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  1. Hello everyone, I have recently issued a small claim against a company, but do not want to go through with it any further. The defendant did issue a defence and requested for Mediation, but subsequently changed their mind. I was wondering if I can still issue a Notice of discontinuance (N279) form before the case being allocated to a track? If yes, which court do I write down? Should I send this via post to the Money Claims centre in Manchester or via email? I have been utilising the new beta Money Claims service, which does not provide information on the matter. I wa
  2. around 1999 we bought a car on finance from Yes Car Credit, I think it was a 3 year plan but after approx one year I became ill and lost my job, we could not keep up the payments so they came and collected the car eventually. ironically, the PPI we paid was supposed to cover illness, yet we were told not so, so we basically told them to pick the car up. my questions are: as we paid some PPI, can we claim it back? I cannot remember which bank we were with, does that matter? are Gladstone Brooks any good?
  3. Hi, I have received an n24 form “general form of judgment or order”. It states that point 1, it is ordered that judgment for the sum of £1450 and interest to date of £92.08 plus various fixed costs and hearing fee. Total £1964.50. Point 2 states that the court have assessed additional costs claimed .....”and such costs we summarily assessed at £700.00”. Point 3. Above sums to be paid by 4pm on 16/11\18 Dated 26th October Hoping someone can help me understand this. I did try to settle out of court, but the claimaint was seeking an additional £700 (which would have mean
  4. If someone had a drink driving ban approximately 2 years ago and I don't have driving licence details is the anyway to check this out like for example MID?
  5. General Sir Nick Carter appointed new Chief of the Defence Staff READ MORE HERE: https://www.gov.uk/government/news/general-sir-nick-carter-appointed-new-chief-of-the-defence-staff
  6. I've just been glancing through a worksheet provided by my local council on the new GDPR rules. One of the guidance notes states that: "You must tell people in a concise, easy to understand way how you use their data." It also states that "consent" for your data to be used in different ways must be freely given, pre-ticked boxes will not be sufficient. i.e. a seperate consent is needed for each type of use the data is intended to be used. So...where the DVLA is concerned I am quite happy to give my consent for a record to be kept of when my car is taxed, insured and MOT'd. Howeve
  7. Dynamic security threats and the British Army: Chief of the General Staff General Sir Nicholas Carter KCB CBE DSO ADC Gen READ MORE HERE: https://www.gov.uk/government/speeches/dynamic-security-threats-and-the-british-army-chief-of-the-general-staff-general-sir-nicholas-carter-kcb-cbe-dso-adc-gen
  8. Hi, hope you can help. On the 10th October 2017 I took out car insurance with GA and paid in full. They asked me to send them proof of no claims bonus, so I called them to establish I would email them a copy of the letter sent to me by my previous insurer stating how many no claims bonus I had and that’s exactly what I then did. On Wednesday 15th November 2017 I received an email saying my car insurance has been cancelled due to them not receiving my proof of no claims bonus. I was put into quite a predicament because under duress I then had to buy some more car insurance. Do insurance compani
  9. hello i have a cover for my kitchen electric goods my dryer stopped working on 2/10/17 i rang to report this and book a repair this was then booked for the 10/10 repairman said he would have to order the part, came on the 12/10 and fetched wrong part and would contact me when part becomes available, i did not hear from them again so i rang D n G back up on 25/10 said they would replace product and be in touch within 24 hours ive not heard from them, ive tried to ring them but left for over half hour on phone. a month without a dryer, can i cancel my cover. its a rolling cover
  10. Hi all After doing a lot of research, the general opinion, from enforcers from the police to bailiffs, Seems to be if we have done wrong you can get remedy through the court process, so pay up and correct afterwards. examples arrest for possible breach of the peace, mainly when EA's are involved. social services we will take your children for possible future harm. When was this changed from the accuser has to prove, to the accused has to prove. 3rd party has to prove property is theirs,They should not have to prove anything, just to make it easy for the enfor
  11. Whirlpool oven repairs. Whirlpool oven repairs. Ongoing saga hopefully resolved tomorrow 24.6.17 Or a reading as war and peace will follow. This oven has been constantly repaired over the years, was supposed to have been replaced years ago but D+G lost my policy contract!! They had to start a new one ,so repairs carried on. After having the wrong oven delivered on 23/6/17 i rang D +G on 24/6/17 to be told that they would arrange Hotpoint / whirlpool to call me and collect it. .Nothing yet 27/6/17.-- D+G have the correct oven number listed on their system as i have now as
  12. Hopefully I can get a bit of clarity of where I actually stand. Having racked up a bit of debt in younger years I had little choice but to default. Due to circumstances I simply stopped paying (although I did enter some dialogue for a short time but the overly aggressive stance of the creditors meant it never progressed) - this would have been circa 2007/8. Since then I've had a fairly troubled life - never having any money to pay off the debts and simply ignoring any letters sent. I've not heard from most for 18 months or longer. I'm now in a position
  13. I have a longstanding policy with D & G for repairs to my Hotpoint washing machine. The engineer came yesterday on an appointment with the company for a repair - it was purely a matter of the filter clogging and he repaired this satisfactorily. After he left I put my washing in the machine. Part way through the cycle the machine stopped and when I pressed the button to resume there was a very loud grating noise which sounded mechanical. I stopped the machine and rang Dom and Gen to complain and asked for the engineer to return - I pointed out that it was obvi
  14. I think this is probably a general question but in my case it applies some very expensive private dentistry work I had done. The treatment finished in April 2016 and is covered by a 12 month "aftercare" or guarantee. Since then I have had to go back to the dentist to re-insert a loose crown and bridgework which he fitted. This was done free of charge. The twelve month period is coming to an end and again I have problems with the same two teeth - a crown fallen off and a loose bridge. Unfortunately the company I used (a larger cosmetic surgery company) no longer offers dentistry and ha
  15. Just as a query Scenario; DCA collect on a debt, alleged debtor, stops paying and fills DCA's mailbox with CCA's Sar's, nothing provided, DCA keeps reqesting payment even though they have not provided paperwork, in the end the allged debtor says file for court or bugger off. 4 Years later since the last correspondence and out of the blue a court summons lands on the doormat of the alleged debtor from the DCA. Defence is filed, no admission within the counter defence is given, debt is denied. The DCA acknowledge receipt of the defence via the online court system
  16. Please would any member be able to assist with the following issue that I am having with Clydesdale Finance who have changed a default date with Experian Credit Expert which has greatly affected my Credit file. The issue is: I had had a debt that should have expired 04.01.16 after 6 years, I was eagerly awaiting this to enable myself to move forward with my own financial plans. I recently checked with Experian Credit expert to make sure that my score was still at 999 and that the expected bad debts would disappear from my personal report. I was amazed to see that my
  17. Hi. I've only just joined so I hope I'm doing everything correctly. Please point me in the right direction if I'm not. I bought a Panasonic TV from Richer Sounds on November 25th 2014. The cost of the TV was £1199.00. I also purchased 2 pairs of 3D glasses for a further total of £69.90. I received a free 5 year guarantee on the TV. The TV failed just before Christmas, now about 6 weeks ago. I contacted Richer Sounds and, after saying they could arrange an engineers visit, because of the proximity to the holiday season I agreed to take the TV to a store so that I could get a
  18. ive taken on this for my mother. Long and short of the query is she took out cover for a dishwasher to be fixed with D and G. - D and G agreed to take over the appliance which is over 12 years old if they could fix. - came out twice last year, first visit asked for some plumbing to be done, second visit a fix was done but to unsatisfactory standards. - the appliance still leaks and the door was fitted back on incorrectly. - i stopped the direct debit due to the poor work and asked for it to be written off due to poor service - since then we are getting alot of chasing letter
  19. On Wednesday, 4th Nov 15, a JobCentre Workcoach at Seven Kings Jobcentre, instigated a full scale row with me about my apparent job search failure, even though I applied for 33 vacancies for period 21/10/15 – 4/11/15 - so she's clearly insane and her judgement is off at best and worst she doesn't listen to reason nor pay attention to months of evidence. (This is my 2nd complaint against this particular Work Coach for bullying – the first complaint being the 10th September 2014) She battered me about why I hadn't secured interviews for the amount of jobs applied for,
  20. Evening Can anyone offer any advice. My secured loan is due to end on the 4th July 2016, it was originally with GE money who sold to Prestige finance. Original loan was unregulated 30k, to date paid back 89k. There is still a balance of 10k made up of charges and additional interest. I will continue to make payments but wondered what will happen now, can they charge whatever interest rate they like because the original agreement has/will end? Any advice greatly appreciated before I ring them to negotiate. Thanks in advance
  21. The council wants to gain access to my property to do some work on my neighbour’s property. I have already allowed them to put scaffold into my part of my land as my house is semi detach. This has been on for over three months I have no realistic time of when the job will finish. Furthermore i have been subjected to continuous cleaning resulting from the building and roof tiling dust. Thy have repainted the neighbour house while mine is still caked up in dust. I have reported damage to my roof tiles and my gutter damage by their workmen but they have not responded to m
  22. Hello all, We have submitted a defence and then received the DQ. This was returned to us as invalid due to my partner filling it in and asking me to deal with it on her behalf. We have resubmitted another one and they have rejected this as the surname is different to the claimant. We are married now so my wife is using her current name, they wont accept it as the claim in in her maiden name. Can they do this? I feel like they are doing it on purpose because now we are over the 14 day limit to have the DQ filed.
  23. I signed up for a year of cover on a washer dryer and have just found out that they have been taking the payments since 2011 without me realising or indeed authorising it. I spoke to them and they were incredibly unhelpful - a rude and arrogant woman on the phone who said that they were not regulated by anyone and fundamentally they could do what they liked. They claim to have been sending me renewal notices each year which I have not received - I moved property so cannot verify this. Their main line of defence is that when they sent the first renewal letter it said that unless
  24. Hi, I defended a claim against me which I lost on the 26th of May, the judge ordered that I pay the claim plus interest and court fees within 14 days of this date, I received the order today in the post ( dated the 26th May ). Because I cant afford to pay all the judgement currently I put in a N245 form to the court last Friday ( 3rd June ) with an offer to pay it off over 3 months, my main concern is how long will it take the court to process and send the form to the claimant?? as I don't want them transferring it to the high court enforcement offices within the
  25. Hi, I'm hoping that someone can help me here. I have just been sorting through my Direct Debits and have realised that I have been paying a DD monthly to Dom and Gen for 4 years and I actually have no idea what for. I realise that I must have agreed to some kind of warranty cover with them initially, but I also know that I have no warranties on any of my appliances that are currently active so I have no need for this cover. I am utterly confused and crestfallen because I am absolutely meticulous about keeping records of all correspondence on these things, and ha
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