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  1. Hi all, I started a previous thread to share my general issues, but am posting in this section for specific advise relating to First Direct. Previous forum address here if anyone is interested: http://www.consumeractiongroup.co.uk/forum/showthread.php?458839-Low-income-6-year-old-debts-and-worrying-about-the-possibility-of-future-court-action I had an account with an overdraft, credit card and loan with First Direct (all pre Apr 2007). I defaulted on payments for the credit card and loan back in 2009, at which point, they closed my account, merging the credit card and overdra
  2. Hi all I'm new here have been reading a lot of threads because I need to deal with some old debts which I'm being chased for by DCAS. I have one problem which I need to address urgently and hoping to get some advice here . I had a credit card and loan in Dubai . Usual story, lost my job and had to leave. I only had agency work when I returned to UK so couldn't offer any repayment. I was initially chased by debt collectors in Dubai who didn't use very nice tactics to say the least . I eventually had to unplug my landline. I have now been contacted by CWD wh
  3. If 4 staff have a permanent or temporary medical exemption (from the GP / occupational health) to doing part of a job (manual handling - staff are 3 female and 1 male) BUT the one male is told he has to do this part of the job (but the other 3 females not) is this an example of a breach of the equality act 2010? If it is what can be done? If it is not a breach what can be done?
  4. Hi, I sent out a CCA request to DLC, who were collecting for an old Egg debt; I have been paying £1 token payments to them every since the account defaulted over 6 years ago, and due to having moved house a couple of times since, have completely lost track of what has happened with this as the standing orders were set up to come out automatically. Last week I received a response to my request from DLC stating "we returned the account to Egg in July 2010, who have since ceased to trade. We assume that your account has been acquired by a third party company and we suggest you
  5. I am a landlord, I did think this might go into the lettings forum, however I think it could be a general legal issue relating to contracts. We have a joint and several tenancy agreement for tenancy due to start next month, students. (Downloaded from National Landlords Association so hopefully current. Note my LL NLA membership has lapsed but they do keep giving me free access to the document library as an ex member) One tenant wants to exit the agreement and has been very helpful in finding a replacement T. The other T's are happy with the new T so wish to employ a "deed of transfe
  6. I am a landlord, I did think this might go into the lettings forum, however I think it could be a general legal issue relating to contracts. We have a joint and several tenancy agreement for tenancy due to start next month, students. (Downloaded from National Landlords Association so hopefully current. Note my LL NLA membership has lapsed but they do keep giving me free access to the document library as an ex member) One tenant wants to exit the agreement and has been very helpful in finding a replacement T. The other T's are happy with the new T so wish to employ a "deed of transfe
  7. I check the mail for a friend who as been out of the country for some months, as is his motorcycle. He has recently been issued with a Charge Notice by Highview Parking at a Tesco. It states his vehicle is a white BMW with an 08 registration. These details and the Model stated are correct for his motorcycle. The Charge Notice gives photos of a car, an estate car, a dark blue Volvo, with an 06 registration - all other digits are the same. Clearly a "Robo" Charge for which no one at Highview has even bothered to look at their 'evidence' in their eagerness to gather cash and alie
  8. Hi everyone, Ive had nothing but top advice when Ive previously used the forum - so here we go. I defaulted on my nationwide loan in approx 2010 - due to redundancy. Balance roughly 8k. Nationwide took proceedings against me and got CCJ for about 9k - enforced via a C/O that remains on my property. No payments being made as its interest free. I have had 2 loans in my life with them - 2nd was for 15k that paid of the last bit of my fist loan for about 8-10k I cant remember exactly. I have just had confirmation that there was PPI in these loans and nationwide are du
  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 everyone, It seems I'm not the only one being hounded by CRS on a daily basis. I was bought a gym membership in my own name (without my knowledge initially) last year as a Christmas present. It was my local gym at the time. I went to the gym for around 10 months before the gym were given notice that I was moving away from the area. They had a couple of months notice. My parents didn't send this recorded delivery as they never thought this would happen. A couple of months passed and I got a letter from the gym saying that I hadn't given notice - I had already moved at
  11. Received 2 NIPs from different police forces after being caught by speed cameras, one in one force area, the 2nd in another force area. Was continuing a journey on the same motorway in the middle of the night, temp roadworks - unmanned - speed not excessive but over the limit, but each one was within the speed thresholds. One force offered me a speed awareness course, but the other refused and instead issued me with the more severe *Conditional Offer Of Fixed Penalty*, i.e. £100 fine plus 3 points. I did the course, cost me £76. I contend that the other force should not have issued m
  12. Long one… I have worked for the same company for 16 years about 10 years ago I needed to borrow about £10k. I also borrowed other bits over the 3 years after but nothing since then. I had a good relationship with my employer and I was paying it back at about £100-150 a month. No interest on the loan. Think the total amount was £15k. There was never an agreement and I signed nothing nor did I ever enquire about the amount still owed, money was just deducted from my wages. In the middle of last year my employer died and the company was sold to another guy who ha
  13. Any help would be appreciated. I am trying to establish whether my solicitor has acted negligent by not following the pre-action protocol in respect of a Disrepair claim which has now been settled, after 6 years of my local council denying liability under the OLA 1957. I had an accident during the period where liability was being disputed but my solicitor is claiming that he did not have the funds to pursue a PI claim but never advised me on this, and on checking the pre action protocol under Disrepair claim there is reference that would suggest that in any event, a claim for PI aris
  14. Hi. my balance and available balance on my HSBC account is a difference of £42 and i have no idea what this £42 is. My overdraft limit is £600. My account at the minute reads £364.74 and my available balance reads £922.74. it looks as though £42 is coming out of my account. But i have no idea what this £42 is. And i haven't bought/ordered anything for that amount. And when i go into standing orders or direct debits it doesn't list anything worth £42. Just my phone contract and car insurance which is £50/£54. Any ideas? Thanks.
  15. Hi all, I'm in a predicament with 2 x sofas that I have recently purchased from ScS and would love your insight if possible. I ordered the sofas over the phone with the store manager and paid over the phone. I had, along with my daughter, been into the store that day to look at display sofas and had chosen a colour “ charcoal” by looking at a swatch. We wanted grey and decorated the lounge and re-carpeted (carpets from SCS too) according to a grey and lavender colour scheme. When delivered into the lounge the sofas totally look brown. We have a large window and a porch door that
  16. Can someone explain me why on Experian I am only 73 points to have Excellent (at the moment i am good) AND on Equifax - very poor!!!I have the same info on both files, all correct, no late payments, no CCJ, correct addresses, register to Electoral more than 2 years . I cant understand the logic !!! I want do remortgage and at the moment I don't know what to do . The difference its ridiculous, any ideas why??
  17. I received a letter back in Oct 2013 advising I owed money from a Littlewoods/very account. I have never had an account with this company or their subsidiaries. The DCA (Arrow Global)said the original agreement was from 2001 and I sent the letter of no knowledge. I received a further letter in Feb 2014 advising the management of this account had gone to Scotcall and I immediately sent the same letter to them. No further letters until Sept 2014 From Arrow Global again chasing the same thing. I did not take any action. Have just received a letter from Capque
  18. Hello, I will cut the long story and give just the basics. My car was taken into the garage with suspension problems. The garage diagnosed fault and after many problems sourcing and acquiring new part eventually replaced and fitted the allegedly faulty component. This had the effect of making the problem worse. It transpired that it was not a component failure but an electrical problem. The first garage was not able to carry out the electrical work so submitted to a second garage who specialises in auto electrics. After some time I received a message from the first
  19. Hi, thanks in advance for looking at my post. Basically, in 2006 I took out a buy now pay later deal through land of leather with creation. land of leather told me i would be contacted when i needed to start making payments but never did. after taking out this deal i went through a rough patch after having a prem baby and becoming a single parent in the space of a few months with no job and was extremely depressed and i forgot about the sofa payments. the next i heard i had court papers, i contacted creation to ask if i could start making the payments asap and they told me i had to
  20. We have a leased car and received a PCN from Excel in September via our leasing company. The supposed contravention date was 08.09.15 the notice was issued 22.09.15 and date stamped by the leasing company as 28.09.15. We then received directly from Excel the same notice issued on 06.11.15 for the same contravention date 08.09.15. Unable to confirm that we hadn't bought a ticket in the car park (my son was driving) and against my better judgment, my husband paid the £60 fee. Today we have again received a PCN from Excel with the contravention date of 16.10.15 issued on 30.
  21. On the 05/12/2015 Government considers adding council tax support to Universal Credit! Full story here >>http://www.publicsectorexecutive.com/Public-Sector-News/government-considers-adding-council-tax-support-to-universal-credit "Former MP and council leader Eric Ollerenshaw will chair a review on behalf of the DCLG to assess if local council tax support (LCTS) schemes are acting as a fair and effective system countrywide, and whether it should become part of Universal Credit payments in the future. The review will also examine how the reform of council tax
  22. On behalf of friend. Works in retail as shop manager in Wimbledon. V good at job and is considered best manager in area. Area manager want to move him to a struggling branch in new malden. He doesn't want to go. What are his options. Have asked him to send me contract.
  23. Received CCA from Barclays, however it is very different to others I received from the same bank. This Loan dates back to 1999, I have already successfully claimed PPI on this. Is this agreement reconstituted? There's no personal detail on the agreement. T&Cs very short. Do they not have to provide signed agreement as per my request? Big question though, can they enforce this agreement? How should I reply? Appreciate if someone can please help me with the reply. Thank you.
  24. My Husband and I have both received moneyclaim claims. One addressed to him and one to me, but both are the same case number. I have replied to mine as requested and assumed that this would take care of both? I am currently still in the process of sending in documents against my claim, but my Husband has now received a Judgement. How does this work with something which has the same claim number, but shows as two different people? It seems that the claimant will be claiming two lots of the amount due. I'm really confused and would appreciate some advice.
  25. Hi, last year I took out a payday loan with the company named "MyMate", unfortunately I got into a viscous payday cycle, and could not pay back. Since then, they changed names to "Different Money" and have tried contacting me, but only through either phone or email. Not physical letter what so ever. The phones I never answered, as it was numbers I did not recognize, and any txt they sent me would have come to my "spam" box on my phone. The same with my email. However, going through my email I noticed that different money had sent an email sending a "final warning" before
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