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Found 213 results

  1. Hi, I had an agreement with MBNA where they would hold all interest, as long as I paid the debt off within 10 years. The amount owing was divided up in 120 months (10 years). However, in the mean time, they have decided to sell the debt, at the same time as our financial situation has changed. The monthly payments are now less. They write to inform me that I am in arrears. The DCA have said the following, is this right does anyone know?? The payment was set by MBNA, based upon, I assume a previous Income and Expenditure form at the point of being 'charged off' which means no further interest is applied to your account but it does mean that this is your 'normal monthly payment'. This can not be amended now as it was sold on this way. It is also less than the 5% normally applied to credit card accounts. And so, we are happy to accept your offer of payment but as it is does not meet your contractual payment the arrears will continue to accrue. We have a legal obligation to reflect accurate data to the Credit Reference Agencies, which also includes arrangements, missed payments and arrears and so your data entry at the credit reference agency will be updated with this information.
  2. I hope for your help on how I should apply the Central London County Court to Enforce an Financial Ombudsman Final Decision using form N322A? I am a Danish pensioner, living in Denmark, on 28 March 2018 the Financial Ombudsman Service (FOS) made a Final Decision in my favor regarding my complaint against Abshire-Smith Global Ltd., 26 York Street, London W1Y 6PZ, which I accepted. However, the business has unfortunately not complied, i.e. paid me the required amount (GBP 84.833, incl. 8% interest and a GBP 750 compensation awarded by the FOS) within 28 days of me accepting the FOS Final Decision, as they were ordered to by the FOS, despite many reminders from the FOS and finally the FOS reporting the business to the Regulator (the Financial Conduct Authority), but all in vain. The FOS has therefore advised, that I can apply the County Court, nearest to the business, in order to enforce the ombudsman decision (see the attached FOS Consumer Factsheet "enforcing an ombudsman decision in court"). I therefore informed the business that I would now proceed to the County Court unless they complied with the FOS Final Decision - and thereby also saving the business the considerable court fee. However, as I did not hear from the business I sent my application by email (Enquiries.centrallondon.countycourt@justice.gov.uk) to the Central London County Court on 25 Oct. 2018, with all required documents duly completed incl. Form N322A, but less court fee (I requested the Court for information on the court fee amount and how to pay it). I received an automated reply, that I would receive a answer within 10 working days. However, 10 working days have now passed and I have not heard from the County Court, despite sending them a reminder last week. In the meantime Adam Neal, the CEO and Founder of Abshire-Smith Global, has sent me an email informing "Please note we have the option of a judicial review, which is what we are requesting". They have said this before to the FOS shortly after the FOS Final Decision, but apparently it was just a threat and I also believe they should have requested for a Judicial Review within 3-4 months of the date of the Final Decision, so it's properly another delaying tactic? I have, therefore, asked my contact person at the FOS, the Adjudicator,for information on what the Judicial Review means and how I can know if the business has actually applied for this, if the Court accepted the application, the processing time and whether I will be informed of the outcome. Apart from informing me she will inform me "shortly" I have not heard from her again in over 2 weeks, despite my reminder by email. I therefore wish to proceed to enforce my FOS Final Decision at the County Court, but how should I proceed, as they do not respond to my emails? I hope you can help me? enforcing-an-ombudsmans-decision.pdf n322a-eng.pdf
  3. I had an agreement with Marston to pay off a fine due to an untaxed vehicle being on the road. Received my student finance last week not realising it was being paid into a different account. Agreement broke on the 13th of Jan due to the missed payment. I had made an initial payment in december. They noted missed payment on the 15th Jan Today (16th Jan) a Bailiff from Marston arrived. I was asleep but another family member was arriving home from work and saw them. They put a Final Notice letter through the letter box. £235 enforcement stage costs and £75 admin fee have been added. It says "Despite previous notices and attendance(s) I shall attend to take control of goods and remove for sale by public auction: ONE MORNING THIS WEEK Besides trying to arrange a payment plan, is there anything else I can do? This has already caused me to have a panic attack and things are hard enough as it is. I'm currently receiving help from a psychological therapist for anxiety, low mood/depression, I am on antidepressants and also receiving counselling from my university counselling team. I did note I could inform them of possibly being a vulnerable person but I am not sure if things have escalated too far or not.
  4. Hi, I received a Final Demand from VCS re stopping in a no stopping area to pick someone up. To date I have not responded/acknowledged any letters that have been sent. Having looked at some of the threads am I correct that at present there is nothing for me to do or worry about?
  5. I was an Iresa customer before they went into liquidation and have just received a reminder from Octopus that I did not deal with their email about my final Iresa bill. I have now dealt with it but I am concerned that others might have just accepted the figures given without checking or being able to check them. The initial final bill showed us as being in debt to the tune of £89.01. I knew that this was wrong as we had always been in credit. I saw that Iresa had estimated our gas usage for the last month (July) at 55% of our annual usage. That massive over estimate seems very suspicious to me! However, I contacted Octopus and challenged the estimate pointing out where the error had occurred. I then received an amended bill showing a credit of £49.99 and some figures to justify this were included. This still seemed wrong so I sat down with the meter readings and bills and worked out my own estimate of the correct figure. I am no accountant and I struggled with the figures but, eventually, arrived at a figure that I sent to Octopus with an explanation of my calculations. I have now received a new final account showing a credit of £305.39, a difference of £394.40 from the original bill. Octopus admitted that they had made an error in their calculations and apologised for doing so. I have no doubt that the errors by Octopus were innocent ones but there was clearly no checking of the figures being produced. I was able, with difficulty, to work out where the errors had occurred but I know that many people including my wife and in laws would not have been able to do so. I am concerned that there seems to be no (or completely inadequate) protection for customers caught in circumstances such as these. It is unfortunate that I did not see the original message from Octopus and dealt with it earlier. I doubt that raising this here will help anyone but felt that I had to do so just in case someone else has found themselves in the same situation as we did.​
  6. Does anyone have experience of challenging the 20% discount repayment for Right to Buy terms with a local council in the final six months of the five year no move rule. There is a proviso written in the contract that says in exceptional circumstances they will waive this. Would anyone know what these exceptional circumstances might be, or if there has been a successful challenge. I have been told it would be too costly to ask and I would be unsuccessful if I engaged a solicitor to do this hence my post to clarify this would be the case. Thanks in advance.
  7. Unknown warrior from World War 1 given final resting place READ MORE HERE: https://www.gov.uk/government/news/unknown-warrior-from-world-war-1-given-final-resting-place
  8. I have a couple of debts I am paying monthly to dca' s , balance on each about £550. I have some money coming to me. Even though I am repaying by arrangement, could I still make a full and final settlement offer to clear them?
  9. Hi - first post. https://www.consumeractiongroup.co.uk/forum/showthread.php?485544-VCS-windscreen-PCN-Scotland-Disabled-Badge-on-floor-opps-i-have-told-them-i-was-driving-help Have received today exactly the same letter as post 52 above, relating to an alleged PCN in Dundee on 7 December 2015. I have a vague recollection of there being a PCN in the location a long time ago but am sure I haven't had any reminders since, so it's odd to have this final demand before court action 2.5 years later. Maybe the Carly thingy case has got them excited, as they mention that although it has no bearing on what they're written to me about. I assume I ignore?
  10. Hi all, Hopefully someone can help/advise. My other half has a couple of debts (mail order) on his Credit ref file which total £2.7k they are causing an issue on his file due to the amount (apparently), he has been paying them back at reduced interest free amounts for 4 years now and seems to be getting nowhere as the repayments are £13 and £20 per month. Is it worth making an offer for them to write off the debts if we were able to pay a certain amount? Is this do'able? and are they likely to accept at all? My family have offered to lend me some money to do so but its nowhere near the full amount - i just want his credit rating to improve as there is nothing else untoward on there. Thank you in advance... Maudy
  11. An ajudicator made a decision to uphold my case 4 years ago, however the business appealed the decision. After constantly chasing the FOS over a period of 3 years and numerous missed deadlines, six months ago an ombudsman made a provisional decision again in my favour, however I was stripped of costs which the adjudicator had awarded. To date, no final decision has been made, and the pattern of broken promises for deadlines, and constant chasing them for a final decision is still ongoing. What can I do to get them to make a final decision after 4 years of the stress of this case and struggling to survive financially?
  12. Hi Guys, I am new to website. But i have really big problem with hsbc. let me explain. I have small property investment business. Due to this when we pay some of builders they take out money without my authority each time i have to cancel my card and bank sent new one this things happen 7 to 8 times we told number of time banks about this and finally came to point when we thought its best to close a/c and all matters. At that time i have one credit card, bank a/c and personal loan on my name. Bank has closed current a/c and credit card straight way but loan they told me if i can not afford to pay they will keep open as it is and i have to keep paying them monthly arrangement. i have setup arrangement with them by direct debit and till date everything upto date i did not miss any payment. During december time my father passed away and i have to go out side country, during this period hsbc suddenly decided to close my loan a/c they sent out letter which i was not aware. After few days later another letter came for default notice and final demand. I came back last week and i have seen these letters. I been told by HSBC staff not to worry and they will sort out everything . I been given collection number which i called number of time but they have given one answer as my loan account is active and its up to date. Letter i received from hsbc clearly confirmed they will pass my details to credit reference agency and it will affect my credit rating. I have made full payment to HSBC but they refused to do anything. I have explained them as i was out side country and i did not received any phone call but they did not listen. As well they have notes on system march 2017 confirming person previously dealing in back office (customer relations manager) place note confirming account keep open and customer will maintain monthly payment as agreed when opened loan account. HSBC in march 2017 told me they will keep my loan a/c opened as far as i will keep paying my instalment but in december they have decided to close my a/c. Branch even give me wrong information as they told me nothing to worry my a/c is up to date and no action required. I really need serious help as my business on credit and if something goes against my credit file it will be end of my business. I need serious help as bank not helping me out at all neither branch already made complain to bank but i am not hoping any good response.
  13. I am looking for some advice dealing with the DCA chasing after an alleged debt they say I had with Npower. I paid every month by direct debit and as far as I was concerned all paid off and sent the final meter reading on the day I moved out. I called them few months later and was told what the final bills was £36 and paid off. Now a DCA sending letters, but the company name is Npower Northern which I have never known. My bills had the name Npower and not Npower Northern. Have they changed names? How can there be an outstanding amount when paid by monthly direct debit ? I have read so many posts regarding their incorrect bills. I am going to call them today and send a SAR request and start the process from there. It is so unnecessary that we have to do this as when we pay every month and trust them to send correct bills.
  14. Can some one please help. I have received a final response to the letter that I sent to GE regarding my PPI payments on the loan that I took with First National Tricity Finance in October 1999. I have the agreement and I know I paid £155.00 as a lump sum. Single premium. Santander was saying that I should have checked the PPI. However, in 1999 I did not know anything about PPI, and also I was told that this formed part of the deal. In order to continue with the loan I had to take this so I did. Has anyone able to claim an PPI from Santander please? Many thanks
  15. Hello, I have credit card debts that are unsecured. They are with debt collectors including Cabot, Robinson Way, Moorcroft etc. I cannot describe to you how down I have been. I can hardly lift my head. I don't answer my mobile they keep phoning. A family member may be in a position to assist but she wanted to know how much in total would be required for a full and final. If we paid, would that be the end of it? These debts are years old and my bank account (basic) shows my balance is very low with missed payments. What is the minimum % they will accept? Do they all have to take the same percentage? I would love to be able to sleep again without feeling so sick. Thank you.
  16. Hello, I was recommended to post on this site and time is also not on my side! I appreciate any input and advice, thank you a) I went insolvent in September - since the date, I went to the HSBC branch with my wife to remove my name from the joint account and sign over responsibility to my wife as a sole account holder (including overdraft £900 and joint consolidation loan £326p/m on 18k). She did IE sheets and was telephoned across, approved, and we signed. The joint loan was part of my bankruptcy I understood it that my wife would take responsibility of that, hence going to branch and doing this. b) Since then, she was issued a final demand notice out of the blue, claiming default on arrears (there are no arrears, never have been) and 18 days to settle balance in full (£18k). No mention of any BR, just a final demand which is inaccurate in it's detail for the reasoning - and as it transpires, resolving it. c) 3 days of calls, and about 5 hours of speaking and on hold between departments because nobody seemed to know what was going on, we were told by the Financial Guidance Team to do nothing, let it ride out as they needed to charge off the account because of my bankruptcy - they'd even refund the latest payment which was automatically made after this demand letter. But doing this, of course would result in a default marker for my wife. and the recovery department would be in touch to collect the debt. Not knowing who to believe, I was passed to the 'insolvency team' who told us that my wife must get back in touch with the Financial Guidance Team, do a I/E and set up a repayment agreement BEFORE the 18 days. Needing clarity, and being frustrated at being told different things between departments (as well as being emotionally crushed, not to mention the psychological damage of listening to that HSBC hold music), we went to branch to have someone work with us to resolve. She made a call to the department on the final demand letter, who also said - get in touch with the Financial Guidance Team to do an I/E and set up a payment plan, if she does that then the default will not be passed to the CRAs. She put us in a room to make a call to the Financial Guidance Team, but then the whole fiasco started again... d) The Financial Guidance Team are adamant that they will not allow a payment plan. One guy we dealt with even went through a I/E with my wife but then came back after speaking to his manager, sorry, actually, that this isn't possible. I have spoken to the Manager who also insisted that it simply is not possible to set up a plan because of my bankruptcy, the account needs to be charged off. Period. I have argued that this goes against the terms of the loan in that she has not had the opportunity (actually denied!) to resolve this and she is being forced into default unfairly. The original contract has a clause about calling in the loan if bankruptcy happens to any party, but there is a line also that states that such action won't happen without notice and an opportunity to resolve, which is what I believe is being blatantly breached here. The manager raised a complaint for me - I have the reference number and intend to follow this up with my version not knowing what the complaint that he has raised references. Even after I spoke to the manager (who I suspected had either got this very wrong or has is own agenda), I asked to get put through again to the insolvency team again, who again stated the same - 'speak to the Financial Guidance Team' and get it sorted before the 18-days! Stalemate. My final call with the Financial Guidance Team yesterday, I spoke to a very nice woman who looked into everything and took it upon herself to speak between departments, not me, and get back to me. Her news: anyone who has told me that you could set up a payment plan is incorrect and has probably not understood that the final demand was generated because of my insolvency (even though the final demand says nothing of the sort - it even gives a reason it has been sent which is due to previous notice of arrears [not true]).. . the insolvency team I was repeatedly passed to was the 'wrong one' based in India, not in Birmingham... and apologies for the mix up but 100% we cannot set up a payment plan, the account needs to be charged off and your wife will have to speak to the recoveries people after. e) So what now!!? For our efforts, we are totally unable to resolve this through a payment plan, it's 18K or default. I have a complain reference number. They say that expect about 4 weeks for a reply to the complaint but maybe up to 8. I understand that I cannot do anything with the Financial Ombudsman until I have a reply (or 8 weeks). To recap - my issue is that my wife is being forced unfairly into default with every effort and the ability to repay with amounts of the original agreement. a black mark on her credit reference with a default. Plus, we have no idea even if there is no escape from this situation, what demands will be placed by the recovery department (i.e. currently the loan is 60 months at £326 p/m). But then, if my wife has a black mark anyway, what options are there for her to make a reduced offer or anything of that nature? We're in territory that we didn't expect and don't really understand. Perhaps naively, we expected the burden of the joint loan to simply fall on my wife, not being called in with a £18k demand. I'm also unsure what to do in the interim - if I'm raising a complaint, do we get any period of grace here - do we commit to whatever collections dept gets in touch after, or hold them off? Any help is very very very appreciated - our 18 days is up on 3rd Nov, and we've wasted a week speaking to them on the phone and getting absolutely nowhere! Thank you
  17. on the 18/05/2017 i received a parking charge through the post asking for £100 because 28 days has elapsed since they gave me ntk this wasn't true i sent them a email the same day told them what happened and i didn't received any ntk. the 9/06/2017 they send me a letter rejecting my appeal but reduced the charge to £60 if paid within 14 days. i refuse to pay and on the 6/09/2017 gladstones solicitors start bombarding me with letters to recover a total amount of £160. on the 20/09/2017 the send me another letter now they say its a final reminder after that then court. date of infringement:03/04/2017 date on the ntk: never receive one parking charge-keeper liability:18/05/2017 and it mention schedule 4 yes one photo the parking company is parking control management ltd official body ias i wrote a lettre to them i told them exactly what happened that day, i was very sick i had a panic attack and i was suffering with a severe anxiety i couldnt carry on driving i had to stop i felt dizzy i pulled into a the first space i found, it was in the pavement left my car because i had a bad panic attack 20 minute later jumped again into my car and drove home. i send the my psychologist details to confirm i was sick told them i wasnt working and under medication. i went back today took some pic the signage was very very bad impossible to tell its a controlled parking. they refuse to cancel the tickets i have 5 kids i just comeback to work partime i cant pay this fine.
  18. Final resting place of a Yorkshire born WW2 soldier killed in the 'Bridge too far' Battle of Arnhem is finally marked after almost 73 years READ MORE HERE: https://www.gov.uk/government/news/final-resting-place-of-a-yorkshire-born-ww2-soldier-killed-in-the-bridge-too-far-battle-of-arnhem-is-finally-marked-after-almost-73-years
  19. i have been sacked from my job the employer is refusing my final wages, i had been working for the company for 3 months, i was still in the probationary period, the company acused me of stealing cash ( 7 pounds), this is a lie, the area is fully covered by cctv, I had a dispute with one of my co workers a few hours later he telephoned the manager and claimed i stole the cash The next day i arrived for work and was sacked on the spot, they said they have the right to do this as i was in the probation period, i didnt argue as i hated the job and my workmates The company hires and fires workers every couple of months, in the last 4 months, 15 people have either been sacked or resigned I am due £1400 of final wages, the company is refusing to answer the telephone and ignoring my emails, what can i legally do? I went to my workplace last week to see if we could resolve the situation, but they were very rude and told me to get lost I do not want to let the mater lie the company has treated me very badly, every month my wages were late, i have never recieved a payslip, once i worked 9 days in a row i was forced to work 16 hours told if i didnt work i would be sacked Apologise if i have posted in the wrong section, thanks for reading
  20. I have a CCJ from BW Legal / Lowell Portfolio that I was issued 2 years ago. It is for around £2000 from an old credit card debt. I'm not sure if there were any PPI payments made for the card, but there were probably some 'unfair' charges on there. I'm pretty skint at the moment, I'm trying to get a business off the ground can't get any funding due to this CCJ (my credit is fine apart from this). I'm thinking of offering them maybe £200-400 as a full and final offer, I wondered if anyone would be able to answer a few questions first... How likely is it that they'd accept 10-20% as a full and final payment? Would this mean that the CCJ was marked as 'satisfied'? Would this actually improve my credit score? Thanks, for any help.
  21. Hello BWlegal has sent a letter dated 14th August 2017 requesting a final payment from me. I see that the debt they refer to is a closed account on my credit file and the last record on the credit file was from T/A Payday Express, (and recorded by them) showing as 'satisfied ' default assigned in January 2017. I have not paid any monies toward the debt which had a default registered from 2013 until January 2017. There have been no default notices recorded after January 2017. I have letters from Payday Express and Prac dated April 2017 saying the debt was assigned in December 2016 to Prac who use BWlegal. I hope the above is not too confusing, I do want to resolve the issue but is bwlegal entitled to be asking for payments from me? Look forward to your responses
  22. My late mother had dementia. She was also quite secretive so I knew nothing of this story until just prior to her death. She owned a property and ran up large debts and was sued by the department store's legal dept. They appointed golden boys Restons who succeeded in getting a final charging order on the property in 2012 following a CCJ in 2011. She paid £67 per month until her death last year. The property is in the process of being sold but a lifetime mortgage has to be paid off first. Unfortunately Restons are being tardy in processing relinquishing the charging order but... The value of the debt is greater than the balance of the sale price after the mortgage has been paid off so what happens next? Is it down to Restons whether the charging order is waived at all or can they say no sale thanks? Can they insist that the whole debt is paid first before relinquishing? Does the balance become unsecured debt? Is there any come back on Restons if they refuse to give authority to relinquish the CO. Restons' client doesn't seem to want to know and if you have tried to get in touch with Restons then you'll know it is a total nightmare!
  23. I am going to make full and final offers to my creditors since a relative will lend me the money , when I send the offer in do I have to name the creditors or can I do creditor a .b . c etc showing their share and also what is a good starting point I was told start at 40% of the total
  24. An ex employer (well known supermarket)wants to reclaim £87 which it claims it over paid me. A little back ground information .. . I left after receiving a large bill from the tax office of just under £1700 as my employer had not been deducting the money from my wages, something I should have noticed I hold my hands up the that. When I joined them I was placed on emergency tax correctly then the code changed I thought it had been sorted. What they failed to do was take my pension into consideration when the code was set. They were made fully aware that I had retired from the fire service and was receiving a pension. After receiving the tax bill 2015/16 which i obviously had to pay, I still face another for 2016/17. ..my position with the supermarket had become unworkable so i left. I feel very agreived over the tax bills and now the supermarket are chasing me for £87 they claim they over played me in my final salary, via their solicitor! Should I pay or let them take me to court?
  25. Hi all I have today received a letter and discovered that my 20 year old son has debts totaling nearly £2000 which Marston say are for unpaid fines for not paying for several train fares after getting caught with no ticket. The letter says their client is "HMCTS Manchester". I called Marston and they say they will attend my home tonight and unless I can prove with receipts items are not mine they will take them as my son's and I will have 28 days to prove they are mine to get them back. My son lives at home and has nothing and all items such as TV etc are mine and not his. How can they taken them?! It doesn't seem right. Is my car at risk as well? Should I move it and hide it? It's in my name only and has nothing to do with my son. I know that the HCEO can't break into my house but can open via an open or unlocked door so I won't be answering when they call but I am still scared. Please can you help?! Thanks in advance.
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