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  1. Hi I have had an ongoing battle with Lantern (motormile) trying to chase for an alleged Lending Stream Debt. I have provided them with a statement from Lending Stream showing a £0 balance outstanding which they have ignored and i am now receiving threat emails from Wilkin Chapman's "Lantern Team" saying they can't discuss by email due to data protection. I have sent them the same statement i have sent to Lantern and i'm certainly not calling them. Is there a templated response to an email? This is what they sent me "Good morning Thank you for your e-mail, we can
  2. Long story - old outstanding debt with Lending Stream got sold to Asset who wanted to take me to court. I defended and was referred to mediation which I thought was successful. I have been religiously paying the amounts agreed since last August and now I am emailed by their 'accounts' department stating that they have not received my payment. The reference number also does not correspond to that of the original agreement. I have sent them PDF proof that I have made the payment and they advised me to contact their litigation team with the evidence. The email address th
  3. hi im new on here i could do with some help regarding brighthouse my marridge broke down 2 years ago and im not proud to say i had to use brighthouse for a tv fridge and washing machine my weekly payments are £48.00 i took out the tv and washing machine in june 2016 and the fridge november 2016 i kept up with payments until september this year when my hours at work were cut by 50 hours pm i contacted my store but they were very rude and would not lower my payments as a result i am constantly in arrears when i phone to make payment there is always a extr
  4. Apologies that this is a long post. This is my first time on any kind of forum. I have tried to summarise but my 2 1/2 year dispute with Npower over inncorrect bills been a complicated and very distressing process. I will be very grateful indeed for any advice on how to proceed legally through the Small Claims Court... We moved into a flat in Sept 2013 and when I called to give Npower the opening meter readings I asked to confirm what meter and tariff we were on. I was told it was an Economy 10 meter and noted down from the conversation that there were 3 cables which would give a
  5. 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,
  6. Hi I have a problem with this outfit, Phoenix Commercial Collections. I have read up on them online and they seem to be a dishonest lot. I had a litigation case two years ago (unrelated) which cost me a lot of money and my personal finances eroded. I ended up with some council tax debt. I got everything sorted in my life end of 2015 and paid off various debts. I had £2051 owing on council tax, which I paid in full in late January 2016. I have a letter from the council dated 17th Feb that states my account is clear. In mid Feb I get a new, out of the blue letter f
  7. Hello, I'm new to the forum and would like advice and / or to hear from anyone else who has gone through similar to myself, or even legal help/advice. I have been suffering sex discrimination in the form of harassment for quite some time now, its been protracted but constant over the last 3 years since I became a part time worker in a team of all male colleagues. I work in male dominated environment of construction and as the only female , part time worker in the team I feel harassed and victimised. Now, the harassment and discrimination does not come from my male counterparts but f
  8. Hi all! I have been reading through alot of threads to gain info. We have a problem with a builder, who was supposed to do approx £27k of work on our house. I will keep details sketchy as I don't want to identify ourselves. he was a cowboy, didn't do the work as he was contracted to do (we had no written contract, but the Surveyor had specified what needed to be done and how and the quote referred to "all works as detailed in the surveyor;s report). To cut a long story short, he has had two attempts to fix the roof, and has only made it worse both times, and i
  9. I have two questions, which I will ask after a brief explanation. I sold a house in London on the 18th of Feb last year and notified the council that there were new owners, and to bill the new occupier. I received a bill for the current tax year about two months ago. I wrote to them explaining again and asked them to confirm that it had been actioned. No reply, but another bill turned up this week. 1) What is the best way to nip this in the bud and can I threaten them with some legal recourse for harassment, when it is clearly marked on the Land Registry that it was sold on that date.
  10. Hi My son has previously been off school for quite bad illness and we are being harassed by educational welfare stating he is having too much time off school. We have supplied evidence of illness but they are still being pains in the backside. The last letter threatened a fine. Has anyone got a letter that will put a rocket up their backside and get them to back off? I have no problems with taking things to court if they need to get messy but i think in the first instance a letter should suffice. SFUK
  11. Hello Can anyone please tell me if I am legally obliged to inform tv licensing that I do not need a license. I had informed them via their own website by completing the declaration form. I did this about two years ago when my tv broke and I never got it replaced. I recently had a visit from one of them and told them again that I do not have a tv and didnt let them in. I have now recieved a letter stating "We want to ensure you have the information you may need before a hearing is set at your local court". I just wondered if I am legally obliged to inform them on a regular basis
  12. In January I had an appointment at our local hospital for back to back sigmoidoscopy and gastrosopy. Understandably I was extremely scared and when parking in a disable bay I forgot to put my blue badge up. It was the last thing on my mind. I was in the hospital from 8.30 to 11.30 and when we came out we pad the parking fee and I found I had a parking ticket from te private parking company I just ignored as a friend of mine did hen she got a parking ticket from them and after she ignored letters they seemed to drop it. I was justified in parking there as I had a
  13. My son keeps getting letters and visits from TVL he did have a TV licence before but since last year he has not been watching TV he only uses his internet. They are threatening him saying he is under investigation etc, he is getting really stressed out apparently they have evidence even though they have not entered the property, what evidence could they possibly have to stat with and what can he do aout this harassment? Any advice would be appreciated. Regards Mashmallow
  14. For 2yrs and 5months have been getting calls from SWEL and 3 DCAs trying to recover circa £1200. for some sort of service to a property in Portsmouth. Tracing by SWEL, EOS Solutions UK Plc, UK Search Ltd, and Ruthbridge Ltd. My wife was unlucky to marry into the same Mrs Firstname Lastname as a Miss Firstname Lastname (I believe a widow) and from what I can deduce same DoB. SWEL was notified by email and replied that they would remove our address from the account. There should therefore have been no need to respond when DCAs sent bills, as SWEL will have provided them with c
  15. Hello, I signed up for a years membership with Xercise4Less Leeds branch in October 2013. After the full year had passed, I emailed X4L querying what the cancellation process was I had moved out of the area and did not wish to continue my membership. I received an email back stating that I must fill out a form and send it to them, either by post or email. I did so and sent it back to them, I asked them for confirmation of receipt however no one replied to me. I waited a month before cancelling my direct debits. Since January 15 I have been receiving numerous calls a day, a
  16. im writing this on behalf of my sister shes a tenant in a shared accomadtion (Live out landllord) about to leave after numerous disputes with LL she took over the broadband/tv pacakge when another tenant left- i did tell her not to but the LL at the time assured her his agreement that she could deduct from the rent a new cotract was set up with virgin which the LL agreed t back in november 14, and everything was fine she deducted it from her monthly rent and he didnt have any problems with it come to last month she gives her required 1 month notice to leave and he starts ha
  17. I am a private house hold and have an ex-directory private landlines telephone with BT. I am 64 years of age with health problems. I do not run a business from home and this telephone number has been with me since 1966. On the night of the 24th October I started to get telephone calls from mid-night onwards which got picked up by the answer machine that I have no sooner the answer machine started the calls were cut off after giving a fax signal and then the process was repeated again up to seven or eight times call after call then after a twenty minute break it started again. Thi
  18. Hi Everyone, I recently finished the tenancy at a property and as per the norm agreed to a checkout at the end before handing over the keys. The checkout lady arrived on time. Before starting she made a call to the landlord (as had been requested to her before by him) and I overheard parts of the conversation. she said " yes cleaning has been done professionally as per receipts but not by the cleaners as suggested from the estate agency". Next she started her inventory check eventually taking 5 hours to do the whole check. She went over each point, one
  19. My Friend has found themselves in a large spot of bother and I decided to try a post here for some advice of what can be done to help him out. He is being seriously harassed and rather embarrassed by an Italian National who is 'hiding' in Italy. From what I understand, my friend runs a Computer Game Server where this Italian Gent got himself banned for reasons that don't concern or interest me (and that I don't actually know either). What I do know is that this chap keeps posting my friends personal details into the public domain without his consent. Repeated attempts to Ban Evade hi
  20. A couple of weeks ago, I received a message on my home number from MMF saying that I needed to contact them urgently regarding arranging a home visit. My partner rang them to say they had the wrong number and not to call again. Nothing since. Today, I got called into the office at work because they had left an automated message at work for me!! We have rung again and told them to take that number off their system. MMF did buy an old payday loan debt I had but I paid that and it is showing as paid and cleared on my credit file. It is possible that they've
  21. I think it would be sensible to start from the beginning.. My partner purchased some items 18 months ago from PC World (Creation Finance) on a buy now pay later 6 months deal. When the 6 months arose and we had to pay the interest was sky high which we knew it would be of not settling the account after the terms. We paid a few months, but due to myself falling out of work due to illness and my partner who owes the debt could not make ends meet we stupidly stopped paying the account. We did inform Creation that we were experiencing financial difficulties, but they only wanted the paym
  22. I think it would be sensible to start from the beginning.. My partner purchased some items 18 months ago from PC World (Creation Finance) on a buy now pay later 6 months deal. When the 6 months arose and we had to pay the interesticon was sky high which we knew it would be of not settling the account after the terms. We paid a few months, but due to myself falling out of work due to illness and my partner who owes the debt could not make ends meet we stupidly stopped paying the account. We did inform Creation that we were experiencing financial difficulties, but they only wanted the
  23. Hi, I am hoping for a little advice if any. I have currently been signed off sick by my GP since October 2013. To cut a long story short i was off 2 years previously with neck and back pain, i work in a call centre and after numerous visits to physio and an MRI i was diagnosed with cervical spondylosis and from C3 -C7 my discs were totally worn. After 5 months absence i returned to work but cut my hours down from 37.5 to 25 per week. Since returning ive constantly complained of being made to sit for long periods of time ( OH and the works private GP) had both put in reports that i must have
  24. Getting increasingly frustrated by the non stop calls from AK. Debt from about 15 plus years ago. AK were writing about once every couple of months in the last year or two, asking for my repayment proposal. I had been ignoring them, but decided to end it once and for all by requesting a copy of the CCA. Letter received from them acknowledging that no CCA could be found. I can't remember the exact wording (letter not to hand) but it was along the lines that no further action would be taken. This was a good 6 months ago. Out of the blue I have started t
  25. Hello Friends, I have had a recent bad experience with council. I had some overdue council tax, which I cleared upon being brought to attention, back in November. However by then the council had passed on my name to a debt collection agency. I explicitly asked them to inform the debt-collection agency that I have cleared the payment and there is no outstanding any more. Due to council's negligence, my name was not moved and the debt collection agency continued to send their threatening letters. It was so scary for me and my wife to read the letter.
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