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  1. Mum's partner can no longer use a mobile phone. He has however been paying EE over £40 a month since 2006. EE initially couldn't trace any account in his name despite giving them bank details etc, but then did find it when I said OK, give us the money back then .... They've ignored all requests for documentation so far, have known for 4 months that alleged account holder has a Power of Attorney in place, but have apparently set the debt collectors on him anyway. He's not received any correspondence from EE or the debt collector. EE have provided some numbers associated with the accou
  2. I had an appointment for dental treatment last week. I parked the car, with a blue badge and 'clock' correctly displayed, on the opposite side of the road. This is an area previously covered by double yellows and had, 12+ years ago, been a service bus stop. I am fully aware that no service buses have used this stop since the opening of a new Interchange down the road in 2006. It is a popular parking place for blue badge holders as it is a quiet stretch of road since the buses stopped running through there, other services with stands in the next street stopped using this area of town las
  3. Hi, All the debts are credit card debts. Had an offer of 85% off a £10914 debt owned by Equi Debt but didn't have the money, think they sold the debt on to Cabot. That was 4 years ago, Can these people take me to court & get a CCJ against me? Also an offer of 25% off from Allied International
  4. I am waiting for action against me with trepidation, I have complex mental health problems including memory loss which means I cannot recall all transactions related to matters over a year ago. Thus, the prospect of remembering the details of DISPUTE which were raised over three years ago. I sent many letters DISPUTING with original lender credit card, but don't have copies. They eventually sold to Arrow Global. They, in turn, have used a succession of collection companies , who I have ignored / returned letters unanswered. I now wonder if or
  5. Hi All I hope that you can give me some advice as I am not sure what has happened to me today is legal. I had to have the vet out to my horse last year and had to pay 500 in advance for his treament and then the rest on account. I had every intention of paying. The debt was in my married name (I have since reverted back to my maiden name) at an old address. My horse was treated however the vet made several mistakes (such as not adminstering him antibiotics which resulted in cellulitus) I disputed the amount at the time. The vet said they would redu
  6. Hi, Local authority is pursuing a disputed sum from 2014-15 council tax period. Having refused a monthly offer of £5 monthly while I was still on Universal Credit the council got straight in touch with UC to make monthly deductions for the amount that it wanted (which UC later granted). LA contacted UC on the same day that it refused my offer / same day that it dismissed my formal complaint about LA's handling of the matter. I think the LA may managed to make the direct UC deductions on the basis of false info that I was struggling with current ctax payments - not the case
  7. I’ve started a small claim against a builder to recoup money paid in advance for work not done. I’ve sent two letters as per process and he disputed the claim, saying the money paid in advance was put towards cost overruns on other work he did for me. This was not agreed with me in advance. I’ve since hired another builder to complete the work not done. Now legal action has been launched he has decided not to dispute the claim. However, rather than acknowledge the claim he has contacted me directly to say he is selling his house and he is willing for me to have a charge on the property to
  8. I have a bank loan that was on lowered payments for a while two months ago they wrote saying if payments couldn’t be put up again the account would be handed to an outside agency so I could be put on a long term payment plan. That was fine until I got a phone call from 1st credit asking all sorts of questions which I answered (never had dealings with these people before) assuming he was about to set up a payment plan but at the end of the conversation he said I would be taken to court unless I pay the whole amount (£3500) within two weeks. I told him I couldn’t pay it a
  9. I noticed on my credit report some information that I disputed. I got a letter from the agency saying they had removed the entry while investigations took place. They later re-instated the entry, but not for 3-4 weeks. Is this normal practice? If it is, what is to stop people disputing all their credit file, and during the removed period, getting credit before re-instating of the entry takes place?
  10. Hi there, For years now, I've been receiving the same letter from the DWP. A vaguely-worded affair, it always tells me I owe the grand sum of £60 to them and to pay up. This usually results in a written response from myself, highlighting that I have no idea where this 'debt' is from and could someone shed some light on the subject. Nobody ever can. One year, I ignored the letter and ended up getting chased by a DCA, who soon passed the case back to the DWP because they couldn't tell me what the debt was for either. This happens every couple of years.
  11. I need some advice as to what I should do... here are the details of my situation. I purchased in to a property scheme run by a vendor in Nov 2008 , where you pay the vendor £2000 and for this they find a buy to let property for you where the rent covers the mortgage payment , the vendor takes care of the purchase of the property, they take care of the solicitor, all the management, (renting, any bills) all bills after two years you have the option to sell the property or to continue to use their services. The Solicitor used was in this with the vendor, the va
  12. In March 2015 I was taken to the local magistrates court for certain council tax bills (briefly, I told the local council where I was living and they refused to update their records [the house was subject to a compulsory purchase order and the council wanted to pretend that the house was unoccupied] until I took them to a tribunal. They then updated their records and billed me for 5 years of council tax). The magistrate refused to grant a liability order for this old disputed council tax. I have paid recent council tax bills and I have a considerable amount of proof that
  13. Hi, and thank you in advance for any help and guidance on this matter. I requested a cca from Lowell regarding a debt of £9000 (which consists of mainly interest charges) from very catalogue. They eventually returned an in signed agreement that has discrepancies on. There appears to be 2 different dates they state the account was opened, one is 07/12/2008 and an alleged credit agreement with an electronic tick for my signature dated 29/06/2011 The total debt is for £9,000.38 Of which £6,434.63 is made up of interest. I am wondering what my next step is,
  14. My O/H has just received a court claim for a Lloyds overdraft , She has not banked with Lloyds since 2002. She left the bank over a dispute regarding ppi etc.( The bank was formally informed the account was in dispute) The claim is by Hoist Portfolio via Howard Cohen. She has filed an embarrassed defence and will post a s77 cca request to Hoist in the morning as we have nothing regarding this account ie aggreement / default notice etc... Besides possibly being statute barred she doubt's if these documents actually exist... Does she now just wait for cca s77
  15. :-)Hi Have 2 NatWest credit cards taken out about 1995/1996 - on which I have been making token payments of £2 per month which just jogs along. £1400 outstanding on one card - £2200 on the other card. Token payments commenced about 2 years ago as lost job due to illness and have not worked since. I am 65 and now have heart failure problems - so trying to sort out affairs in case of further problems. I know I should CCA them - but what then. Do they write off debts? My GP can confirm my health position. It's crazy really - we all bailed out NatWest during banking crisi
  16. Hi This is my first post so thank you in advance for any advice Briefly, last week I received a Statuary Demand from BWlegal and I have a genuine dispute with the creditor (errors on the credit agreement) and I also believe the debt is now stature barred. The loan was taken out in 2006 and the dispute I had with the creditor was upheld by the Financial Ombudsman. I want to apply for set aside and understand I have to fill in forms 6.4 and 6.5 but I have no legal knowledge and cannot afford a solicitor, could anyone help me with the wording for the Witness Statement? The demand was ha
  17. Hi everyone, I'd be grateful for any advice you can offer: Plusnet offered terrible service so I reported them to CISAS. CISAS ruled that a) plusnet had to pay us £250, b) get our services working and c) if we decided to leave were not to charge us for any outstanding contract charges. We did decide to leave and in Dec 2015 I received an email informing me I needed to pay a final bill including outstanding contract charges. I responded asking for an itemised bill by post, and pointed out that they were instructed to not charge me for outstanding contract charges. I never received
  18. I am really hoping someone can advise me here on the procedures for dealing with the following. I am the claimant and the respondent is disputing the majority of correspondence under S111 of Employment Rights Act. However, the Respondent does refer to this correspondence all the way through their particulars of response and is fundamental to my claim. I understand that S111 is not applicable in discrimination cases. My question is how do I go about getting this included in the trial bundle. I presume I make an application to the Judge to rule on this. I want the correspondence included a
  19. Have a quick question I hope someone can help with. Lowell started court proceedings for an outstanding £200 debt to O2. I have no knowledge of this and I've never had a phone with O2 I defended it with the usual 'prove it'. The court has now said this is suitable for mediation. If I genuinely believe this is not my debt, am I right in thinking that I should decline mediation or would this look bad in the eyes of a judge. I just can't see what there is to mediate about if the debt isn't mine or do I agree to mediation and just stat
  20. Hi guys, I wanted to get the opinion of members here as a relative is having a hard time and although I don't know the legislation, I'm pretty sure it's unlawful. Here's the situation: My sister used a nursery for her daughter whilst studying at college, which was funded by a college program to encourage people to take up college courses. The program paid the nursery direct but still sent receipts to her. This ended about 4 months ago. Last week she received a letter from a debt collection agency demanding payment of approx £1400. This is alleged to be the cumulative shortfal
  21. Hi all, Familiar theme here, my partner and I have disputed an overpayment of £3500 from 2010, we have refused to pay despite being hounded first of all by Advantis, who passed it back to the HMRC and now Rossendales who have sent a final demand before they return it back to HMRC. My worry is that I have heard that HMRC can take the money out of my wages, Is this true? and if so is it something that can happen quite often? Thanks in advance
  22. Out of the blue we have been contacted by EDF some 3 years after selling our house and settling our final bill. We've had a revised bill from them claiming that we owe them over £2,000 This is the story in a nut: Early 2012 - We were an EDF customer for a short time before selling our house at the beginning of 2012. - We paid by direct debit/standing order and operated our account in credit. - The day we moved (hectic) I took the GAS reading on my hand (we were being cajoled by the new owner who wanted to get in ASAP), it was pouring with rain. - I duly passed this read
  23. Hi All, I hope I have found myself in the right sub forum! I've leafed through pages and pages of helpful posts from you guys regarding Bryan Carter and similar situations to mine and I've been taken aback by how helpful people have been on this site with people's problems. I was, however, still unsure how to proceed with an issue of my own i'm facing and was hoping to ask for advice.... To start with I'll lay out the groundwork I had a contract with O2 some years back now (2011?) that originally started in 2009 or so, towards the end of this contract with maybe 3 mo
  24. I received a letter a few days ago from DWP debt recovery saying I owed £410. Somewhat confused I called them to ask what it was about and apparently it's from a budgeting loan I had when on benefits over 12 years ago. I paid this back by taking 4 cash instalments into my local jobcentre (now closed) when I first returned to work. The person I spoke to asked if I had receipts etc. Well I did but it was 12 years ago - I've moved house 3 times since then!! Who keeps receipts for 12 years? I understand that the 6 year statute of limitations doesn't
  25. Hi, this is my first post, so I hope I can explain the situation properly. I have a series of old credit card and bank overdraft/loan debts arising from previous financial problems, a divorce and health problems, all debts are unsecured. Some of the debts are joint with my ex. I was in a payment plan which stopped interest running but since November 2010, through ill health, I have not been able to make any further payments. Admittedly I have just left everything and apart from filing letters did not contact the creditors until March 2011 when I considering
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