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Found 23 results

  1. Hello Just wondering if anyone could give me some advice. About 5 years ago a debt I had was assigned to a DCA and a payment plan was agreed, the value of the debt was then £4750. THe DCA then decided to take me to court because I could not increase my payments they managed to get a CCJ against me for paying £20 per month. At the time the judge actually asked the DCA if they wanted to put a charging order on the debt and if so they could apply to do so. Despite my protests another hearing was established and the judge granted the charging order. The DCA also ask
  2. Hi guys, havnt posted on here for a long time but i am so angry about the way i was treated in my previous job i really need some advice: background in Feb i started a temp role in a call centre. the role was until the end of june but the company took on employees who had performed well etc. Because of this i worked 6 ten hour days for over 3 months with the hope of obtaining a full time job. the company also employed young adults aged 16 and 17. Having worked with young people before, i enjoyed sitting next to them and discussing their plans for the future etc. the comp
  3. Hi A friend told me about these forums and in desperation thought I would turn to here to see if I can be advised what's best. I work alone with my boss, there is only the 2 of us. Early 2016 I was asked to push a broken down car. Next day when I got up I could hardly move with pain and have been signed off since then. I have since been diagnosed with a prolapsed disc and severe sciatica which is absolute agony so say the least. I can barely do anything and am facing surgery to try and help it. I have a personal claim going on and my boss insurer has admitt
  4. Hello Everyone I've noticed there is plenty of threads in regards to memberships with X4L but every single one of them seems to have some unique twist on it after a long time of receiving letters from CRS and now spratt edicott I decided to share my problem. On the March 13th 2015 I started 12 month contract with X4L which I wanted to cancel before the contract ended as the membership started to hit my budget after a while. Unfortunately the process to achieve this was rather difficult with my only option to give proof of redundancy according to the first email I
  5. I lost an appeal in November last year and costs were applied £750 - I appealed and this hearing was heard within another hearing Civil Case on Jan 4th 2014 - The Judge awarded the claimant £7,123 - off which £5,000 of this was costs. He mentioned something about only allowing certain sum of costs. I could not pay - single parent on benefits and offered £5 a month - this was refused so I applied for a redetermination hearing which was heard in March 2014. I informed Judge I had a caravan old tower 1997 that I could sell worth about 2k. Advertised on 8 sit
  6. Please help me, I think i'm being a little thick here what is OSC, and if so can i caim back any money from it as i have been with Bright House for ages?
  7. Hi, I have read here that any acknowledgement of debt after the date of a default would reset the 6yr limit for statue barring. However, I wrote a letter in 2009 complaining that there was no alleged debt from 2007 and demanded that RBS remove the default from my credit reference file. RBS refused and I complained to the FOS, but was unable to provide sufficient evidence so the FOS didn't uphold my claim. Its now 6yrs since the original default, and Experian have expired it from my file. In 2009 I also wrote to Arrow Global asking them to stop harrassing me for t
  8. Hi there I have had my perfect home account for around 8 months and have two items a couch and a tv ( i no longer have the tv as it got broke and i never had insurance ) i was making my payments regularly with no problems until 8 weeks ago when i got made to go on the sick due to black outs , I let perfect home know and they didnt seem to care just kept saying in need to pay . I told them my wage will got from 1300 a month to 400 and that my rent alone is 550 and council tax 140 . I got taken into hospiatl and they called round to my house every night demanding
  9. I'm currently a customer of Brighthouse. I was late paying about 4 weeks ago. I contacted Brighthouse within a week to make a offer of payment and i was told it had gone to collections. They refused my offer of payment and are now constantly ringing me upto 12 times a day , they are visiting my property and they have threatened me with bailiffs and court action. I have paid in the past around about £150 in late payment fees alone and i have their service cover and insurance too. My 16 year old daughter is terrified to stay in the flat on her own as Brighthouse have sent to aggresive blo
  10. I currently work in Scotland as a paid Community Development Officer although the board of directors who employ me are all volunteers. Prior to taking up this post I led a busy administration team for a private sector company before I left the firm having accepted a compromise agreement arranged by my former line manager. I should also point out that I previously raised a grievance process against my line manager and although my complaint was upheld, there was ultimately no change in his behavior and I reluctantly tendered my resignation at a later date. Since leaving
  11. Hello, Can someone please help me - I am being chased for monies by MBS Recoveries. Money was taken out on my name by fraud and 5 years later I'im hunted down to pay the shortfall after the house was sold at auction due to repayments not made. I'm in dialogue with the bank and the Ombudsman - but im still sent letters demanding payment. I told them my situation and was left alone for a while. A week ago a Private Investigator turn up - he was apparently looking for me - i was still exactly where i was the previous time - same work same house. Can they legally persue me if i
  12. Hello, its difficult for me to share this as the whole idea of being accused of this makes me feel physically sick. I've never been accused of anything like this before and it having a pretty devasting affect on me. I just cant imagine what will happen if i lose my job over this. I hope i can get some info or feedback from you guys as i really am devastated. So the situation is.... I was called into a meeting with HR on Wednesday and suspended due to an allegation of sexual harassment against one of my work colleagues. I wasn't given the details of the incident but i know which incident they
  13. Hey everyone, first of all, apologies if i am reapeating what has already been posted on here, but im new and its hard to pick out the relevant imformation sometimes, so im posting from my point of view in hopes it will be clearer for me! Here goes...... I took out a loan with welcome finance around 4 years ago for £1000. I paid them regularly each month, for about 6 months then i borrowed another £500 and continued to pay regularly. Around 3 years ago i asked for the payments to be reduced as i was having some financial problems which they agreed to. Af
  14. Just a thought , as these speculative invoices are not something that could stand up in court , is there a case for harassement here if these beggars keep on sending them?
  15. I have been unemployed for sometime now as I am Disabled. I reduced my payments to provident to a token payment. The Agent stopped calling as she said it was not worthwhile for her to pick up my token payment. So I arranged to send my agreed monthly token payment to my local branch, I have been doing this for over 2 year now. But over the last 6 month I have received letters from provident telling me I have missed payments on my account, These letters were signed by my local office but when I contacted my local office they said the letters are sent out automatically from head of
  16. Hi Guys, Would be grateful if someone could maybe clarify the following for a friend of mine, Mark has worked for the same company for 6 years with a completley clean record. One month ago got a note to file for bad customer service due to a complaint which he was not allowed to discuss or argue his case, no investigation done with other team members, this he was told he had to accept and that if this happened again would result with possible disciplinary action. He had grown a moustache and was told he looked like a peadophile and other members of staff made to vote on whether t
  17. I started making payments to Lowell, for debts they have bought, they matched the relevant account numbers/amount owed for the debts i know that i owe, and now they will not stop ringing me, 5 times this week everytime its gone something like this: Lowell: Hello, this is from Lowell, Can i speak to ? Me: Can i ask what this is regarding please? Lowell: Its a Personal Finance Call. Can you confirm Address/Postcode please. Me: I will not give out my personal details over the phone, if you need to contact me please send me a letter. i am very much regretting acknowledgin
  18. Hi all, Firstly thank you for reading and thank you for any help or assistance you can offer! I've been having a very tough time at work most recently which has lead to depression and me basically wanting to leave...after all my health is more important than my job. its a shame since I've worked for the company for over 3 years...worked my way up from Graduate level to a fairly senior position. Prior to this I loved my job and the company is a well known operates throughtout the UK. Firstly I have had ongoing 'issues' with my boss for some reason he has a dislikely to me..
  19. I have a loan with them for about 120 that was due on the 30/11 - 2 days ago. I also have 4 other loans, 2 of which i am on repayment plans for. In total i owe about 1500 to these companys and i currently earn about 120 a week so as you can imagine im finding it hard to pay them back. Anyway i told 247 moneybox the day before it was due that i wouldnt be able to pay it is there any chance we could make arrangememnts for a payment plan, to which i was told to leave it until it had gone into arrears and then phone up. Well i dont want to do it over the phone so i asked for an email adress, they
  20. Hi everyone, I have been having alot of problems at work for around a year and a half and in March I was verbally abused by my work collegue whom also pushed me. I put a grievance in following which was upheld, yet I have still been kept off of work for a month so far until the situation is sorted, yet the other individual is still at work. I have been treated differently and even the manager has been treating me badly she doesnt even talk to me anymore as she is very good friends with the other individual and it is a small company. I have told my manager previously about other situations
  21. Hi everyone, I hope someone can offer me advice regarding below. I started my new job on the 1st of June 2010 and was subject to a six month probationary period. Being a car driver was a ‘desirable’ element of the Person specifications - and not ‘essential’. Nor was it asked on my application form (have copies of both documents). It was raised during interview in which I stated a pay rise would help facilitate driving lessons but nothing more than that really. August 24th I have supervision. Asked about driving, spoke about options – ‘TARGET’ date of 1st March. (have copy of
  22. Hi cagers, I have an MBNA Virgin card with £5000 on it. Lost my job and was out of work from august till now and i wont get paid untill the end of this month. I informed MBNA of this and that i would not be able to make a payment until the end of this month. Now i am getting bombarded with calls from them and have stopped answering but still they try despite them being fully aware of the situation and the fact they WILL get paid on the 29th Oct. As a result i have decided to see if they actually have the correct paper work and do a CCA request. Does anyone on here know a good contact name
  23. Hi. Need help with writing a letter to my landlord, things have gone too far now. Briefly, I am late with my rent by 2 weeks, it is a periodic tenancy; I have lived in the property for over 5 years now, it is not first time that I am late but as far as I am concerned it was not a problem as never received a single letter about it. My landlord begun to threaten me to change the locks, to 'blacklist' me, as well as making sure that I will not be able to rent again from local letting agents by giving bad ref; it all started about a month ago. At first I tried to explain to him that for the past 3
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