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  1. Hello. I am 2 and a half years into a 4 year finance deal on my vehicle. It is all up to date at the moment. However I am changing job this month, but am going from self employed to full time employed and paid monthly. As I have no savings I will be going a whole month with no income so I am going to struggle to pay all my bills for this month. Before I start talking to the finance company about this to try and come up with an agreement (which I don't think they will be keen to do) what are the legalities of me missing one payment? I'm assuming they can't start repossessio
  2. Hi, I have received an n24 form “general form of judgment or order”. It states that point 1, it is ordered that judgment for the sum of £1450 and interest to date of £92.08 plus various fixed costs and hearing fee. Total £1964.50. Point 2 states that the court have assessed additional costs claimed .....”and such costs we summarily assessed at £700.00”. Point 3. Above sums to be paid by 4pm on 16/11\18 Dated 26th October Hoping someone can help me understand this. I did try to settle out of court, but the claimaint was seeking an additional £700 (which would have mean
  3. Please can you can help. Today I had a letter from IDRWW regarding a debt from 2009 to HSBC Middle East. I took loan out to pay a debt, lost my job, had to leave the region due to visa rules, was unemployed & had long period of instability. I had given my parents address when taking out the loan and have had zero communication regarding this debt since 2009. It's a relatively small sum of money (£2700) but i'm self employed on a low income so can only afford very small repayments at moment... I'm very anxious about how best to deal with it as I fear it will escalate into a
  4. A few days ago I completed a few transaction over LocalBitcoins.com to a buyer named Muumbis (currently blocked) who seemed to be a trusted user, had good feedback and 2 months of multiple transactions. The buyer sent me the funds through a PayPal transfer, and then I proceeded to send/release the bitcoins to his account once the money hit my account. These transactions were very profitable to me, amounting to about 40% of profit over the then exchange price of bitcoin. Only after 6 PayPal transactions amounting to a total of around £11000, I noticed that the person’s details included i
  5. Ill start with how and what it has come to for me to post on here. Around this time last year my nan went into end of life care at a pilgrims hospice in kent. At the time I was temporarily living with my mum who lives in Hertfordshire for work. There was no long term vision so I never changed my permanent address. I do have a dart charge account but before working there and due to other reasons I hadnt actually been to Hertfordshire often thus using the dartford crossing, overlooking the fact Id got a new car since the last time I had been there. As I also ride motorbikes
  6. Happy New Year to all and thank you for taking the time to read this. Myself and my husband have always struggled financially but always managed to keep our heads just above water but now we are in over our heads and not sure what to do. Without giving the whole story, due to no work, mental health issues and a huge amount of wrong decision making we have got ourselves into a mess that we dont know how to deal with. We have racked up loads of debt on credit cards, Loans and Payday loans just to try and survive and we are sinking. I know we have to deal with this and Bankrup
  7. It would seem to be official - if not properly announced Buy an item or win an auction on ebay and the seller (and apparently buyer) can just 'cancel the order' up to 30 days after the win, and even after a buyer pays... So you win an auction * Seller doesn't like the final bid * Seller just cancels the order with some half baked 'reason' like item is lost or damaged * EBAY automatically send you a seller has cancelled with the only responses being an automatic refund if paid through paypal, or say the payer has refunded. There is mention buried in the t&C's that a se
  8. Hi All, I'm looking for some advice regarding my debts because frankly I'm an idiot and don't know where else to turn. My situation is so: I have £10k or so left on an unsecured Natwest Loan which I originally took out back in 2015 but have rescheduled a few times, I'm pretty sure it's supposed to run for at least another 4 years at around £300 a month. I also have £1900 on a 0% credit card which doesn't run out till September 2019. I will however pay £300 or so off this next month. I also have phone and tablet contracts which run to about £960. I move to Can
  9. Hi, I'm in a very complex situation and I am loosing my mind and health over this. I was wondering if anyone can assist me, greatly appreciated. Around this time last year I was asked to submit a medical form for WCA, which followed by a face-to-face assessment. My WCA for ESA scored zero points and I submitted my case to Tribunal for review. I believe I meet 4 descriptors for the Support Group. I am currently waiting for a hearing date. The medical WCA assessment outcome in 2016 recommended Work Related Activity for 12 months indicating that I could be ready for work (possib
  10. Hi, I am in the process of trying to source a mortgage however the fact that I have historic defaults on my credit files from telecom companies is causing me problems. These are all with Lowell and range from 4 years to 5 years old. What's the best way of dealing with this to ultimately get the defaults removed off my credit file within the next 3 months due to wanting to take advantage of a "right to buy" offer we have. Obviously I am NOT saying that I don't want to pay these however if its best to go down the "final settlement" route as long as the default is
  11. I seek advice on the following quandary that I find myself in: I am in a 2 year contract with a mobile internet service provider for just over a year now, another 10 months or so to go. The service that I am buying is mobile access to the internet via a dongle. The data allowance is 5GB per month and the charge is £15 per month. I have recently spotted a deal offered by another provider of 20GB per month for £15 per month. That's 4 times the data for the same price. It goes without saying and putting it mildly that I am a bit miffed about what I am being charged compared to w
  12. Hi guys I have received a parking charge of 100 to be paid in 28 days or 60 if paid in 14 days. I received this just after midnight. I believe that this is unfair as I parked there only for a maximum of 15 minutes to drop my wife and 9months old daughter. It was late in the evening and it was dark. The area is known for drug dealings and drug addicts loitering. I didn't wanted to walk there during that late hours with my daughter and wife. I decided to park near by which is a private road just to drop my family and luggage as we were coming back from holiday. T
  13. im baffled and shocked that this claim has just been struck out and can only imagine that the judge (case was heard without a hearing) that they were having a bad day or it was their first day doing the job. just now ive received a judgement of order thats stated my claim has been struck out pursuant to CPR 3.4(2)(a) in that it discloses no reasonable grounds for bringing the claim. in short my claim was becxuase the buyer of an item i was seller lied to ebay and paypal and stated the item was faulty. in short i proved it wasnt faulty and also proved that their defense was ful
  14. Hi, I am an employee on a Zero Hours contract. I work with Mr. X and had to take him to court and won the judgement. The 14 days deadline has passed and he is yet to make payment. I have a question about how to approach the working environment with Mr X who I took to court and was awarded the judgement which hasn't been paid. The case took two years to go to court during which time I had to endure being harassed at work. Before the court case, I sought Mediation to avoid court action and complain about being harassed. The meeting was held by my line Manager at work who ch
  15. http://news.sky.com/story/apple-ordered-to-pay-836413bn-in-back-taxes-10557945 Both Apple and Irish government are not happy that their tax deal is being undone by the EU, because it broke EU rules on state subsidies to business. Apparently the tax rate paid was less than 1%, when Ireland has a corporate tax rate of 12.5%. I think it is about time the EU looked at these special tax deals that countries make with large international companies to ensure there is fair competion on tax rates. Why should big companies with sophisticated cross border operations end up paying less tax
  16. In 2013 I had to give up work due to chronic ill health, I notified HMRC of my changed circumstances and my tax credits claim ended. Around six months later, I received a letter from HMRC stating I had been over paid by £3,500. I called them and after explaining my circumstances they agreed to suspend repayment, they didn't say for how long, just to expect further contact in future. I have since heard nothing from them. About a month ago, out of the blue I received a letter from a debt collector agency called LCS demanding repayment, I contacted HMRC and on
  17. Hi, I've only just joined so don't really have any right to dictate how this site should be run, but I can't imagine many children sign up to CAG about injustices of lost pocket money or the tax taken by school bullies at the gate, so I wonder why mild cuss words like **** or *** are blocked out. Who are the moderators scared of offending? I mean, if you're over 18 and you've been ripped off and looking for justice then saying **** or **** might be understandable. What's the CAG fear? Can any site team explain?
  18. Hi, just after a bit of advice here. I have been behind and over my limit for about 12 months but had been making regular payment all be it not enough for my account to be up to date. Today I recieved a letter. It said the following. Overdue amount: £..... IMPORTANT YOU SHOULD READ THIS CAREFULLY Notice of Default served under section 87(1) of the consumer credit act 1974 Youve broken your agreement ........ You must pay the amount overdue shown above. This payment must reach your account within 28 days of this letter. If youve already paid this or have ma
  19. Can anybody help I am looking for a Solicitors who can help me deal with the minefield of a Council Tax Liability Order in the South Yorkshire Region. I have had a letter (first time from this firm), stating that they are acting on behalf of the Local Authority regarding outstanding Council Tax Charges. I have been in constant contact with the council and this letter says I must not contact the Council but them. does anyone know of a solicitors firm in the South Yorkshire Region that can help with this. Disabled person in need of help here
  20. Why am i putting this on. Well as i walk about and chat to different people,some who work for councils there is fear and worry and many stressed out people out there.Worried about their security,families,mortgages,rents. And also people in their local communities.Things like that if things go pear shaped. Is this if true anyway to live in these modern times. Now it is a bit late for me to look about,do a little research.But will as time goes on.A little tired.Soft,i know. And if you have a view and are looking in and want to have your say how you are feeling about things. Aus
  21. o prior to my line going active on the 19th, I was given an offer for 6 months half price line rental to try and keep me proceeding with the order as Sky had offered me a good deal to stay with them. I was happy with this new offer so obviously told sky I wouldn't be sticking with them. It was at this point they threw out a great offer to which it was back to TalkTalk to tell them I wouldn't be proceeding. On the 13th January, on the live chat, an advisor named Reshan stated ; Reshan: The order is 6 months half price call plan, with line rental and your package. Reshan:
  22. She says they all have to sign something to stop them saying how much they have won. She got a new kitchen a few months ago so maybe she got a few bob.
  23. Ryanair has signed a deal with Ombudsman Services that will see the organisation operate as the airline’s approved alternative dispute resolution (ADR) body. Approval to the scheme means that passengers of Ryanair who have disputes relating to issues such as denied boarding, lost baggage, delays or cancellations will be able to escalate their complaint to Ombudsman Services if a satisfactory resolution cannot be reached with the airline. The scheme operated by Ombudsman services will be free of charge to consumers. Up until now, you have to take your case to the Civil
  24. Hi there, my husband and i will be making ourselvesf bankrupt, but i need to ask who will deal with the bankruptcy after we have filed for it (my debts total several hundred thousand pounds, repayment of directors loans for our previous LTD company, which we can never repay) We have have no assets, no savings, on benefits and live in a private rented house , on housing benefit. my husband is on ESA due to mental health problems. Will the official receiver oversee it or can the major creditor ,( who happens to be a nasty piece of work) apply to be the trustee? I keep rea
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