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  1. Hi all, first time poster here, apologies if I get anything wrong! I bought the car two years ago, immediately set up a direct debit and - foolishly now it seems - thought that was that. You all know where this is going... So, last month my car got clamped outside the house, that was the first I knew that my car was untaxed. It turns out I’ve been driving for a year with no tax, I was (and still am) a broken man . I regularly check my MOT and insurance online, but tax - it just never crossed my mind, the direct debit was set up immediately, it renews, so all good? Surely t
  2. Hi! I'm sorry if this is in the incorrect place, just looking for some legal advice on an unknown debt. So last year I sold a car to a scrappage company and they took my log book and supposedly were going to destroy the car. However, I've since learned I was conned and the car was abandoned while still in my name. I know that I was very foolish for doing this. I have no evidence of any of it and I KNOW I should have contacted the DVLA and informed them but was unaware of this back then. I realise I am fully responsible for this happening. Anyway, I moved house and today r
  3. Hoping someone can help. I recently bought a car from a trade seller for my daughter after seeing an advert on FB. I went and viewed the vehicle, and I asked the seller some specific questions, one of which was "has the car ever been written off?" (I have a witness who was with me when the questions were asked). The seller said it hadn't and I also got a friend who is a car dealer to do a full HPI check, which came back clean. The seller said that he hadn't received the log book (V5) back from DVLA and that we would have to apply for it. Nothing untoward with that. I purchased
  4. A friend sent me a birthday parcel from Germany containing clothing and household textiles worth approx 120 Euros. They used Hermes Germany, and tracking showed Hermes UK delivered it this morning. I was home all morning, all day in fact, and there had been no delivery. Nor did I receive a card, saying where they left it. I also checked with the neighbors, no one had received my parcel. myHermes international chatline is no help, they couldn't even find the parcel on their system because the tracking code only works on the Hermes Germany website. But anyone using the code can easily see
  5. Hello All, I’ve a feeling that I’ll need to go to the Ombudsman but would be grateful for any assistance.: Long Story short, I approached PayDay UK/MEM Capital last July 2017 and requested a settlement figure as I released equity in a property I own to clear my feet. I was given the figure and when the funds cleared acouple of weeks later, I received 2 text messages (16/8/18) 1st text said I was £8 short due to accruing interest since the initial settlement figure was issued, and literally acouple of hours later I received another text saying my loan was settled in full. As a
  6. Hiya everyone Newbie here. And I wouldn't be here without something that I did as a bit of a lark earlier today. A friend put me up to looking on Trust Online to see if I had any CCJs. Now I didn't think I did, but I went on anyway and found out I have one!!!!! You could have scraped me off the floor with a spatula. I had NO idea about it till today. I've seen no papers, no letters, no forms. Apparently it was issued on May 21 2017, four months ago. Is this a normal thing, not telling people they are even under threat of a CCJ? Do the courts tak
  7. Hi, Got a bit of a fiddly situation here so I will try my best to summarise clearly for everyone. I moved into a flat (from Spareroom) on the 1st June 2016 (tenancy expired on 30th November 2016), I found it a month or so before and they wanted a £300 (cash) holding deposit as they don't take card. I was moving out of London a few days after and was in the middle of exams and I knew I needed a place so (stupidly) I paid it in cash and went for it. Thankfully it all seemed legit, got the keys on the first and again had to pay my first months rent and the deposit via bank transfer
  8. Hi all HSBC Mortgage Repayment Protector I recently submitted a PPI claim via Resolver to HSBC. I received a letter within the 8 week time frame to say that their 'completed searches found NO EVIDENCE to confirm Payment Protection Insurance was attached to any products held with HSBC'. I was surprised at this as I had given them as much detail as possible without being able to give them a policy number. Not satisfied, I called HSBC direct and started a new process giving them the same detail as I had listed in the Resolver claim. Within 3 weeks I received a l
  9. I took out a £300 Loan with Provident a while back and, due to non repayment, My debt has been sold on to Lowell. Lowell contacted Me by phone to inform Me they were a collection agency and my Debt with Provident had been passed to them and stated over the phone that I owed them over £500. I immediately asked how this was considering My original loan was £300 and the agent said that it was 'fees' when I asked what fee's He claimed an agent had called at My Home (Never happened) and this extra debt was call out fee's for the bailiff. I asked the rep. for a fu
  10. Hi. Looking for some advice please. I purchased a 2nd hand car on 14th March 2017. Once the purchase has been sorted I paid 6 mths Road Tax before I driving the vehicle. At the end of May I learned that in fact despite paying the garage the road tax the vehicle was actually not taxed. Obviously I immediately taxed the vehicle before driving it. I have phoned the garage to ask for a refund (have receipts​) of the road tax I paid them. I wonder if there is any other options available? I'm concerned that I've been driving a car with no road tax which apart from in
  11. Hi all I was testing some apps for my daughter to check car history and whilst testing, I used my own car details and have found out my car hasn't been taxed since december. I bought the car in Dec 2015 and set the DD up. I have email confirmation and paid each month without fail up to Nov 2016 No details changed during that first 12 months and having checked, the DD is still set up in my bank but no payments made since Nov 2016. I want to pay my tax from today but am being g asked for a v11 reminder number which don't have. Does anyone have any advise where I stan
  12. I recently bought a second hand car. because of my busy life it became clear that I would struggle to take delivery. The salesman agreed to bring it to my house to complete the sale. He was late and I couldn't wait for him. Despite him knowing that I couldn't complete other than that one chance the dealers are trying to insist that I complete and wont refund my money. He was late because of a traffic jam which they say was unavoidable. The roadworks which caused it have been there for 2 years. What are my options?
  13. Hello, I started a small claim in court against my landlord a few moths ago... Today I received the "Notice of Trial Date" (Form N172), that says I have to pay a hearing fee. Something I already expected. The problem is that I don't know exactly how to do that and there are no instructions in that letter. Do I have to send a cheque to my local county court (where the case was transferred)? Do I have to write a small letter saying that the attached cheque is for the claim number XXXX? I don't find related court fees to this step. BTW, I remember in the process, weeks a
  14. I set up DD with DVLA 2015. DVLA confirmed DD was set up and supplied a letter saying so. Thinking my car was taxed, and having comfort DVLA would take payments as needed, DVLA has not requested/taken payment. Car was not, therefore, taxed. I discovered this with a lovely man put a wheel clamp on my car, with £260 release fee (£160 later refunded once taxed) but then 2 weeks later, letter from DVLA with fine of £216. Replied to DVLA fine letter saying it's their fault. The DD letter from DVLA in 2015 says exactly 'you do not have to do anything'. I am fuming.
  15. Hi all. My car has been off road in a friend's MOT garage since July 2015, I genuinely thought I had declared it SORN. Tonight I have tried to transfer the private plate from it but DVLA told me that I have to decalre it SORN first. I did this by automated phone call but then spoke to a DVLA person who said that I must pay the missing period of taxation before I can transfer the plate. However, a previous call handler hinted that there is a way out of this? Any advice would be greatly received.
  16. Hi My poor little car had a poorly radiator so I bought another car, transferred my insurance in Nov 2016 and set about repairing the first one. The first clue I had that something was a bit amiss came late November when i tried to buy some temporary cover for that car was rejection as they declined insurance saying the car was Cat A/B. I have had this car 5 years.It has never been dented let alone had a serious crash so I thought they just did not fancy insuring a 2.5 L car on a temporary basis. The second was a keen buyer who wanted to check a few things out and never got back to
  17. Can someone please give me some advice on what to do next? I parked in a Parking Eye carpark and paid the appropriate fee. I left before my time was up. I then received a fine and it appears I only entered half my car number rather than the full one. It's a small carpark so it's perfectly obvious that no one else parked there with that combination of letters at those exact times. I've since checked and there IS a sign (set very high above normal eye level when using the machine) saying that I should enter the full number, but it's not a carpark I've used before so I didn't notice.
  18. Hi - not sure which forum this belongs to so will try here. Firstly (I say this first to make the situation clear) I deliberately did NOT sign a contract with these guys because I didn't agree with the terms. I was sent reminders to sign all the way up to the date of the first DD.. and then they duly took the first and subsequent DD payments without the agreement signed. (What is this type of contract called where some basic terms are implied by the exchange of money? "Implied Contract"?) this is for car insurance. My favoured insurance broker uses Close Pr
  19. Hello. My wife recently, out of laziness more than anything, returned a document to Consumer Claims which suggested she may have had PPI on a number of accounts. One of the accounts with HBOS did have PPI and the company pursued this on her behalf. However when HBOS were corresponding they did this directly with my wife and not through CC. At first she redirected the correspondence to CC and eventually got a letter back to say that they did not feel that PPI was missold. My wife then contacted HBOS by letter and made further representations and a couple
  20. Hi, My friend recently found that his employer from 2009/2010 hadn't registered him with HMRC PAYE but they have deducted the paye and NI from his salary and gave him payslips. Also the company was dissolved somewhere in 2012/2013 and noway he could contact them. He only found out when he inquired hmrc about his employment history for the past 6 years which he needed for his visa application. How can he update hmrc records with this employment when the employer can not be found? What is the best resolution for him? Thanks.
  21. Hi I'm new on the forum. I'm looking for some advice. Last month I vacated a property that I had been letting through a letting agent / estate agent for over three years. An outgoing inspection was done and the report stated that the property was in overall good condition. I had maintained it and had paid for it to be re plastered and redecorate with the landlords permission. However, several days after the report I received a telephone call from the letting agent. They told me that the landlord had decided to keep all of the deposit. They didn't give a reason, just said he wasn't ha
  22. The engine in my girlfriend's van recently blew up. The mechanic who she called to come out and recover the vehicle, took a look at the damage and informed her that she would need a new engine. He also informed her that he wouldn't be able to do the work, so had given it to the 'garage A around the corner'. Quite a bit of time passed by as my girlfriend deliberated upon what course of action she was going to take. When she finally decided to get a new engine, she started to attempt to make enquiries, with garage A, to which her van had been given. Not knowing much about anything, she
  23. Hi all I've received a rather threatening letter from Restons Solicitors, I'm hoping you can assist me with my problem. Resotns solicitors been instructed by their Client Hillesden securities limited. I have received an n30 Judgement for claimant Resotns solicitors been. I believe it relates to a car finance agreement I had with Black Horse back in 2000 the Car price was £12000 to be paid over a period of 48 month. After few month later in year 2000 due to financial problem I wasn’t able to keep my payment of the monthly instalment to Black Horse. Black Horse dec
  24. Hi I recently went for a mortgage and got refused saying that I had a CCJ against my name. It turns out that I got a parking ticket in 2012 which I was unaware of, the correspondence went to a previous address I have now a CCJ against my name for £1540!!! Issued from Northampton Court in December 2012. Yes £1540 for interest on a parking ticket that was probably £25 to start with. I had no knowledge of this ticket, no knowledge of this ever going to court, and there is no way I am going to pay that amount for a parking ticket. As this was all issued
  25. This is good, I never knew much about it. http://www.bbc.co.uk/news/health-26527266
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