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Found 16 results

  1. Hi All, I am disputing SB status of an old CC debt with default date of March 2010. No payment or acknowledgement was made ever since the default date to any of the DCA's who chased this debt. The DCA currently chasing me had threatened court action to which I responded with the standard SB letter quoting the Limitation Act. However they have come back stating it is not SB as the original creditor had received the last payment in July 2014, which is absolutely not true. The only payment I made was in July 2014 of £1 fee to the DCA chasing at the time to produce the C
  2. Hi there, Thank you all for considering my enquiry. I will try to keep it as to the point as possible. I have sought advice from many advice bodies and a couple of solicitors but I'm receiving conflicting information and a friend recommended I try here. SUMMARY DESCRIPTION I engaged a tradesperson for a range of works which were quoted at £1740. The tradesperson completed some of the works over 2 days. On the 3rd day, the tradesperson was late and sent an offensive message. Based on the offensive content of the message I refused to allow him onto my property fu
  3. Hi, Im hoping for some advice please. My ex is trying to get a share of my property by claiming beneficial interest. From what ive read he has no claim as we are not married, house is mine & he has never paid the bills or mortgage. He has applied for a unilateral restriction to be placed on my house. Ive read I can dispute this with the land registry but im not sure where to start & cant afford a solicitor. Does anyone know the process or anymore info? Will this mean I cannot sell or remortgage my house? Thanks for reading.
  4. Hello To cut a long story short, i had taken out dual fuel tariff with Scottish Power. When my 1 year contract came to an end they took it on themselves to issue me a new tarif without contacting me, anyway there were no accurate meter reading done by Scottish Power.so i made a complaint regarding the estimated meter readings Scottish Power decided to close the account. Scottish Power finally sent a meter reader to come and take a reading late February 2015, few weeks later i received a electricity bill shy of £800. I have been in touch and Scottish Power keep saying the bill is c
  5. If you are disputing your energy bill with your supplier, it can be a very difficult and heartless job. Gas and electricity suppliers occupy a dominant position and frankly there is not a lot of competition. Once they get you on board it looks as if customer service goes to the wall. We are seeing a huge number of complaints about billing by energy suppliers. Npower is a particular concern but the others are not far behind. Did you know that your electricity supply and your relationship with your supplier is governed by the Electricity Act 1989. Did you know that if you are
  6. Hi all. Looking for some advice please : After reading a little on the reclaiming of various fee's / charges I wanted to find out more about this matter. Looked into my mortgage paperwork and noticed that during the past few years the Broker has been paid over £3,000 and £4,000 for arrange a mortgage of £200,000 and that the rates are not high street rates eventhough my credit rating is very very good. Can you reclaim the fee's paid to Brokers and can you dispute the interest rate that the Mortgage Company is charging ? I am understanding that had a High street lender
  7. Rohannah


    Hi, first post so please bear with me. My husband submitted his NDL Cashflow to the HSBC in April this year when he realised he could not meet his commitments, mostly in return he has had letters advising him to get help from a DC and of course the phone calls. The HSBC also denied that he had written to them so he sent them copies of the recorded delivery receipts and complained about the way he had been treated, he did receive a better response to this and an apology and a refund of charges for that month, he also pointed out that he would not deal with this mat
  8. I entered into an informal loan agreement, the specifics of which were detailed in an exchange of emails. This loan was later increased and essentially became an investment in a joint business venture. The partnership was later dissolved by mutual consent (again there is an email chain to confirm this). My former partner and I later fell out and despite me continuing to comply with the previously agreed repayment schedule my former business partner has issued in the county court demanding interest at an extortionate rate when the loan / investment had not interest agreed. I have
  9. Hello, This is my first post on here. Recently i have been contacted by Buchanan Clarke & Wells (a debt collection agency). It is for an old electricity bill. I once stayed in a shared flat. I ended the contract with the letting agency, paid my electricity and Gas bills up to that point and moved out. One of the flat mates stayed on for another three months in the flat and never paid his electricity or gas bills. He stayed there with two other people who the letting agency new were staying there for three months, none of them signed a new contract. He paid all the
  10. Moved out of a 5 bedroom property at the end of June LL is requesting payment for final utility bills but refuses to provide copies of the bills so the amounts can be verified unless I pay them a £25 charge. They're also alleging damage and cleaning charges against myself and the other tenants but again beyond listing a few items has provided no evidence, or any invoices, receipts etc including charges for their own time and petrol. They claim they cleaned the property themselves. The wording makes out that they are doing myself and the other tenants a favour by not charging us how much i
  11. Hi all, 6 month AST ended and we heard nothing about return of deposit for 2 weeks until i emailed agent to ask. They replied saying LL wanted to take deductions for some things. We asked exactly what those things were, and wrote a letter direct to LL saying if we didn't hear back we'd take legal action. Finally got a letter from him exactly 15 working days after tenancy ended. Deductions proposed are to cover damage which was already existing (we have pictures, and copy of the inventory we notated and sent to Agents detailing all this). They're even trying to claim for scuffs on a
  12. Hi and firstly thanks for looking, I am being chased by a company called RSM Tenon for an account I held with Yell. I sent them a CCA and they have responded with the information. Only problem is, they are chasing me for £1239.93 when I have worked out the amount I actually owe them is £1046.45. It also shows this amount I have worked out on the CCA, I know its not much of a difference but I feel it is rather rude to just add on money without explanation and would like to dispute this debt. Only problem is I don't know where to start in a letter and would be grateful of any hel
  13. I handed my notice in 3 weeks ago and my boss is disputing my hours / workload for the period of time I worked (2 weeks.) My job is working from home and I completed some data entry which they are saying doesn't add up for the hours I've said I work. Where do I stand legally? I was never set objectives or a input per minute schedule for the work.
  14. I am looking for some advice on how to dispute a debt with RBS (passed to Westcot) which is entirely made up of bank charges. In Dec 2010 my account went overdrawn overnight due to a payment coming off (I had no overdraft facility on my account so unsure as to why the payment wasn't just rejected?). Anyway I went 'overdrawn' by pennies - an amount less than £1.00. I went to the bank the following morning when it opened to pay this amount back in, thus taking my account balance back to 0.00. A bank charge of £29.50 was then due to be taken off at the end of that month. I could
  15. Hi folks Hopefully I've come to the right place but if not I apologise for any inconvenience and would appreciate being pointed in the right direction... We compete in a motorsports discipline which is an expensive passtime whichever way you look at it and as a privately, (without commercial backers), family run and funded team, we are constantly looking for help with funding. We put together different supporters packages and in return for donations we would send out t-shirts, caps etc. the packages differ depending on the amount of the donation. We would also offer a pair of ti
  16. Hi all Would be grateful for some advice if any kind soul has the time to offer it. I haven't had a car insurance claim in my 9 years of driving (and potentially 9 years of no claims bonus now to lose!) so I don't have much experience to draw on. In short, I don't agree with some of the invoiced costs which I have received this week - I damaged another car's body work & bumper - but the invoice includes cost of new Toyota, and Aygo badge. Googling an image of the car confirm to me that these are NOT situated along the side of the car or on the back bumper!! The invoice also
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