these letters, I had a vision of letting them take my husband to Court, me going to Court to "represent" my husband and asking the Judge if the Court could employ the services of a Medium so my
  22. Hi I am asking for a friend so please bear with me, he accidentally caught a neighbours g/f car as he backed out his driveway, the driveway does have a blind spot. He admitted it straight away and it has all been sorted out but he is now worried as today he got a letter saying the claim has been settled and his No Claims discount shall remain disallowed? He had about 4/5 years no claims and it is protected, any know what it means please? Letter said he has no need to take any action Thanks Sandy xx
  23. Monday 19th I opened a letter from hm revenue and customs saying that I paid to much tax and they owe me some money it said go online and claim the money back so I did and it said it can take 3-5 days I've logged in and it said HM Revenue and Customs paid you a refund of ... on the 22nd Septrmber 2016 and it's not even the 22nd and I have not got the money
  24. We currently have about £6k outstanding of a DMP we have with Stepchange. We have been repaying for about 11 years and had 1 year left except my wife lost her job which knocked the payment right down and now some of the creditors are starting to harass us. BIggest concern is Barclaycard. My parents have offered us £1800 to act as a full and final settlement but looking around I came across this forum and 'Cash cowing'. Now i'm concerned what the best way forward is. Debts are: WESCOT CREDIT SE... £1,331.49 LLOYDS BANK PLC £1,245.25 LL
  25. im really confued as i didnt attend the medical but sent off a form explaining why , i then recieved a letter back saying :"we have looked at your reasons for not attending a decision maker says you are capable of work from the 15.04.2010 " (this box was ticked) then underneath is says "this means we have decided that you are no longer entilted to which were : Box One : Incapacity Benefit And National Insurance Credits Box Two : Severe Disablement Allowance Box Three : National Insurance Credits The Box They Ticked For Me Were Just : The 3rd One "National Insurance Credits"
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