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  1. Hi there, I was wondering if anyone had succeeded in getting any redress from Aaen Peach. Like many on this forum, we received a quote from hbcconveyancing of about £600 for the purchase of a property. Now we've received an estimate of £1300 (700 of this is fees) and £500 is 'payments to third parties' although about 500 of that 300 is in fact payments to them (making their conveyancing fee £1000 so far.) There have been no issues so far with the purchase of the property (which is under 100k.) Now we've received a letter to sign, giving them the authority to act fo
  2. VOLKSWAGEN FINANCIAL SERVICES . WHITE AUDI A4 I have a contract hire vehicle with Volkswagen financial services (VWFS) the car was due to go back at the end of April 18. In early march 18 I attempted to get in touch with VWFS to remove my private plate from the vehicle before I handed it back. in previous run ins with VWFS, its been an absolute nightmare to get back your private plate if you do not do it whilst you have the vehicle. Anyway, I was told to pay an admin fee to remove the plate. This was charged to me and I was sent a form to fill out. I was emailed by VWFS wh
  3. There are many people who find themselves in my position . Interest only mortgage coming to the end and there are either insufficient funds or no funds to repay the capital sum. In my case I took out a 10 year Interest Only Mortgage ( Idon't know why it is only 10 years) I have contacted Santander a few times over the last 2 years to see if they would extend the term but they just refer you to customer services to start a whole new loan . I no longer fit any criteria to get a loan . I have never missed a payment even though I am on a very high rate compared to other lend
  4. Hi, looking for some advice! I've been dealing with Robinson Way working on behalf of HPH2 Ltd over an old Barclays account for around £1,800 that is no longer on my credit file as of last year. The default date on my credit file was sometime in late 2011 and to my knowledge, no payments or contact has been made since, meaning the debit is stature bared (I hope!). Robinson Way sent a field agent to my door though I was not there at the time and sent them a letter advising I did not acknowledge any debt to them and I did not welcome any more visits. They then replied sayi
  5. Hi all. I have a couple of old payday loan debts that date back to late 2012 that are both Defaulted on my credit files. In the absence of a time machine, would like to get these resolved and marked as satisfied in full. I have managed to find original credit agreements for both of them. Paydayuk - £100 loan with £129 to be repaid. It is showing as satsified on Callcredit and assigned to Prac Financial on others. I suspect Prac bought it like they do and just wrote it off? 247moneybox/active securites - £100 loan. £176 to be originally repaid.
  6. Legal rights when dealing with debt collectors For more information : - Australian Competition and Consumer Commission Australia - Dealing with Debt and Fair Practices.pdf Before Printing the PDF TIP If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following: Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out). Note: This will save you Ink & Paper
  7. As I posted. I am not sure if this site is the best place for this sort of thing, but I am hoping to find out more about this so as to try to negate what I strongly suspect will be a contentious time when my mother dies. I live abroad and visited my mother in the UK when she turned 99 last month, as I have done for the last 9 or 10 years. She was pretty healthy last year but has begun to show her great age this year. Although still fairly compos mentis, she has become quite deaf and started to become more forgetful and confused. She can still get about somewhat but is now also very sl
  8. 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
  9. I would welcome some advice on dealing with a Claimform I have received through the post, which was issued on 1 Feb 2017. I intend to defend the claim but need advice on what I need to send back in the first instance and going forward how to prepare the defence. The debt is with Co-operative Energy for Gas/Electricity supply and goes back to 2015. We set up an account in Dec 2014/Jan 2015 and initially had no problems. We set up the direct debit for payments and assumed everything was ok. However, in September 2015 we received correspondence claiming the account was
  10. Early last year my husband received a county court summons for £11,500 for a credit card debt sold on to a DCA. He replied and defended the action on the basis of the limited information on the summons and that he was awaiting a reply to the CCA letter sent to them on the day the summons was received. He never received a copy of the CCA, just a letter from them saying the debt was no longer enforceable and they could not proceed any further through the courts, but would he please call them to discuss a repayment plan. They also promised to forward the copy of the CCA.
  11. Hi all, I have been paying off a DMP through Stepchange for several years now, and my estimated completion date is sometime around 2040 I'm likely to be a in a position to make an F&F soon due to the generosity of a relative. Almost all of the debts have long been sold onto DCA (Link, Cabot, 1st Credit, the usual suspects). How much should I offer? Total debt is about 50k. Is 20% too high for starters? The DMP is so old that none of the debts show up on my credit file any more, so am I right in thinking it doesn't matter if they mark it satisfied or not?
  12. I have lurked around this sites before looking for advice relating to my problem and have found it very helpful. My problem is related to my gym and their agency responsible for debiting money Harlands. I see that they are often mentioned here. When signing up for the gym, gym staff signed me up without letting me read through the contract. I knew I would not be there for 12 months, but they assured me I could cancel it provided I prove I have relocated which seemed reasonable. Extra charges were of course not mentioned. I did not actually see terms and condi
  13. Hi Caggers! Brief History. I was a legacy customer (old Telewest customer) since 2005. The last contract renewal was in 2007 when I moved house the previous time, so contract was well out of band. Notified them in December that I was moving and would like to take my services with me, they said sure, no problem and could probably provide the services I wanted. Great. I moved house 9th January. I contacted them on the 19th January to find out what was happening with my service installation at the new place. Was told the service was activated on the 17th.
  14. Hi looking for some advice on a debt that has now been sold on and being dealt with by robinsons way... My husband took the loan out in 2008 with lloyds we think the last payment was made in 2010 but not sure however since then we have had letters from different dca's and the latest one being robinsons way who now own the debt, letter says that we have 10 days to get in touch with them or they are passing on to howard cohen solicitors who may start court proceedings, should we be sending a CCA? And does this acknowledge the debt? An
  15. Is anyone aware of this yet? >> https://www.gov.uk/government/speeches/family-justice A total of 36,527 cases contain a version of Form E filed from these periods. HMCTS staff have now reviewed all these cases and found that 3,638 files – 10% – contained the faulty calculator version of Form E with an incorrect figure for net assets figure in the summary table. 1,403 of these cases are still live, allowing HMCTS to intervene immediately to clearly flag these cases to the courts in order to avoid the error affecting the final orders in these cases. Written statement to Par
  16. I feel the sorting office at the tax credit office is in adequate for the job required, now over the last couple of months I have sent mail, which was requested by the tax credit office Oct 2013, they would reconsider my claim, but I had to send them prove, which I did, didn't hear anything back, so tried to contact them a further 3 time over 3 months, still no reply When I make threat to go back to the tribunal service, they reply, but they make out, Im at fault for not sending the items as requested, which I know is untrue, as they were sent recorded delivery At this
  17. Hi I recently got into a mess with the council tax & knwo its was stupid but tried to pretend it would just go away. I had letters from Phoenix Commercial and contacted them and agreed to a £50 per month payment. I made two payments although one was a few days late. I have now had another letter dropped through my door stating payment is needed in full or the bailiff is coming back with a locksmith. I contacted the office and was told they had received both payment s but I now have to deal with the bailiff himself. I messaged him and he stated payme
  18. Hi all, A little bit of advice if possible. My father owes £35k and has been with Payplan since 2007 (defaults didnt started until 2008 for some unknown reason) - The below is a breakdown of the debts Apex Credit Management - £ 6,808.70 Apex Credit Management - £ 4,617.89 Barclays Bank Plc - £ 2,271.87 Cabot Financial (Europe) £977.84 Lewis Group £12,710.39 Link Financial Ltd £4,695.86 Moorcroft Group Plc £1,237.10 Natwest/RBS £2,240.07 My
  19. [ATTACH=CONFIG]59556[/ATTACH] April 2014 This guide is for you if you’re relying on an endowment policy to repay your mortgage and you’ve received a shortfall letter.
  20. Are secured loans all bad? I am currently on a DMP with Payplan end date 2020 (dependent on charges & int) and am looking into ways of clearing this quicker. I have posted on the DMP forum and am currently looking into sending out CCA requests but have also been looking into secured loans. If I can borrow a lump sump I can try and offer full and final settlements to my creditors this will reduce the debts and I will have a definate end date. My main issue with secured loans (apart from the obvious being secured on my home) is the interest rate, are there any good companies out
  21. Good Evening, I'm not sure whether I should be posting this in the debt section or this one so I would be grateful if someone could direct me.. Basically in 2011 my girlfriend took out a contract phone with Vodafone. The phone was for her then boyfriend, and he agreed to pay for it (although it was in her name). She has recently found out that it hasn't been paid for all this time, and the debt has been passed onto a debt collection agency, at the sum of £2480. The timeline according to Vodafone is this: 25th July 2011 - Contract taken out 11th August 2011 - First direct debi
  22. I received an "Attendance Notice" yesterday and finally got through to the bailiff this morning. He declined my offer of 4 monthly payments as my previous arrangement had been broken and required full payment or he would have to seize goods/cars. I explained that I suffered from angina and had several recent attacks and I was self employed but he said that was no excuse as he had never complained when he was suffering with cancer. I have to call him again later and don't know what to do, I do not have the money to pay him.
  23. It would appear that this completely unqualified individual is now offering legal services to judgment debtors whereby he claims to be able to "Stop your High Court Writ" for £125. Having read many of his posts here in the past and on his various websites and forums it is clear that this person has little to no understanding of this area of law and is no doubt costing genuine judgment debtors looking for help. In the past we have had sight of his assistance and whilst on the most part it is just worthless nonsense on several occasions it has actually cost the debtor considerable sum
  24. Hi Just looking for a little advice from anyone out there, My family has just moved out of a property rented for 2 years. The landlady has via her solicitor sent a letter claiming that we did not clean, meaning she spent £70 on professional cleaners. She also claims we have ruined the new carpets she put down at the beginning of the tenancy and not maintained the garden. She is looking to keep our deposit (£550) and then some to rectify the issues. Now we're not entirely stupid, we took photos when we moved in and photo and video footage when we moved out, so we can can confide
  25. So, for various reasons I got behind on my Council Tax. I stupidly ignored it for quite some time, but I now wish to sort it out. From what I have been told by my council I have one case open with them and two open with Jacobs. The one with my Council went to court today, but I did not attend. Am I best off starting to pay some off that one on my council’s website? I am not sure of the exact amounts with Jacobs. Someone from Jacobs did come round in March but I am not sure where the paperwork has ended up. I have been trying to find an email address for them but have been unable to do so
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