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About Me


  1. Good evening CAG, I am new to this site but I must say that I have heard how fantastic you are at helping, so, I am hoping you could point me in the right direction. I have received a claim form from Northampton which has been issued by Cabot Financial. Now they say that I owe money to Moneyway (a loan) and give an account number but, it has been issued to me in my maiden name which I have not used since 2007. Now, I dont ever remember taking a loan with a company called Moneyway so I am pretty amazed at this, let alone using a name I havent been known by for a number of
  2. Hi, I have 2 loans with welcome. 1 was for a car where I was well ripped off, and the other for a cash loan. There is no HP. My cash loan was for 2000 and is a fixed sum loan agreement. and to date I have paid back £3839.63. Aktiv kapital want £450.85. The total amount payable on my credit agreement is £3950.64. I CCA them a few weeks ago and got my original document. Never knew I was paying that much. also got a copy of all payments made since stay of loan in Sept 2007. Interest was added monthly until 05/05/2010 when went to step change. Then frozen.
  3. Hello I was put at risk of redundancy , the letter said they would consider volunteers but no guarantee, was intending to leave later in the year i volunteered . had a one to one with the director and said i was interested , have worked there for over 10 years so the payout was considerable and would help with my new venture . The request was refused. There are 2 positions and 4 people , have un offically been told one of the roles is mine even though i said dont want it, was un offically told they want me to take the job as if i dont they will be forced to g
  4. https://www.thesun.co.uk/money/3143151/france-emissions-sticker-117-fine/ Hopefully the UK are going to reciprocate this in the UK for French vehicles ?
  5. My house was flooded last week as the ball cock broke off in the tank in the loft. Loss adjustors have been appointed and drying company and electricians have been out and set up a separate power supply to start the drying process. I am in a hotel staying that the insurers have arranged. Loss adjustor came on friday and had a good look around took photos and asked me some questions. One of the questions was did I have any criminal convictions or CCJ'S. I said not to convictions and that I had a CCJ about 9 years. I think it was paid but really cant remember as I was in
  6. 4 weeks ago I had a escape of water from a tank in my loft. I have water damage to every room which will entail complete redecoration, new carpets, new electrics and a new kitchen. I live in an old council house and they tested the lounge and hall floors for asbestos in the bitumen that covers those floors ( under the carpets) but up to the edge of the kitchen units there was a tiled floor ( that we installed some years ago ). They did not test this but once the kitchen units were removed it exposed more of the bare bitumen floor. I asked for it to be tested but it was not deemed necessary.
  7. hi looking for some advice - my daughter joined gymetc where she enjoyed attending until some unwelcome attention from a personal trainer has made her feel very intimidated. he messaged her and told her things he'd imagined with her when she made it clear she was not interested. He told her that ither people in the gym had mentioned how the two of them were getting along. She is a very naïve and sensitive 18year old girl and now does not want to go to the gym. I asked her to let me contact them but she doesn't want to get the PT into trouble (silly I know but s
  8. Well, it's been a while when I was very heavily involved on this site for a number of years and especially with Cabot - not sure how many people remember the CFC (Cabot Fan Club)....anyway, I digress Some five years ago I got into some bother with Nat West (Credit Card) as they just kept upping my credit limit without agreeing amount first, doing any checking if I could afford it or anything like that. I had a complaint running with them re irresponsible lending.. They promised to look into it, to sort it and to resolve my complaint ...they never did so I have just left
  9. http://tracking.findmypast.co.uk/track?t=v&enid=ZWFzPTEmbXNpZD0xJmF1aWQ9Jm1pZD05ODQxNDQmbXNnaWQ9Mjg3NzYwJmRpZD0xMTI2MzMmZWRpZD0xMTI2MzMmc249MTY4MTI4MTgmZWlkPWc3Ym5mQGJ0aW50ZXJuZXQuY29tJmVlaWQ9ZzdibmZAYnRpbnRlcm5ldC5jb20mdWlkPUZNUFVLSW50NDAxMjQxNDkwJnRhcmdldGlkPSZtbj0mcmlkPTExMSZlcmlkPTExMSZmbD0mbXZpZD0mdGdpZD0mZXh0cmE9&&&2000&eu=1500&&&
  10. First of all... hi and thx for the forum! I am wishing to claim PPI on a loan and credit cards I had but I no longer have any of the account numbers etc. I only know who they where from - barclaycard, sonycard & egg. Can someone please inform me of how I can go about getting the information needed? I also had an old bank account with barlays which I would like to see about claiming the excesive charges - £25 & £30 etc, if I can but as with above I only know the bank, no account numbers etc. Will it be the same way as above to find this information out as well. Also
  11. Hi all could do with some advise please, I am being harassed by Bristow & Sutor, they have 3 liability orders for outstanding council tax ranging from £29 to current year £910. I have ignored all contact from Bristow & Sutor, but I did make an arrangement with the council last month. they passed the details of this arrangement to Bristow & Sutor, who emailed me acknowledging this arrangement. I have kept to the arrangement and make payments due as arranged, but I paid directly onto councils online payments. now I am getting emails and letters
  12. hi all I have a hire purchase with first response finance we brought in October 2014, had a few weeks and it developed a problem the trader took it back and (seemingly) fixed it, again a few weeks later again it developed the same fault so he agreed to fix it, in all it went back 4/5 times to be fixed all seemed fine until two weeks ago when the same thing happened this time I have said to first response I want it to either go to a garage with no connection to the trader (seeing as it has a recurring fault that he has supposed to of fixed) or
  13. Hi Everyone, A few weeks ago (23rd December actually) we received 2 letters from PastDue Credit Solutions. The letters had my name and address on them and some account numbers and references I know nothing about. Their client was also printed on there as ScottishPower Energy Retail Ltd who we have never used.. Here is the detail of the letters for reference, I have typed it all as I think its important to see how these agencies behave. IMPORTANT MATTER THAT MAY AFFECT YOUR CREDIT RATING Dear Mr/Ms BubbleGuppie.... Supply Address (Our previous rented addr
  14. Two policemen radio into their station "Hello Sarge?" "Yes?" "We are at a house where a woman has shot her husband forstepping on the floor she had just mopped clean." "Have you arrested the woman?" "No sir. The floor is still wet."
  15. Due to poor health, I had to take time of work, Jan and Feb, now from my wages I make sure I pay my Mortgage, Payment to the Debt arrangement scheme, and Council Tax Now I get weekly tax credits of £81, and around the 15 Feb, I received my bill from scottish Power of £298. Now from my tax credits, and working payments out on Excel, I have budgeted £30 per week to my account for Scottish Power, meaning by 5 May account should be paid in full On the 23 Feb, I emailed Scottish Power about my fiancial difficult, and included the payment plan for the account Now
  16. I was on the bus when ticket inspectors got on clicked my oyster card and asked for my ID card as I a discount card due to being unemployed. I did not have my card he asked for my address and name which I gave him he checked with his operator and asked if I had any other ID which I did not I normally carry all my cards but on this occasion had left them indoors. He issues me with a penalty of 80 reduced to 40 if paid before 21 days. My card is rgistered and they had my name and address but still issued the fine is this fair? Mashmallow
  17. Were i live, the council still have the old coin machines, they do not allow any 2012 coins, i had enough change on me for 2 hours, but £1 of the change was in 2012 coins in .20pences. I asked the parking warden near me if they could assist me but refused she told me to pay for the 2 hours or move, i told her i was not able to as all the car parks in the area are owned by the council and are same, and i had my disabled child with me who had an appointment, i had stated this to the warden but she wouldn't have it, but it was a very important appointment. I
  18. if you happen to have a claim, they will use Davies Group Loss adjusters to rubbish your claim, appoint your own FREE LOSS ASSESSORS to assist you, WHEN we had water damage recently, they trawled through 5 years of Insurers cover, if we had made a claim or not been covered they would have rejected the claim - THEY DONT TELL YOU THIS WHEN YOU TAKE THE POLICY - WHAT A RIP OFF TO REJECT A CLAIM - ours is Valid as we had full cover and never claimed in 5 years - DAVIES GROUP BY BAD INSURERS AS LOSS ADJUSTERS TO RUBBISH VALID CLAIMS. CHE
  19. work in security and just a standard security officer in a building monitor things etc. The other day a person from a learning centre thing, that work had signed us up too, I asked what is it, they told me Marshalling/stewarding, I said oh no I'm not into that not interested, then they learning place kick off on me saying wait till we tell your supervisor you have to do what ever they say. I contact supervisor and tell him look I'm not doing marshalling or stewarding at all! and he said it needs to be done for audit reasons, I tell him no as they will make us work for the stadiums
  20. just like to thank all who post on this site ,dont post much myself but do read and learn and thanks to this have just had £4000 debt wiped out by lowells, had hfc debt sold on to lowells who chased me for two years bombarded me with phone calls and letters never produced any documents or paperwork i ask for today got a letter stating that they had wiped the debt off and would no longer be pursuing it, so to all those still figting dont give in and i found all my answers on this site big thang you to the many good people who pos
  21. Don't Know What to Make Of This https://www.facebook.com/groups/beatthebailiffsandthebanks/
  22. Hi everyone, Before Christmas 2007 I ordered an extra wii remote control from studio. You cant pay for it until after you have received it when you will the be sent an invoice When I ordered the webiste said they were in stock but after I ordered they advised it would not come until after Christmas. As I wanted it specifically for Christmas I tried to cancel the order but was told just to return it when it came. I ordered one off Ebay instead and sent the one I ordered from Studio back via registered delivery when in came in 2008. I am now being chased by Ma
  23. Hi, May 2006, we received a document from Land Registry, stating that an ICO had been applied for, and that a COPY of the ICO had been sent to them by the applicant should we wish to see it . Neither myself nor my O/ H were familiar with the Company or the Solicitors involved. We then received a letter from the solicitors acting on behalf of the Company, a few weeks later dated June 2006, upon reading the contents of the letter, we were disgusted to find that the alleged debt had already been before the courts on 3 separate occasions, without our knowledge. A FCO had bee
  24. the clever part here is the MAY's & the OR and to read the letter in reverse. debt collector [may] visit your home or the next contact will be a process server alternatively you may get a court letter of proceedings if you don't pay us, we'll take further action not which action! nor that 'further action means any of those listed! classic play on words dx
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