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  1. Hi there, I have recently sold a property which was mortgaged on the well known Together product. I financial advisor advised that I delink and retain the surplus as a deposit towards the purchase of a new property (currently renting at present due to relocation). The apr on the unsecured element has jumped to over 12%. While this was not unexpected, this is a huge amount, and with the remaining term of 25 years, I will be paying in excess of £100k on an original £30k unsecured element. To me, there must be a case of mis-selling here. I know there have been moves to challenge all this, with nram actions groups etc, but it seems to have gound to a halt. Question is - has anyone successfully challenged the crippling t's &c's of this hike in apr? Is this something worth pursuing. Its late at night, so I can elaborate more on my specific circumstances during the wekl. However, any advice would be greatly appreciated. Many thanks.
  2. I appreciate any help and advice I can get on my case as I feel I have hit a brick wall with Vodafone. I will try and keep the summary below brief. In short I sought to upgrade my old 12m contract to a new 12m contract and upgrade my old iPhone 6 to a new iPhone 6s Plus. I placed a pre-order, only to receive a 6s and not a 6s Plus which was delivered around 5 weeks ago now. Phone was returned promptly as possible. Vodafone charged me for the upgrade via direct debit and have yet to refund me for the returned handset. Furthermore they have not rolled back my tariff as I was advised to ask them to do, and there has been a problem with my contract dates, meaning they do not see me as being owed a new handset, believing I have already upgraded. My old iPhone 6 has been associated with this new contract and I have had problems unlocking it as a result, to this day I have not been able to successfully unlock the phone. So to summarise, I am owed £385 plus the difference of my new tariff versus my old tariff (approx. £10 for the 2 months that have elapsed), an apology for the sheer incompetent and inaccurate customer service wouldn't go amiss either. Given the time elapsed I will soon be considering legal action if not resolved to my satisfaction. Long version: On Sep 12th, 2 weeks before the release of the new iPhone I received an email inviting me to upgrade. I called customer services and explicitly placed an order for a 6s Plus and agreed to a new monthly tariff. On Sep 24th I received an email from Vodafone thanking me for my 6s order. I queried with customer services to be told not to worry and a 6s Plus was on the way. On Sep 25th I took delivery of a 6s and not a 6s Plus. I called customer services who told me I could try and return the phone to store, but would most likely need to wait for a returns bag which I was told should be with me within a couple of days. 1 week on and I had not received a returns bag. Another call to customer services revealed a returns bag had never been ordered for me, but one would be dispatched. Extremely frustrating, but this time a returns bag did turn up. It was also confirmed to me I was due to pay for a 6s Plus and not a 6s, so appeared to be a "picking error". I received the returns pack and posted the unopened box back on Oct 7th, and can see via tracking the package was signed for on the 8th. No confirmation of receipt of return was given to me, despite customer services claiming I would be sent an email or text updating me with the status. On Oct 14th I called customer services to confirm they recognised I had returned the phone, which they did. I was informed I would be charged for the phone in my next direct debit payment. I asked if, given receipt of my handset, they could reverse this charge, but they said no. I was told the refund payment would be processed within 72 hours, but to this day there is no sight of the refund. I was given the option of cancelling the direct debit payment (including the contract payment), which I declined as I didn't want to end up in a situation where I was showing a missed payment opening a whole other issue. At this point I asked for my tariff to be rolled back to my previous contract terms, and was told this would be done. On 15th Oct I was unable to make or receive calls, despite having full signal. I thought this might have to do with a tariff adjustment. On visiting my local store to home this seemed to be a network issue that was resolved 3 days later, but over this time I could not make or receive calls via 4G. No notice from Vodafone on any network issues. On 19th Oct I visited a store local to my work to check on the process of my refund, my tariff change and my showing of eligibility to upgrade. Nothing had changed despite being more than 72 hours since I was told these changes would take effect. On 20th Oct I attempted to unlock my iPhone 6 which was now past its 12m contract date, only to receive an email saying I hadn't yet paid 3 months worth of bills on this device. It then became apparent my old phone had been linked to my new contract. A further visit to my work branch saw me have to repeat the sorry story again, and this time the sales rep sent an email to "HQ" telling them what needed to be done. I saw him type the email and it covered all the necessary points. Despite promising to keep me updated, this individual has not contacted me once with an update. The manager local of the branch local to my home has called sporadically but hasn't manage to resolve any of the key issues. On Oct 27th I sent a recorded letter to Vodafone head office, detailing the above points, requesting I wanted the above to be rectified; a refund for the handset and the excess tariff charge, to be able to upgrade my phone and to be able to unlock my old phone. It has been a week now and the letter has still not been signed for. I cant recall sending a recorded delivery letter and it not being delivered within a couple of days. I called customer services last night on 3rd Nov, explained my story again and was told it takes 72 hours for a refund and they had been promising this for nearly a month. I told her I had written a formal letter of complaint and would be seeking further action to recover monies that I am owed if not resolved, to which she hung up on me. Throughout this process customer service has been atrocious, plain and simple. Lies is a strong word, but it would appear I have been told false information on numerous occasions. No one seems to be able to help, and no one I have been able to reach in the company has any authorisation to override what is a relatively simple mistake, and a mountain has been created out of a molehill. I have spent hours on the phone to 191 and would estimate the average wait time is about 45 mins, and on more than one occasion I have been cut off. I will not hesitate to proceed with a small claims charge if need be. Vodafone have been quick to take money from me, and slow to refund, and have not refunded when they have said they would have. This has caused me some financial inconvenience as I have had to move money around to cover this handset charge that would usually be offset by me trading in my old handset. I would be extremely grateful if anyone with sufficient authority at Vodafone could contact me to resolve this (if this person even exists), and to also receive some advice on how I would prepare a case for a small claims court and what I should be looking to claim for. I would need to take a day off work, so would seek cost associated with this too. Beyond the financial aspects, I would like to receive an apology from Vodafone, for what is their error, but yet I am the one having to chase all loose ends to try and get a resolution. Thanks for taking time to read.
  3. hi all, I recently have had my income cut from £1700pcm to only £430 pcm for personal reasons which are not really relevant.. I have debts I was paying but am unable to continue to pay them. Currently my outgoings monthly are more than what I earn and I need to cut down my monthly spendings... As you can imagine you cant afford much with £430! I have done an online questionnaire with Step Change who based on my answers have recommended bankruptcy... I don't really know the implications and people are putting all sorts of scary things in my head! If you go bankrupt does that mean you can no longer have a bank account? I will still be working so will need to be paid my wages! Can you not have direct debits to pay for things anymore? So car insurance etc you would have to pay in full? Also will anyone be able to take my car? Its only an old 1989 Golf and I use it to get to work. Wouldn't of thought it was worth a lot! How long does it affect you being able to pay monthly for things? Does it affect anyone else living in the house? I mean it wont negatively affect their credit will it? Also if I have things bought on credit such as a sofa and dishwasher will they come and take them back? Thanks for any help
  4. i'm proposing a personal attempt at arranging payments to my creditors, i will attempt that and see what happens. the other option will be bankruptcy, ive no assets and know what it entails, i did it 8 years ago. my question is, i hold a santander current account which all my pay etc will go into and which my debts are being paid. if i go bankrupt can i still use my other current account with natwest who'm i owe nothing to, to pay my wages into? will the administrator let me do that ? so i can ringfence my money in the early days
  5. hello, first time here after reading some posts thought I would join in the hope I could get some advice. I have a dmp with pay plan, had since 2011. 5 creditors and according to my pay plan summary have approximately £10,700 remaining to pay. My review is due however I am now in a better position financially and want to get my debts paid off quicker. I looked into a loan to consolidate just to see what the monthly payments would be over a 3 year term and it would be manageable. The issue being that I would be unable to get a loan. I want to look into the option of ending my dmp to try and get my debts paid off sooner, ideally within a 3 year timescale. There are 2 creditors that I could pay off within 12 months but as pay plan payments are set, the dmp wouldn't allow for this. I'm worried however if the creditors returned to the previous payments with additional interest that I wouldn't be able to go it alone. If anyone could possibly give me some advice as to what my options are, whether negotiations with creditors are possible and what I need to do it would be massively appreciated. Pay plan are hounding me for my review however I don't want to speak to them until I know what my options are as to whether I can get rid of this debt quicker. Many thanks
  6. Info in brief Back in 2002/2003 I opened a Barclaycard account and my boyfriend of the time used it. I was not as financially aware as I should have been and ran up huge bills, which I was unable to pay at the time. I default for about 7.5k in 2006. In 2008 I heard from 1st credit regarding the debt and I made a couple of payments. Since then I haven't heard anything until 3 days ago I received a letter from "Barclaycard' giving the card number the balance outstanding and their reference number. They stated that they "hereby give notice of the assignment of the debt due to us by you in respect of the outstanding balance on your Barclaycard account." It then goes on to say that on 13/03/2007 your account was assigned to 1st credit who are now the legal owners of the debt. Today I have received a letter from 1st credit introducing themselves (as if we’ve had no previous contact before” and saying the want the spondoolies and if I don’t pay them this will result in more formal recovery proceedings. It does state that they will comply with any request for a copy of the personal information that is held about me on their system, and that I need to send £10 and a self addressed envelope to the above address. So here goes… 1) Do I CCA them? (Are Barclaycard good with their record keeping) 2) At the time I paid them I was unaware that they were the owners of the debt. 3) Should I SAR them? 4) Should I ignore them 5) Is it worth sending the Statute barred letter or is it likely they will find the payments Any help would be GREATLY appreciated. I had thought that this had gone away but clearly not. One final point the quality of the paper the barcodes on the letters look nearly identical and also the writing on the side of the paper is also in exactly the same place. One of the words is Comproc Thank you again Sarah
  7. Hi, I received a parking ticket on Friday and when I challenged the one sign on a long street saying pay at meter. The nearest metre to my car was over two blocks away. When I explained to the traffic warden that I didn't feel that the sign was sufficient he advised me to appeal as 'a lot of people complain to about the parking notices around this area and the nearest payment machine is way down the road'. Can anyone advise whether they think it would be worth appealing under these circumstances? Thanks for any advice. Anedar
  8. http://www.theguardian.com/politics/2014/feb/20/people-stripped-benefits-charged-decision I remember writing a post the other day on one of the threads, and considered writing that the government could be even more obstructive and start charging for appeals - then I decided no, they wouldn't be stupid enough to even consider it, and I was wrong......
  9. I have been with Payplan for around 7 years and have cca all of those whom I don't recoginise as the original creditors. Not surprising no one has complied which means three quarters of them are non-compliant. I thought of asking payplan to stop paying them but don't have much confidence in them doing it with out a lot of hassle so I am thinking of cancelling the dmp and dealing with the legit creditors myself. Any thoughts anyone?
  10. We have a leasehold flat mortgaged with northern rock. We cannot sell it as the lease is only 68yrs left. We bought it 6 years ago so it would of had a 74 year lease. to renew is 10-15k. I would like to know if i would have a case against A. the mortgage company or B. the solicitor as if i'd of known the difficulties i would encounter trying to sell on or the cost of renewing lease i wouldn't of bought it. As far as i can remember neither of these points were pointed out and we are in that position now ourselves as mortgage companies wont lend against a lease that short so preventing buyers apart from cash buyers.
  11. Good afternoon, I am considering making a Full & Final settlement proposition to the DCA on a debt that was originally an overdraft from Barclays. The debt is currently with Lowell Portfolio, and the total debt is £650 The default was logged on my file on 28/10/2010 and was originally by Barclays, but after Lowell got the debt they also logged a default for it, which I had to contest with the CRA in order to get Barclays to remove their default as Lowell as new owners had added one, which Barclays eventually did. Anyhow, I got the odd letter from Lowell, threatening various things etc, then got the "solicitors" letters which then turned back to Lowell letters etc. Most recent letter is one saying they are about to pass it over to ScotCall as of the 18th April, but can still communicate with them till this point. I am fed up of these letters, and know that scotcall do doorstep visits which I want to avoid as don't want them coming round when im not there and my partner and 18 month old is. So this is why I am considering writing to Lowell offering a F&F of approx. £200 as that is all I can realistically afford, as I am not in a position to make monthly payments to them, and ideally do not want to even acknowledge the debt unless it is to make this F &F and get it paid up and satisfied. What do you guys think I should do, and do you think they will take £200? Thanks in advance
  12. Hi, Many thanks in advance to anyone who can throw some light on this please. I have a house in UK which was bought before the financial meltdown. It is now in negative equity of about 40,000. I moved to USA permanently in May 2010. I do not have any other property or savings in either US or UK and my US salary is just enough to meet my expenses here. I cannot afford to pay the mortgage on my house in UK any more and I don't have the money to pay the shortfall. Right now I am considering giving the keys back to the bank and filing for bankruptcy in UK. Before taking this desperate measure, I want to know whether UK bankruptcy will affect my credit rating in US? Also, when you file for bankruptcy in UK, will they (the receiver or the court) inform my US bank or employer about the bankruptcy? I have enough trouble in my personal life as it is and I dont want this to cost my job in US. Once again, many thanks in advance.
  13. My credit file is pretty patchy; I've got 10+ closed accounts, one of which was a ~£2000 credit card write off that happened in late '11, another was a credit card that went to default and then I paid off the balance (~£750) in full, in Mid 2009. Unfortunately it was at this point that I decided my credit score was ruined and stopped making payments to Barclaycard (and my circumstances have since changed and I have hardly been able to afford rent most of the time since then). I'm currently living with one of my parents (and previously was living with the other), and they've offered to assist me in clearing my main debt, which is a £5200 credit card balance which I've made no payments to since two small payments in August and June 2009, and no proper payment since maybe early 2009. Early 2011 this was marked as closed on my credit report, with no default markers (says DA) and reappeared as MKDP (who I believe are owned by Barclaycard in some way). Late 2011 thru to present there is a default marker on this, and the record will exist until early 2017 according to the credit report I've got. I've also got current open records with two banks and t-mobile and they're all up-to-date, although that's because I pay my mobile bill and barely use my active bank account for anything else (and the other bank acc is a dormant account I'd forgotten I had until I saw it on my file today). I also owe (in three separate amounts totalling) ~£200 to a debt collector, on behalf of some mobile companies I think. I've got income of around £250 a month, though I'm unsure whether I should disclose this income as I'm paid cash in hand. I'm very careful how I spend what money I do have, and don't claim any benefits because I'd rather be working even if I can't find anything decent. I've read on this website that I might be able to offer a lump sum payment considerably lower than the amount outstanding, for old debts, do you think I've got the right sort of scenario for this to happen? I don't see much point in making token payments of £1 a month since according to CCCS this can only be a very temporary solution so it doesn't solve anything.. Any help very much appreciated
  14. Dear All, I wonder if you can assist. I was inolved in a partnership that basically went south, the senior partner ended up getting the boot leaving me saddled with debts of around £24k I tried to re work these debts however a down turn in business resulted in additional debts of around £30k being incurred with HMRC for PAYE. Coupled with my personal debts I think i ower nearly £90k I do own a house with my wife however we are seperated, that said there is a secured loan on the property under my name so i know that for my part of the property there is negative equity. I currently live in a different property which is rented. I have no real concerns on the house front due to the equity minus the unsecured element still leaving the house technically in negative equity on my side. The area I am interested in is that my wife owns the Ltd company I am involved in, I used to be a director but stepped own in July and now technically just do Sales, the day to day management and running of the finances, suppliers etc falls under my wifes remit as sole director. My questions are :- should i be concerned about my PAYE role in the company? obviously my wife does not have an issue with the bankruptcy but will the official receiver? could they stop me from being involved in the company as it is a husband and (ex) wife team? Will the Official recieve visit my rented home? We have a business bank account under the company name for which i have a card (it is a ltd company) will the bank be notified? We do not have joint personal accounts so i presume it is only my account that will be frozen? Are there any areas that I should be concerned about may have been an easier question! Thanks
  15. Hi, I'm currently claiming Income-Based JSA and receiving £71 per week. I am considering taking in a lodger under the Rent a Room Scheme. The rent would be £85 per week. How would that affect my benefit? At present I'm not liable for Council Tax either would that be affected? Any replies would be appreciated. Thanks Terry
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