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  1. Hi all, Just a bit of a background, I called Blackhorse on the 23rd December 2018 to check whether I had any PPI on loans that I took out many years ago. The first and most relevant was taken out in 1987 as I recently found out from them. They found I had three within 87 and 91. They didn’t indicate or tell me whether or not there was PPI on any of my agreements and instead sent out a complaint form and explain to them why I was misold any of the policies attached to each loan. I had no paperwork at the time of calling. A week later I sent back the form and gave the reasons why
  2. Hi everyone, any help would be highly appreciated Back in 2010 I arrived in the UK to study, me and my friends rented a flat in Brighton and I signed with TalkTalk for a broadband plan (1Year). The account was under my name and it was paying it from my personal bank account. End of 2011 I finished my studies and went back to my country, but before I do that I contacted Talktalk and told them that I am leaving and that my room mates will be paying from for this plan from now. (Kindly change the account holder to them and hereby I inform you that I am not longer responsible of this) "
  3. I received a Penalty letter of £100 from NHSBSA all because my dentist registration lady misled me into believing that I was entitled to free dental treatment. I have gone through Stage 1 & 2 complaints procedure to no avail. Now, they have said I can go on to the Ombudsman if I am still not happy. My argument is - I was told I was entitled to free dental because I showed the lady my NHS Medical Exemption Card and asked if being diabetic, was I entitled to free dental as well? The lady said yes I was and asked me to sign the FP17FR form. I signed but didn't tick a
  4. Hi - I've recently received three letters from Lowell headed 'Pre Legal Assessment' that goes on to say they are deciding whether to pass my account(s) to their legal team. Has anyone seen these before and should I do anything? I wasn't sure if I should send the Prove it letter or CCA request. They are for CCs and a store card. I have moved since the debts defaulted and they are around 5 years old. I have a scan of the letter with personal info obfuscated if anyone would like to take a look to make sure? I know the legislation for LBAs changed recently, so wasn't sure if t
  5. Government publishes key licensing changes to further protect tenants READ MORE HERE: https://www.gov.uk/government/news/government-publishes-key-licensing-changes-to-further-protect-tenants
  6. Just had a visit from Marstons Bailiff, over a speeding fine for my partner. Once we received the letter we filled out a Star dec and sent it off. When he arrived he stated a few things. 1. Stat dec was irrelevant as it hadent been infront of a judge. 2. That he was calling a locksmith @ £100 an hour. 3. That their system says to continue with the warrent. OK I called the court, and the stat dec has been accepted and Marstons has been informed. Called Marstons who state that their system is not uptodate but refuse to call off bailiff. Speak to bailiff who s
  7. 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
  8. Why is why Jeremy Hunt, the health secretary selling a profitable and effective company his Department of Health owns, Which save the NHS and UK Taxpayers £70 MILLION pounds a year? "On the government’s own estimates NHSP saves the taxpayer around £70m a year by organising last-minute or replacement staffing for NHS trusts" "NHSP supplies staff cheaper than those obtained through private agencies which Simon Stevens, the chief executive of NHS England, has castigated for charging “rip-off” rates." "It is thought ministers hope to realise about £50m for a 75% stake in the fi
  9. [/HMRC are claiming that a "further information" box was ticked but there was no further information included on a child tax credit form from five years ago when my daughter was attending college and now want the payments back. I know for a fact I hadn't ticked this box as there wasn't any additional information. Could I please have suggestions as to how to deal with this?
  10. Hello everyone, thank you in advance for any help and guidance you can give, it is very much appreciated. Following receipt of a Letter before claim from Gladstones Solicitors I have responded to them disputing the claim, following a quick back and forth, I have received another letter from them stating that "they are not instructed to enter into any further correpondence...if payment is not made within 14 days - a claim will be issued without further notice" The initial parking charge notice was issued to me by post, although i have no recollection of receiving this as the alleged
  11. Hello everyone at the CAG forum, this is my first post here. I'm hoping to get some advice with Marston / Collectica after a bailiff visit today. I wasn't home but they left a hand delivered Final Notice. Let me give some more information; I have a Further Steps Notice from London Collection and Compliance Centre dated 18th November, amount owed £580. I did not open and read this letter until yesterday. Around two weeks ago I received a Notice of Enforcement Distress Warrant from Her Majesty's Courts & Tribunals Service, it stated the debt was £580 but now £660
  12. Hi All, I could really do with some expert help here! A Bailiff visited me on 29/11/16 to collect money for an issue that i had no prior knowledge of. The bailiff told me it was for driving without insurance (something i have never done and can prove), and that is all the information i have. I want to do a section 14 statutory declaration, but have no information about the court hearing / date / court etc. How do i find this out without contacting the bailiff? I dont want them to find out im trying to stop them, and put further effort into recovering the money!!
  13. I have a charge order placed on my house by Bristol & Wessex Water for £1800. They recently sent me a letter stating that if I don't pay the full amount they will be taking legal action and apply for an order for sale. I then will be sent an order to vacate my property within 28 days. My house is owned outright with no mortgage and currently valued around £200K. I am living on a small private pension with no chance of paying back the debt. I went to the CAB who told me that I will end up homeless and living on the streets as there is no social housing available for s
  14. This is f....g rediculous. They mess up my calculation...let it run for years and then give me a 2 year backdated attachment of earnings. for over 800 pcm. (for one child). I had to leave my job....I got a much lower paid job and they were taking 350 for maintenance and arrears. I get another low paid job...they then accepted 250 for arrears only as the regular payments had stopped. I get another job and try to contact via email and web enquiry. No reply. Suddenly...without warning. £425 per month out of my bank account. I cant even afford my rent or electricity. And t
  15. READ MORE HERE: https://www.gov.uk/government/news/enhanced-learning-credits-further-and-higher-education-scheme-changes More information on the Enhanced Learning Credits Scheme is here: http://www.enhancedlearningcredits.com/
  16. Although this was first published back in December '15 I haven't seen any more on this story has anyone else? 'Ministers plan to give local councils responsibility for a £5bn benefit paid to older people who need help with daily living in one of the biggest shifts of resources within the welfare state for 25 years. The move, expected to be signalled as early as Thursday, when councils in England get news of their grant allocation for next year, has also raised fears that the benefit – called attendance allowance (AA) – could be restricted or capped. At present, AA is pa
  17. I started claiming in December and from 23-12-15 I wa given an 82 sanction (dismissal from work) and 2 weeks ago I had a back to work appointment but couldn't attend due to me having a doctors appointment at the roughly same time. I called up universal credit and there was a problem getting me a new appointment so they said my local job centre would call me with s new app intent which they didn't (didn't bother me I understand they're busy) I didn't get a call so called up this morning and was given a new appointment for this Thursday morning with the same advisor that spoke to me like **** pr
  18. I am hoping that you well-versed guys can help me. My wife and I were married in Italy in May 2015. However, the outbound flight (07/05/2015) from Manchester was delayed for around 3 hours, then ultimately cancelled due to a fire at the destination airport (Roma Fiumicino). We were given a full refund (around £175) and the Jet2 staff were amazing in trying to help us find alternative flights. Eventually we found the last two seats on a RyanAir flight leaving the next morning from Gatwick. We hired a car (£30 +£25 fuel), a hotel (£90) and the flights (£490). I also incurred around £15
  19. I was caught shoplifting some earrings from Topshop yesterday by the LP officer. I know what I did was totally wrong and I am completely and utterly ashamed of myself. I feel dreadful and I deserve the scare they gave me. They approached me outside the shop and asked me to come with them to the holding room. When there, I admitted I had taken a pair of earrings and gave them back. The LP officer kept asking me about a gold necklace that I knew I hadn't taken so I took all my stuff out and showed them I didn't have it. I was in a real state of shock and fear and had (honestly or maybe just
  20. Me and my partner have been fighting Npower since the start of 2007 and it is still ongoing. When I met my partner 2 1/2 years ago she had a token meter and one day I went to put one of her tokens in to find that she had a debt on the meter of around £860 being taken at £3.02 a week. She was unaware that there was a debt that high on the meter and told me that it should have only been around £64 from when she changed from a credit to a token meter but thought it had been paid off through the meter a long time ago. We opened up a complaint well what a song and dance that has been
  21. Hello, I just received this through the post. I honestly have no idea what it for but looking at the amount it seems old. Can someone advise what I do next. [ATTACH=CONFIG]57560[/ATTACH]
  22. Hi quick bit of advice needed please. I agreed a full and final settlement with Bryan Carter solicitors acting for Lowell in Jan this year and paid the agreed amount set out in a Tomlin order. Today i have received a further demand for payment from Lowell on the same account for the difference between the amount claimed and the amount paid under the order. My understanding is the full and final settlement was just that and agreed by both parties in the signed Tomlin order. Is this Lowell trying it on ? Thanks for any advice
  23. Hi, I am new to posting but not new to the site. I cam on really for a little bit of advice. I am trying to improve my credit rating. A few years ago it was terrible so I've been paying things off and not applied for anything other than this card. I was declined....however, I then received a form through the post to fill in, one of their "invitations" so I filled it in and a week later I got a call asking for my bank details as part of verification. I then got another call saying that they have trouble verifying people who use my bank and so asked for my driving licence number. I ga
  24. I will keep my experience with Thomson holiday as brief as I possibly can. My husband and I booked a week’s holiday for 2 in Lake Garda for w/c 25th June. My sister had flown over from Australia to allow me to go as I look after my 93 year old mum so I wanted this to be a holiday to remember. I paid £2108 for a deluxe room for one week, which according to the hotel when I e mailed them prior to booking was classified as a junior suite on their website. When we arrived at the hotel the minute the receptionist showed us into the room I told her it was not a suite and was unacceptabl
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