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Found 19 results

  1. Hi all, I started a previous thread to share my general issues, but am posting in this section for specific advise relating to First Direct. Previous forum address here if anyone is interested: http://www.consumeractiongroup.co.uk/forum/showthread.php?458839-Low-income-6-year-old-debts-and-worrying-about-the-possibility-of-future-court-action I had an account with an overdraft, credit card and loan with First Direct (all pre Apr 2007). I defaulted on payments for the credit card and loan back in 2009, at which point, they closed my account, merging the credit card and overdra
  2. nhs contracts? Hi all, i am now working in the nhs as part of the theatre department and in doing so signed the usual contract agreeing to working on calls, late shifts and weekends etc, the problem is that some staff are not taking part in this arrangement because of various reasons ( my cats scared of the dark or little johnny wets the bed) sanctioned by the managers and therefore the remaining staff are having to work extra shifts to compensate. My question is, are we all being treated equally and do we have any basis for taking action against the management. Any h
  3. Hi All I hope that you can give me some advice as I am not sure what has happened to me today is legal. I had to have the vet out to my horse last year and had to pay 500 in advance for his treament and then the rest on account. I had every intention of paying. The debt was in my married name (I have since reverted back to my maiden name) at an old address. My horse was treated however the vet made several mistakes (such as not adminstering him antibiotics which resulted in cellulitus) I disputed the amount at the time. The vet said they would redu
  4. Hi, I am hoping someone here can give me some advice as I am really worried about this I changed my home insurers to John Lewis (from NatWest) in January this year. No specific reason as I was always happy with NatWest but my premium had increased so I shopped around. To my knowledge I gave JL details of all previous claims (i.e. I am not aware that I failed to mention any) and I did not take out no claims protection or did I benefit from a no claims reduction in my new policy. In June last year I claimed with Natwest for a damaged speaker under the accidental se
  5. 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
  6. My father is in his 70's and was worried when he received a Parking Fine from Athena Ltd and complained to me that he actually parked in their car park and shopped in the Lidl store. He was there for quite a while and I am unsure if he went anywhere else either way the ticket states he was 1 hour and 13 minutes. In his annoyance my father contacted Athena to complain about the ticket and was given a deadline to appeal but handed it to me to write to them. I was very dismayed that he contacted them and informed him that he should not bother with civil parking fines but as a
  7. Hi Hope someone can help with my query. Some weeks back I received 2 notices of enforcement via post re Council tax liabilities sent from a bailiff. However, I disagreed with the figures as they did not correspond with an email I had been sent by the Council earlier in the year. I decided to respond by emailing the council 2 weeks ago to dispute both bills saying that I was disputing the sums owed and that I wanted them to take back the debts as I would not deal with the bailiff. I wanted to deal with the Council directly. Today, via email, I received notification
  8. Dear Sir/Madam I hope that I have put this in the right place and apologize if I have not. I am new here so thank you in advance. Some time ago I saw an advert for the Claims Guys which said that they would find out if I had PPI and if I did they could claim it or I could do it myself. I thought that this was fair enough, that they could find out if I had PPI and I could do it. They sent me heaps of paperwork. I filled in three questionnaire about my bank details etc. Black horse contacted me direct on the phone and questioned me about my mis sold PPi which they
  9. First, thanks for this great forum. I have been contacted by a tracking company which appears to be owned by Global DR Ltd. The wording in the letter is exactly the same as that found in the GDR letters posted elsewhere on this forum. They are trying to contact me as I "may be the person our client wishes to make contact with." I don't know what this is about precisely but I suspect it relates to a debt dating back 16 years or more. I have a couple of questions if you guys have the time. First a few facts: - I have not spoken to anyone about this debt since 2000is
  10. Hi, My husband and I have been on a debt management plan for 9 years know. During this time we have done regular reviews and our repayments to creditors have gone up as well as down depending on our circumstances. Various debts have now been sold on to debt collection agencies, one agency who currently has 3 of my debts is cabot financial. After a recent review with payplan our repayment has unfortunately gone down temporarily. Cabot financial have been ringing me constantly since. I eventually spoke to them on Friday and they said it was because i wasn't meeting the contractual amou
  11. Hey, currently sitting here with a stupid wonga loan, on a repayment plan. in arrears by 270 days at £320. Been amending my repayment plan almost every other month as I am unable to afford it due to loss of hours at work due to disability. When I took this loan out I was in a bad place, and only earning £350 a month, i believe that they should have refused me on the basis of my income. I phoned them and they said I would receive an email today or tomorrow(!) if my debt was being written off.. Been worrying about this all week. So, has anyone else been written to regarding this matter
  12. Hi I'm self employed and have had "sole trader" status since 2012. Prior to that I was in a business partnership. My business partner was responsible for the financial side of things. He "resigned" in 2012 and I discovered he'd left everything in a right mess. He took all the money from our business bank account, hadn't paid suppliers or the VAT. It took me a while but I sorted all of those issues out and now the business is back on an even keel. I also discovered that he hadn't submitted HMRC tax forms. I submitted all the ones that I could, paying 100 fines for lateness etc. One f
  13. Hi , I last posted on the site in 2008 about a credit card debt , l had arranged with the creditor to freeze the account and pay x amount a month in 2006, then without telling me they sold it to a DCA so l paid them as arranged but then ended up in hospital and missed my payments, l was then contacted by another DCA to pay up or else, by this time I'd seen your site on got some good advice and sent off the appropriate templates, ie telephone harrasment and consumer credit act 74 and enclosed £1.00 p/o. They wrote and said they would forward my request to their client and should here from them
  14. H i i love this forum i have used advice on here many times, my problem is many years ago i had a bank account that ran into trouble i was made unemployed moved from the area etc etc,that was over twenty two years ago and for the last 20 years i have not been contacted paid or acknowledged any debt....then recently a company contacted me after being bought by another company saying they now manage the debt and if i pay half the amount it will clear the debt then i received a phone message on my mobile(how did they get my mobile) asking if it was me i just ignored that message...... my qu
  15. I've been living in Australia for over 4 years and recently DCA phoned my in-laws looking for me, obviously regarding some old UK debts. They didn't say what they want, my mother-in-law told them I don't live there and they just said to her to tell me to call them with a reference number. I know what they want, but my in-laws don't and I don't want it to escalate and they start harassing them. How can I put a stop to it? Shall I write to them and tell them I'm living here and to stop contacting relatives as it's illegal? Shall I give them an Australian address to send any correspondence?
  16. Hello everybody, How are you? I hope you are fine First of all, I am not sure, whether this is the right place for this enquiery In order to chose a used car to buy, I wanted to get a list of insurance quotes via GoCompare. Now I am bombarded by calls from the best offering insurance companies. I already complained about this to GoCompare, but they just informed me, that this is standard procedure and I have to accept this or not make such inquieries. Without accepting this through the T&C's I cannot get such quotes. Also providing the telefone number is mandatory. I
  17. If it makes any difference, mum is an agency worker. Mum works nights, comes home around 9 / 10am and goes to bed after dad (works nights too) gets up and normally doesn't get up until at least 5pm. Today, mum's work phoned her mobile a few times, which dad answered. After a few times, he told them again that she's not up, he doesn't know when she'll get up and no, he isn't going to wake her up. The person on the other end then put then phone down on dad. Anyway, they phoned the land line about 15 minutes later and he yet again told them that she's not up. The lady's response w
  18. i had a out standing debt with Orange for £71.10p. i had bin a long standing customer with orange but in 2010 when it came to up date my phone n contract they got me good and proper, with dongles n stuff i didn't want. and long story short after my baby died of cot death, i was stuck with debts and a phone contract i could no longer afford. i tried for months to keep it going and carry on paying but got to a point where i couldn't. i had a letter last week saying Orange wanted the 71 quid out standing. my plan was in the new year i was going to Bristol debt advice to tr
  19. Hi all, Today, I was phoned at work by Payday UK. I have never defaulted on a payment with them so I couldn't understand why they would do this. I went on to their 'Live Chat' on their website and they told me they were trying to contact me to let me know of a new service whereby I can pre order a loan! I was so angry! I was lucky that I was sat at my desk so I could answer my phone before anyone else. Had I have not been, there certainly would have been a very awkward situation for me to deal with. Are they within their right to do this? How can I make sure this won't happen
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