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About Me


Found 10 results

  1. I have just checked my credit file today - having not checked it for months as ive not needed to and found a default in july 2016 placed on there by Mototmile Finance!! I was shocked. After some investigative work I now know it was a cash genie loan from 2012, which defaulted in 2012!! There is no mention of cash genie on my credit report at all. There used to be but it was removed last year, i'm not sure why but might have been when they went into liquidation?? So i thought that was the matter over......and now Motormile have put a fresh default on there?? I know they are current
  2. I have a number of accounts with provident that I stopped paying about 12 months ago. I was an agent for them for a very short time and took a number of loans out myself (stupid I know). I stopped working for them 2 years ago when I was forced to take out a loan due to me loosing the money I collected when I had to take it into the office to show the collections on a weekly basis. I was so upset by this I stopped working for them in my part time position as an agent. I have had numerous calls which I have ignored but have just got a default letter from vanquish fresh
  3. Background: last fiscal year 2015-6 I claimed working tax credits for 5 months, ending in February 2016. Since then a mix of JSA, volunteering and part time work. This week I started full time work and I was thinking of starting a fresh claim. However I've just received the tax credit renewal pack for this current year, plus the annual review for last year. I'm not really sure if I should make a fresh claim or use the online tool to renew my tax credits. On the gov.UK page: https://online.hmrc.gov.uk/shortforms/form/TCCF makes me think a fresh claim only ap
  4. i have been contacted by these people saying i owe sky 600 for calls and sky for the period nov 2009 to jan 2010 but left my partner in 2012 and in that time before i left no contact or letters and betwwen 2012 and until last week when i had a phone call saying i have to pay can any one help please also i found out last week ex had recived letters but bined them with out telling me what can i do
  5. HI im new, sorry if this has been covered but im having trouble with laptop its not showing me posts ,ive had a letter from vanquis fresh start saying sky have sold them an early termination debt i have with them, ive been told theres been calls to my old phone number (i dont have that phone no more) im sceptical to if they are genuine, i have some current mental health issues and talking on the phone is tough for me ,i dont want to ring them and give my details if they arent genuine thank for any advice
  6. Hi, I used to be quite active on here but after losing a court case to a creditor a few years ago I went away to lick my wounds, everything went quiet and I got on with my life. Now out of the blue I have received a claim from Mortimer Clarke solicitors for an old Black Horse account. I last paid or ackowledged anything in 2008 and received a default notice and demand for full payment in early 2009 so I am confident its statute barred. I have defended saying so and have received a letter from MC saying the account was terminated in 2011 - having read other threads I assume this
  7. Banks could face even bigger bills for mis-selling Payment Protection Insurance after the City watchdog said it was considering new rules following a landmark legal decision. In November last year, the Supreme Court said that Paragon Personal Finance, a secured loans company, had breached the Consumer Credit Act by failing to disclose that the PPI premium paid by a customer included a hefty commission fee to a credit broker. This means that even if the loan insurance was otherwise fairly sold, banks could be liable for mis-selling compensation if PPI was bought via a br
  8. Hi, Just need some advice please. I submitted my ET1 in December 2013 following advice (from a union rep - I am no longer with them) that the deadline was approaching and I must submit my claim by xx to be accepted. I was still very unwell at the time and was not in a position to file it properly but still submitted what I was able to write up. In my statement I missed out many things and the various allegations I was bringing. It was also during Christmas so I was unlikely to get any help at the time. I was at the time of filing my claim a self litigant with no legal training. I have
  9. Hi there please can someone clarify this small point for me as I am having difficulties. When It comes to appealing on Fresh evidence I believe that this is indeed possible, however the EAT rules states that one must have been reasonably diligent in requesting this evidence. This is somewhat contradictory as one cannot be so diligent as to request information and obtain it if the respondent is refusing to disclose it! How can one satisfy the Ladd v Marshall rules to submit the evidence when at the same time it is indeed true that one can appeal on Fresh evidence that was previou
  10. Comes after the OFT referred Ryanair to the CC over its current stakeholdings. http://www.bbc.co.uk/news/business-18511024
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