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  1. My partner's residential permit expired two weeks prior to getting a ticket 19R. They did send a reminder to her previous address-also within the borough. However not only had she already changed her driving licence, registered her new address for Council Tax and applied for and and now possesses a blue Disabled badge. She is obviously at fault at missing the payment date. However they know she has lived at the new address since the last week of August because of Council tax and later her application for a disabled badge. One would have thought that the Council should have worked out her new address. Is it really realistic that when moving house one has to inform every Council department in order to cover oneself. Is there any hope that an appeal could be successful on those grounds?
  2. My mum has had a mortgage for 45 years. It represents 17% of it's value. They don't want to continue it, once it reached the end of it's term, even after agreeing to continue it in May of this year. We only get to know a repossession court date is due on 30th of this month, 10 days ago. Barclays know she was staying with me over summer and it was only a neighbour checking post, that alerted us. (Barclays has made it very difficult for me to assist my mum on the issue) They wanted a message from the doctor, which they got, now they changed their mind and want a more formal letter via the post. Before 'possibly' reconsidering. Her rate was/is a minimum of 5% and went higher when rates increased recently. So they are earning well from her. Plus she paid off two loans they sold her, to pay off overdrafts, they kept letting her fill up! Until we asked them to stop. Both stink of miss selling. The impact of this will worry her, cause her to fear leaving her home and disrupt her recuperation with us. An effort that took her from being skin and bones, close to death (even with carers/social workers visiting), to eating and being more healthy.
  3. THREAD NOTE: the OP talks of a CCJ this is infact a DEFAULT MARKER ignore the reference to it being a CCJ. dx - siteteam ........................................................... Hi All, the is my forst post on CAG. I have a question, which im hoping the community will be able to advice me on if it is legal, and if not the steps to take to resolve this. 7 and a half years ago, i split with my X wife, which was quite a bitter split. In her wisdom, when we split and put the marital home up for sale, a few weeks later my x wife took the house off the market, stating i had never asked for her permission to sell the house, and she refused to sell the house even though she had moved out when we split. Consuquetly, the house was repossed and a CCJ was rejistered against me. I did try and come to an amicable agreement with the Natwest where by i was responsible for half the debt (£16,800), and my x wife was responsible for the other half, and once my half was paid off it would show as settled on my record, which they rejected. So, i thought i would wait out the 6 years, for the CCJ to expire. During this time we have moved twice, and i have not received any letter from anyone for about 2 years relating to the CCJ, so im actually unsure who actually own's the debt (Natwest or DCA) The debt did expire on May 31st 2013, and did 'dissapear' off my credit file. I pay a monthly subscription to experian so regually check my file. Last week the payments started showing again on my credt file as 6 months in arrears and deliquent. After alot of research i was under the impression that once the CCJ had expired after 6 years, that was that, unless of course they tried to re-rejister to the courts for a CCJ. Im thinking of getting legal advice, however before going through the cost i thought i'd see what my options are on here. So my questions are: 1. Is it true the Natwest or any DCA can rejister these late payments that have just appeared on my Credit Report after the six years 2. If not, what are my options to have these removed from my credit file? We where hoping to buy a new house in the next 6 months, however that is going to be impossible with this on my file All help is VERY greatfully apreciated in advance
  4. Some of my LL's post has always come to the house, passed on to her periodically. My housemate accidentally opened a letter for the LL and it said that the interest only mortgage on the house has expired and there is a large lump sum to pay! I contacted LL, she said this has come out of the blue and that she had not received any of the forwarded letters. Also said she changed to a BTL mortgage 10 years ago. Didn't give a straight answer when I asked if it was BTL why were the letters etc coming to the rented address. She said she would try to extend the term, but I know she has been having financial problems and she is over retirement age. What are my rights? Worst case scenario say the mortgage lender want to repossess, what could happen to me? I have an AST agreement and my rent is paid up to date.
  5. Hello, I like to get as much help/guidance as I can as to where I stand legally on this issue. My default date on a delinquent account was October 2010. In November 2016 I checked my credit file to confirm it had been removed post 6 year anniversary (It had). However when I checked my credit file again in June 2017, I discovered that the same default had been re-registered. The default date had suspiciously changed to September 2011! I wrote a complaint letter to the creditor, and they basically stated that this was the correct default date, and that they could not find any evidence to support my claim that the default date was October 2010. I actually have a credit report, which supports my claim. I raised this with the Financial Ombudsman, provided my supporting evidence. The creditor want to make me a small settlement offer, and basically informed the Ombudsman that they did not know why the default had been re-recorded. They will also removed the default, but say it will take 4-6 week! Legally are they allowed to have re-registered my expired default? Are they breaking the law, such as the Data Protection Act? It seems plain wrong that they can do something like this. Also, should it take 4-6 week to remove a default that should not have been re-registered in the first place? Additional info: I've been repaying my debt over a number of years. Any insight or advice is much appreciated! And thank you in advance.
  6. A friend sold his car in late November for £500 after advertising it on a local for sale site. The friend had explained to the buyer that the MOT had almost run out and that the car needed quite a bit of work. Last week he received a MCOL claim for the full £500 and the buyer stated that my friend sold him a car with a 'false MOT' and that my friend 'withheld the true state of the vehicle's condition'. The MOT was provided by the keeper previous to my friend and after having looked on the Gov website, it appears to be fine. Surely this can not be a 'false MOT'? My personal suspicion is that the buyer realised that there was more work needed on it than he first thought and decided, over 4 weeks after the sale, to issue a MCOL. Any advice would be greatly appreciated....
  7. Hi All My defaults are dropping off my file . Can a second default be initiated against any of them , either by the original lendor or DCA new or old. ? Or is it one default term per debt ? Thanks Andy
  8. Hi All Summary: - I've had an agreement set up for 12 months with no issues from a debt. - Visited on 3rd August 2016 while on holiday by a HCEO, no 7 day warning in writing. Asked confidential questions to my neighbour - Visited again last Friday 12th at 06:45 am, again no 7 day warning in writing - He showed no ID, I let him in to stop any embarrassment and to genuinely sort out some confusion as a payment plan has been in place for over 12 months with no issues. - Outstanding amount before entry was £358 (oringal writ amount £2305.56), he demanded £1483.11 - Gave me no opportunity to speak with anybody from the claimants office - Served a writ - I didn't read it properly as I was in a panic with my daughter in the house - I had 1 option to pay in full, without hesitation and with no inventory made he grabs my car keys - We panic and pay the full amount £1483.11 with a credit card He leaves, leaving a trail of utter despair and emotional distress. I called the relevant parties at 09:00 the same day, the HCEO office decides to refund me £970 within 1 hour (when I mentioned the writ below) - Saying 'we dropped the ball' (the claimant and HCEO had no communication or understanding of my debt and the actual correct figures owed) From researching the past 3 days: - The writ was dated 28th May 2015 (expired) I never checked it. I've called the court who issued it and they confirmed it expired and was never renewed. - The actual HCEO who attended seemingly has no certificate according to the register I have made a formal complaint in writing but wanted to know if there is any consequence for a HCEO enforcing an expired writ? Also when a HCEO has no certificate? ...Can I take action? Appreciate any guidance. Thanks, garynansome
  9. In October 2015 I entered a contract with TalkTalk which expired in January 2016. As part of this contract I was sent a Freeview Box EVEN if I stated that I did not want it because I had no TV set. When the contract expired I was on a rolling contract until on 11/02/2016, when I decided to join Virgin Media. Before leaving TalkTalk I repeatedly contacted the staff by phone, chat and online to make sure my contract was indeed expired and to be advised on what to do with the Freeview Box. I was always told the contract was expired and I did not need to return the box. Excerpt of the transcript from chats and online replies from TalkTalk advisors are at the bottom of this post. However: On the 11/ 02/2016 I was charged £75 for the non restitution of the Freeview Box and immediately credited £ 75 back with a fee waiver. On the 29/03/2016 I was charged again £ 75 for the non-restitution of the same box. On the 19/04/2016 a Customer Service Manager told me that my contract terminated on February 2015 but not the 'TV portion' of it, following a phone call I made to them on 19/02/2015, (of which I have absolutely no recollection), in which 'I terminated the TV contract early'. However, she looked at the transcripts of the various advisors and agreed that I had been erroneously informed, and requested a refund of £75. On the 19/04/2016 the Online community executive told me: 'Your account is in credit for £75. A refund has been requested to send it back to your bank. Should be with you in 3-5 days. ' On 25/ 04/2016 a Customer Service Manager called me to inform me that the refund was cancelled as the Financial Team refused the claim as I cancelled my contract early. I rejected their argument on the basis that the staff repeatedly gave me the wrong advice, which led to the non restitution of the box and the Customer Service manager told me that she would escalate it again to the Financial Team I also would like to listen to the phone call in which I allegedly terminated a portion of my contract 12 days early!! I have no trust whatsoever in their procedure and I would like to escalate this further. Any advice is very appreciated Cris Here are some of excerpt of the replies I was given by TalkTalk staff: 18/01/2016 Chat operator - Shadil Shadil: Thanks for your patience, your contract ended on the 24/01/2015. Are you looking to renew your contract with us? CRistina: are you sure it ended on 24/1 2015? CRistina: 24 February 2015? end CRistina: 24 January 2015, a year ago? Shadil: Your contract ended on the 24/01/2015 and at the moment, you are on a rolling contract month to month contract with us. 19/01/2016 Chat operator - Barbara 19/02/2016 Chat operator - Ordella Barbara: Yes if you contract is over the You View Box is yours.  Ordella: Yes, I do see on the system your contract expired on the 24/01/2015 and you where on a rolling contract until the 11/02/2016 Ordella: You will be able to keep the you view box because you have reached the end of your contract with TalkTalk. 07/03/2016 02:32PM Online community executive: 'Basically the letters are being generated because your TV service shows as starting on the 23.02.2015 and ending 11.02.2016. i.e 12 days short of the full 12 months, but in all reality your contract ended in January. Its a system glitch causing the letter to be generated and also a bill will be produced showing the £75 fee, But this will be cleared at the same time, you will see this on the bill produced on the 11 March. The box is yours and does not need to returned. ' 'I agree your contract ended in January, however the box was sent regardless of if you connect it or not , it still forms part of the contract, Our system has put a different date on the start for the TV portion of your contract, our system shows it was connected at least once to your router on the 19 Feb 2015. Again the box is yours and does not need to be returned. ' Cris
  10. Hi, I'm not sure if I'm in the right place, or if anyone can help, but it never hurts to ask.... please I emailed a company with expired experience vouchers (by 17 days) explaining my situation, which is: My Mum bought me a sky diving experience and zorbing for 2 for my 'special' birthday (end of April 15). She bought them early April 2015, it's all a little vague as a family friend helped her as she isn't very confident with the internet. On April 12th, I fell very, very ill. I missed my birthday, and more things than I can count since. I've been in and out of hospital, had a multitude of tests, MRI, biopsies, and cameras. I've lost my position at work. I was also unable to complete a course, as I couldn't get to the exam. I'm still awaiting a diagnosis. I'm still very limited in being able to leave the house. I only include this to highlight why I haven't been 'on the ball' regarding expiry. I know it sounds somewhat My mum was under the impression that the tickets she bought for me were valid for 12 months. Again, I know it's our 'fault', we didn't read the vouchers thoroughly, but I'm also sure you can understand why booking a day out hasn't really been a priority when facing what we have been. I was severely ill when I received them on my birthday and have been since. I got the papers out today, as I wasn't feeling too bad. Good days are a rarity, so I figured I'd be productive. My good day quickly turned into floods of tears (not usually my style, sorry ), frustration (at missing out on yet another thing ) and guilt (as my Mum will probably end up losing her money, and now feels bad that she didn't get me anything for a 'special' birthday ...all while telling me I'm more important). She thought the vouchers were for 12 months, thus leaving us time to discuss the potential for an extension or refund....but they are only for 10 months. I emailed the company as I was too upset to ring, and explained all of the above, and that another company had been kind enough to extend a voucher bought even earlier under the circumstances, and could they help at all. I even offered to get medical letters to verify that I hadn't simply forgot, and that have been genuinely very ill. I very quickly (same day...today) received the following reply: "Thank you for your email and I am sorry to hear of the issues you had faced last year. For all eventualities that would prevent a customer from taking their experience(s), we do say that they can pay to extend their voucher(s). This will only be honoured all the time that the voucher(s) are still in date. Unfortunately as both of yours have now expired, we would not be able to assist you on this occasion. My apologies. Best Regards (name removed) Sales & Operations Manager (company name removed) :Cry: = my current emotions Do I have any way to get my mum her money back or an extension? Or has my illness cost my Mum her money and me my birthday gifts? I'm not sure if the vouchers were bought using a debit or credit card (family friend will check) but any help/ information would be greatly appreciated. Yours in hope and desperation, MissSocks
  11. My wife died just over a year ago. The house we live in was bought in her name only, and the mortgage is in her name only. I obtained Probate and I am the beneficiary of all assets and debts. Last week I phoned up the lender - assuming it would simply be a case of switching the deeds and mortgage to my name and continuing payments. I was concerned when the person said that in those situations they usually required the mortgage to be repaid - which i couldn't do without selling the house - and I would have no-where to live. Despite my late wife owning the house/mortgage, ALL monthly payments have been from MY account and have never been missed. Anyone have any advice on this? Thanks
  12. Hi I have been trying to fight a PCN i received after parking in Wickes in June this year. I wrote a letter downloaded from another forum, and then appealed directly to Wickes who emailed G24 to say we were in the store and to cancel the fine. I thought that would be the end but received another letter with an increased fine for £100. I wrote again and included a print out of the email have just received another letter stating the appeal was too late. The letter gives me two options, pay the fine or debt recovery (or court proceedings) The letter concludes by saying G24 may engage with IAS alternative dispute resolution scheme at their discretion. I have tried to appeal with them but keep getting an automated message telling me to contact G24, but so far my emails have bounced back. The email from Wickes was later then the deadline but i thought it showed clearly we were not at fault . I cannot afford this fine and am very worried . Do i have any options?
  13. Hi, In October 2012 I purchased an American style double door fridge freezer from John Lewis for £705.00 with a two year warranty. For some time now it has been leaking water and getting so bad that it is leaving a large puddle on my kitchen floor. I read somewhere that it is possible to ask the original supplier for a free of charge repair, despite the fact that the warranty has expired, on the grounds that it is reasonable to have expected it to last longer than it has given the price paid. Today I have telephoned John Lewis to explain my situation, they said they were unable to help as the warranty had expired but did suggest I telephone the manufacturer, Samsung, to see if they would be prepared to help. I have tried to do that but they are closed. I intend trying them again at a later date but in the meantime could someone tell me where I stand legally so that I am armed with the correct information when I make the call. Many Thanks.
  14. I'm hoping that someone will be able to help me as I'm feeling absolutely desperate. Our interest-only mortgage with GE Money was due to expire in May 2014. However, in September 2013, my husband was involved in a road traffic accident and sustained brain injury. Since then he has been unable to return to full-time employment. I wrote to GE Money before the expiry date, explaining our situation and requesting that they extend the mortgage term for another year until our situation improved and we were able to approach another company to re-mortgage. Despite providing them with medical evidence, they rejected this offer. In early October 2014, they sent a letter informing me that they would take legal action to recover the £190,000 outstanding (our property is worth around £270,000). I phoned them, once again reiterating that we had kept the mortgage payments up-to-date and that once I had a full-time job, I would seek a remortgage with another company. They said they would consider this, but make no promises. On Saturday this week, however, we received a letter from their solicitors (Eversheds) informing us that they have been asked to represent GE Money and that we will shortly be notified of a court date. My husband has suffered with anxiety and memory problems since the accident and this situation is making matters ten times worse. Any advice would be most welcome.
  15. Dunno if this is right section , but here goes In May 2013 a charity provided my autistic son with a new boxed HP laptop. Recently the battery is going flat very quickly -about 2hrs.It def needs replacing I was surprised to find my warranty had expired in May .....2010 ! I contacted the charity and they told me they bulk purchase in advance -hence the early expiry my question is do i have any legitimate warranty claim ie when i received the goods ? Thx
  16. I was employed with a 6 month probationary period. 10 days after the expiration of this 6 month period, I was sent a letter to notify me that due to performance issues this period had been extended for a further 3 months. At the time I agreed to the extension and carried on with my job. One month later I was called to a meeting with my line manager and HR Manager and told that y probationary period had been unsuccessful and was asked to leave my position with immediate effect and they would pay me the one week notice period as outlined in my contract. As my probationary period had expired when they informed me that they were extending it, am I entitled to the month long notice period pay that is outlined in my contract as I had been with the company for more than the 27 weeks it states is needed for a 1 month notice period? I know that I agreed to the extension, but the letter I have notifying me of it is dated after the 6 months was up.
  17. Can anyone help or advise on the following:- My two boys each received a £10 JD Sport Gift Card for Xmas last year. They recently tried to use them only to be told that they had expired. The Gift Cards are only valid for 12 months so must have been purchased early December 2013. Are they worthless or do I have any rights? Thanks in advance TS
  18. Hi Folks, (Sorry this is a bit long!) I have trawled through several of the Forum posts relating to Possession Orders on here and on other sites but our case seems to be different (The story of my life!) Our INTEREST ONLY Mortgage with GE Money expired in Jan 2012 with a balance outstanding of approx £62k which we were unable to pay. We have since made interest payments of over £15.5k at a rate of 8.44% which hasn't changed since 2009 although we are meant to be on a variable rate. There are no arrears and we have OVERPAID approx. £740-00 to date. We made a written offer to GEM to repay the outstanding balance over 5 years at their Base Rate of 4% but this was declined. We had a remortgage offer last year but this fell through as there are other charges on the property and we ran out of time to sort them out. We went to court in September armed with 11 pages of defence as GEM's solicitors had got most of the details wrong but the judge ignored this and said he had no option other than to issue a possession order as we were in default (Expiry Jan 2012). We have until Nov 25th and have been looking at all the options. These are: 1 Cash Sale (Approx 84% of value) 2 Auction Sale (Estimated 88% of value) 3 Remortgage at 2.5% over 11 years to cover outstanding Mortgage and Charges. (We are currently in a joint mortgage but would have to transfer ownership to my partner due to my age!) 4 Bridging Loan over 1 year whilst we sort out the charges with a view to putting the property up for sale. Everybody and his dog keeps telling me we haven't got much time! Been to CAB, 2 solicitors (£75 costs), about 20 websites, zillions of e-mails, etc! (Not much help really, especially the cAB and solicitors who seemed to tell me what I'd already told them!) The judge said we would have to have tangible evidence of either a sale or a remortgage going through - not sure if an offer document would be enough. By the way GEM's solicitors (Eversheds) sent us a wad of documents dated a week before the hearing but we received them at 10am the day of the hearing - which nearly made us late! GEM have since written to confirm they have a 'Absolute Possession Order' which becomes enforceable on 25th Nov 2014 and stating: "We are still, however, prepared to provide you with a further opportunity to repay the balance of your loan within a reasonable period of time". I phoned them and was advised to put in a better proposal, shorter than the 5 years that I had previously offered. (I have been advised that GEM send these letters out automatically just to comply with regulations) My questions are: 1 Can I appeal on the grounds that GEM's solicitors had most of the facts wrong in their application? 2 As the judge said we are in breach of our agreement should we have continued paying interest or can this be claimed as capital? 3 GEM took over our account from FN Finance/Abbey National - is this legit as other sites suggest an agreement isn't legal unless both parties have signed it (Or is that just in the USA)? 4 I have sent letters/e-mails/phone calls to the 5 parties with outstanding charges against our property, with a view to them accepting reduced settlements but have only received 1 reply to date! Would GEM or the court be liable to grant further time whilst these are sorted? 5 Does anyone know of a solicitor that can be relied upon to carry out the work in a short time? I think that covers about everything for now - I'll just add that I'm reluctant to pay out fees up front with no guarantees as most of our money is still going to GEM to repay interest.
  19. Hi All Just wanted to see what people think. We tried using a gift yard yesterday but was then told it had Expired. There is no date on the card showing an expiry, there is a date on there but I would believe that to be an issue date. see photo. Anyway I called up Argos who said the same it had expired but surely I'm under the assumption that if something had a date of Expiry then it should be clearly defined and visible like with food or drink. I have emailed them over this and also said should they then go along the lines of right to refuse and withdraw the gift card I would like a full explanation and reason why. [ATTACH=CONFIG]52432[/ATTACH] Am I right in thinking the card should be valid still because there is no EXP? Cheers Steve
  20. Okay today I brought a return ticket from Feltham to Egham, I used a railcard on the machine, I did not have it with me and neither did I realize that it was out of date now I am home. The ticket man asked for my ticket then asked for my railcard, at the time I thought I had it so I looked for it and apologized and said I do have one but its not with me. He said he would need to take some details so we got of at Egham and he took my details while I tried to find my card, he noticed I had other tickets in my wallet and asked if he could see them, I said yes and past him them there must have been about 7 tickets all of which I have used my railcard on without realizing it had expired. He asked again do I definelty have one I said yes and explained I got from Egham station. He got out he phone and called up someone then gave them my details after getting of the phone is said there won't be a fine by South West Trains will be in contact within 3 weeks and its out of his hands, he wouldn't tell me anything else. I called up the customer services and explained what had happened and they said the prosecution team will deal with it and I may not even get anything back or I may be fined. Now I am worried, I have never been in any sort of trouble, never been fined so I am worried of what will happened, I searched the internet and see all this reports of £1000 fins and court summons. Can anyone please explain what could have, the worry is making me sick Thank you in advance, John
  21. Hi all, More to discuss ! Another of my colleague/friend in need's issues relate to Marlin, seem a lovely bunch... re an old EGG Account which defaulted in Aug 2005. Not yet Stat barred however as they continued to make payments through the CCCS until early / mid 2009 (awaiting confirmation of exact date but still under six years for definite) Question is as this was defaulted by EGG in 2005 how can Marlin apply another default in Nov 2011? Surely they cannot do this as it just continually resets the 6 year period? It seems that Marlin didn't take the account over until Feb 2013 EGG were absorbed by Barclaycard in 2011 could they have done it? Either way surely if it has defaulted once it cannot do so again over 6 years later ? Your advice would be very welcome! Cheers Bongo !
  22. Hello All, I need some urgent help and advice here please. Let me first describe the sequence of events happened to give the details: On Saturday 9th We (myself, my wife and two kids (less than 5 years)) were travelling from East Croydon to London Bridge. We boarded the 11:50 FCC Brighton to Bedford train. I had my monthly zone 1 to 5 pass. For my wife we purchased the day card (£5.90). In the train we were asked to show the ticket. We showed it. Asked for railcard. I had that and showed it. It was completed faded and date was invisible – so inspector took the lighter and then checked – to our extreme bad luck the card has expired in May. It was fully my mistake that I did not realize it and used it. I should have renewed in time. We rarely use the card. Infact after its expiration date we had only used it on that day – first time. As my wife does not know to speak fluent English – I was talking to the officer and told him I will answer the queries. He asked me if I had brought the ticket – for which I answered yes. He then told you have been using the card which is 6 months of date for buying discounted tickets. I honestly apologized and told that this was a mistake. Told him we use this card very less. But I was not offered to pay fine/or difference fare. He asked me series of questions which I truthfully answered. Gave my correct address and he made a phone call. I guess that was a MJ10 or 11 form and I had to sign on it. In that one question was did you intent to evade fare – which I answered NO and said it was a very honest mistake and I apologized for it. I was not knowing what are the consequence at that time. He only said company will write to us. Later in the evening I did some reading on this forum to find that it can result in conviction too – which has completely devastated me. Firstly – I fully accept my mistake and apologize for travelling on expired railcard. I should have got it checked. Can people on this forum please provide expert advice on what to do next. Also Few specific questions I have is: 1. Should I send an letter to FCC prosecution dept now itself fully apologizing and remorse. Also willing to pay the fine + admin charges. 2. Even though I had my valid train pass, I was talking to the officer as my wife is not fluent in English, and in that situation – I did not realize / was knowing any court or prosecution would be involved. I have given my name and I guess now the further dealing will be against my name right ? 3. I am a single bread earner for my entire family with two kids and dependant parents back in my country – if this goes to court this would lead to a devastating effect on me. I am a hard working IT person and don’t want this incident to be referred to court. 4. I have been judiciously buying my monthly pass for last 22 months (almost £200 per month), never done anything silly like this before. This was our first and last mistake. We have not being using that railcard after expiration – this was the first instance only. Will these facts help in anyway. 5. I have been to london for a 2 year contract work. By end of this year I am supposed to go back to my country. Hence want to settle before I go. Respected Members – any help from you will be extremely helpful. Sorry for the long post – I wanted to put in everything to give clear picture. I am having sleepless night and not able to concentrate in my work altogether , I am really sorry for the incident but worried of the outcome.
  23. Hi, I was wondering if anyone knows about how CCJ's can be enforced. .. over 7 years ago I had a break up with my partner and it turned out he had incurred a debt of £6000 for a credit card in my name I didn't know about. Back then I chose to bury my head in the sand & ignore it as I had no way of paying this. I didn't acknowledge any debt or make contact with anyone, however was issued a CCJ which has recently dropped off my credit file after 6 years. This remained unsettled as although it was technically in my name, I didn't use this money so thought I would ignore it and just let it drop off my credit file in due course. Today I have received an attachment of earnings order asking me to either pay Mortimer Clarke Solicitors £6,407 or fill in the form and send it to the County Court for payment to be taken from my work, it also said I could face 14 days in prison (I have had one of these before the CCJ was issued and ignored it back then) Are they able to do this once the CCJ has dropped off (They keep sending post to my old address which I haven't lived at in 4years so they clearly don't know if I'm receiving letters or know my work details etc) I also wonder if the form is genuine or a scare tactic to get to me contact them or whether the County Court will give me another CCJ for the old one not being paid. I was told that after 6 years they can't chase for payment, is this the case? Back then I didn't care about my credit score but now I don't want it effecting. Any help or guidance on this would be much appreciated...
  24. Just a quick question, After a 12-month minimum term gym contract expired last month, I received a letter today from Harlands saying that my November instalment has been returned unpaid 'refer to payer' as there were insufficient funds to pay the amount due. I'm now being charged the month's fee plus a £15 admin fee. I will be in touch with the gym to ensure my contract is terminated (I'm aware it was my fault for forgetting to get in touch and terminate it, as the T&Cs do mention that they will continue taking the direct debit amount every month after until I cancel) but my question is, am I liable to pay this admin fee? Not trying to get out of anything, but I don't want to pay a fee if it's not justified. Is each extra month an extension to my contract? I'd have thought if I'm out of my contracted period and they can't take funds they'd just terminate my service.. . but then, what do I know? Any help would be appreciated. Thanks.
  25. Hi, has anyone had any successes in challenging expired vouchers (only by a couple of weeks) using unfair terms legislation. I guess one problem is that the voucher holder is not the purchaser, although I guess it can be assumed that the purchase would not have expected the voucher to become a gift to the company. To what extent does the holder have a contract (if at all) with the company. I guess there afew fairly weak arguments e.g. some companies will replace expired and some won't, this company doesn't state. The print is too small to easily read. Complete forfeit is too drastic a response to delayed usage and in no way reflects the costs a company might incur. If I thought I had enough of a case to avoid being asked to pay costs in the small claims court I'd do just because it would cost them a lot more to turn up than it would cost me. What do you guys think? Cheers Jim
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