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  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. New medal unveiled to recognise the fight against Daesh READ MORE HERE: https://www.gov.uk/government/news/new-medal-unveiled-to-recognise-the-fight-against-daesh
  3. Carpetright has said it is closing 92 stores - resulting in 300 job losses - as it fights for survival under a sweeping restructure. The beleaguered retailer, which employs 2,700 people in the UK, said 11 of the sites earmarked for closure had already stopped trading. The move follows a review of its property portfolio which found 205 sites were underperforming or on unfavourable lease terms. Carpetright said it hoped to relocate affected staff - and said rent would be slashed on the other 113 struggling sites under the rescue plan. Wilf Walsh, chief executive of Carpetrigh
  4. Good Afternoon, I have seen a few posts about this here and would like to ask for some advice on my case. I joined the London fight factory gym in February 2017 and signed for a 6 month contract (£95) per month. Three months into the contract (May) I was transferred in work and to wales and could no longer frequent that gym. At the time I did tell my coach (and owner of the gym) that I was no longer going to be attending. Nevertheless, I carried on paying my monthly installments until the 6th month which was July, before cancelling my direct debit. What I didn't rea
  5. Looks like Jon Platt has been found guilty https://www.theguardian.com/education/2017/jun/23/school-holidays-row-isle-of-wight-man-loses-legal-fight-over-daughters-absence
  6. Hi, Be really really grateful for any guidance. Some years ago , -2007/8/9 we got into big debt trouble, lost our business and the only thing we were able to keep, amazingly, was a 1 bed flat in my wife's name which at the time didn't really have any equity in it so wasn't much point in selling. CAG helped enormously, RMA from Amex dropped amongst other things and over time most have stopped pursuing us. However while I know there are sadder stories out there than ours the stress added up and we also split up with my wife keeping and living in the 1 bed flat. In
  7. My PCN situation: I did not pay a PCN issued in Houslow, London for a bus lane contravention (dated 8 June 2015) in the agreed time as I was unaware of it. The first I knew of the PCN was an email from Collect Services Ltd. (13 June 2016) about warrant issued against me for an undisclosed sum owed for a bus lane contravention. I thought the email was spam or phishing and ignored it (I do not live in the area etc. and get spam from various 'companies' asking for money'.) On September 8th I was emailed a bill (again from Collect Services) for £512. I got in touch with them to ask wh
  8. Hi so, I will try to be succinct! We all know the law changed, but I didn't quite get it. I bought a car second hand, it came with a tax disk, I thought I was fine for a few months. Obviously I wasn't, I understand that, and am happy to pay a REASONABLE amount because of this. I was caught on camera on 21st December near Oxford. I was caught on my home street in London on 13th January. I was clamped on 14th of January, costing me £100 to get out. I taxed my car that same day. On 15th January I get two letters, both dated 14th January - obviously these would not be received unt
  9. Today I received a claim letter from Northampton County Court against myself. It was for 11k. The claimant is Hoist Portfolio Holding and the solicitor if Howard Cohen, Leeds. I originally took out the loan as a cahoot flexi loan i believe, who were then took over by santander and now sold off to Hoist. I'm planning to CCA Hoist, and send a CPR31.14 request to Howard Cohen. Is there anything else I should do? Also, if they send me back the documents I requesed, what could my defence be if the documents look enforceable?
  10. Hi I need some advice. I cancelled my gym membership on the 20th of May 2015 as I was moving 50 miles away from where I was living. I went into the gym, filled in the form and handed it straight back to them. I noticed in August that a group called Harlands was taking money out my account I rang them up to find out it was my gym payment. I explained to the guy on the phone that I cancelled my membership in May and that I should not be having money taken out my account. He told me to cancel my Direct Debit and that I would struggle to get back the extra paymen
  11. I parked in a car park in Lincoln the barrier was up on the way in with a sign that said "public car park now open", no mention of pay and display or anything like that i assumed it would be a pay as you leave car park. When i went in, i did press the button on the machine by the barrier and assumed it would give me a ticket but it didn't, i even pressed the button and waited for a response which never came. I parked anyway when i left i had a ticket and discovered that the car park is pay and display. Where i was parked you can't see any pay machine
  12. Hi all. Need some advice, please DH had an Egg credit card and we defaulted during a rather dark period of our lives. The account was passed on to Bryan Carter who took him to court in Jan 2011. We didn't contest it or turn up to the court date (which wasn't in our local court, but some 200 miles away) and a Charging Order was placed on our property. We're currently trying to sort our financial affairs out as we want to move next year. The "amount owing under judgement or order given on 18 June 2010 by the court, together with any interest becoming due and £268 the costs of th
  13. Hi, I'd really appreciate some advice on how best to tackle Ladder Loans. In summary I borrowed £2000, have missed a few payments but even so have paid them more than £4000. I'd now like to know whether a full and final settlement is the best option, or whether I can fight this and pay nothing more The details are as follows: 1 - Ladder Loans is part of Inventive Finance Ltd, which I've found out runs a network of payday lenders. I was offered £2000 in July 2013 on an 18 month repayment schedule 2 - The APR per annum is an eye watering 299%, meaning that according to
  14. Hiya, Bit of a complex one, Got an account with Halifax that went into many problems - mainly system problems that caused the account to disappear, lose address records etc but it also lost my overdraft and was therefore moved to debt collection while I was in complaints process with them! Due to illness and a death in the family a few months passed and I did not hear back from Halifax. I then recieved out the blue a letter from MKDP saying I owe the account balance I gave them my complaint reference and re-wrote to Halifax who said they will get back to me
  15. Last year around May June I switched bank accounts from Barclays to Santander. I changed all the direct debits over myself (yes i sat on the phone for over an hour but was so paranoid about something going wrong if i left it up to the banks to do so for peace of mind I did it myself). Turns out I shouldn't have bothered! The only 1 that I had a problem with was United Utilities. I received a letter early September, followed by a phone call the same day saying I was in debt of around £120. My direct debit had apparently been cancelled by the bank. No chance I sai
  16. In May 2009 me, my wife and newly diagnosed autistic son moved to our new house in East Anglia. My wife decided it was a new start and we should by everything new. We had always had leather suites before and although not expensive we were always very happy with the way they cleaned up so we decided we would get a good leather suite. We shopped around for a few weeks and decided to go with the Emperor suite from DFS 1x manual recliner 3 seat sofa 1x electric armchair recliner and 1x pouffe plus a couple of coffee tables it all came to £4050.00 in the sale so we knew we had a good quality
  17. Thought this may be of interest to others its from the Evening Times Article: http://www.eveningtimes.co.uk/news/driver-wins-landmark-fight-over-bus-lane-fine-132374n.21791364 Colin Mackenzie was issued with the fixed pen­alty ticket in January for driving in a bus lane in Maryhill Road at Bisland Drive. But he argued the sign was misleading - because it showed the bus lane in the wrong part of the road. The 56-year-old, from Bearsden, who took his case to the parking adjudicator, has now received a letter from Glasgow City Council telling him his fine has been withdrawn
  18. This is the link to this article: http://www.eveningtimes.co.uk/news/tenant-wins-extra-150-in-deposit-fight-129899n.21525792
  19. An investigation by The Times into Lloyds Banking Group has found contractors employed at its largest PPI complaint handling unit were taught how to “play the system” to the detriment of clients. An undercover Times reporter went through the recruitment and training process to work as a PPI complaint handler at Royal Mint Court in London. According to the paper, the reporter was told: • Some bank salesmen had faked PPI information in agreements on loan sales; • Complaint handlers should effectively turn a blind eye to the risk of fraud; • The majority of customers would g
  20. Hello I apologise for the length of this post. It outlines my issue and has text from both the Ombudsman and Natwest's reply. I am hoping someone can advise me of the content of a reply to the Ombudsman in order to support my case. I took out a Natwest CC in 1997 and associated PPI. At the time, I had unemployment, sickness and accident insurance already in place with another party which would have covered me. I contacted Natwest who turned down my claim. I contacted the Ombudsman who at the end of April basically said they were recommending the complaint is upheld citing the fa
  21. dos any one know about subrogated mortgages and if the banks have to comply with a high court order made against a adviser in lincolnshire. were a mortgage had to be subrogated to the rights of the bank on a mortgage
  22. More power to the peoples' elbow http://blacktrianglecampaign.org/2012/12/06/camerons-declaration-of-war-on-disabled-people-is-an-invitation-to-fight-back-gina-ravens/
  23. Hi. Over the last two years I have been fighting it out with Santander and Paypal, and I am coming to the end of my tether... I will start at the beginning. Shortly after joining paypal I noticed that for some reason PayPal were telling me that small transactions had been completed when I had no money in my bank. This struck me as odd (as it had never done this before). So I made some massive test purchases (about £7000) although they were declined I still cancelled them instantly (just incase anything had gone through and I recieved any goods). The next thing I know is S
  24. Hi. Over the last two years I have been fighting it out with Santander and paypal, and I am coming to the end of my tether... I will start at the beginning. Shortly after joining paypal I noticed that for some reason PayPal were telling me that small transactions had been completed when I had no money in my bank. This struck me as odd (as it had never done this before). So I made some massive test purchases (about £7000) although they were declined I still cancelled them instantly (just incase anything had gone through and I recieved any goods). The next thing I know
  25. Join Sharkstoppers and Help Fight Back Against Britain's Legal Loan Sharks: Your Campaign Pack Today Ed Miliband, Leader of the Labour Party, and Tom Watson, Deputy Chair, joined me and over a hundred campaigners from across the country to launch our campaign pack to help communities fight back against the damage Britain's legal loan sharks are doing to our country. This Government has so far refused to act to tackle the high cost credit companies who are pushing families into crippling debt across Britain. But that doesn't mean that we can't take measures to protect them and h
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