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  1. I recently entered a contract with an estate agent called Remax signing on the 21st of March 2018 due to the failure to get one visit booked within the first week whereby there was 350 online views and a failed attempt to cooperate with another estate agent to work together in selling the property. I didn’t hear from the agent in a week and he didn’t respond to a message I sent him asking for an update. Hence, I decided to cancel and go with another agent. This is the wording from the contract: If you are a consumer client and this contract was not agreed within our premises
  2. Good afternoon, I entered an arrangement with my Capital One card with reduced payments for a temporary time, due to redudnacy. I have made every payment, as agreed and on time. I checked my credit file and noticed they had uploaded some late payment makrers - 1 on one month, then 2 then 1 and 0 for the latest payment. I have made a complaint about this, and have bene told that this is their process, despite them admitting the adviser on the phone did not advise me they would show as late payments. Is this the correct process for them to follow? I don't t
  3. https://www.standard.co.uk/news/uk/selfdriving-lorries-to-hit-uk-roads-from-next-year-despite-experts-safety-fears-a3619651.html Dont panic,
  4. Hi everyone, I'm new to the forums. On Sunday 30th July I attended my baby nephews baptism and celebration, which was in the town centre. There is nowhere for disabled drivers to park near the venue so I parked on a single yellow line, which I believed I was allowed to do for 3 hours. I left the car at 12.56pm by the clock in the car and set the timer for the blue badge at literally just before 1.00pm. One of my family went to move the car for me at 3.45pm and found a PCN stuck on the window screen. The contravention on the ticket says, "Parked or loading/unloading in a
  5. Received a letter on the 20th July 2017 (Despite the fact it is dated 10th July 2017) stating an imposed amount of £250 from the HM Courts and Tribunals Service. Apparently the fine was imposed at a magistrates court in October 2009. The offence occurred in March 2009. The car was registered in my name at my old address (I moved houses in July 2009). Those were the details given to me when I phoned the historic debt phone number (since the letter simply states the cost of the fine, not the reason why it was imposed etc). Was also given the name of the street the vehicle was spotted on.
  6. Hi all, I sold a very expensive figurine on eBay and sent the item to the seller very well packed first class next day. Two days later the seller requested a full refund stating the item had been damaged in transit. I requested photos of the damage which showed the packing box (shipper) squashed on one corner, the box inside with the figurine inside appeared to have a cut along the corner running up the side of the box. When I received the item back the damage to the box of the figurine appeared inconsistent with the damage shown to the box that housed the f
  7. Hi, I have a debt for £3,565.00 from a catalogue. On October 2015 I sent Moorcroft a CCA request. They wrote back saying collection activity has been put on hold and they will not seek to enforce payment of this debt until the documentation has been supplied. It went quiet for a while then I received a few random and occasional letters from the catalogue company themselves then I received a letter in December 2016 saying the debt had been sold to Cabot who have sent a few letters. Ive now received a solicitors letter from Mortimer Clarke saying if I don't pay within 14
  8. http://www.dailymail.co.uk/news/article-4488560/Shoppers-trapped-car-park-100-fine-overstaying.html
  9. I've found myself in an odd situation which no-one seems to be able to give a straight answer on. I've googled endlessly and found no similar cases. I'm sure my situation can't be unique but maybe it is. I was made bankrupt in 1998 and as a result the forfeiture clause in my personal pension with Prudential (originally Scottish Amicable) kicked in. This just meant that they would hold my pension in trust while it carried on building as before. The only difference being that on redemption any lump sum would have to be paid to someone else. Now I want to take advantage of the new rules by t
  10. Way back in 2008 i was struggling. Business,Housing,Debt the lot. And lost the lot,no big deal many did. Came on here and slowly got sorted out.I am fine now. But at the time i somehow started looking around America and was quite shocked in what i saw. It began when i saw how people were struggling in Detroit.Read a article one day in the Daily Telegraph from a journalist i got to know quite well. And slowly started through forums and newspapers to show my support for the people who were living in Tent Cities over there. Had a debate or two with some over there who just did no
  11. I moved into my new flat in June 2015. I called up the TV License people to say I don't need one, which they said is fine, and I just need to call up every 2 years to remind them. I know it's BS and I don't even need to call them, but I thought I would anyway to see what happens. I've now got a generic letter with "Unlicensed property" in bold across the top, and a threat to pay up before 6th of Jan 2016 or they will pass my address to "Bromley Enforcement Division" for "investigation". The letter even says if I don't need one, then to let them know, and they will send someone t
  12. Hi - My daughter received a ticket from Apcoa at a railway station. Although the photos in the accompanying letter shows that there is something stuck on the windscreen she swears blind that there was nothing there when she got back to her car. She had also just moved so the letter came through to us here. Rightly or wrongly she sent them a cheque for the £80 they were demanding. Further letters had arrived from ZZPS (the phoenix which arose from Roxburgh?) saying that this had been passed to them and that she now owed £140. She rang and said that it had been paid bu
  13. I would welcome some suggestions from Forum Members please as to what I should with regards to a landlord who is taking her time in restoring central heating in the house which I am renting. I have been without heating now for a week. Prior to this, the boiler had broken down a number of times and the landlord was told by two of the engineers that the boiler was obsolete and needed replacing. I have been in touch with the LL and made the point that the situation is becoming untenable, but all I got back was that she is dealing with the matter. I would be grateful for some suggestions abo
  14. Hi, My partner has had an agreement with IDEM services for a repayment plan of 95 pounds. She was diagnosed with Parkinsons in January. She has been without work for 2 years and now she must accept early retirement as she is no longer capable of working. We wrote to idem and her other creditors asking to reduce the figures to a token 5 pounds of which all but idem agreed. I will fill out and income/expenditure form for her to send, as now I am the only earner in the house and so am responsible for all expenses. is there anything I can do in order to get them to drop t
  15. I have got a Mortgage with Natwest on a tracker rate, which tracks + 1.45 above Bank of England Rate. The Bank of England as we know has cut rates on the 4th of August but Nat West keep on charging the same amount, my payments haven't come down. Funnily enough I already had letters from a number of banks (inlcuding Nat West) telling me the interest rate on my savings accounts have been slashed. I called Nat West but was fobbed off with I would get a letter through the post, which I so far haven't had. But they still take the same amount of money for the mortgage of me. The latest pay
  16. No doubt this is one of hundreds of similar cases. I part exchanged my car on 25th August 2015 to a car dealer. Completed the log book properly and handed in the V5C over the post office counter at the same time as purchasing tax for the new vehicle on the day of purchase. The post office gave me a receipt which states V5C handed in. I cancelled the Direct Debit for the tax a couple of days later for the vehicle that I was no longer the registered keeper. Fast forward to January - I get a letter from a debt collection agency saying I owe £80 for an outsta
  17. Hi all I would welcome some advice on this please. In September, I upgraded my phone with T Mobile and entered into another 18 month contract. Had a nightmare with the first handset that 2 T Mobile stores were not interested in despite quoting the usual sale of goods act etc. and me taking the handset back on the 10th day after having received it. Eventually, Customer Services on 150 relented and replaced it as a swap out the next day. I got round to reading the manual last weekend to see what exciting things I was missing out on and I decided to download some new screensav
  18. Hi Quick bit of advice. Earlier this year I was awarded 3 year ESA in support group due to Fibromyalgia and Functional Neurological disorder along with severe depression. I have been on every antidepressant my dr with prescribe and i'm being seen by mental health services, im also on Butrans patches for pain. Anyway been paid fine every since the award until 13th August when the payments just stopped, no letter, no phone calls nothing just no money. I have phoned the hotline a few times and they always say I can't see any reason on my system for not paying, i'll email another depa
  19. Hi guys, Been a while. I'm helping a friend with this. He's received a court claim form from Cabot regarding a Vanquis credit card that was defaulted back in 2008. Surely thay cant proceed as its statute barred under the limitations act? How do we go forward? Do we submit a defence on the grounds of it being Statute Barred. Or do we defend by disputing the debt then put in an application to strike it out due to it being Statute Barred? Not sure if this makes any difference... He was a sole trader when he took the card out. He was a sole trader when the default
  20. I recently had an offer of £700 as a full and final payment accepted by Barclaycard. This was paid and I received a letter from them stating that the account was now settled. Today I got a statement saying I had a balance of £541.38 and that includes £18.75 in interest. What should I do? Should I just ignore it or call them? Any advice greatly appreciated.
  21. Basically I had a hsbc business account which I shut due to the fact I slowed trading for for a while. Started to use my personal account for a bit and then a lot of business subsequently got asked to leave for breaking t&c. Left me without an account, 7 defaults and 3 arrangements on my credit history in the last 6 years. Ive put in an application with Coop for a cash minder, they seem to of lost my application in branch which is a pain. Had a look at the bank groups and basically hsbc aside I had history with all except Santander, figured I had nothing to lose by putting in an
  22. Well, the revelation that British airman are active with American forces bombing targets in Syria despite the UK commons vote against this, and Cameron saying 'he gets it' is a real eye opener for me. My recent softening of opposition to the Tory 'ethos' and suitability to govern a democracy has taken a major nose dive down below where it was before. Whats your views? http://www.theguardian.com/uk-news/2015/jul/17/mps-demand-commons-statement-over-uk-military-action-in-syria That UK forces are embedded with other troops is simply not an excuse. Many forces have other cou
  23. Hello all, First of all, wonderful site and greetings: Over a year ago, I had some letters from a company called Erudio over an alleged student loan, (pre-1997 old style contract) As well over a decade has passed without acknowledging any debt or indeed action, I understand it to be statute barred. I moved well over a year ago and for six months had my mail redirected from my old address to the new. I began receiving demands for monies from Erudio (written to the old address), claiming that I owed them money, I hadn't heard from SLC prior to that; Erudio also
  24. Hi, I'm posting on behalf of my sister. A few weeks ago she was parked in a supermarket carpark and was just about to open the door to exit. She had the door already ajar, while she gathered her handbag etc, before opening the door any further she looked over her shoulder and a car swung in wide into her space (at speed) and caught the side of her door (see picture attached). The chap at first admitted liability and apologised. Luckily my sister had the common sense to look otherwise she could of easily had her leg crushed. What we thought would be a open and shut case has now been going on
  25. I'm posting this regarding one of my friends situation I'm trying to see the possibilities. If I understand correctly, an EU national have to live in UK for 5 years to be settle (without studying, just working or self-sufficient) in this case UK needs to stay in EU for another 5 years (5 year qualifying period). And if the referendum in 2017 will decide "out", then my friend will stop having right to reside in UK and thus will not be able to meet the conditions above?
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