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  1. Hello, I've found that I had kept every bank statement from mid 1980's to 1998 with Nat West. I had a couple of mortgages, several loans and what appear to be excessive bank charges, I will send an SAR, but it is likely that I have more information than they hold, unless they're very good at archiving. During the course of reading each one I found various bodies who had received money regularly from me, but I don't have a clue who they were/are, some seem to be directly connected to the bank account. I would appreciate any help with identifying the following, I have tried g
  2. Took delivery of a brand new E-Pace and initially all was good until 6th June was drive on a dual carriage way and the front collision detection system triggered incorrectly. The car was bought to a stand still, the hand brake applied, and engine switched off, no vehicles or obstruction in front of car. Luckily the lorry and car behind our realised there was a fault and avoided a collision, wife and daughter very shaken. Reported to dealership who were very concerned and asked to bring it into dealership, they inspected the car found errors or logs relating to the time of
  3. Hi guys I'm new here & after advice, hope this is in the right place. My husband has quite a lot of debts, he was on a DMP with stepchange until the end of 2015 when he lost his job & put it on hold we moved house a month later & although I think he informed stepchange he didn't inform the creditors He's had a few letters here at the new address & has just recently got a ccj, sent admittance form, offer of £50 was rejected court decided the amount £78 per month, which he will pay, last night I checked his credit file with noddle & was sh
  4. Tests show billions of people globally are drinking water contaminated by plastic particles, with 83% of samples found to be polluted https://www.theguardian.com/environment/2017/sep/06/plastic-fibres-found-tap-water-around-world-study-reveals "The US had the highest contamination rate, at 94%, with plastic fibres found in tap water sampled at sites including Congress buildings, the US Environmental Protection Agency’s headquarters, and Trump Tower in New York. Lebanon and India had the next highest rates." "European nations including the UK, Germany and France had the lo
  5. Large numbers of employers are it seems now in the habit of shortchanging their staff as a deliberate strategy to increase profits. At least 2 million workers a year in the UK are being cheated of pay they are owed. This estimate of the scale of wages theft comes from a new report from researchers at Middlesex University, which puts the value of the lost pay at over £3bn a year. https://www.theguardian.com/commentisfree/2017/nov/30/bosses-steal-from-low-paid-2-million-workers-cheated-wages HB
  6. Hello Was hoping for some insight or advice on my situation. I've just checked my credit report and have found two sets of "beneficiary trace enquiries" made by Erudio Customer Management Ltd. The first ones were in mid-march against my current and previous address. Then again two months later in May, also against my current and previous address. I have read up and found out Erudio bought the old style students loans. I do have two of these. One from 1997 and then another for 1999 which has been treated as a separate account by the
  7. Hi, I've just returned to the UK after being abroad for 5 years studying, I moved into a new flat and tried to get electric moved to a credit meter and was denied. I requested my staturtory credit file and have found that Arrow Global have registered a CCJ against me with judegemnt by default (date 20/07/2017). I had no warning or knowledge of this and they used an address that I moved from at least a year before I left the UK. I've no clue what it is for, and have no idea how to go about dealing with this properly. Ideally I'd like the CCJ set aside but first I have to
  8. Hi, I'm hoping for advice, please: We're going for a mortgage. I've just done an Experian search and discovered a problem, namely a CCJ issued on 03/08/17 at Northampton County Court. They say it was from Lowell whom have a solicitor called Cohen/Cramer. I know absolutely nothing whatsoever of this CCJ. I've tried endlessly all morning to speak to the CCBS but the phone just never gets answered. I assume they're tremendously busy. I would very much appreciate help/advice/guidance please. I have a case number off the £4 Government advice website thing, that tells
  9. Ignoring the teenagers nationality, the differing perspective of the presented headlines will undoubtedly mirror the differing views on how this person and issue should be addressed. The guardian reports “I just want to get away from here,” she was quoted as saying. “I want to get away from the war, from the many weapons, from the noise.” She added: “I just want to go home to my family.” The media outlets said the teenager had told them she regretted joining Isis, wanted to be extradited to Germany and would cooperate with authorities. https://www.theguardian.com/world/2017/jul/24/
  10. Hi, Just looking for a bit of advice on a situation that's happening to me at the moment. Back in March 2017 noticed my car wasn't where I'd parked it. This is in London, so first checked https://trace.london/ to see whether the council had taken it and the car wasn't listed. Called up Trace London just to be sure and they told me to call the police and report it stolen as no London council had the car. Called the police, they confirmed the same thing, spoke to the insurance company (Diamond) and started the process of the claim. I got £250 about a week l
  11. Hi , could a techie help, please - I've been trying to get into & download the interest calculator spreadsheet listed but when i click on to any of the links i get a message (with the CAG logo) saying 404 Page Not Found - and below it is a picture of a missing person, and caption saying "neither is xxxx". Any ideas anyone? Are the links themselves corrupted?
  12. Hello, I was in business as a photographer and approached by the above company to carry out Search Engine Optimisation on my web site. We entered into an agreement whereby they would carry out work on the web site and I would pay them £58.50 per month after the initial payments were made. The agreement was for 12 months in December 16 I went out of business and they are now chasing and threatening County Court Action and have sent a "copy" of the Court Summons for Manchester County Court that will be issued on 3rd February 2017 if I do not pay the outstanding balance of
  13. Hi all, I bought a car from a private seller last week, I found it on gumtree and called the guy advertising it. I asked him about the state of the car and he promised it was in good condition (also have a text from him saying he wouldn't sell a car if there was anything wrong with it). He said he was selling it for his neighbour. I had checked the MOT history online and it had failed on the 16th May, but passed again on the 20th. After speaking a lot with him, as the car was a 2 hour drive away, my parents decided to go and look at it. I couldn't go due to having to go back t
  14. In short: I purchased a car on the 7th and picked it up on the 9th which needed a service and cambelt. One of the tyres deflated slowly on the way home. I was not told that the car had a slow puncture. That said, I don't like using tyres on second-hand cars because you don't know if they've been repaired...etc so wasnt bothered about replacing them. The wheel locking key which was supposed to be in the glove box was missing I purchased a replacement and had the tyres replaced at my cost when it arrived a week later (16th). The dealer just stated that it should b
  15. I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?
  16. Hello fellow members - Last night looking at my credit report I found that a CCJ has been issued against me on 16th November 2016 from Northampton County Court (Information Source - Registry Trust Ltd) to pay approx. £300. This is issued to the address I lived between Aug 2014 and October 2015 as a lodger. Obviously not living there, I've not had any letters etc. from court. The only way I found out about this is last night looking at my credit score. I've never had any credit cards, phone contracts etc. which I took whilst being on that address. I can not think o
  17. Hi all. I have a good friend who just happened to mention in conversation two weeks ago that he is using a claim firm (that he heard advertised on the local radio) to make a claim on a loan he had years ago. My wife says that my face was a picture at that very moment. Needless to say, I spent about 15 minutes going over the reasons why he should do it himself:wink: He added that they had told him that there was PPI on a loan back in 1994. However, yesterday my friend said that the firm had been in contact and said that the bank had said that the PPI had been taken off after 30 days
  18. HI Hopefully someone can help me, i really don't know what to do next. i admit a few years ago i ran into a few problems and didn't keep up to date with outstanding credit accounts, the old bury my head in the sand. I have being trying to get things in order and recently got my clear score credit report, to my shock i had a CCJ for an outstanding overdraft which was being chased by Lowell. As far as i remember i had a £1400 overdraft which i left unpaid. That was in 2009. i moved house in 2011 and never heard any more about it, although i have had other lowell c
  19. Hello, Summary: Recently found out I have a CCJ against me, which was made on the 07 April 2010 after signing up for a popular credit report/expert website and have done some research before deciding what action to take. What I know: The CCJ on 07/04/2010 will be removed from all registries after 6 years, which is only a few months away at this point The amount is for £194 If I pay the CCJ it will be classed as "Satisfied" If I do not pay the CCJ, it may come back to bite me in the proverbial ass in the future What I need to know: If I pay t
  20. Hi, I have just checked my Barclays account, only 2 payments ever come out of this account but I am constantly in my £1000 overdraft. I had a letter today saying that I had gone over which came as a shock to me as the money that goes in should more than cover what gets taken out but I havent paid anything towards my overdraft in a long time. They have changed their fees apparently and now I am being charged £26+ a month for my overdraft, I never signed up to this, I had the additions added on back in lets just say 2005 and havent signed or agreed to anything since. Are they auth
  21. Hi, We bought a 2003 Fiesta in November 2014 (last year) from a car dealer in Warrington for £1500. We didn't do any checks as we felt that it was unnecessary from a dealer (We now know this to have been a mistake and should have done checks), however we did ask if there was anything historical about the car that we should know about, they said there wasn't. Fast forward to today, we've come to trade in this car as a part exchange and they've informed us that it was a Category D write off, and would only offer £150 for it. We've now run a check on it ourselves and this is true
  22. It started with a letter from Restons the other day saying they wanted payment of under £1000 for a debt which I believe to be statue barred. The letter said if I didn't pay I would get taken to court for a CCJ and would request monthly payments. If the court does not allow this, the full amount is required forthwith including any accruing interest, fees and costs. If I don't pay by a set date their client may be prepared to accept installments and return the expenditure and income form by the previously mentioned date. They also draw my attention to the fact the client s
  23. Hi all, It seemed like a horror story. This year was the first time that the round paper disks were abolished, and I then replaced the still valid disk with our parking permit to save space on the windscreen, and thought that I will always receive a tax reminder anyway. However, I have not received one and I have been waiting for one to arrive. So did not really thought about it, until tonight out of interest I was searching my car's number plate to see where it was registered, and found that it was UNTAXED since July! I then immediately went to DVLA website, and tried t
  24. Yet again another debtor has been found guilty under section 68.1 of the Tribunal Courts & Enforcement Act 2007 for interfering with controlled goods and also for criminal damage. Of serious concern is that this person was also represented by a McKenzie masquerading as a 'Lawyer' who has been responsible for a number of failed legal cases over the past couple of months that have resulted in debtors losing many thousands of pounds. In this particular case, the brief background is that Croydon Council issued a penalty charge notice and the debt remained unpaid and was passed to
  25. Under section 68.1 of Schedule 12 of the Tribunal Courts & Enforcement Act 2007 it is a very serious offence to obstruct a bailiff. Last week yet another debtor was found guilty of this offence but even more seriously, he was also found guilty of assaulting the bailiff (the bailiff required stitches to his nose). The debt was in relation to an unpaid penalty charge notice. Bailiffs attended the debtors property to request £422. It would seem that previous visits had also been made and on one of the visits, he had sworn at the bailiff before driving off. It was on the 4th visit
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