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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. 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 Fi
  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
  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 suspici
  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. Hi, I’ve been on a DMP with StepChange for 10 years and have never missed a payment. I still owe 12k but have been offered 5k by a relative. What are my chances of getting this accepted as a full and final settlement? The companies and amounts involved are two accounts owing 5k to PRA, one with 1400 to Link and one with 700 to Westcott. Only the Link debt shows up on my credit file. Advice appreciated thanks.
  9. 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?
  10. 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
  11. 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
  12. 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
  13. 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
  14. 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
  15. 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 th
  16. 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
  17. 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 goi
  18. 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 the
  19. 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
  20. 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
  21. 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 th
  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...
  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
  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
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