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  1. Hi! I'm a new user here and this seemed the right category to post this to. Sorry if I was mistaken. my fiance got a letter from Intrum earlier today, trying to enforce a debt of £1529.81 they had purchased from HSBC. My fiance recalls she had paid off - and closed the account - about 8-9 years ago, what at the time amounted to £500. Said account is not present on her credit file (looked up on Clearscore who gets their info from Equifax) and as such no default notices either. Ironically, the 'change of ownership' letter says that they (HSBC) have taken all the necessary ste
  2. I received a parking charge in 2013 for 2 mins stopped at the side of the road at Liverpool Airport. VCS took a photo and sent several letters in 2013 from various "debt collectors" etc - I ignored everyone like the advice given and about 12 months later they stopped. Out of the blue BW legal seem to have bought the data and sent me a claim letter for an alleged office in January 2013. for £100 PCV charge plus £54 legal costs? is there a time limit for these and can they go back to all that time and start again?
  3. Bristol Council are in the doghouse for sending bailiffs and increasing a £1 debt for a mistake to £311 when Marstons called. Technically marstons did no wrong, they applied the correct fees. https://thebristolcable.org/2018/04/i-owed-1-bailiffs-and-the-council-forced-me-to-pay-311/
  4. Hi I wonder if I can get some advice please? I part own a property 30% me 70% estranged father in law It’s been a messy business but I just want done with it now and need to figure out the best way to end all ties Can anyone tell me how I go about getting my share of the property and my name removed from anything to do with this vile man? Thanks so much for your time
  5. I purchased an item from [edited] for £3200 during their January sale thinking it was a good deal as the item normally retails for between £5000-6000. Order confirmation received straight away and payment has been taken from my credit card. I’ve now 3 days later had an email from them saying it was a misprice and giving me the chance to either purchase the item at full price £5500 or to cancel the order and receive a full refund. Their T&Cs (I can't post a link as a new member to them) states that a contract is formed once an order is received and payment taken:
  6. Hello, l am wondering if anyone could possibly give me any advice, my partner and l have arrears with our mortgage company, this was caused by my partner having his work hour's cut, (actually he was one of the lucky few who wasn't laid off), the arrears total £1800, we have spoken to Capstone who were supposed to ring us back to make an arrangement to pay our monthly amount plus some off arrears, their phoning us was to work out how much we can pay back comfortably, they never rang but we have had a letter stating that the arrears must be paid or they will go
  7. Hi, today I received a letter from Howard Cohen & co. Solicitors re a credit card debt from Barclaycard. (enc) I sent off a CCA request in October 2015. They sent back a copy of term and conditions and a covering letter. Since then they sent letters from Robinson way requesting payment then there was a Notice of Pending Legal Action letter from HC solicitors in August 2016 Nothing since then until todays letter for settlement offer. I'm guessing this is because they can't provide the CCA I requested? I can't pay what there asking anyway....should i just ign
  8. Hi, I understand the changes that came into effect in 2013 removed the automatic right to enforce a CCJ at a third-party premises and an application must instead be made to the court. I'm struggling to find any information on this, a search of the internet only reveals lots of pre-2013/out of date information. Is there a specific form that must be completed, and if so can someone point me in the right direction please? Thanks
  9. Hi, I am currently representing my daughter on the McKenzie friend basis in her claim for unfair dismissal on the grounds of discrimination ( pregancy ) We have followed all the procedures through ACAS and we are currently taking her employer through the Employment Tribunal, which has taking about seven months to get to a Trial which has been listed for next week 4/5th February 2016, this was after a previous hearing. Today i receive a letter from the Tribunal stating that the trial might be postponed on the grounds that despite knowing for a number of months that in any event, the
  10. In brief.. I hold a charging order on a property The debtor became bankrupt last year and it seems has now been discharged. As the charging order survived the bankruptcy my question is.. Can I still go down the route of enforcing the judgment in the usual manner, for example, could I apply to court for an 'Order to Obtain Information' etc A little background info.. The property in question has a mortgage. The mortgage lender took the debtor to court and obtained a possession order in July 2015. To my knowledge the mortgage lender still hasn't acted on it yet.
  11. Hi everyone I found out this year that my father (who I'd never had contact with) had died over 2 years ago, and had left me £25,000 in his last will and testament (I have a copy of the will from public record). However, the executor is my brother (who I've also never met) who inherited the majority of the estate, and after some difficulty in getting a response out of him, he has responded saying that I was removed from the will as a beneficiary. The copy of the will that is on public record does have codicils on it, but they do not relate to the money I've been left. My b
  12. Hi Guys I've been granted a default judgment against a large well known house builder company for just under £5k. They initially filed an acknowledgement of service to defend the claim but failed to respond after I sent the particulars of claim. I took the next step to request payment immediately but would like some advice about the best way to enforce this judgment if they fail to make the payment. Can they still apply to have judgment set aside at this stage? If so, what happens next? Your help would be appreciated as I'm unfamiliar with these matters.
  13. I attended a hearing where the above was issued and the defendant failed to comply with it I phoned the court and they said I had to submit a form but did not know which Does anybody know which form should be lodged with the court
  14. Hi Everyone! First time poster here looking for some help dealing with Kapama in regards to a micro credit loan, from some general reading I see there is plenty familiarity with them here so I'll get straight to it. I took out a loan with mini credit in 2012 for £100 and they're now trying to play their old trick of adding many charges on so I apparently owe them £1056.00. I don't believe that these charges are enforceable and I point blank refuse to pay them but they're charming debt manager refuses to back down on the issue. I've offered them the original loan sum, one months interest a
  15. Hi, I recently brought a small claim online against a large insurance company (following a recorded delivery warning letter giving them 7 days to respond, which they ignored), they did nothing so when the appropriate time had expired I applied online for judgement against them, specifying I wanted the full amount, plus interest, costs etc, paid immediately (the original loss for which I claimed was 6 years ago). I now have the judgement as of 30th September, and confirmation arrived by post from the court yesterday. The MCOL service show the next step as to issue a Warrant, but it then s
  16. Hello. I am new to this forum but was hoping there may be someone who could offer some advice with regards a Limited Company we carried out work for. This Company is a cleaning company specialising in industrial cleaning. We are a small Ltd Company. Ordinarily we would not have carried out work for this Company but was approached by another client of ours who asked us if we would help them out as they had instructed another contractor to carry out some refurbishment works on a 3rd party premises, and they had not completed it to their satisfaction (that was what we were told although now,
  17. I had a contractual agreement with an organisation with a company in Uganda and they have not paid me for my services. I have obtained a judgement in that country and the company still refuses to remunerate me for my services what are my options in terms of enforcement if I am a UK national can I take steps to obtain a judgemnt in the UK and if so how?
  18. Hello knowledgeable folk, I've been in the same role for the same company for 15 years, the last 8.5 of these years have been worked from home. Home is a minimum of 2 1/2 hours drive from the office location. My work is completed online, I've never had any issues raised with the quality of my work, or my location until now. A new manager has come in and stated that I should be in the office two to three days a month. There is a statement on my contract that I can be required to work from other locations within reasonable travel distance from my home. I've stated clearly that I am un
  19. Hi all, Made small claims againt leasing agent, summons already sent. Agent's solicitor wrote saying that I am suing the wrong person and that his client will make a claim against me for taking action against the wrong person. Has anyone been in similar situation? Advice please, especially from legal perspective as solicitor is involved now. Thanks
  20. Hi everyone, Can anyone help me with my problem please. On Feb 14th 2014, the Crown Court ordered the CPS to pay me nearly £2000 in wasted costs but they will not pay me. Anyone know how I can enforce the order? Thanks Valgem
  21. Hi everyone, I rarely use forums, so please be kind I booked a stay in a Scottish Hotel some time ago via their trade stand at a flower show. When we arrived the accommodation was nothing like the photos on their website or on the stand. The room was damp, cold, dirty and had no soft furnishings to speak of. Bedding looked filthy and the electrical wiring rather suspect. On top of that, we were told on arrival that the water was unsafe for consumption so they'd be giving us bottled water. They were fully booked, so the only option we had was to put up with it or go home (600 mi
  22. Hello. I was an employee who was made redundant by my employer. I represented myself at an employment tribunal, who found in my favour on all counts. They judged that it had been unfair dismissal and sex discrimination and made an award of around £10,000 although I don’t expect any of it will be paid. At the start of the hearing my employer’s solicitor tried to wriggle, suggesting to the judge that they were not a legal entity. The business is run by a managing committee of volunteers (an unincorporated association) and is also a registered charity (registered with the charities comm
  23. Hi all, I'm posting this on behalf of a friend who has no internet access. She has been receiving letters for about three years from a well-known debt buyer whom she doesn't want me to name. She's very nervous about anything being on the forum. She took out a credit card in the 80s and could not afford to pay when her circumstances changed several years ago. First she got letters from the bank, and then they sold it on in 2010. She has only just told me about this. Apparently the debt buyer has written to her many times and they have sent a microfiche copy of one
  24. Hello.. I am new to the forum and would like some advice to enforce an employment tribunal decision for unfair dismissal and age discrimination in norfolk. I have been awarded a fairly substantial amount due to poor behaviour of the company in question, but the company are now saying that they do not have the funds to pay and have employed an Independent Insolvency Practitioner. I have some information that they may soon be entering into CVA. However, the company are still trading and appear on the face of it to have a steady income. I have arranged for the High Court Enforcement
  25. Hi, my partner is a sole trader and recently took another business (a limited company) to court via the small claims track. The court awarded in his favour; with costs the amount this business owes him is £550. I would be grateful for any advice as to the best way to enforce this judgement please as the other company appear to have no intention of paying. Thank you.
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