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  1. Hi, I'm new on here and could do with some help, please. 12 weeks ago my friend ordered some parts for a roof extension he was making. He was verbally promised that the parts would be with him within the week. He paid a 20% deposit at this point. 9 weeks later the parts arrived and he was happy with them. 2 weeks ago my friend received a voice message from the company threatening court action if he didn't pay up. He then wrote to them (recorded delivery) to request an invoice as he planned to pay. This weekend they eventually sent the invoice for the amount plus £185 C
  2. I bought a car for £6K but it was faulty and so I rejected it. The dealer promised a refund but has not paid it and I have obtained a CCJ. However they have now ceased trading. I have a name and address for the owner and will pursue via bailiffs. However is there anything more I can do? It seems rather odd if there is no criminal offence.
  3. Hi, I'm on a DMP with StepChange since 2014 and of the 8 accounts 7 have added a default within the 6 months period, apart from Creation. They have sold this to Lowells and I have written to them to ask for a backdated default to be added. they have refused and said they will update the credit reference agencies with details of any payments made. I'm worried that as all the others will drop off in early 2020 this will continue to be an ongoing nightmare. I'm not sure what to next :/
  4. Advice people have given you did it work for you.From wherever,jobcentres,businessmen,husbands,wives,friends. Example Many years ago i worked on Blackpool Promenade A interesting place to work,could be 5am or ten pm all times of the day. Observing the goings on and meeting many interesting people.Such as the Snakeman,entertainers all sorts of people from many places. One of them was a multi millionaire. We became pretty friendly and i began working for him renovating and modernising a huge shop. I observed how he worked,he had the Midas touch everything he touched seemed to t
  5. Hello everyone, this is the first time I have ever used a forum, but I hope that someone can advise me. I am a 19 year old photographer and I was commissioned to take the graduation photos of a Malaysian girl and her family. She was graduating from UCL and the job was from 9am to 1.30pm. The fee had been agreed in advance. I have been trying to get payment ever since then. My problem is that she graduated in Law and I do not know where to begin. It also turns out that she is from an extremely wealthy Malaysian family and has appeared in the hit film, Crazy Rich
  6. Hi all, your advice on this matter would be greatly appreciated. Essentially I was sitting in my car in a private car park talking to a colleague on the telephone. An council environmental enforcement officer approached my window and accused me of littering and stated that he was going to issue me with a fixed penalty notice. Confused I asked what I was supposed to have done and he answered that I threw a cigarette out the window to the floor. I don't even smoke! I tried to discuss the matter calmly but the officer would not reason with me. I explained that I didn't smok
  7. HI, Sorry if not ciorrect forum, Ill try to keep it short we had been supplying our services to an independant letting agent for 4 months until we were dropped after a complaint was raised against one of their staff. Now they wont pay their last 2 invoices despite us jumping through hoops to keep sending it and changing the layoiut etc so they could understand. ( they had always paid us before until the fallout) They are now refusing to pay part of it as we threatened if we did not recieve by close of business last night then we would go to small claims court. They claim that we cant
  8. I had builder coming in to do extension work Cut long story to short we agreed on price they came and worked 8 hours in 2 days and one of them asked me for some payment i paid £500 and they didn't come for 2 days turned up on 3rd day and made an excuse that they cant find the required doorframe i called them they promised to come after a week as one is sick and other one on holiday When the week finished i ask them what are you guys up to they start making excuses like they needed a skip so they could clear rubbish in the garden i told them that's not the
  9. Major crackdown on abuse of 'debt' judgement by rogue parking and utility firms is announced Ministers will pledge action on abuse of county court judgments by rogue firms Anyone who has had a CCJ without their knowledge will have it removed The Govt plans to immediately set aside all backdoor CCJs for those who can prove to a judge that they did not know about it when it was passed. http://www.dailymail.co.uk/news/article-5214075/Action-debt-judgement-rogue-firms-abuse-announced.html
  10. Please help, First time I received my salary and my outgoings monthly payments are bigger than amount received. I have unsecured loans and pay day loans and this Month I won’t be able to pay 3 of them, I read all the 10 steps but I am still panicking, I have more payments than my salary and I need at least 3 Month to back to "normal" when my paY day loans will be paid in full but this Month and next one I have to stop some payments. Please help and let me know how to go the creditors and what I can ask TO HELP ME, WHAT should I tell them? Can I ask to freeze
  11. I bought a rug from modern rugs last week. It arrived yesterday and while the pattern is the same, the colour of the rug is different. I have looked at their returns policy and they say they will refund the money if we send the rug back within 2 weeks at our own expense. It is a 116 x 170 rug and will be expensive to send back and as they sent a product that was not as advertised I do not feel I should have to pay the return costs. Does anyone know what rights I may have buying something online that does not match the pictures in the online shop?
  12. Hi, I have received a PCN from Premier Park for parking in Exeter Road Car Park in Braunton, Devon. I parked in this carpark for 20 mins at 19:06 and it was dark. I did not realise that it was a paid car park as the notices were not that clear and lighting was low. 'Contrevention date': 2nd November, 2017. The issue date of the PCN: 8th November, 2017. The PCN requests £60 if paid by 14 days from issue date or £100 afterwards. I have googled around and this car park seems to have a history of this issue. I do not live any where near the car park, I cannot get imag
  13. Had to email the court to see where a claim against me was as hadnt received anything. Received an email from them today stating that due to me not filling out the questionnaire my defence was struck out, further down the email stated that the claim has also been struck out as the claimant did not file a directions questionnaire. I can pay money to have my defence considered, but its seems to be a standard email sent out as as the case has been struck out it is pretty irrelevant. My real questions are Can the claimant pay £XXX amount to reopen the case? If
  14. Hello Today I needed to cancel order on floor panels that had value of around £2000 there was nothing wrong with them, well beside the fact I found similar quality panels for half of the price so it was obvious I would need to cancel my order with Carpetright as I'm not made of money just like most of the population. I went to the store with my order confirmation where I paid for the panels with cash(the panels were supposed to be delivered next week) I told the manager of the store I wish to cancel my order and that's where all of it starts. I've been told that I can cancel
  15. UGH! This is a long one, so please bear with me :/ Last year, I had precious little faith in the DVLA's new auto renew direct debit for car taxing, so I set up a new one. As you may have guessed, they wound up double dipping and took months to stop. This year, because I was still leery, I emailed them back in March before my MOT to ask if I would need to manually set up a new direct debit. The response came back as follows: It may help if I explain that periodic scans are conducted on the MOT databases at time of renewal. Provided there is a valid MOT in place by the last scan date
  16. Same price - exactly same size box but minus 2 sachets. Cappucino - box on left from last week - box on right from today You can hear the 8 sachets rattling around in the box - so I guess that will be reduced in size in a couple of weeks! Coffee.pdf
  17. Hi all This one's a worrying departure from companies generally steering clear of taking people to court for old/possibly dead debts - Hoist Portfolio Limited (HPH2 Ltd) have had a CCJ issued on me for a years old debt that may be statute barred. *If* it is the debt I am thinking it is, it is from an old bank account and is an amalgamated loan, overdraft and credit card debt that I had when leaving them after I lost my job and became very ill. I had already made several years repayments on it while it was in the black, but then became unable to continue and had to default.
  18. I bought a 16gb Kingston SD card online for my phone from a company called Sweetcow Ltd. The 1st day I had it in my phone it failed completely. I packed it up and returned it immediately along with a letter explaining why I was returning it. For good measure I began proceedings with Paypal. Well I might as well not have bothered as Sweetcow claimed they never recieved the returned item and kept asking me to returnn it. They ignored all my messages that it had been returned saying I must send it by tracked post. As I no longer had it thart was imp
  19. Hello all, I received today a letter from "marston High Court Enforcement Officers" : Strange thing is that I have NEVER received any letter, information or anything prior to above notice. ..but the stranger thing is that I NEVER drove a vehicle without a valid licence - besides on the date of this incident (13/06/2016) I was home off sick, after being hospitalised for 4 days (doctor gave me a sick note for 2 weeks) - I was unable to drive during this time due to heavy dosage of antybiotics & painkilles and the fact that my left foot
  20. 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
  21. Hi I'm new to forums. I dropped an air passenger off at Liverpool Airport's "Express Drop Off" zone, in a car park that I could not avoid as it was on the end of a No Stopping road. I was stopped for 30 seconds. When I went to the barrier to leave they demanded £2 and went on about a contract and a sign on the road which I had not seen and more .... after about 20 minutes I snapped the barrier by pushing it out of the way and went to leave in my car. The car park called the Police who asked very similar questions about a contract. Now I've investigated and
  22. So yesterday I was taking a look at my Noddle credit report and when I checked the section for previous searches I noticed that in early July there were about 21 searches all done on the same date. I was rather puzzled by this and at first I thought something serious was going on, but when I checked the names and Purpose of the searches it began to click. The purpose was mostly "General Insurance" but some were marked as "Identification Check" and "Quotation Search", and the names were things like, "Lexisnexis Risk Solutions Uk Limited Insurance Quote - Www.Lexisnexis.Com/Ukconsumer"
  23. Hello everyone, this is my first post and i need your advice please, thank you! the letter sent to my address was a form that titled with "duty to give information as to identity of driver". the form/letter was NOT signed, i.e. no signature from police officer who actually dealt with the case. is it still valid then? the letter was received just two days after the accident, which was a fault accident and no third parties involved, no person injured. also, online answers gave me the name of such form should be called "notice of intended prosecution", so the for
  24. Hi, I am looking for some advice, having received a court requisition this morning, having been previously blissfully unaware of any issue (not having received any warning letters) I am the registered keeper of a car, that I 'loaned' to a friend of my husbands to use during a troubled patch in his life. The car was taxed by DD monthly, paid for by my husband, and insured by the driver, until January 2016 when he wrote the car off in an accident. I am being charged that on the 5th April 2016 the vehicle was taxed, and not insured. Firstly, the car was taken away by the i
  25. Secure psychiatric hospitals are estimated to account for around 19% of the overall mental health budget in England, with a spending allocation of over £1 billion (Wilson et al., 2011). This is the single largest component of the mental health budget. The cost per patient in such hospitals ranges from £152,000 per year in a low secure hospital to £273,000 per year in a high secure hospital Bankers4me
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