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  1. I received a County Court Claim form for the above alleged Shop Direct debt in March and put in my defence in April. I have sent the CCA and CPR 31.44 requests but received nothing back. Now I have received a N149A Notice of Proposed Allocation to the Small Claims Track from the court and then a letter from BW Legal telling me my County Court Judgement is in arrears!! Surely if I put in my defence and the debt has not been proven then I shouldn't have a CCJ? Confused! Please help!
  2. Hi, I don't know if this is in the right section. My mum passed away in may and my brother is sorting out her affairs. She inherited her house from my Grandma and Granddad. We are trying to sell her house and the buyers solicitor has asked a very strange question. My grandma and granddad brought the house in 1940 and the house did not have a fitted bath at the time. My dad had just started a building business and installed the bathroom for them. The solicitor is now asking if they had permission to install the bathroom which of course we don't know. Is there any
  3. A few years ago my husband applied for PPI refund from a loan with swift advance, although he was definitely mis-sold it his complaint was rejected eventually via the Ombudsman as nobody wanted to take responsibilty and the correct file(s) couldn't be found with the appropriate details,he feels the ombudsman let him down big time but heyho, who is he? He recently received a letter (I couldn't upload it for some reason)stating "In line with the Financial Conduct Authority policy statement PS17/3 issued in March 2017, you can now make a further complaint against Swift Advances PLC (swift)
  4. Hello Friends, Scottish Power, my previous energy provider, had some misleading text on the bills about my current and the best tariff possible and this caused me to not switch to the best tariff. I raised this with energy ombudsman, who agreed with me and asked Scottish Power to pay me Goodwill gesture of £30.00 for shortfall in service. However the ombudsman said they cannot ask Scottish Power to pay for consequential losses due to misleading literature, which would be to apply correct rate retrospectively. Ombudsman said that compensations like consequential losses, stress et
  5. Bought a car: - made in 2010 - 89,000 miles - Ad said: "car is mechanically excellent" - Paid GBP 2900 with debit card - Trade seller After 200 miles, car broke down (engine noisy, smoking and not going anywhere). Seller said I was driving the car with a problem, hence it's my fault. Called citizen's advice, got deferred to consumer helpline. They called today, saying: 1. The burden of proof is on ME 2. I need to take the car back and get an independent export report 3. I need to prove it is a "manufacturer's defect" All these 3 are totally contrary to what I
  6. DX suggested I create separate threads for two PPI claims - this is the first for Blackhorse. I received a response to my SAR within a week of sending the SAR. I can't really work out what I'm seeing in the documents PDF attached. I've tried to be very careful to remove all identifying stuff from the documents before uploading. It seems I took out a HP Agreement for a car and PPI was added and that I paid this for 9 months and then the HP agreement was converted into a standard loan with Blackhorse / Lloyds. I'd be grateful if anyone who understands these agreements can tak
  7. Hi All, I hope this is in the right place. I'm currently looking to renew my mortgage, and this morning had the advisor come back and say it had been denied for bad credit. I immediately ordered a credit report from Equifax, and discovered a default from RBS from January 2015. I was not expecting this, as I had a 12 month payment plan set up with them, which ended in December 2014, and I foolishly assumed that that was it done and dusted, and asked them to close the account. For reference every payment was made on time, via Direct Debit. Around this time I was moving a lot, so corres
  8. Hello, I am hoping somebody can give me some advice about an issue I am experiencing with the online store "The Works". On September the 1st I ordered a toy (A remote controlled geotrax toy, costing £4) on September the 2nd I receive an email confirming that the order had been dispatched. Last week it still had not arrived so I email them asking where it had got to, I then received an automatic refund later that same day. I emailed again asking why it had been refunded, I told them that if the parcel had been lost, I'd had preferred a replacement. This is when things g
  9. After a split with my partner in 2005 i received a letter through the door which turned out to be a loan agreement , the loan appeared to be in my name and that of my ex partner . After looking into the agreement i tuned out my ex had managed to obtain a loan in both my name and his against our home . It tuned out that my ex had signed my name to a loan without my consent . It all went to court and my partner was convicted of fraud and my name was removed from the loan . I recently found out that a charging order was placed on my home as a result of this court cas
  10. Does anybody know how to interpret a BC Sar properly?! Mine is printed out in 1 long sheet and its confusing trying to make sense of it. I didnt receive any statements and after complaining i was told all the information is on the sheets! I'm looking to reclaim charges and it states :Late payment fees £84 total amount calender year to date. Does this mean in one year or the whole account time until the Sar was sent because that seems a low figure and a lot of them would have been in 2005. The account was Defaulted April 2010 and the Sar is from April 2011. Also
  11. Hi Guys, was wondering if anybody can throw some advice my way. Upon finishing my shift today, I went into the office with a colleague to find out what job i had tomorrow, and was told I didn't have a job tomorrow, and to open a letter I was handed (In front of my colleague). The letter states as follows: Dear XXX, ABSENCE MANAGEMENT HEARING Since you have started work at XXX Ltd, you have had a total of 26 days absent from work in the last 12 months. Due to the level of absences that you have incurred, you are required to attend an Absence Management Hearing whic
  12. Hi, I hope I have placed this in the correct place. This matter relates to a close friend of mine who is not internet wise so he has asked me to try and seek some advice on his behalf. It is complicated so if this post is long I will apologise in advance, I just wanted to get as much information that I could before posting up so you guys could point me in the right direction. My friend, who is registered disabled, but always worked, has always left the running of the house including all matters of finance to his wife. Unfortunately in May 2012 his wife died
  13. Hi - New member, so I hope I'm doing this right. I had a letter from Barclays this morning outlining the new overdraft charges they are about to introduce. I understand the basics, but I wonder if there's anyone out there who can help me with some confusion I'm having about my account setup? Basically, this is my problem - I have an Overdraft Limit of -£800, and an Emergency Borrowing limit of -£500. The confusion is, I would have assumed that Emergency Borrowing would be set at a limit higher than the overdraft limit. At the moment I'm £720 overdrawn, and have been for some time. I
  14. Hi there, Im hoping somebody could help me with my situation. Its quite confusing so I'll start from the beginning. On 29th Jan 2013 I was pulled over outside my workplace by a policeman. I was in a rush to get in and asked why i had been pulled over to which he had no answer, so i pushed for the reason. He eventually pushed forward towards my bonnet and noticed i had a crack in my windscreen and told me that was the reason i was being pulled over. it had only happened the night before but where i was protesting he didnt want to listen. I was not in uniform o
  15. [ATTACH=CONFIG]50413[/ATTACH] http://i.imgur.com/lcofTi2.jpg The road has yellow lines everywhere, and half painted bays on the pavement (but not on the road). Other lamp posts only have the yellow sign, not the blue one.
  16. Hi I wonder if anyone can shed light on something for me please. I CCA'd Robinson Way some time ago, got a response from them which says: "Further to your request for a copy agreement in respect of the above account, we now enclose the relevant documents for your immediate attention. Please note that if an original credit agreement was not available, under the Consumer Credit Acts a reconstitued copy may be provided. We need to hear from you with your proposals for settlemnt of your account, which is long overdue for payment, within 10 days." I have been ill
  17. Good afternoon guys, I have a strange situation I am in and wanted to get as much advice as possible as to what I can do or what my options are. I was in a long term relationship with a girl, throughout it we were both in and out of work, to be fair me more so than her. She moved in with me and lived with me for the best part of two years. Basically I ended up borrowing some money from her to the tune of around £1500. We go through a messy breakup and she wants her money back. That's fine so I start paying her on a monthly basis but what with losing my job, racking up
  18. hello all I have a problem regarding import VAT for my business. At the start of the year, I purchased goods from a company in Saudi on agreed payment terms of 60 days from shipping date. When I received the relevant documents, I forwarded these onto my customs clearing agent, who then took care of duty, vat etc on my behalf using their deferment HMRC account, and I would then pay back to them the sum paid in VAT once I had received the goods. however, the supplier in Saudi then changed their minds on the payment terms and insisted on a bank guarantee from me (letter of cre
  19. Hi All, My Sister has just received her DLA renewal award, it has remained the same High Care and High Mobility, what is confusing me it states she will receive this for the rest of her life, I thought everyone has to claim PIP from April of this year??? any suggestions..
  20. Hi all, Sorry if this is in the wrong place, please feel free to move to the correct place if so. So my daughter has recently moved into a new build house and has tried on several occasions to register her Gas Meter with British Gas for them to supply her. They do not have her address on the data base and are asking for a Meter Point Reference Number. This said number is no where to be seen on the actual Meter. Telephoned Transco up to see if they could provide the MPRN, no luck with that either, they say that the supply is probablly has been Transported by an Independant Supplier.
  21. Hi all, a couple of weeks ago I received a letter from the council (housing benefits) saying that our benefits had been suspended because they'd been informed that our tax credits had stopped. News to me! So I phoned tax credits and apparently they hadn't received my renewal! Anyway, they reinstated them and I had 2 payments made into my account this week to bring me back up to date, and was told that I would continue to receive £122 a week. However I still wasn't able to get the housing benefit suspension lifted untill I received my award notification from tax credits. Well today
  22. Hello all, Need some help for my brother who has found himself in a really strange and quite worrying position at his work. He works for a well known supermarket and was under suspension after being accused of putting lottery transactions through incorrectly. A bit of background, this is the third time he has been suspended and each time previously ( on different accounts ) was dropped immediately due to it being proven it was unfounded. There have also been a great number of staff members suspended in a short period ( 24 months ) and complaints made against the manager at the stor
  23. I have been given a ticket and appealed it on the basis that the signage isnt clear. The council say that its a market traders bay and active only on match days as it is near arsenal football ground. Before I went there the person I was seeing made the effort to get a valid temporary residents parking permit for the day which I correctly adjusted. I researched the day before to make sure that it wasn't a match day and the team were in fact playing away. I arrived on the day and read the sign very carefully and there was a bay with a number in it but on reading the sign which was between my s
  24. Hello, I guess I am being thick - but I really don't understand this sign, close to my house. 2.5T lorries and passenger buses, No waiting Mon to Fri from 12 midnight to 8am and 6.30pm to 12 midnight Sat and Sun - no waiting whatsoever [ATTACH=CONFIG]41122[/ATTACH] So during the day, parking here is allowed? Can anyone assist? The road which this sign is on, leads to my road, a private gated mews. Cars are often parked up during the day, making access difficult. One day an emergency vehicle will need to gain access but it won't be able to. And someone will
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