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  1. Hi i bought a very expensive watch from an online retailer couple of months ago and paid for it using V12 retails finance. 1 The watch was dispatched by them on the 19th of October 2018 however I received it after a failed delivery attempt on 24th October 2018. 2 After receiving the the watch I went on holiday for a few weeks and left the watch behind, I think it is at this point the watch stopped working or immediately before I came back. 3 On the 21st of November 2018 I notified the retailer that the product has become fault as its stopped working. 4 They advised me that
  2. Today I received a white county courtclaim form from northampton for the MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012. On 12th Nov PRA Group wrote to me in response to my returned PAP form where I stated I dispute the debt because I need more documents or information Specifically I wrote: I need a copy of (1) the Default Notice, (2) the Notice of Assignment, (3) a complete set of statements detailing exactly how the debt has accrued detailing: (a) All Transactions, (b) Any additional charges, be them by the original creditor or you PRA
  3. I sold an item on Etsy sent with myhermes and my customer didn’t receive it. The item was posted on December 11th but the buyer didn’t inform me they had not received until January 15th. I informed myhermes who said that they could not locate the parcel but would not pay compensation as I informed them after 28 days. The item is worth £20 so within the standard compensation rate. their terms state: You must notify us in writing of any claim for Loss or Damage or Late Delivery within 28 days of the date of the relevant Order. If you fail to do so, we will not be liable to you for i
  4. Name of the Claimant ? Southern Water Services Date of issue – 10/11/2018 33 days was up on 8/12/2018 (3 days ago) only found court letters yesterday. Particulars of Claim The Claimant is a statutory water and sewerage undertaker pursuant to the water Industy Act 1991 (the Act). The Claimant claims the sum of £1700 for unpaid water and/or sewerage charges payable under s.142-144 of the Act and the Claimants Charges Scheme. The unpaid sum of £1600 is for water and/or sewerages services provided to the Defendant(s) at ************ for the period of July 2011 to July 2018. Th
  5. I bought a used car from a local independent dealership on 11th June this year for £5200 (Nissan Qashqai). It's been a good car since i bought it up until 2 days ago when the CD player stopped playing CDs (it's a 6 CD changer) and then yesterday when the car went into 'limp' mode when driving home. I called the AA who diagnosed a fault with the turbo and towed me to the car dealership. As it was late on a Sunday evening i left the car outside the dealership and returned there this morning at 8.30am to hand over the keys, explain the situation and ask for a repair. The reason i am pos
  6. Hi all, Looking for some guidance regarding 5 legitimate?? (unsure) PCN s on a broken down vehicle. Scenario. My sons car broke down away from his home. He has a valid residents paid on street parking permit for his home. but could not arrange a tow . He tried one garage.... but no availability, until finally contacting an available garage 5 days later which was then free to tow and repair it . He put a note in the vehicle windscreen to advise of breakdown. He received 5 PCN's over nine days. Could anyone guide on a suitable challenge? Please. Also on l
  7. Hi, I have been away for a few days when I came back yesterday, I noticed my car was gone. I obviously freaked out and called Police who advised me to call TRACE, I did it and there was no entry on their database about my car. There was no letter, or phone call, email, SMS or anything to let me know that my car was taken by Marston. Not a single notice. For all I knew, my car was stolen. I then called Police back, and they were able to find out that Marstons took my car. I called them immediately and was told that it was due to a PCN issued last year by Ken
  8. Hi, I think I have made a minor mistake - a Ltd company owes us (we are also Ltd company) for an unpaid invoice. The invoice has been unpaid since April, we sent a letter before action by email: I copied this text from something I found online, the number of days was blank so I just put 7 in there thinking it was reasonable. Anyhow I have now read the pre action conduct page here https://www.justice.gov.uk/courts/procedure-rules/civil/rules/pd_pre-action_conduct And they mention 14 days. ooops. As the 7 days has elapsed do you think I should send another letter givin
  9. Hi there, I received a county court claim form with the date of service 19th june with no particulars of claim attached. I filed my AoS and i have been waiting for the PoC but they still haven't been filed . My defence date is tomorrow (17/07/18) so im really at a bind as what is required of me. I'm thinking i have to send in a defence but i'm not sure what to write the defence against as im sure its defending the points set out in the PoC. Its briefly outlined in the "Brief details of claim" on the front of the form but besides that...nothing. Should i write my
  10. I have recently returned from Cuba, it was a fantastic holiday that was only spoilt by a loss of 2 days. When we booked it we was due to fly to Havana, Spend a couple of nights there, then fly on to Cayo coco, using an internal flight. Spend 14 nights then fly back to Havana for an overnight stay then Havana to Gatwick.. The internal flight time was 45 mins. 3 days before our holiday we were contacted by our holiday company stating that because of a recent airplane crash at Havana they would not be using any internal flights.? Which is fine, safety first etc.! Th
  11. Good Afternoon All, Just wonder if I have this all wrong ?! I appealled a TFL PCN, Appeal was rejected and the rejection letter stated I had 21 days to pay at reduced rate of £65 from the date of the letter of rejection which was 11th June 2018. ...' if you pay the penalty charge within 21 days from the date of this letter you may pay the discounted amount as full and final settlement...' I calculated from the 11th 21 days I could pay by the 2nd July at the very latest? I went to pay the fine today and it has increased to £130 ! Have I miscalculated the dates/wording?
  12. I've got two parking tickets in two days. I work in the railway and we have started working around the Wimbledon area. The first ticket was an honest mistake. Issued on Elsenham Street. We usually move our cars at 13:30 but I forgot and they pounced. The second was today from Merton Council. I had a good look around as I parked but for the life of me couldn't see any sign. I came back and there was the ticket. I then had an even better look for the sign and saw that it was a long way away, in the photo it's about four car lengths and was blocked by a lovely p
  13. 50 Days to go until the tenth Armed Forces Day READ MORE HERE: https://www.gov.uk/government/news/50-days-to-go-until-the-tenth-armed-forces-day
  14. Hi everyone, hoping to find some urgent last minute help in this wonderful community ------------------------ Hello everyone, Only just joined the community, but have been carefully following few threads to help with my personnal situation. So far it has been a priceless source of information and I hope to seek further help! I have my court hearing this coming Tuesday at 10am - here is a timeline of events: - Vanquis Agreement dated 05/08/2010 - Last payment made to Vanquis on 30/12/2011 - Notice of debt received by email from BW Legal/Lowell on 13/
  15. I am not sure of the correct place in the forums for this post so if it is in the wrong place please move it to the appropriate thread. Story: Our disabled daughter and her partner of 20 years having being living together in housing association flats every since they got together. Over time they have moved about 4 times and in every case this has been directly due to their behaviour and drinking. It was not to bad originally but since they were moved into a block of flats (3rd floor with no lift) my daughter who suffers from hydrosypholis and is weak on her right side has diffic
  16. I ordered a wooden bed frame and was promised it would be delivered today so got my old one taken away before this one was due to arrive. Only two of the 3 boxes arrived with the courier and there is therefore no way to build the bed until the last part gets here. I live in a bungalow and have osteoarthritis so am not able to sleep on a mattress only, nor is my sofa a suitable alternative. I am therefore having to stay in a budget hotel for the weekend as I have no friends or family in the area. The couriers say they have never had the item and the company (Getlaidbeds) say
  17. Sending some Christmas presents, I booked a Next Day delivery with Parcel2Go on Thu 21 Dec. I put the item in an InPost locker for collection, but it wasn't picked up by the courier until Wed 27 Dec. The presents finally arrived Thu 28 Dec, a full week after I posted. Xmas happened in the middle extending the delay somewhat, but still the courier was technically 2 working days late in even collecting the parcel which was advertised and sold to me as Next Day delivery. I've asked P2G twice for a refund, but they say they don't guarantee delivery so aren't obliged to. They wouldn't ref
  18. Hi and thanks in advance for any time and help . Been meaning to post for a while , a letter that arrived yesterday (29/9/15) has spurred me on , My wife a number of years ago had run up a £10k Yorkshire bank visa card debt. When I looked into it earlier this year when she told me about the debt it seems (according to noddle) she received a CCJ dated on her credit report on the 1/10/09. The letter that arrived yesterday from the county court is titled a "general form of judgment or order" and goes on to say ," It is ordered that ME III limited be substituted
  19. Hello all Wondering what advice you would give for this particular scenario Have received a letter in the post this morning from a company by the name of Marston, It says I have not paid a fine of £660 It says a court order has been made that gives enforcement agents the power to visit me, my address has been identified and traced, as I have not responded to letters delivered to this or a previous address an enforcement officer will be asked to visit within 14 days unless you make payment or discuss your specific circumstances.. I know nothing of this fine or wh
  20. Evening all, hate to say it but I need some help and advice again. I bought my wife a 62 plate Jaguar XF from Trade Centre Wales on the 6th November. It's done 90k and HPI shows 2 previous keepers. 10k trade in, £10 on credit card, balance by debit card. On the 7th, had trouble starting it. Press the button and the gear selector knob comes up and the dash lights up. After less than a minute, lights go out and knob retracts. Several attempts to start it and same thing. Gave up. Came out half an hour later, tried again and it works ok. Had the same problem on the 8th and
  21. Purchased a new phone (online) on an O2 pay monthly contract via mobiles.co.uk. My current provider beat this deal at last minute hence me wanting to cancel the O2 contract and return the handset. I am within 14-days of receipt of handset but have used the SIM/handset (no calls - just testing coverage). mobiles.co.uk's return/cancellation policy (here) states use of SIM/handset signifies acceptance of contract. It also mentions that coverage issues should be discussed with them/the provider before a cancellation can be approved. Either way, the handset will be returned and
  22. I have a joint account overdraft debt (First Direct) from 2005 which has been on my Payplan DMP since 2011. The current DCA (Arrow Global) appointed Restons Solicitors who sent Claim Forms to both me and the other party, my ex. Payplan sorted my reply offering £1 per month. I didn't realise that my ex needed to send Acknowledgement of Service and I told him, wrongly,that I had it sorted with my DMP. The claimant rejected my offer and the court issued me a judgement by determination for £20 per month. My ex was sent a judgement by default. (The amounts on the two judgeme
  23. Good afternoon all. New member here seeking some clarification on a couple of things. Story so far. Collected a brand new vehicle from Land Rover dealership on 30th September 2017. Car developed faults and went to same garage for repair on 19th October 2017. It is still there 3 days later and I will get an update on Monday and maybe the car back then. I have lost confidence in the car and looking at the Landrover forum, this fault and others appear common and are likely to repeat at some time in the future. I am concerned that if I do not reject the car within 30 days
  24. Hi All, A friend of mine is having a problem that I'm helping with. He purchased a secondhand Mercedes sports car for £26,000 from what he considered a reputable car dealer (not main dealer)it was delivered Thursday 13th July 2017. They are FCA regulated (Ref No 658267 ) and a representative of (MBI) Limited (Ref No 312143) He paid £10,000 deposit cash and the rest on finance with Close, the first day he noticed problems which were reported the second day, he thought there were gearbox problems and noticed the active intelligent lights were not working. He was asked
  25. As the title says. This is not a final notice, but the very first. I'm not even sure what the debt's for, but I've looked at the template letter on here and I am going to send that. Just wondering if there's anything in the CCA that stipulates a minimum amount of time to pay back the debt. Cheers!
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