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  1. My first time, so hope I am posting this in the right place? I've got a judgement set-aside against (hey!) Hoist Portfolio regarding an old Barclaycard debt (last payment made August 2011). Judgement was yesterday afternoon (6/11/2017) and now I have to launch a defence regarding BC mishandling of my original offer to settle in first quarter 2012. they ignored all communication from my solicitor and sold the 'debt' on to MKDP without telling us anything about it. Being that BC owed my nearly £8k in PPI at the time, (this was pointed out by my solicitor) and they went on to
  2. Charity removed and trustees disqualified following terrorism investigation READ MORE HERE: https://www.gov.uk/government/news/charity-removed-and-trustees-disqualified-following-terrorism-investigation
  3. Does lending money to a friend create a legal contract..
  4. Could anybody help by suggesting what reasons a bank as defendant could apply for Strike out and or summary judgement for a court claim issued by a depositor as follows. Claimant opens a fixed term savings account online and deposits by debit card. The bank adds interest and after the term ends, the claimant writes a letter of instruction as the T&Cs require asking for the money back by cheque as the bank can pay by cheque, FPS etc. This is refused, claiming fraud, signatures does not match (bond was opened online so didn't get a signature at the time) etc. What excuses do
  5. Hello, I am having some problems with council tax. I may not need to go into the background. My question is very specific: If I am sent to prison for non-payment of council tax, will the council still be able to enforce the council tax debt after I have served the relevant sentence? If anybody knows, I would be very grateful for confirmation of the legal position. My understanding is that while the debt remains in existence on paper, enforcement is barred once the prison sentence is served, however I'm not entirely sure this is correct. I have also seen cases
  6. Long story short, 18 yr old son purchased a brand new car in October and as part of the deal the dealer offered him £2300 for his PX without seeing the car but I assume they ran a valuation on it and HPI check etc at time of quoting the PX figures etc..... This week my son has just received an email and recorded letter from the dealership headed final before legal requesting he pays £500 to the dealership as the PX only fetched £1800 at auction as a consequence of the car having apparently been written off under Cat D damage that my son had no knowledge of having bought the PX privat
  7. Hi I've just got a letter from HMRC regarding tax credit checks saying that they think my payments maybe wrong. I am on JSA and due to mental health problems applied for PIP taking the advice of my support worker. They want to see all my details,proofs of children living with me and proof of all my job searches since September. There was no change in my circumstances.The only change is my eldest turning 18 in January but continuing non-advanced education. They requested my details from 05/04/17. I have almost all the information they are asking for but receipts of spendings. S
  8. 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
  9. Hi All, and any advice on this would be gratefully received. We have a mortgage and a second charge on our house. The second charge was to cover a business loan. Now, this situation has been on going since the 2008 crash and we have been unable to repay the second charge and given other circumstances I know I will have to go bankrupt to get out of the situation. However, we are still in control and I would like to take the following course of action is it against the law and what would the implications be if any other than what I already have described. If we say for
  10. I went off sick from work mid Feb 2017 following several meetings with my managers regarding increased workload (we had a mass increase in patients - in the hundreds!), not enough manpower or hours to cover the workload etc. I was also prohibited from working overtime and so were my staff (I am a Practice Manager working in a GP Practice for the last ten years with an unblemished record) and eventually I started slipping behind in my work as I was unable to keep up with increase and very little was being put in place to support myself or my staff. Hence I could not cope with the stress and we
  11. If you are self-employed and you are owed money from a company (construction) for an unpaid invoice and you start court proceeding's can they close the company down before it gets to the court date and if they can is their any way of stopping them doing this Thanks
  12. The following is from the BBC News today: http://www.dailymail.co.uk/news/article-4057088/Car-clampings-double-tax-discs-axed.html
  13. I haven't been able to find a link to the actual decision, but an Upper Tribunal has apparently now decided that 'cannot follow' means both cannot because of some physical or intellectual disability AND cannot because of e.g. anxiety, thus clarifying whether all of the descriptors can apply to conditions such as agoraphobia. There were previously two contradictory decisons on this subject, and of course DWP guidance reflected the most restrictive so people with agoraphobia who were able to leave the house could only score a maximum of 4 points and were therefore being denied any rate of m
  14. I have mentioned before on the forum of the dangers that debtors face when they visit popular 'social media' sites and apply to join 'closed groups' that claim to offer advice to anyone who has received a letter or a visit from a bailiff. These sites profess to help debtors. Don't be fooled. In the case of this particular thread, the social media site page in question has one aim only and that is to ensure that payment is never made to a bailiff. That is their overriding aim. Debtors joining these 'closed groups' wrongly believe that what they post remains a secret. It does not. A
  15. Hi, I am an employee on a Zero Hours contract. I work with Mr. X and had to take him to court and won the judgement. The 14 days deadline has passed and he is yet to make payment. I have a question about how to approach the working environment with Mr X who I took to court and was awarded the judgement which hasn't been paid. The case took two years to go to court during which time I had to endure being harassed at work. Before the court case, I sought Mediation to avoid court action and complain about being harassed. The meeting was held by my line Manager at work who ch
  16. Hi All Is there a difference between a court hearing for Possession and / or Repossession its probs a silly question and I know the answer but I ask because I have just recieved some paperwork re my court appearence on Monday 6th Dec, hence the title O M G. Mr Very Worried at the momment however I am sure that will change in the next few hrs.
  17. I am writing on behalf of one of my neighbours in my block of flats, as I am already registered with CAG. Following the exceptionally heavy rainfall a couple of years ago, my neighbour had a lot of damage in her lounge which needed repair. She had Designers Guild wallpaper on her walls - this was an expensive product. The managing agent is treating her in a very odd way. The firm is refusing to acknowledge that she had the expensive wallpaper and are trying to palm her off with the barest minimum work. Apparently someone they sent over gave her a rock bottom quote including the supply of w
  18. 'Just before Christmas, the Government announced a consultation on the Personal Independence Payment (PIP) process, in particular on aids and appliances in the context of the PIP daily living component. Aids and appliances, such as wheelchairs and walk-in showers, help people live independently. This is only two years after the introduction of PIP to replace Disability Living Allowance, so has the Government suddenly found out that it doesn’t work? Do the 105 claimant cases that the Government’s consultation is based on really reflect the 611,121 current PIP claimants? Apparently s
  19. Hi Guys I originally joined CAG about seven years ago to seek advice after being sued for a personal injuries claim. Judgement was made by default - court papers being sent to a previous address by recorded delivery and not received by me, so I was unable to defend myself in court. My subsequent application to set aside was dismissed. Quantum hearing was heard in August 2009. An oral examination was also conducted as to my means. It was evident that I was not in a position to pay and I offered £1.00/month. This was considered "unacceptable" by the Judgement Creditor and I
  20. Hi, I hope you can help me. I posted a negative review on a website of a removal company. That company is now threatening me with defamation and false accusations unless I remove the review. I instructed the website to do this via email (I have no other means of contact) and copied in the removal company contact. It states, however, on the website that it can take up to 7 business days to remove the review and, after 6 business days, the review is still there. Note I am not able to remove or edit the review myself. I explained to the removal company that I cannot remove the review and t
  21. http://www.independent.co.uk/news/uk/giant-house-spiders-are-invading-british-homes-following-wet-and-warm-summer-10467050.html
  22. THE DVLA is to overhaul its new computerized system for driving licences following chaos as holidaymakers tried to hire cars abroad. Last month, when the UK scrapped paper licences, drivers had to access the DVLA website and obtain a code to prove they were legal to drive, yet the code was only valid for three days. This left drivers trying to hire a car more than three days into holidays having to search for somewhere to get online or run up roaming charges by connecting from mobile phones, leading to a flood of complaints. Now the DVLA has announced it will change th
  23. i wrote my car off in an accident on 14th feb i admitted fault but insurance keep saying they are waiting for a police report before they pay out. I am still paying finance on the car and monthly insurance installments. how can i get them to speed things along everytime i phone i get a different story.
  24. I wonder if anyone could give me some guidance......... A relative has been involved in an accident while using the vehicle for 'social, domestic or pleasure'. Following the accident they have studied the policy and noticed that it did not cover business use which the last policy did as they use the car for minor diy jobs. Having used the car for business during the current policy, but was using it for pleasure on the day of the accident, is the policy void? If the insurance company was told the vehicle was used for business previously are they likely to void the policy? Having read
  25. Hello I moved into a HMO approximately 6 weeks ago. I am a mature student and everybody else is a professional. It's a big place with about 10 people in total. I was speaking to one of my house mates (Josh) who told me that the landlord is crap and never carries out repairs. Josh has lived here for 6 years and he hates the landlord. He told me that he went 3 years without hot water, despite asking for it to be fixed - this was eventually resolved with help from the CAB. He also told me that although the boiler was recently checked, it hadn't been done for 3-4 years prior. Whenever t
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