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  1. Really need some advice as to what to do first,, do I call Lowell ? How do I respond to the forms I know there is a deadline we have to meet. My boyfriend has received a claim form from a Vodafone contract he had no choice but to cancel due to the recession, he had no work and got himself in a bit of a mess which he is still in the process of sorting out. At the time he did visit the citizens advice who helped him, they advised he offer to pay Vodafone £1 per month which they declined. I have copies of most of his bills from 2005 onwards, sadly the copies h
  2. Could you offer some advise on my situation please? I moved into a property in December 2010, and the Water bill was put into my name. I left this property at some point during 2014, at which point i had made no payments towards the water or been in contact with the water company. I've made good the debt now, ive actually cleared all my debts! My question is regards to the default date. The company placed the default in January 2016. They then applied for and won a CCJ by default in August 2016. I've raised a complaint as i believe the default should have been dated bet
  3. Hi , thanks in advance for your help. I have a Capquest debt on behalf of Shop Direct, for 1250 pounds. Default date is August 2013, my last payment listed on my SAR was Feb '13. When does this debt become statute barred?
  4. Hi everyone, I’m a first time poster although have been reading for some time, hoping some of you clever lot can offer some advice. A simplified background is as follows: Subby (my uncle) put a claim in online to the small claims court against a small limited company for non-payment. Prior to this the ltd company claim non-payment was because issues had arisen with a previous job the subby completed (which was paid for) and the Ltd company would now have to pay to have corrected. I feel that the subby had no choice to initially issue a claim ( requests for payment were made and noti
  5. Hi, Sorry for the details but its been a long stressful journey that never seems to get better. We started the process of buying a new build property using the shared ownership scheme in early July. We used the builders recommended mortgage brokers and conveyancing firm. This is where the problems started. The mortgage broker messed up our income calculations and we ended up with a hard credit search from a lender that would not have lent to us. They then could only find 1 more lender who deals with shared ownership but needed 5% more deposit. We managed to
  6. LS have defaulted me 0n 02/03/13 and they are refusing to change it I SAR'd LS and in the partial reply I got from them was the termination notice which states the date of 18/10/12 They have refused to alter the date so I have raised it with the FOS and ICO But for info here is what they sent me - We are writing in reference to your recent correspondence. We have reviewed your account and would like to share our findings. You borrowed one loan from Lending Stream; the ownership of which has been transferred to Motor Mile Finance Ltd, due to prolonged missed payments
  7. Hi I have had an old debt with creation finance now managed by Lowell Lowell have confirmed that the last payment was in May 2011 but the default on my credit report is aug 2013, I would have thought it should of been between Aug and Nov 2011 under the 3-6 mth rule Lowell are refusing to change the default date and they are also saying its not stat barred as the default was registered in 2013 Now I know they are talking the preverbial bull about it not being stat barred but how do I go about forcing them to change the default date? cheers
  8. Morning all. I have an outsanding credit card with Capital One ( well pre 2007). Been paying nominal amount for 10 years with payplan The debt is still with Capital One - not sold off to any DCA whatsoever. Is there anyway to check the default date on it ? Both on Clearscore and and Experian I have clean CRF. All defaults well and truly dropped off. The reason I am asking , is that I am currently in process of CCA'ing everyone. Capital One is the only debt NOT sold on to fleecers. But cannot remember / have not got any paperwork with a default notice.
  9. Hello, Sorry if I have posted this incorrectly, I'm at my wits end and so worried dont know what to do, I was claiming housing benefit, and then my partner moved in, at this time we were both working part time. I re-applied for a joint claim, Apr 2013 and gave wageslips and bank statements and so on to which I was advised I would still be entitled to Housing Benefit. In June my partner increased his hours from 20 to 37 and I went on my councils website in May to advise that there had been a change in circumstances and also that my rent had increased. A few weeks later I
  10. Hi there, I have recently left a rented business property and paid my rent up to date. The landlord has since complained that I had not left the property in a good state of repair, a claim I strongly dispute. The lease expired several years ago and I never received another one. The LL has now produced an amendment to the lease, which I never saw or signed, but even that has expired by more than one year. The property has been re let but the LL has now sent me a demand for several thousand pounds for restoration work and a surveyors report. I have had threatening letters from a solic
  11. The title sums it up in a nutshell. I pay monthly by standing order and have done so since moving into this house a year ago. I have received, over the last few months, two text messages and two letters asserting that my account is in arrears and that if I don't respond I will become liable for the whole years bill etc etc. My account is not in arrears. I have bank statements which show the sums being transferred to the council in question every month. I have emailed the head of revenue and benefits to tell him to check whatever error is causing this on his system and to point
  12. Hi I am looking for some help in identifying what the correct default date should be on an old debt from Barclaycard. I went into arrears on a Barclaycard account during 2011 and the debt was transferred to IDR/Link Financial Outsourcing in March 2012. There was no default issued to the credit reference agencies by Barclaycard before it closed the account and transferred it to Link, who subsequently registered a default in September 2012. However, having gone through old paperwork whilst preparing a CCA request, I have found a default notice (section 87(1)) from Barclaycard (vi
  13. Good afternoon I currently have an ongoing complaint which has recently progressed to a complaint being made to the financial-ombudsman. I recently received some letters from bright house regarding a late payment fee which say's on all 3 letters that the date of Agreement being 21-11-2017. Is this the actual day they claim the agreement/contract was made? As One of the items is a Television id took an agreement on in november 2014 and should of been paid of by now but which they claim over £1000 is owing on When challenged about this i stated that we had items 2-3 yea
  14. Last year I booked a transatlantic return flight from Madrid with Iberia, on behalf of a friend of mine who moved to Madrid years ago. It was an expensive flight to start with and the email from Iberia stated that date changes would incur a penalty of between US $195 and $325. She changed the return date and was told over the phone that she had to pay over $500 to change the date. She argued about it but was given some stock answer by the local Iberia office so she had to pay the amount using her card. This is clearly not in accordance with what was stated on their booking
  15. Hi, I have joined the forum in the hope that somebody has useful information for me in my aim to shake Cabot Financial off, who are chasing a debt which becomes statute barred in September 2018. A brief outline of the debt I am being chased for: Type of debt: Credit debt - Santander Current account Outstanding balance: £590 (consisting £150 overdraft + £440 charges) Account closed: September 2012 After speaking with a helpful advisor at the National Debtline and explaining my situation, I was told it was a difficult one which needed careful consideration of my next s
  16. I wonder if someone could advise please. I called on 5.1.16. for a DLA application for my child. I completed the application by downloading the form. My child who requires day and night care. He was awarded personal middle rate care and low rate mobility. The first payment was the date they received the application - not the date when I phoned i.e. 5.1.16. and I did enclose the page they sent which stated I called on 5.1.16. and it had to be back by mid February. I have called DLA and said that they have not taken into account the night time care my child needs. He is up
  17. If anyone could give some advice on this I would be great. Following loss of my partner in August I had a nervous breakdown had to go into hospital for a week. My parents had to take care of my children and its been a pretty devastating and traumatic year, given the nature that he passed away. We are back on track now and rebuilding our lives I was out of work for a few weeks and inevitably have fallen behind on a few things. One being council tax, I missed 2 payments totally £84.44. I'm sure I spoke to them on the phone at the time and told them what had
  18. I am trying to support someone who has been rejected P.I.P and having requested copy of Consultation report it appears that their decision is based on information supplied from 1) Claimant's questionnaire 2015 2) Claimant's questionnaire 2017 3) Psychologoical therapy plan 2015 4) Date of Tribunal 2015 5) Psychiatrist report 2012 She has struggled to get the treatment recommended by the Psychiatrist in 2012 and some of which is only (JUST) being put into place. Social Services were responisble for not referring her to the relevent treatment organisations and we have had t
  19. I have an old Nationwide credit card debt that has changed hands a few times. It now appears to be owned by Robinson Way who have started sending me collection letters. The debt had a default date of 20/12/2010 and dropped off my credit file last year. However, I have just checked Noddle and it has reappeared with a new default date of 06/2012. When Robinson Way contacted me four weeks ago, I sent them a Prove It letter to see what they had. They have replied saying "Please set out simple and reasonable details of your dispute or query, Please call us or write
  20. Hi, My son has received a Single Justice Notice Procedure having been stopped for no Insurance. Stopped on Monday 3rd July - the day he started his new job at 6.35am. However, the police officer wrote the wrong date on the ticket - he put 3rd June which was a Saturday, although in his written statement he has put the correct date. Any chance of getting this thrown out as the police officer's evidence is inconsistent? Roadside ticket is dated for a completely different day.
  21. Concerning the issue of whether we are a casual worker or a an employee there is many criteria to consider for example the time we work for the employer, our skills, whether he employs us only in case of shortage or during peak time or he uses us in the normal running of our business...etc. However I would like to know if the conclusive evidence is not when the P45 has been issued because if it has been issued one year after the start of employment this means that we are now an employee. It is up to the employer to decide if he need us anymore or nor and as a consequence if he se
  22. Hi, I have a CCJ on my credit report commencing on 10/08/2014. The date of default for this debt is 08/10/2011.It is for £664. The debt is with Lowells for Mobile communications Three. I have not moved recently however I cannot remember any court forms for this CCJ at all. Do you think its possible to get this ccj set aside? Also how does the CCJ work until 2020 when I presume the debt part will drop off in October? If I asked for it to be set aside after the default date could I get it set aside because the actual debt would be more than 6 years old and is i
  23. I have received a penalty charge notice from NHS Business Services Authority for a recent dental check up. I am on jobseekers and not realising there were 2 different versions of jobseekers, I checked the exemption box on the back of the dental form. The treatment dates on the nhs penalty charge letter are incorrect. The treatment was actually 2 days before the dates listed on the pcn. I have contacted NHS Business Services Authority (NHSBSA), stating that the dates are incorrect, they want me to contact the dentist to clarify my treatment, I have contacted the dentist ask
  24. Good Afternoon everyone, Having had a read of these forums I have seen how helpful you have been with offering advice to other people so decided to register and post my own situation to see if you can offer me any advice. I am currently a private tenant through a letting agent. I originally signed an Assured Shorthold Tenancy Agreement on the 1st October 2016, which was a 12 month agreement with a 6 Month break clause. This agreement was signed by both myself and my Girlfriend at the time, so this original tenancy has not yet ended. On the 12 June 2017 (3 and a half months
  25. Hi As this is now going to the courts, does anyone know the date that CITI card changed over to OPUS? Thanks
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