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Found 159 results

  1. Finally .... I am going through the 2 relaims I have yet to deal with I make that sound like I have done many but only the one I have compound calculator but has it changed to strictly 8%? If so I'll have to download another. What I'm looking for onsite is the second letter (the actual reclaim letter/where you have to detail why you think it was miss sold) as SAR requested already completed just waiting for me to sift through the statements. But can't find the link to this doc someone point me to the link please. HSBC business loan which was repaid from personal account This ones a little difficult because loan issued from an account that we closed so looks on statement as if I settled it but it was transferred to the new account when we move to a new branch and we were given a new account number. But I have most of the original bank statements. Second was 2 accounts with Egg CC do I have to submit them separately I don't think I have to - but just could do with clarification. had my SAR docs for at least 3 months but only just getting down to it. (Historically I've always done my paperwork between Christmas and New Year strange I know) Be great if you could paste the correct link here because for love nor money can I find it onsite. Seasons Greetings one and all hope you have a Fab Christmas and a Happy and healthy New Year.
  2. Can somebody can help with a bit of advice please? I'm completely debt free, and have a private pension, my intended sadly isn't. She is currently paying off a series of debts from her previous marriage, in very small amounts each month, that will take many a year to complete. We wish to marry, but I've no intention of doing so if this makes me liable, for her ex-husband's debts! If we marry can her debtors make a claim her from my finances for her/his debt? Any advice/information anyone could give me on what legal position I'd be in would be most appreciated.
  3. Parcel2Go lost my item and have admitted liability. I had insurance with them up to full value (£45). They have already refunded me the postal costs (but say the additional insurance cost (a pound or so ISTR) is non-refundable). Seperately, they have offered me a refund of the full value of the item, but I rejected and said I want the cost of packing that was lost too (or like-for-like replacement of such items). They have refused and said they think a refund of just the item value alone is fair. Do you think it's possible to get packaging costs back? It's only a few pounds, but why should I be out of pocket when I didn't lose the parcel?
  4. Hi I recently had a successful PPI claim with MBNA. I have received a 50% payout but as it was a joint loan, 50% is owed to my late wife. Initially, MBNA refused to pay me her share until I provided a Grant of Probate or Letters of Administration. After explaining I have neither, they eventually said they will accept documents from a Court or a Solicitor confirming that no Will, Letter of Administration or Grant of Probate was ever made. My wife had next to nothing in assets when she died so, as I understand it from the gov.uk website, I didn’t need to apply for Probate as, in the circumstances, I inherited everything. I can’t understand why MBNA will not just accept our marriage certificate and my wife’s death certificate as sufficient evidence and pay out. That was all the evidence I needed to provide at the time of my wife’s death when dealing with her bank accounts. (They were different banks, not MBNA). The amount owed is only around £400 so the cost of applying for Probate or Letters of Administration would make it all pointless. I assume the cost of obtaining documents from a solicitor confirming no Will, Letter of Administration or Grant of Probate was ever made would also be prohibitive. I was wondering is there any way I could fight this and get MBNA to pay out with just the marriage and death certificates as evidence. Any help or advice would be really appreciated. Maybe someone else has had a similar experience?
  5. Myself and a friend entered into an AST in 2008 with a private landlord where I was the lead tenant. Our deposit was placed with the DPS. Although we had a good relationship with the landlord throughout the tenancy, when we gave notice to quit in 2011 he seemed to take the matter personally and started being very standoffish with us. On our moving out date, the landlord did not attend the property. When we called his phone to find out where he was, it rang with a foreign dial tone and the call was rejected, so he wasn't even in the country and decided to ignore us. We ended up posting the keys back through his letter box and were never properly checked out. Since the landlord had essentially absconded we did a stat dec and sent it off to the DPS to get our deposit back and assumed it would follow. A couple of days before we would have had it, the landlord opposed the stat dec and would not consent to ADR. This left it in limbo and our only remedy was to take court action. We mulled it over at the time and in the end made the stupid decision not to pursue him and put it down to experience. Eventually we got over the matter and I'd not given it any thought for several years. Until today when I moved into a new property which also used DPS and when I checked my account I found two tenancies were shown, and was amazed to find our old deposit from 2008 is still there, now with the status 'suspended pending review'. What is the legal position on this deposit now? Neither us nor the landlord can take civil action against each other as more than 6 years has gone by, but the money is still held with the DPS, and it is our money. Any chance of getting this back after all these years? And if not, what will eventually happen to it?
  6. I bought some headphones from Amazon about 6 weeks ago. They Developed a fault just after 30 days. Amazon have offered me a refund, unfortunately the headphones were at a promotional price at the time. The refund wouldn't be enough for me to buy a replacement pair from them. They have refused to either repair or replace them. I know under consumer law I am entitled to a repair or a replacement. Is a retailed such as Amazon able to ignore that if they simply offer a refund? I was very happy with the headphones and really just want a pair without the fault. Where do I stand?
  7. Hi All, Can someone let me know what my chances of getting a refund from these PDL is? All the loans were repaid, except my last ever one with Payday Express which remains unpaid as a default on my credit file. I have read elsewhere that proving affordability is key, but in the case of PDUK/Express despite them being smaller/less loans - can I expect them to atleast write-off/remove the default on the basis, my credit file was trashed, my income was circa £1000k p/m at the time and I had numerous other loans out with both their sister company and other PDL? I have issued the template letter to all four companies, but none have yet to respond. QuickQuid: Payday Express/PDUK: Still waiting on Express to send a statement, but PDUK and Payday Express amounts to 7 loans from sister/same companies also during the same time period I was borrowing from QQ. Circa £800 interest from 2012. Wonga: Statement received, corroborates my own bank statements - sent the template letter but no response as of yet.
  8. Hi, Hope everyone had a good bank holiday. I (and three others!) missed crap signage and got a Contractual Breach Charge from Ethical Parking on my windscreen over the weekend. Just double checking that it is currently still best to do nothing until a notice to keeper arrives (between 28 and 56 days) before I take any action on one of these? Then if it (NTK) arrives on time post photos of it and signage on here for assistance? Just don't want to get it wrong! Thanks!
  9. Over the last month or so I have started looking into old loans and credit cards to see if I had mis-sold ppi on any of them. These are all accounts or financial products that I had from about 1999 to about 2006 so pretty old and I had no information about them. I initially took the advice to use the resolver tool before I really knew what I was doing so might have scuppered myself there but after reading through more information and lurking on here I used the PPI checkers on various bank websites such as Halifax and Canada Square who were able to find my old accounts with them send me the account numbers and some have told me that yes I did have PPI. The thing is that even though I only checked to see if I had PPI with Canada Sq. on my Egg Loans and Halifax about an old credit card they both now seem to have opened investigations. At this point I haven't been sent any forms to fill in. Egg initially wrote to me a couple of week ago telling me one loan account number and saying if I wanted to make a complaint I should write to them. I have not yet written to them. However today I received a letter from them with three Loan account numbers (I guess from when I increased the loan amounts) and acknowledging my complaint and telling me they are investigating my complaint and that they will resolve my complaint in eight weeks. I thought I would have to fill out forms to initiate this complaint? It had been my plan to find out if I had PPI, then send a SAR and then make my complaint but if they have started the complaint already then what can I do, is it still a good idea to send in a SAR to these banks then follow it up with the FOS form making my official complaint? I appreciate that banks I first contacted via Resolver are within their rights to start an investigation but can Egg and Halifax start an investigation without my formally requesting one? I still have an old store card with Santander I want to chase and another old credit card I have no details for should I start with a SAR for them? Sorry for the long post I’m just feeling very confused as what to do next!
  10. Hello chaps, I am afraid I got myself in a situation. I will skip the emotional stuff and try to be factual. I managed to develop an online shopping addiction, which resulted in high volume of returns to the stores hence security started watching me. I was detained on exiting a TKMaxx store on allegations of a theft (worth 35 quid) and fraud for replacing price tags on 2 items. Never had incidents or a CR before. I was given a 12-months store ban and the police was called to take details but still waiting for a voluntary interview date. I was told that the theft was not too bad, but the fraud bit is more serious. I am still deliberating between admitting and denying but a solicitor said it all depends on evidence, which will only be known at the police station. However, there is an additional problem with returning the existing purchases. I still have a number of items (receipts in date) to be returned as well as a few internet orders still unopened. I usually return the orders to a store, which is free. Returning by post will cost me quite a lot but I am not prohibited from doing so. However, I am trying to work out how on earth do I get refund for items bought in stores if I am not allowed to enter the stores? My OH is refusing to get involved fearing to be seen as a co-offender and I am too embarrassed to ask friends. Any idea what can I do??? We are talking a substantial sum here, not pennies, so letting it go is not an option for me. If I change my appearance and go into a different store, will my credit card get flagged up during transactions and I will be detained, or will the till get a call from security asking to put aside all returned merchandise for later inspection? In any case, there will be a breach of a ban, and that in itself is another offence? What on earth do I do???
  11. Hi I recently became aware I had a CCJ for an old capital one debt. The debt had been passed to Lowells some years ago so I presume it is they that applied for the judgement. Judgement Date: 04/06/2015 Amount: £1782.00 I am pretty sure the above debt was statute barred at the time this judgement was received. Reason for this is that I stopped paying this and another debt with Barclays at the same time. I received a CCJ for the Barclays debt in 2011 at least 2 years if not more after I stopped paying, it may have been longer I am not sure. My question is when would the statute bar time start? Is it the last payment date made to Capital One. I have already looked up the template for subject access request and intend to do this tomorrow. As I realise I will need evidence to show to a court. Any advice or pointers welcome Thanks
  12. Hi, I have recently been to the small claims court to claim £200 from an individual who owed for services I supplied. The defendant failed to attend and after a hearing, I was given judgment with costs. After 14 days no payment has been received so I went to instruct the county court bailiffs but was told this costs £150. Now I thought this seems a lot especially if they are unsuccessful. I decided to call on the defendant and suggest he pay me to avoid adding bailiffs cost to his bill. His was not interested and said bailiffs or not he would not be paying. What if any are my options. Thanks in advance.
  13. Getting ready for the Customs Declaration Service READ MORE HERE: https://www.gov.uk/government/news/getting-ready-for-the-customs-declaration-service
  14. Howdy! Entering a Token Payment Plan with StepChange as been avoiding creditors for long years now. Could someone tell me how to find old bank account numbers, old ref numbers to finish off my paperwork for TPP? I haven't kept any old letters etc, and I'd like to avoid ringing creditors at all costs. My credit report doesn't exactly show ref numbers. Is it actually crucial to find them anyway? StepChange said it would greatly help.
  15. hi all im after some advice. I purchased a clutch kit for my mondeo from a company called nationwide clutch at blackpool their ebay username is techniclutch. now the clutch was supplied with a 4 year 40000 mile warranty. however it managed to complete just over 18000 miles in around 20 months before it broke up (the center plate) the concentric bearing also fell apart. not wanting to have a poor quality clutch put back in my car I purchased a genuine clutch kit as I needed the car on the road. I sent back all the parts asking for a full refund as I had a garage fit the new clutch and also put a claim in for the labour cost. I got a letter back from the company saying all they will do is supply a center plate as the concentric bearing would not fall apart?????? no refund for labour costs as I did not give the company chance to sort it out??? like most people I need the car for work etc.. ...personally I think they are taking the mick bigtime.. ...do I have a case?
  16. my wife parked the car in Colindale and I got a pcn from parking control management, addressed to me the registered keeper, I wanted to fight it but I think I'm way out of my depth , i was under the impression that because i was the registered keeper and not the driver I wouldn't be liable, i also read that i should ignore the letters and wait for it to go to court the 26/02/2017 PCN was issued 05/04/2017 i received a keeper liability letter, which states that under the protection of freedoms act 2012 schedule 4 states the registered keeper of the vehicle becomes liable, and its too late to name the driver and everything is on me , i thought it was just threats and i should wait it out 31/05/2017 23/06/2017 i have now two debt recovery letters from Trace asking 160 pounds any suggestions would be greatly appreciated having looked into this further i see that there is a very strong case for defence,and its getting favourable decisions in county court Defence I assert that I am not liable to the Claimant for the sum claimed, or any amount at all, for the following reasons: 1.***** I was, at the relevant date, the registered keeper of the vehicle in question. On the material date, I stopped in the layby for a very brief period of time. I did not see any nearby signage prohibiting this. 2.***** I subsequently received a Notice to Keeper from the Claimant, alleging that a charge of £100 was due to them. I did not send an appeal to the Claimant. or a further appeal to the Independent Appeals Service (IAS), the allegedly independent body appointed by the Claimant’s trade body, the Independent Parking Committee (IPC). My research revealed that the IAS, far from being independent, is a subsidiary of the IPC, which in turn is owned and run by the same two Directors who also run Gladstones Solicitors, the individuals in question being John Davies, and William Hurley. Such an incestuous relationship is incapable of providing any fair means for motorists to challenge parking charges, as well as potentially breaching the SRA Code of Conduct. As such, the Claimant does not come to this matter with clean hands. 3.***** The Claimant’s signage with the largest font at this site states “No Customer Parking At Any Time”. A further sign with much smaller writing and higher up states “The loading bay is only for authorised vehicles actively loading & unloading when delivering to the commercial tenants of Heath parade”. It is submitted that if these notices are attempting to make a contractual offer, then as they are forbidding they do not fulfil the basic requirement of a contract, which is that each party to the contract must offer valuable consideration to the other party, on clear terms capable of acceptance. In this case neither the Claimant, nor their principal the landowner, is offering anything to motorists. The notices cannot, therefore, reasonably be construed as having created a contractual relationship between the Claimant and the Defendant. The above point was recently tested in the County Court at High Wycombe, in the case of Parking Control Management (UK) Ltd v Bull & 2 Others (B4GF26K6, 21 April 2016), where District Judge Glen dismissed all three claims, stating in his judgment that: *“If the notice had said no more than if you park on this roadway you agree to pay a charge then it would have been implicit that PCM was saying we will allow you to park on this roadway if you pay £100 and I would agree with Mr Samuels’ first analysis that essentially the £100 was a part of the core consideration for the licence and was not a penalty for breach. The difficulty is that this notice does not say that at all. This notice is an absolute prohibition against parking at any time, for any period, on the roadway. It is impossible to construct out of this in any way, either actually or contingently or conditionally, any permission for anyone to park on the roadway. All this is essentially saying is you must not trespass on the roadway. If you do we are giving ourselves, and we are dressing it up in the form of a contract, the right to charge you a sum of money which really would be damages for trespass, assuming of course that the claimant had any interest in the land in order to proceed in trespass.” While this is a County Court decision and therefore not binding, it is on all fours with the present case and may be considered as persuasive. A full transcript of the Approved Judgment for the above case will be provided in the event that this case proceeds to a hearing. 5.***** In addition, the Consumer Rights Act 2015 rules that if signage has multiple interpretation the interpretation most favourable to the consumer applies. It is clear from this the signage with the largest font should apply. 6.***** In the alternative, if it was held that the signage was contractually valid, it would be impossible for a motorist to have read the terms and conditions contained therein from a moving or stopped vehicle, and if the vehicle is stopped, the ‘contravention’ according to the Claimant is already committed. 7.***** The above point was recently tested in several cases regarding Hayes and Harlington station. There a similar situation arises as the vehicles were charged for briefly stopping but the signs are far away from vehicles and high up In all cases it was ruled that no contract was entered by performance as the signage could not be read from a vehicle. No transcripts are available but as PCM UK were the claimant in all cases they will be fully aware of the cases;*C3GF46K8,*C3GF44K8,*C3GFY8K8**,* 8.***** *The IPC code of conduct states that a grace period must be allowed in order that a driver might spot signage, go up to it, read it and then decide whether to accept the terms or not. A reasonable grace period in any car park would be from 5-15 minutes from the period of stopping. This grace period was not observed and therefore the operator is in breach of the industry code of practice. Additionally no contract can be in place by conduct until a reasonable period elapses. 9.***** Thus the signage is simply a device to entrap motorists into a situation whereby the Claimant sends them invoices for unwarranted and unjustified charges, for which motorists can have no contractual liability due to the terms and conditions not having been sufficiently brought to their attention. This activity is bordering on, if not actually crossing the boundary of, a criminal offence of Fraud By False Representation. my question is what do i do, do i ignore it and take it to court or contact the debt recovery company and let them know that according to my defense they are wasting their time
  17. guys what are the chances of getting a CCJ set aside due to the DCA admitting in court that they do not have a credit agreement? sorry for the lack of info, I'm in the process of gathering information as I am in a position to challenge the CCJ now thanks a lot
  18. Hi everyone! we bought an Audi A6 auto in September 2016 with a known gearbox problem. We found a gearbox on eBay (rare gbox code), and had it sent to us and fitted by our mechanic. It wasn't right and was leaking, the supplier took it back, repaired it, and sent it back out to us. It still wasn't right. Eventually the supplier said to send him the car (To Essex, we're in Birmingham) and he'd fix it free of charge. By this point we had paid him £1000 for the gearbox. He then said the ECU was a problem and to send him £350 to have the ECU repaired. He has now had the car since April 2017. I've called countless times, and when I eventually do get hold of him, he either says they're busy, or the latest one was that they've changed 3 gearboxes with no luck. I managed to get someone from a nearby garage to go and check that our car is still there. He said that it is, but that we should go get our car as it will just rot there. He said we're not the first to threaten the guy with legal or police action, and that no one has ever had any luck getting money out of this guy. Apart from our mechanics' labour, we're out £1350 to this guy. We obviously didn't know who we were dealing with initially. We have bought many gearboxes and engines from eBay and from breakers, and never had any issues. Paypal won't cover the money, as the transaction is over 180 days old. And it wasn't paid for by credit card, so I'm not sure what happens with indemnity. Do any of you have any experience with something like this? Is there any way of getting our money back? Thank you.
  19. Dear Forum, Just looking for some advice in order not to fall into the well-reported problems with cancelling DW Sports contracts. - Me and my wife each have a 6 month contract (which will run for 14 months if not cancelled) - Our contracts started in Feb and March respectively. - DW Sports terms and conditions allow for cancellation if you have a "change of circumstances" (Clause 12, Section 3) - We are moving abroad on the 15 June 2017 So, we did the following. Went to the gym where the manager got us to fill in the online cancellation form - we did this and got a cancellation code which we wrote down. The local manager said she would call me back on Mon 5th (today) as she needed to call the head office. She called back on Monday the 5th and stated that: Head Office had agreed to a cancellation and had actioned cancellation of the contracts for after the next payment on July 1st (this is acceptable to us although I'd prefer immediate cancellation). She could not provide us with a written receipt of cancellation and that if I needed further proof I would have to use the cancellation code and contact the head office. We should not cancel the direct debit as DW Sport would do that. Am I just being paranoid, or overthinking or should I really pursue them for written proof of this cancellation? I don't want to have to deal with any BS from this company in the future. Please advise on the best course of action. Many thanks in advance for your help! DW's Terms and Conditions under clause 13 (I mistakenly referred to clause 12 in my post above) allow for notice of cancellation at any time with a change of circumstances (13) You may cancel your membership: 1. by giving us at least one full calendar month's notice to cancel your membership to take effect at the end of a calendar month. During the first 14 month membership period the cancellation of your membership cannot take effect earlier than the end of the 6th month for a 6 month contract or 12th month for a 12 month contract ; or the 12th month for Home Club Memberships or memberships that are discounted or for contacts specified for a 12 month period. For Membership Renewal Periods (which are not applicable to Home Club Memberships), cancellation can take effect at any time by providing at least one calendar month's notice as stated above, even during the first 6 months of that Membership Renewal Period; 2. by providing notice of cancellation at any time if one or more of the following applies (a "change in circumstance"): 1) - you are unable to use DW Sports Fitness clubs because of a genuine and serious injury or illness which results in you being unable to use DW Sports Fitness clubs for a period of 2 months or more, and this is evidenced by reasonable supporting evidence, such as a Doctor's note; or 2) - you are made redundant or otherwise lose your job and provide us with reasonable supporting evidence, such as a letter from your employer on company headed paper or proof of entitlement to Jobseeker's Allowance; or 3) - you move house or your principal place of employment is changed and your new home and new principal place of employment are located more than 10 miles from a DW Sports Fitness club which you are entitled to use. Proof of relocation must be provided in the form of a utility bill, bank statement or signed tenancy/mortgage agreement . Other forms of documentation may be considered at the discretion of DW Sports. if none of the above circumstances in (2) apply and you are affected by other unforeseen extenuating circumstances, we may at our discretion (and on an individual basis) consider a request by you to cancel your membership. Any such request shall be made to the Membership Services Department on 0344 249 5300; or
  20. Hello, I made a lot of silly financial commitments about four years ago as I was working and in college, just turned 18 and assumed I'd be able to just walk into a job when I went to uni the following year. That didn't happen, and my student loan just hasn't been able to cover living costs and the debts I have. I've been trying to make payments as and when, but I realised that the charges I was getting on my accounts were more a month than I'd be able to actually pay them so, instead of being an adult about the situation, I just ignored it. I am now finishing uni in a few weeks time and have found a job and would really like to be able to start working towards being debt free but I've no idea what to do. My debts currently are: £560 to Lowell (o2 phone bill) I set up a payment plan with them about six months ago for £15 a month, even though it was more than I could really afford but was told it was the minimum they could accept or they'd escalate the situation(the idea of bailiffs at my student halls terrified me) but after some reading around I realise that I've probably been lied to. £1600 Simply Be £2000 Littlewoods I've no idea where to start with approaching companies and stuff, so any help would be much appreciated.
  21. Hello I am looking for some advice but couldn't work out how to create a new post? I joined a gymtec gym in May 2013 on a 12 month contract but became unwell late 2013, early 2014 I was diagnosed with Fibromyalgia I wrote to my gym cancelling my membership due to developing a disability and being unable to use the gym due to severe muscle pain, limited mobility and fatigue. I included a copy of my consultants letter confirming diagnosis and also informed the gym I was struggling financially due to divorce proceedings and now supporting myself and my step daughter on only my income. I heard nothing but cancelled my direct debit the following month in April 2014. I the recieved a letter in Jan from CRS on behalf of Harlands to say I owed £186 for unpaid membership fees and associated charges. I wrote to the gym stating I wanted to deal with them and explain I cancelled and why I did and included a copy of my original letter and the consultants letter. I've heard nothing and had another CRS letter threatening CCJ. I've emailed the gym again and stated clearly I had a material change in circumstances that prevented me from using the gym. What should I do next? Have CRS ever obtained a successful CCJ for gym membership? I can prove I am disabled and this condition developed and was diagnosed during the contract corresponding with my cancellation I can also prove I was struggling finacially at that point too due to the divorce. I was hoping to get some advice from Slick as he seems to be the guru on all things Harlands/gym related The threat of legal action feels very intimidating but can they really do anything? Thanks
  22. Hi all I know the answer would normally be "no" that we arent entitled to our deposit back. However, bear with me. We dont NOT want the car, we just dont want to deal with the dealership anymore. Myself and my partner went into a natiional garage to purchase a new Nissan car. When we went in it took over 4 hours, but they said that we could take the model that was on the forecourt, that was brand new. it was available as they were geting the new version in. He told us that they had various small upgraded features such as Chrome pack etc. I am currently 9 months pregnant and the wheel had just fallen off my 3 year old car, so we really needed to change it as I didnt feel safe anymore. We were happy with this car we paid a £1000 deposit to help us with the finance application. This was on a saturday and we were told we would hear back monday about how it went. Tuesday rolls around and we get told we are approved for finance and everything is fine and we would get the car in a day or so. However, they had decided that we were no longer getting the one in the forecourt because the manager had changed his mind due to there being more "upgrades than he realised" on the car. Therefore, the paperwork we had signed for the car we were going to get was not for the car we would end up with. he kept changing the dates and we had to continually chase him up. Long story short, he has changed the date we are getting the car 6 times. I am now due in less than a fortnight and we sTiLL have no car after being told it will be "a couple of days." Its been three weeks now. We keep getting the excuse they are "waiting for a government contribution" even though they have admitted that the dealership are messing up the paperwork and it keeps getting sent back to them. We have had to chase the guy each time a promised date rolls around about 2-3 times at least to get an update. They have also been very dodgy and for example, have tried to get ME to forge my husbands signature on DVLA documents for a trade in as the v5 is in HIS name. Then today he (the salesman) actually messaged me to ask how much the car was (for the paperwork) because he had forgotten. Half the paperwork handed to us at the dealership wasnt signed or gone over with us. I could go on and on, but I'm sure you get the idea. My husband called today and said we were no longer comfortable and wanted to cancel the car and go to another garage. He took the huff and said they would not be returning the deposit and that he didnt "know why we were so upset." I have put a complaint in with head office now, as we are getting nowhere with the dealership. Does anyone know what else we can really do for the timebeing? Thanks in advance!
  23. Hi, My ex (the mother to my son) has run away to Scotland (about 4 months ago) and left him behind with me and my girlfriend. We had a signed agreement (witnessed by a solicitor) that after a couple of months of moving up there she would pay £100 a month towards feeding/clothing/school etc, she paid twice then went silent, completely silent, doesn't even ring to speak to him anymore. So i got the CMS involved, I paid the extra to have it done as a collect and pay, as historically she has been bad with money. I know she was working as of two weeks ago, and had been up to that point at about 40 hours a week, but the CMS have claimed she should only pay NIL per week. I have the right to appeal, but I just want to know how? It might sound stupid and there is instructions on how to do it etc, but, I don't want to miss anything with this possible one chance to appeal and get it started. Can anyone advise on how and what to ask for them to do etc? I can't talk to my ex and I don't have anyone near her to see if she is working, but I'm almost positive she is, which is why I'm quite surprised they have come back with NIL. Cheers.
  24. HI I sent CCA to Lowells for 3 different accounts. I had no response this was in 2014. I have now received pre-legal assessment letters. I have kept the post office recipts as I sent recoreded with 1 pound postal order. I also sent to Bryan Carter as well. (he respoded was on hold until could get info) never heard back from any of the creditors until now??? How do I prove I sent CCA if it goes to court? and do I need to send another CCA as its been 2 years?? Any help thanks
  25. Thanks for everything you do here – I hope you might be able to help with Opos and Kapama. Although I've read lots of threads about them, I'm struggling with some particular parts of my situation. Brief background – in 2013, lots of foolish unaffordable payday loans to pay more payday loans, including a written off Wonga. Most now dealt with, with my credit file looking like it will be clear by 2020. A few monthly payments still going, including to Opos for a MiniCredit debt purchased by Kapama - notice of assignment issued in late January 2015. The initial Minicredit loan was £450, with Kapama/Opos demanding over £1600. I've been making £20 monthly payments for 18 months, and so have nearly paid the original balance. There is no default listed for MiniCredit on my credit file. The loan is listed as an 'advance against income' with Kapama as the lender and an arrangement to pay – with over £1200 outstanding. I've come to a point where I'm reviewing my financial situation in mind of - first, a reduced income coming up because I'll be retraining in a new career - second, I want to be in a position to get a mortgage when my file is clear. That in mind, the £20 a month is no longer affordable, but as a default hasn't been recorded on that loan, I'm really concerned Opos/Kapama would register one if I stopped the arrangement now, setting back my file several (important) years. Having read through forums and taken a friend's advice, I sent them an email last week referring to the FCA ruling regarding MiniCredit's lending (link not here) but have not received a reply. The crux of that was that if the debt hadn't been transferred to Kapama by December 2014 it should be written off –*they say it was, but I have the notice of assignment – which was sent by email at the end of January 2015. The main questions I have: Can they register a default now? Should/can I stop making payments? They're currently being taken from a debit card by Opos. How should I proceed? Should I continue to complain on the grounds of that FCA ruling? Do you have any contacts at Opos/Kapama better than the general enquires address? I know there's a bit of duplication there - but as I've paid back so much of the original loan, the credit file listing and the potential relevance of MiniCredit's shutdown, I'm really not sure where I stand. Thanks in advance – I really appreciate it.
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