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  1. hi, my Dad passed away earlier this year, and the executors have been compiling a list of his gifts to me for inheritance tax. I have now had a letter from a different firm of solicitors stating that they have taken over and that there are a number of transactions which "require an explanation". I wrote to the original solicitors querying this, who passed on my email to the new solicitors. Their response was that the original firm had a right to take legal advice and to employ solicitors to act on their behalf in relation to possible claims that the estate may have. They want to see my bank st
  2. Hi I have been issued with a CCJ for an amount I owed a solicitor. The solicitor didn't complete the work and didn't do as they promised me when the property sale fell through I didn't receive a bill from them so just never thought about it. I live at an address that was unknown to the solicitor but used to live with a relative. The relative received a letter from the solicitor saying they wanted money. I said, fine, but send it back with my new address. I received a letter then at my new address which I have responded to via email, offering to pay a token amount
  3. I wanted to keep this as subtle as possible so I won't put any terms in here that will trigger any alarm bells. Not sure how to go about this but here it goes! September 2016 I begin working (sorry, I mean, self-employed 'sub-contracting') as a courier for a firm who provided its services to a Fortune 500 company, 12th on the 2017 list to be precise, you know, the one recently famous for its dealings with shoddy courier companies? ....Now your getting the picture After a few months we heard said F500 company was taking "tips" from customers by default via the
  4. Rent-to-own retailer BrightHouse has been told to pay £14.8m to 249,000 customers by the financial regulator, the Financial Conduct Authority (FCA). BrightHouse will compensate customers who had cancelled agreements after one downpayment but had not been refunded. It will also make payments to those who signed up to lending agreements that "may not have been affordable". The FCA said BrightHouse had not acted as a "responsible lender". http://www.bbc.co.uk/news/business-41732865
  5. Rent-to-own retailer BrightHouse has been told to pay £14.8m to 249,000 customers by the financial regulator, the Financial Conduct Authority (FCA). BrightHouse will compensate customers who had cancelled agreements after one downpayment but had not been refunded. It will also make payments to those who signed up to lending agreements that "may not have been affordable". The FCA said BrightHouse had not acted as a "responsible lender". http://www.bbc.co.uk/news/business-41732865
  6. Apparently I'm a time waster... Well that's what BW Legal think anyway... Apparently asking for valid documents to prove an account isnt owing is wasting their time... Yep thats right - Sending of a CCA Request and i get this back...
  7. Dear All Almost two years ago received a claim from Restons for £2,500 but with no details. Filed defence requesting details of claim and made a CCA request. Cabot didn't come back until a week ago, with copies of some documents, containing terms and conditions, and copy of agreement, stating that they are now entitled to obtain Judgment. Have to see if it is genuine. I have noticed that they have not provided copy of Deed of assignment, I requested. Not sure if important? Also it appears that the authorisation of Cabot Financial has lapsed with the FCA, which
  8. Good morning everyone! I wonder if anyone could kindly give me someadvice for my next move: Barclaycard refused my wife PPI when she was hospitalised in 2011 saying she didn’t have a policy. In 2013 we found out she DID have PPI, so of course setabout claiming it back, and finding out why we weren’t given the opportunity toclaim. Barclaycard made it clear, that any payments would payoff the balance on the account (£8K) and that the account would be closed. During this time we negotiated a reduced monthly rate of paying the account, infact this was by contin
  9. http://www.mirror.co.uk/money/lowcostholidayscom-collapse-what-you-can-8488525
  10. Bailiffs from 'Can't Pay We'll Take It Away' throw car park firm out of Huddersfield site for not paying its bills A national car park firm has been dramatically evicted from its Huddersfield site by bailiffs seen on television’s ‘Can’t Pay We’ll Take It Away’ show. Euro Car Parks was abruptly turfed out of its Lord Street site and the entrance chained over. It has now been claimed that the huge international firm, notorious for giving shoppers parking tickets, has itself failed to pay its bills. The Examiner understands it has not paid the past three months rent on the si
  11. I applied to Littlewoods Catalogue via an application form way back in the 1990's. Although I have just a small debt of £160, this is now included in an IVA. The IVA has been enforced since June 2012; I've had no contact with Littlewoods since the IVA was granted. I wish to seek under I believe a section 75 request to see if there is any actual credit agreement with the catalogue company. The debt is still listed with Littlewoods and does not appear to have been sold on. Can anyone please provide me with template letters? Thank you.
  12. I have just found out my debt management firm is no longer trading saw this: RMR Financial Services Ltd, formerly trading as Compass Debt Counsellors, has stopped trading and no longer offers debt management services. The firm’s interim permission from the FCA, which firms must have if they wish to offer debt management services, lapsed on 8 March 2016. AARBS Ltd (insolvency practitioners) is holding a meeting of the firm’s creditors on 30 March 2016. RMR’s bank accounts have been frozen. This means that the firm will not be requesting direct debits from clients’ accounts and standin
  13. Over 180,000 customers of credit card firm NewDay, will be refunded over £4 million after the firm admitted it unfairly charged customers. NewDay provides a mixture of store cards and credit cards for the likes of Debenhams, House of Fraser, Topshop and Topman, as well as credit cards for the likes of Aqua and Marbles, which are typically used by those with a poor credit score. About 3% of customers are due redress of £20 each on average after the company found that default fees and other charges triggered additional charges If you're due a refund you don't need to take a
  14. Npower, one of Britain's biggest energy suppliers, will outline plans this week to axe thousands of jobs ‎as its German owner attempts to revive the company's weak financial performance. Sky News has learned that Npower will tell staff in the coming days that approximately 2,500 roles at the company and its‎ partners are to be axed. Sources said the proposals were still being finalised, with some of Npower's directly employed workforce of 7,500 at risk and the remainder of the cuts taking place at internal suppliers elsewhere in the RWE group and at outsourcing partners. Includ
  15. Surprise surprise http://www.bbc.com/news/business-35129788 But will it make any difference? No sign of it so far. I wonder what Kenneth Radley Davies Smadley Bradley Madley Mavies - their alleged in-house legal assistant and Npower's tame solicitors Wilkins Chapman will make of this. I wonder how many of Npower's victims have they frightened and bullied over the year simply in order to keep Npower's shameful dishonesty and incompetence from being revealed to the public. Of course, £26million is a drop in the ocean and no doubt their execs are all enjoying their bonus
  16. Hello, My wife (unknown to me, though not through deception of any kind understand) opened a PPI refund case with a bank via Black Pearl PPI firm. The case was against our joint bank account. Note - My wife joined the account in 2003. She (alone) signed the Black pearl forms of consent, so they could go off and make a claim against the bank. Bank has agreed to a miss selling of PPI on a overdraft which started in 1999 (before wife was part of the account) to 2007. I am wondering if technically, wife legally doesn't need to pay Black Pearl their fee based on
  17. Hi, I am not sure which section to ask this but here goes. I applied to Part ex my caravan . I needed to borrow £34120. I hadn't heard if it had gone through I had received a letter from my existing finance company thanking me for request of settlement figure. So far so good however I called the Finance company and they put me through to the new business team, They informed me I had been accepted for the loan and the amount that had been requested was £56720 and they needed a bigger deposit. I informed them I did not need that much and that I only needed £34
  18. A firm selling call blocking devices has itself been fined for making unsolicited calls to those who have opted out of receiving them. Cold Call Eliminations, based in Chichester, made calls to the elderly, including cancer sufferers. One was said to have been left "badly shaken". They were registered on the Telephone Preference Service (TPS), so should have been exempt from such calls. The company, which has been fined £75,000, refused to comment. BBC Oops
  19. A claims company has become the first to be fined under new powers after making millions of "nuisance calls", the government has announced. The Hearing Clinic, based in Derby, has been fined £220,000 following hundreds of complaints about speculative calls regarding hearing loss claims. It was the first fine issued by the Claims Management Regulator. Many of those called by the business had subscribed to the Telephone Preference Service (TPS), indicating that they did not want to receive unsolicited calls. http://www.bbc.co.uk/news/business-33788527
  20. Hi all, Yesterday a breakdown firm helped me with a flat tyre (the tyre iron failed, so I couldn't do it myself). They sorted it out, but unfortunately the driver did not return my wheel lock key, and I was in a rush so I forgot to ask before I drove off. Now I'm stuck with the space-saver for now. The breakdown firm say they've asked the driver, and that he definitely doesn't have my key. This happened on the M4, so I'm crossing my fingers that the thing is lying on the hard shoulder where it presumably fell off the wheel nut when I drove away, but if not I'm go
  21. A reader wanted to switch pet insurance provider, but was threatened with enforcement action by her current provider M&S Bank I received the renewal documents for an M&S pet insurance policy which I have had for a number of years. I decided to shop around and managed to find cover with the same benefits elsewhere for considerably less, so I decided to cancel my direct debit. Two weeks later I received a letter from M&S Insurance telling me that a “default notice” had been served. I was concerned by the tone of the letter, telling me that I had breached the terms of a loan
  22. http://www.bbc.co.uk/news/business-29536159 Keep complaining, keep fining them.
  23. WASHINGTON (AP) -- The Consumer Financial Protection Bureau sued a major debt collection law firm on Monday, alleging it is a "mill" that produces shoddy, mass-produced credit-card collection lawsuits. The bureau's claim, filed in federal court in Atlanta, states that Frederick J. Hanna & Associates has filed hundreds of thousands of lawsuits on behalf of banks including JPMorgan Chase, Bank of America, Capital One and Discover without doing even basic checks to determine whether the people they sued actually owed debts. "The Hanna firm relies on deception and faulty evidence to
  24. please advise. After searching internet for a cheap legal company to do my divorce papers, i settled on legal &Co based in Wiltshire. I have already paid for a fixed fee divorce at a cost of £460 plus another £400 for doing a consent order. They have hardly started doing any work for me when i have been shouted this afternoon 11/714 at by the case manager (john) simply for requesting an acknowledgement email for receiving my docs posted to them two weeks ago. I find the man John hyper sensitive and rude and now blaming me for rudeness. He so far as went on to say th
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