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  1. Hey. I got contract for 12 months after 14 or 15 months of use i tryed to cancel by contacting by phone. No answer. after couple of times with no luck i cancelled my dd. And everything started... ofc i putted a .I. on them but still intrested to know do they have any legal right? Thx.
  2. Hi All, We are seeking to claim back overcharged amounts on our account which go back to 2006 to date. We have made a counterclaim against them and they (Kensington) have come back with the excuse that the amount owed to us is statute barred.we have calculated it runs i tom thousands and I find this hard to believe as I thought that in relation to a mortgage we could claim back excess fees and charges up to 12 years or more , I'm not certain. Can someone throw any light on this matter as if they are correct it could mean many of its victims will never see a penny paid back. Even
  3. nowlo everyone, I was hoping you'd be able to give me some advice on my current situation. I really want to keep on top of things. Natwest Loan £2,505.78 Natwest Credit Card £1,686.25 Natwest Overdraft £500.00 for my credit card, or shall I say Triton debt management. At the time I was awaiting confirmation of JSA, housing benefit etc and had no income. They accepted a monthly £1 token payment. End of last month they constantly kept calling me, I answered to shut them up. They told me th
  4. Hi I recently cancelled my direct debit that was set up for my Gym etc membership. I had not used the gym in many moths ~6+ and I believe I was 1 month away from the 12 month contract being up. I received a letter asking for the 25£ i owe as the final installment of my membership contract AND a 25£ admin fee to be payed, so 50£ in total. I am willing to pay the 25£ and either end my gym contract or keep it going but I am not willing to pay the 25£ admin fee. I sent an email to harlands saying this: Hi I have not used my gym membership for many months due to a lack of t
  5. As I posted. I am not sure if this site is the best place for this sort of thing, but I am hoping to find out more about this so as to try to negate what I strongly suspect will be a contentious time when my mother dies. I live abroad and visited my mother in the UK when she turned 99 last month, as I have done for the last 9 or 10 years. She was pretty healthy last year but has begun to show her great age this year. Although still fairly compos mentis, she has become quite deaf and started to become more forgetful and confused. She can still get about somewhat but is now also very sl
  6. Hi , nasty taste left in mouth by Samsung. Whilst cooking, i used my S8 as a timer, as per normal. multiple timers set, and running. turned round to check time, and the screen was flashing like mad. A crack was developing before my eyes. A phone call to Samsung sent me to their Romford "customer care" centre where i was told i had dropped it The phone is not yet 2 months old. I was told that screen damage invalidated the warrantee, and also refused a second opinion, as 3 "engineers" had already looked at it. cost of repair is approx £350, after 1.5 months use am i right in thi
  7. Apologies if this is in the wrong forum, I have spent many hours going back through statements and other related paperwork. I have kept every scrap of paperwork so have proof of everything I refer to below. I would appreciate your help in what to do next. I have tried to summarise events as best I can. The things that stand out to me are the Mortgage Protection & Income Protection did I really need both and that Norwich Union would pay the bank commission for arranging the policy. There just seems too many Critical Illness/Life policies at this time the total we owed around this perio
  8. I have been on work related ESA for about a year or so, my adviser has been pusihing me to volunteer at a charity shop and I have. But it isn't my anxiety that's effecting me. I have trapped wind(very painful and makes me sick) so had a blood test and was diagnosed with a failing thyriod, no medication given yet. When I first went onto ESA before the interview to determine where I go, I wrote down trapped wind. But was not allowed to put that down on my sick note. With my thyriod problem it has casued me to suffer from on/off depression, I have anxiety which makes me sick. I am d
  9. Hello fellow members - Last night looking at my credit report I found that a CCJ has been issued against me on 16th November 2016 from Northampton County Court (Information Source - Registry Trust Ltd) to pay approx. £300. This is issued to the address I lived between Aug 2014 and October 2015 as a lodger. Obviously not living there, I've not had any letters etc. from court. The only way I found out about this is last night looking at my credit score. I've never had any credit cards, phone contracts etc. which I took whilst being on that address. I can not think o
  10. I am having to retire soon due to a back injury at work. I am a hca community nurse. I am 55yrs and was hoping to work until 66 which would be my government retirement age. I have permanent damage to my spine, and no consultant will operate. I have lost my driving licence too as l have foot drop. I will hopefully receive a ill health retirement pension. However, l am going to have a serious loss of wages here as my pension will not meet what l used to earn. Can l claim compensation ? I dare not enlist a solicitor as that would cost thousands and sadly not in the union as they were
  11. Hello hopefully in the correct section and there is a Scottish expert for this soap opera I will outline the scenario and my understanding of the law. First the not too complicated part (I believe) Mrs X died without leaving a Will Mrs X is survived by Mr X (20 years separated but not divorced) and 3 Children. Mrs X owns 100% property A (that was signed over legally to her from Mr X 20 years ago.) My understanding of Prior Rights: Mr X is the widower and thus on the face of it has prior rights. However he does not live in property A, so does not "qualify" as the sur
  12. Hi everyone, long time since I posted, have been keeping my head down after finding a strategy for my debts and uncooperative/unreasonable/deceitful 'creditors'. my strategy, devised at a time of severe ill health was to work out who didn't have valid agreements and claims and to tell them the facts and to sod off, and those who did have a rightful claim were offered a token sum as F&F. The first group claimed I was wrong, or simply ignored me, and the latter either demanded full settlement or ignored me. Either way, anything arriving after their response to my stat
  13. I tried to find this out but cannot find. Is there an explanation of the different member types? i.e. Basic, Classic etc If there is a sticky, would someone pls post the link ta
  14. Hi everyone, I'm new here and after some advice. I was made redundant from my job last September through no fault of my own and been signing on ever since. However, before Christmas I had an appointment with my advisor at my local job centre and gave me details of a job to apply for but 2 weeks ago I received a letter saying that they are going to stop my job seekers allowance from the end of January to the middle of march. I have since appealed the decision in writing but when i went to the job centre today I had to fill in another form and explain again. I know it was my fault for
  15. I wanted to know what the new rules are with regards to withdrawing consent for the WP to share your info/contact people on your behalf/claim their fat payment for my hard work when I get a job .. as I am sure I read it had changed since last year, also coincidentally each time I attend a review meeting I get loads of spammy job/credit emails in the weeks after which seems a little timely!! Am getting increasingly fed up with the WP provider, by and large I have had a year of having to attend weekly job clubs with slow computers and the like but since I hit the year mark it seems to have
  16. A motor vehicle has always been a most attractive item for a bailiff/enforcement agent to seize and in particular; because of its value and the fact that in many cases, the vehicle is located on the debtors driveway thereby easing the removal process. In 2014 significant changes were made to bailiff enforcement under the Taking Control of Goods Regulations 2013 but unfortunately with motor vehicles, the regulations may result in reduced protection for many people and in particular, business debtors. A short while ago I wrote a new STICKY for the forum entitled Bailiff enforcement:
  17. Statements Data Protection Team (Statements) Chatham RCSC Kent ME4 4RT Credit Card Agreements Senior Customer Advisor Customer Management Retail Operations, Business Services 2nd Floor, Thanet Grange Southend On Sea SS0 0EJ Loan Agreements - have received response Lending 6 RPO 4th Floor 1 Hardman Boulevard Manchester M3 3AQ thanks to timid80
  18. Hi all I am needing some help. I am looking to claim back all possible charges for payday loans I took out in the past. In some instances I had numerous roll-overs, re-lending etc so I want to raise a dispute with all of the past lenders and try and claim back some or all of the charges. So would like some letter templates from those who have had success. By the way all of these have been settled and none are chasing me for anything. Cheers
  19. I will try and keep a long story short. Car about to die so for the first time ever checked my CRA,s vodafone default from 2010! Recalled a Lowell letter in 2013 about this so called them. They bought the debt, could not prove it was mine and closed it in 2013 . They sent me the vodafone statement on the account which so last payment 2007 and defaulted February 2008 . Lowell you will be pleased to here gave me compensation for chasing a statute barred debt! I contacted vodafone who replied with "pay by 24th July and we will remove the default as it will be ove
  20. I sold my house because I was made redundant in my mid-50's and was stuggling to get another job. I did eventually get another job and after three months I contacted my mortgage lender, First Direct, and asked them if in principle they would give me another mortgage if I downsized, with the idea being I would reduce my mortgage from £140k to around £80k. They said they would, so I went ahead with the sale. When I contacted FD again they said they would not lend as I hadn't been employed for at least six months in my new job. So I ended up renting. But was laid off again after another few
  21. LACEF News is an excellent online "news" website ( link below) which has been set up by the founder of LACEF (the Local Authority Civil Enforcement Forum). Anyone with an interest in local authorities, council tax, benefits (including Universal Credit etc), bailiffs etc will find a daily visit to LACEF News of interest. There are even news articles about important legal cases. New articles appear throughout the day. LACEF News is certainly a page worth bookmarking. PS: To read full news articles (as opposed to a short extract) you will need to complete the short ‘sign up’ for
  22. Hi all, Been reading the forums trying to figure out my best options, so many articles to read! I have been silly and got myself into debt I started with a CapitalOne - Luma Credit Card (£500 Limit - 2013) a couple of years ago to start building my credit, all was going well, got the letter " You're doing well, we are pleased to say we will be increasing your credit limit to £750" I didnt think much of it as I was generally just using now and then and paying in full each month. At the same time I also applied for an RBS Platinum card but was turned down. I then a week late
  23. Looking for suggestions for my step-son who has a handy man business which is doing well, but needs sprucing up to look more professional regarding estimates and invoices. He's really looking for something in which he can set up a template for standard forms etc and just fill in the details in a few minutes. He absolutely hates doing the paperwork! If it could also keep customer contact details that would be a bonus, as would some sort of diary/reminder system for chasing late payments etc, if such a thing even exists. He's prepared to spend some money to get something worthwhile sin
  24. Another One Bites the dust again! Hoist has bought Robinson Way in the past but now it has made advances towards Compello Group HERE Compello Owns; MKDP LLP MK Rapid Recoveries Keynes Collections
  25. A colleague at work had an accident at work and was signed off until 22nd June.However,the company are refusing to pay him until he brings his sick form in personally.Can the company do that ,because if you have been signed off unfit to work, how can the company expect you to come into work and bring your sick certificate and fill in sickness payment forms? I was under the impression that if you had an accident on company premises and were signed off work, then the company has to pay you full pay?
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