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Found 33 results

  1. I was enrolled on an advanced level 3 Ict apprenticeship working for xxx. In my interview I was told that I would be building computer systems, installing and maintaining software and dealing with computer repairs. I was also told that up until Christmas time I might have to work in the warehouse for one week every month as they were understaffed in that department. It was November at the time and I agreed as I was desperate to find a placement and this company seemed perfect for what I wanted. I signed a contract with them saying that I was to work there for 12 months and that I was entitled to an apprentice wage. From the moment I started working there I was kept inside the warehouse, lifting heavy computers and emptying cardboard and plastic bins. I didn't do anything technical for at least a month. The only reason I was allowed a couple of days of building computers was because everyday I was complaining that I was an IT Apprentice and this was not what I had signed up for. When the time came for me to go to college for my IT assignments, my manager at the time told the college that he was not willing to let me go and therefor I missed out on almost a whole months worth of training. A few months later my manager was fired and a new person took his place. I was told that I would be able to do all of the jobs promised to me in my interview and that I would no longer work in the warehouse. I thought that would be a turning point and so I decided to continue my employment working at xxx. Every now and again my new manager would put me into the building side of production but only if I kept asking him. He kept saying that there was not enough work for us and that is why I had to stay in the warehouse. Three members of staff had left their building positions and I asked to be moved into their role but again I was told that there was not enough work and therefor I had to remain in the warehouse. Shortly after, the boss hired three new people to fill the roles. I was unable to gather any evidence for my assignments and I was also unable to have my apprenticeship assessor come in to watch me working. Whilst I was at college I completed all my assignments (some of them had to be done in my own time) and received distinctions in every one of them. I also went out of my way to take on additional assignments and MTAs as I wanted to get the very best out of my apprenticeship. I had also planned to go onto higher education afterwards and I had an agreed plan with Newcastle College that I could enrol on a Foundation degree on the agreement that I finished my apprenticeship. Three months before the end of my apprenticeship, my manager has claimed that there is not enough work for me and has said that he is terminating my employment. He gave me about a weeks notice and also said that I owed the company a weeks worth of pay. When I asked how I owed them this they said that they had taken my sick days away from my holiday pay. They were terminating my contract and therefor I was not entitled to the full amount of holidays that was agreed to in the contract. As I have been unable to finish my work placement at xxx I am unable to go onto a higher education course, I am unable to pay my rent and bills and I have not received any of the training that I was supposed to. The health and safety at xxx was a complete joke and I believe that they had no intentions of training me as an IT apprentice at all. I have wasted nine months working at that company and in that time I have received zero training. There are a great many other complaints I have such as the lack of health and safety and making us work outside of our contracted hours for no extra pay. I am wondering if there is anything that I can do right now? I have been reading up on apprentice rights and I believe that I have been unfairly treat and unfairly dismissed. I believe that because they terminated my contract early on the basis that there was not enough work (which there was) I should be compensated for the full duration of the apprenticeship contract. I am now left in a position where I cannot complete my apprenticeship and therefor I have nothing to show for all my hard work. As I don't have the training or experience that I was supposed to have, I cannot find employment working anywhere else.
  2. Hi - pls bear with post as I have included everything financial and personal that I believe to be relevant, there'll Be quite a lot My name Jason I'm 35 yrs old and am going to just say it all straight as I don't know what else to do, some will not approve of me but I understand that, I just would limestone factual advice I separated from wife nearly 5 yrs ago with around 4-5 grand of credit card debt, all mine not hers I have been in recovery now from my drug addiction since April 20th this yr The reason I am saying this is this is how I messed up, I abused prescription medicines for 6+ yrs resulting in a huge benzo ( diazepam addiction) these were not prescribed, I chose to buy them towards the end of an unhappy marriage. In my teens early 20s I had been a recreational drug user, I started again during my marriage and started buying prescription medication through the Internet from abroad. I used daily and developed a strong addiction which would costs £100 - £300 per month which I in my insane state payed for with credit cards The products I bought were all benzo which has to be prescribed in the UK, from abroad I could use my barcleycard / hsbc and many more to buy and run up huge drug debts which I owed to all my credit card companies - hsbc, barcleycard, about 8 cards in total I fell into the usual trap of jumping balances from company to company to try and gain intrest free periods, whilst in my state I also admit to spending unnecessarily as I wasn't well / with it. ( I'm sorry it's all my fault and really appreciate any body reading and replying, I don't ask or expect people to understand) My marriage ended in Jan 2010, this is where debts started to spiraled up to the region of about 22k including hsbc overdraft Come Jan 2013 I had already met and moved in with new partner, I was a mess, I one day walked out of my job (retail manager) which I still hold now somehow!! I went to doctors and blurted out my life… Without too much detail I was taking a elephants sized amount of diazepam, I was now buying from UK company who ships the next day 1000 x 10mg tablets for just under £200 ( the reason I say this is I want u to understand how bad this was) Local Gp cannot deal with or allowed to manage this size of dependency, was even more shocked when I showed him on his Internet how I could order and pay for class c drugs using UK credit cards for such high volumes of illegal drugs (it's probably not relevant but the company's I used still exist now which I can show, they no longer take cc only bank transfer which was an ongoing battle with cc, barcleycard worked everytime ) Come my breakdown it was 2 fold I had to get rid of debt payment far beyond my salary ( obviously always payed my rent and had no debt with councils only with banks and cc) On Jan 25th 2013 I cut up every card I owed and destroyed so I could never use again, plus nobody would give me further credit so I knew I was stopping this access, for personal side I started a rehabilitation programme. I was off of work but still employed for 2 months, my company believed it to be depression I destroyed every bill, threatening letter as they terrified me, this is all my wrong doing but it's done now. I had people come to the door but I hid, at least 2-3 debt collection letters daily and constant phone calls and harassment that I mentally couldn't deal with. April 20th this yr I finally finished my program and am still in recovery now, I worked hard to ensure I never fell behind on any bills, child maintenance and omehow held my job, in 2014 towards the end I had one last melt down where ccjs appeared (which I stupidly ignored) I am currently paying £40 per month to hsbc for one of said mentioned cards which I negotiated to avoid attachment of earnings which they applied for at £70 per month. Next came barcleycard £8500 and I again just hid from, when I got the ccj I defaulted as where I hadn't followed any procedures they obviously ruled in favour and demanded £350 per month which of course I can't pay I have now been issued a Notice of warrant of control from the people who bought my debt many times over. I am now trying to make things right but can't afford the £434.58 warrant plus the now £8436.75 balance I have until the 20th before bailiffs visit and may remove my goods for sale. Now I'm trying to do right and support my recovery I want this to go away, I have a couple of questions and then any advice that may be offered would be greatly reviewed, I need my car to support my maintenance of my 8 yr old son for access, school runs and my own work, this is all I have of value except for what is classed as luxuries - tv, games system, my lads got all his stuff in his room. THANKYOU FOR LISTENING, IM SORRY ITS LONG BUT I WANT TO TELL EVERYTHING Q1 - my debts are 70% roughly drug debt, is there any morale high ground I can use to protect my family? I only ask as it was the usual situation that my limits kept getting raised for me to buy illegal substance, do the lenders have any responsibility over where I used my cards? Q2 - if it wasn't for balance transfers and increased credit limits on cards and overdraft I would of melted sooner but my spending was supported by the lenders, my salary took home £1500 roughly on a fully overdrawn hsbc account each month to its limit of £2250, again is that not classed as unreliable lending? Q3 - Any advice on anything I have mentioned would he amazing Thankyou for listening Ps - just another fact incase it helps is my divorce went through in Oct 2010 for which I claimed nothing of the house I Owned, I signed everything to my wife and son so not to cause upheaval on my son's life. I invested but took nothing as it was the right thing to do, I was the issue.
  3. Hiya Partner had a cap1 cc many years ago. It was on a DMP back in 2008, but due to becoming unemployed was unable to maintain it. Apart from an initial letter from them over 5 years ago there has been absolutely nothing from them since. Had a letter from Wilkin Chapman Solicitors a few months ago acting for Arrow Global, but due to not knowing who they were it was duly ignored. Received a claim form from Northampton bulk centre (dated 22 Jan) have acknowledged and ticked defend all. CPR 31.14 to Solicitors and have received this reply: We acknowledge receipt of your undated letter. We can confirm that our client will need to obtain these documents from the originating creditor and therefore it may take up to six weeks for us to obtain the documents. Please be advised that we will agree to an extension of 14 days from the date we serve you with the requested documents to file your defence. We will refer to you once the documents have been received. So what do I need to do now? Defence needs to be in on Saturday. By the way CPR was for cca, default and assignment. Its a pre 2000 cc so I cant see them producing an agrrement. All help greatly appreciated, Thanks
  4. Hi. In 2007 my husband died, we unfortunately had no life insurance. Our mortgage was with GMAC RFC. Without my husbands salary I couldn’t afford the mortgage, they were charging me massive interest rates etc After a year I did a voluntary repossession. They then sold the house at a massive under value and DMS are now chasing me for a shortfall of £107k. I am a single mum who is surviving on benefits now in rented accommodation. I obviously don’t have the money they want. As I was in the accident that killed my husband, I had horrendous life saving injuries and it has taken me a long time to get on my feet but I received a personal injury settlement. However this was not a large amount and I have since paid all my debts to others and which has left me with nothing. What more do these people want? I have lost my husband, my health and my house. 6 years on they are chasing me. I want to try to get on with my life but obviously can’t. What are my options – do I see if they will accept a really low settlement offer or do I let them take me to court and go bankrupt (I have nothing to loose as I have nothing) or do I start to fight them (or the original mortgage company) who sold the house for far less – I have copies of valuations that I had done that were between 80k and 130k more than what they sold for and other smaller properties on the street sold for more and the house is up for sale again at a vastly higher price without any major work being done to it? It is hard enough losing your husband trying to survive with two young children without having to go through all this as well. I don’t have the energy to fight this and will take the easiest stress free option but I have nothing and do not want these parasites to be involved in my life forever. Any advice really very appreciated.
  5. My son has received a requisition to appear next week for a car he sold almost a year ago. He works away & lives out of a backpack moving rooms sometimes many times a week, so he's really good at actioning paperwork when he gets it before it gets lost. Knowing this he is adamant he posted off the v5 but hasnt got any proof of posting etc He wants to plead not guilty.. but the court is nearly a 400m round trip and getting a day off is hard and the travelling costly .... isnt it always... but he's sure he posted it. I've searched the threads and we've drafted a letter to DVLA........... Can anyone advise please? Dear Ms Wooley or to whom it may concern, Re: Requisition for Failure to notify change of keeper motor vehicle xxxxxxxx on xxxxxx for xxxxx. I am writing in response to a Requisition to attend xxx Magistrates Court at xxxx on xxxxxxxx to answer to the charge of failing to notify change of keeper of motor vehicle xxxxx. I will be pleading Not Guilty to this charge as I consider I have no charge to answer as I have already sent the documents to you. I surrendered the V5 document to the vehicle to the DVLA as required by law when I sold it last year. This was sent to the DVLA by first class post to "DVLA, Swansea, SA99 1BA" as instructed by section 8 of the V5. With regards to this my responsibility ended as soon as I relinquished control of delivery to the UK Postal Service as stated in Section 07 of the Interpretations Act 1978. ******* would adding this bit help or just not bother..... I cannot recall the exact date I returned it as this is almost A YEAR AGO, but I do remember posting it a few days after selling it when I returned from a visit home. As I work and live in a ****, I have learned to deal with paperwork straight away as I have no fixed staff quarters and move frequently. Ironically, it seems that this paperwork has still been lost, but not while it was in my hands! Even though the court is nearly a 400m round trip and will be of considerable time and expense for me to attend I intend to enter a not guilty plea and claim costs as I am adamant that this was posted by me within a few days of sale. ******** Yours etc Help would really be appreciated thank you! Court date is next week and with everything else thats happening we could really do with some advice Thanks, Molly
  6. hi i recieved a 7 day bailiff notice about 3 weeks ago from marstons regarding two court fines totalling just over a thousand pounds, i rang marstons and asked for a payment plan which they refused, said i would have to pay £342 now and then would have 4 weeks to pay the remaining 800 which i just cannot afford, i am a community carer and without my car woul simply be unable to work is there anything i can do to resolve this that would suit both parties? any advice would be appreciated thank you p.s the bailffs have not yet visited the property
  7. Hi, I'll post properly about my own little PDL mess in a moment, just frantically searching for a template... I've seen it somewhere - QQ phoned me at work today. The only number for my work is a shared line - I never answer it, it goes through to the enquiries office. Can I request they remove that number from their databases? Having a small panic attack.
  8. Hello all, I was pointed this way by a few concerned friends when I showed them a letter I had received yesterday from Hamptons Legal, (on the back it said it was from Lowell) regarding a debt from a catalog (Littlewoods-Shop Direct) totalling £600+ from about a year or so ago. Now at that time I was in Scotland, but due to domestic issues with my partner we split and I moved back down to my family in Hampshire around the start of April this year. In the madness which ensued, and the fact my partner was paying this off (He stopped since and failed to inform me) I thought all this had been resolved. I acknowledge I owe this money, since it is in my name, so upon receipt of this letter which threatened the usual (bailiffs, CCJ etc) I called Lowells and tried to explain and make a workable payment plan. The woman who answered was rude, aggressive and kept talking over me, demanding I set up a direct debit immediately to clear the debt, not listening when I tried to explain that I am alone and on Income support with 2 young children to support, and that paying £600 in one go just wasn't a possibility. I tried to explain if she would be willing to send me payment slips, I would pay them £50 a month until the account was settled. "We don't do that anymore, so I want your bank account details so I can set up a Direct debit" was all I got in response. I explained again that I wasn't going to give her my bank account details over the phone. When she ignored me again after I re-explained my situation to her and that I don't have that much money to pay in one go, things got a little heated when she demanded my bank account details for the 4th or 5th time and I ended up throwing a few choice words her way and hung up. Since then I have had nothing but bothersome phone-calls demanding I pay up via direct debit immediately, or they will send the bailiffs out to my grandmothers house (which is where I am currently living) to "recover the debt". I am more than willing to pay the amount owing, but I cant afford to do it in the lump sum they want me to via direct debit and i have a sneaking suspicion that had I given them my bank account details, I'd have had a very angry phone-call from my bank this morning. Any help or advice would be greatly received right now, because I'm frazzled and have no idea what to do now. Lise x
  9. I have been having some trouble with a past debt from 3 mobile, I have looked through lots of threads to find out what to do, however most of the advice has gone over my head. The original debt was with 3 mobile 5/6 years ago for a cancelled contract and was sorted with Moorcroft (who I believe are 3's in-house comapny?) This was paid off however some time later I was contacted by red/lowell saying I owed a greater amount of money and they wanted paying. I refused to accept that owed anything, asked them to prove it (which they didn't) and proceeded to ignore the ensuing bombardment of calls and texts. This has gone on for a while, with them at some point finding out my address and then beginning to send lovely letters as well. On the incredibly rare occassions I have decided to speak to them I have asked for proof of the debt which I haven't received and have continued to ignore them. Recently Hamptons came on to the scene and then 10 days ago I received a letter regarding them persuaing a CCj. Whether wisely or not, I emailed them today continuing to deny acceptance of the debt and to ask for proof of both the supposed debt and the supposed charges. The original debt I was believe was for around £80 (paid off) and the current sum is in the region of £370. I was hoping that someone may be able to provide some idiot proof advice (and I mean idiot-proof) to me regarding this matter. Sorry for the long post but thought it best to give as much information as possible. Cheers, Josh
  10. Hi. I have sent a cheque (from a friends cheque book not from myself) as an offer of full and final settlement, the company has sent the cheque to a debt agency which now say they are now Administrating" the debt, but that is a side issue, the issue is that in the letter that I sent to them (with the cheque) when I made the offer, I stated very cleary that they do not have permission to bank the cheque unless it is in acceptance of the full and final offer. They have banked the cheque, and sent me a letter demanding payment of the rest of the debt otherwise further action will be taken. Please can someone advise on the leagality of the situation. Thanks nohappybunny.
  11. Has anyone heard of this happening to others since the transition of Abbey over to Santander? I set up an online 'Easy ISA' with Abbey back in 2006/2007 and used to manage it online via a passcode. I remember going into an AN branch one day back in 2008 and they couldn't find this account on their system, I was told because it was an online account only. I was reassured when I went home and logged in to my online banking, that I could still see the ISA. A couple of years passed and the name obviously changed to Santander, bringing about a new online banking system/interface. I forgot the log in details and didn't try and log in until recently. I requested new passcodes etc from the same branch (who still couldn't locate the ISA on their system) and now I've been able to log in again, I am horrified(!) to see no evidence of this ISA or any of my other account details prior to two years ago. I've logged this with their customer service ISA department, who wrote back to say they haven't been able to find it. I know it was there, with about 7k in it!! Even if they had provided acknowledgement that this ISA was once open, (with nothing in it even) I would be reassured...but they are saying they can't find it at all. I feel like I'm going mad, but I'm quite intelligent(!) and know I had some money in there. I've now logged this with the FOS but what else can I do?! I'm gutted! Stacey
  12. Hi, I am wondering if anyone out there can give advice on an issue dealing with Cabot. After reading on here about them they seem anything but legitimate! My mother took out a loan in 1989 with a company called Morely for £5000 plus some dodgy insurance which bumped it up to £7080. She ran into difficulties paying it early on and there was an agreement over the phone that £30 a month would be paid. This continued up until 2002 when suddenly Cabot contacted her say she owed in excess of £52,000 with all the intrerest charges. They obviously had bought the debt and as it was secured on the house decided to go for that. Six months of wrangling saw them reduce it as a 'customer benefit' to £35,000. She was also asked to pay £160 a month which she did. Eventually, struggling as a pensioner, she told me about it in 2007 and after a trip to the CAB it was down to £9,800. This still seemed wrong but the CAB said that the best thing was to keep paying it and not to risk losing the house. On re-examining the paperwork I have realised that Cabot have no real idea about what is owed if anything. They claimed that the only way to refinance the loan was to take the original £7080 and put a 5% interest cahrge on it. This took place in 2007. This means the £3,000 plus paid before 2002 and the £7,000 plus paid between 2002-2007 has just been 'lost'. Not right surely? How can you re-finance the original loan from the original 1989 amount? We should have looked at the paperwork more closely but we took the CAB advice which I now realise was not really good enough. Obviously there is also the last four years of payments so in total Cabot have taken about £15,000 on top of the original monies paid. Does this seem wrong to anyone else? We have stopped paying them altogether now and are awaiting a reply to a letter stating we would not be sending any more money, but I fear that my mother has been taken for a ride by the company and as they will not respond to any contact from our solicitor in the recent months and the fos are being very pedantic about this before accepting we have a case, the chances of getting any money back from them is remote. Any thoughts or help would be appreciated
  13. good evening. i have just recieved a letter from the marston group demanding full payment of £615 for a magistrate fine. As a unemployed person who is unable to claim any benefits apart tax credits due to the wife working, there is no way i can pay this. i have been informed by the court i am in the arrears my £60.00. I paid the arrears to the council before recieving the letter from marsons but the magistrates say the payment was to late. I have spoke to marstons who are not interested in my lack of money and say a bailiff will attend within 7 days. i have sold all the items i own to my mother inlaw via ebay for £1 which will show marstons that if they call they would not be able to levy on any good as thier not owned my me etc. Am not unwilling to pay the £30 a month the court want but with more money going out than coming in am stuck. is thier any way i can get this returned back to the magistates and does anyone have any template letters i can use to write to the court explaining my situation etc.
  14. Firstly, Hello and thanks in advance for any help i may get. 7 Months ago i bought a PHILIPS HQ7340/17 Rotary Shaver Product code: 074409 £79.99 from Currys, Unit 1A, Stadium Retail Park, Wembley Park Drive Wembley HA9 8TS it was a lovely day and i was on my motorbike so i went for a ride and got home around 9pm. When i opened the box it had a european plug attached and as i live in Wembley i couldnt use it...i went back the store and complained and they said sorry but wouldnt give me any reason why the item couldnt be used or why there was no clear indication on the advertising that you needed a secong european socket.. i wrote to Currys and Emailed and also phoned but to no avail, so i got on with my life, untill that is today....i got back from a little trip away and realised i'd left my razor Off i went to Currys in Wembley and sure enough they had the razor, but it still didnt say anything about needing a extra plug.............SO ME: hello i'd like to buy this Currys: ok thats £79 ME:does it come with a british plug? CURRYS: Yes ME: Could you open it up and check Currys: Erm , Erm, Yes why not ALL OF US LOOK ON: CURRYS: oh, no sorry, its a european plug ME: what would have happened if i got home and couldnt use it? CURRYS: yes, thats bad ME: thats ok, ill take it if you give me a free european plug CURRYS: we cant do that ME: can you get your boss plese ....................................................................... Scene 2 Act 2, the boss appears.............. ME: Hello, this razor will not work in the UK with the socket attached CURRYS MANAGER : we can sell you a Socket. ME: I'm sure you can, but idont want a socket, i want a razor with a british socket attached to the end so i can get a shave. CURRYS MANAGER: then theres nothing we can do for you ME: Do you know that these are no good unless you live in Europe? CURRYS MANAGER: they are good if you buy a socket ME: Ill have it for free CURRYS MANAGER: well we are not going to do that and if theres nothing else i'm afraid i'm busy ME:-x: did you know its got a foreign plug on it? CURRYS MANAGER: yes ME: it doesnt say on the box i need another socket CURRYS MANAGER: it also doesnt say you dont need one Touche Currys Nemesis ......Touche ................................................................................................... Act 3 Scene three, the meetings of the minds ME: are you really a manager CURRYS MANAGER: yes ME: and you know it wont work in my house? CURRYS MANAGER: it will if you buy the socket ME: Were on the box does it say i need a socket CURRYS MANAGER: Touche Customer, Touche ( this didnt happen, it was in my mind) CURRYS MANAGER: it doesent ME: Thats clearly a misrepresentation CURRYS MANAGER: why ME: becuase A: i need a second plug to use the razor and B: it doesnt say so on the box CURRYS MANAGER: it could look like that ME: yes, yes it could CURRYS MANAGER: can i help you with anything else ME: yes, do you have the socket i need to use the razor that doesnt work unless i but it? CURRYS MANAGER: yes ME: could i see it? Manager gets me the socket and i place it on top of the razor.... CURRYS MANAGER: would you like to buy it? ME: No, i just wanted you to see how easy it was to put the second item next to the first item and with maybe a little note attached saying something like...........erm i dont know lets say............THIS ITEM WONT WORK WITHOUT THIS SECOND ITEM. CURRYS MANAGER: I can see how looks ME: really anyway i take her name and her boss's name and explain i was in the same shop six months ago and was sold a razor that didnt work unless i bought a second universal socket is it me people or are Currys breaking some law on false advertising Many thanks The Hooded Claw
  15. Hi there, am a newbie so please forgive if I have posted incorrectly I would really appreciate some advice regarding my situation, which I will explain below My husband lost my job in May and immediately contacted Lloyds TSB to see if they could increase the overdraft at all as we were due to incur bank charges for going over the overdraft the previous month. They agreed to increase to around £600. We were told by the bank, this was not to help us out out, but was to cover the imminent charges and also to cover more charges that were due the following month! We felt we had no choice but to agree and the condition was the overdraft was to be reduced by £24 a month until it was back to the original £200 overdraft. Unfortunately we had trouble with JSA (another story), Husband got a new job, then was laid off again! He now have a new job as of two weeks ago but the account has not had regular income payments since May and with their reductions of the overdraft the account has incurred charges which have been unpaid, plus another reduction and more charges. It now stands that the agreed overdraft is showing as £526.00, but the account is £832.97 overdrawn. It is due to continue to be reduced, but as it is now £306.97 over the overdraft, we are incurring more charges daily. We are having his new wages paid into another account, so Lloyds don't swallow it all up. But I really would like to stop the charges to stop it spiralling out of control and we could begin paying it off. I really don't know where to start with this and any advice would be really appreciated. Can I ask for the account to be frozen and no more charges applied? Can I refuse to pay some of the amount that is their charges? Thank you in advance
  16. Hi all I am very new to CAG, but have had some great advice so far and from reading other posts I have got lots of advice and I am working hard to tackle debt problems. Advice about what I am to do now I have voluntarily surrendered my car would be most appreciated. After reading other posts and advice I am not sure we did the right thing, I had not discover CAG prior to my action! Didnt know there was surrender or termination and still not sure if I had a choice. I suppose it is done now anyway, I surrendered the car, but I am not sure where I now stand or where to go from here. My partner has lost his job twice since the beginning of the year, he now has a new job just a couple of weeks ago, we have two children and I am a second year uni student and work part-time. As a result of his job losses we have got into a state with various bills, loans etc and were struggling so badly in private rental that we have had to move in with my mother. I was getting very anxious about the car, advantage were constantly hassling me on the phone at home, work and mobile. I need a car to get kids to school and me to uni and my sister-in-law said we could have her old car that she was going to sell, if it helped us. So we thought the best thing was to give the car back to save being taken to court which scared life out of me. I purchased the car in 2009, purchase price £4000 we paid a £250 deposit and got finance from Advantage Finance for the rest. Total credit provided was £8,548.84 It included gap insurance. The car was voluntarily surrendered last month and our balance with advantage was £5,135.82 From a statement sent after I had surrendered the car!, I have since discovered it includes loads of collections charges for the issue of letters and texts ranging from 50p to £50 They have sold the car at auction and I have recieved the following letter Further to the repossession of the vehicle under the agreement, you are advised that a shortfall of £4,174.82 remains owing on the account. (Was definitely a surrender not repossession, signed a form to surrender) This account however can be settled on or before 27/09/2011 at £2,951.26 If you are unable to comply with the above, or wish to make arrangements for more time to pay, please contact the office upon receipt of this letter so we may discuss the account in full and arrange a mutually acceptable arrangement to resolve matters. Should you ignore this letter your account will be passed to the litigation manager to recover the full debt outstanding through the county court. I understand that I am liable for the money after surrendering car, but what I need help with is there any way that I can reduce the amount I owe?, seeing as I feel gutted they got hardly anything for the car and I am virtually paying the full amount despite not even having the car. can I ask for the charges to be removed from the amount owing? If they are offering a settlement amount is this because they cant pursue me for full amount? If I am liable for full amount, how do I go about making an offer? does it have to be by phone? how much is reasonable monthly amount to offer? Lots of questions, sorry am in a right state about it, any advice gratefully appreciated Thank you in advance
  17. Hello, I recently purchased some ink cartridges on eBay. They were listed as a 'new and unused item' with the details explaining that they had been purchased in error so 'open pack' but 'cartridges still sealed in pack'. The ink cartridges arrived and each had been used, or at least inserted into a printer enough that each seal/nozzle was pierced. The cartridges were not sealed. There was even ink on the outside of the packaging! Each cartridge had been removed from its sealed vacuum pack and had been Sellotaped back into a plastic bag. Each cartidge was missing the plastic tape that you pull off to insert, too. I sent a message to the seller and received no response at all. I raised a dispute with PayPal and they have said that the items were 'as described' and have sided with the seller. Even though the listing states that the items are 'new and unused'. PayPal won't accept photographs as evidence which seems like the key part?! I took photos straight away when the cartridges arrived showing the pierced nozzles. It all just seems ridiculous. We have received a useless item. Any help or advice would be great! Thanks, Helen
  18. Hi Everyone. I am new here but am hoping you can offer me some advice. I have a daughter who is now 16 years of age. She was born in England. After separating with my wife at the time I continued to support my daughter directly, but then she (who was born in Australia) decided to return to Australia and take my daughter, and a daughter from a previous relationship who I also brought up, with her. As you can imagine I was not happy at the time. Her deciding to move to Australia made it extremely difficult for me to have regular hands-on and financial control/involvement with my daughter which she agreed but and chose to move to Australia anyway not caring about me or my involvement. I have maintained contact with my daughter throughout though. In 2009 I moved to Canada to live with family and am now awaiting my approval for Permanent Residency. I have a signed letter from my daughter's mother dated in 2009 confirming that she has no outstanding issues with regard to Child Support for my daughter, as this was required for my application. A few days ago, and totally out of the blue, I received CSA papers from the Australian CSA demanding over $13,000 (over $4,000 of which are penalties) in payments for my daughter?? The mother's financial situation and train of thought has obviously changed and she has decided to claim support dating back years!? My questions, that hopefully you can help me with, are: 1. Can the Australian CSA legally chase me for payments when I have not lived or resided in that country. My daughter was born and predominantly raised in England? I am English. 2. How can I be charged penalties for monies/payments that I have never been aware of from a country that I have not resided in? The mother has always had my contact information as I have stayed connected. She obviously hasn't informed them of this as they are claiming that they have been trying to contact me for years??? 3. I have a signed letter from the mother from 2009 (which she has obviously forgotten about) stating that there are no outstanding Child Support issues to date. This also proves that she was in contact with me at that point. I have been sent residency forms and a breakdown of fees owed from the Australian CSA to my Canadian address but am hesitant to respond without finding out how I stand first. If you can provide any advice and what I should do next, or how I should respond, that would be fantastic! Best wishes, Dunny
  19. Hi guys I'm new to the forums and was wondering if anybody could offer me any advice on the following... Yesterday I received a letter marked 'Final Demand' from a company called Buchanan Clark & Wells who claim that I owe £1,178 to Aktiv Kapital UK ltd from an account held with HSBC. From what I remember I held a student account with HSBC which I closed and arranged a standing order to repay in 2004/2005, shortly after this my health took a turn for the worse and I lost my job. Since then I've not heard from HSBC or any DCA's regarding the debt until this letter. I have no details of the date of the last payment I made to HSBC due to moving house several times and paperwork being mislaid and lost, all I know is that it was somewhere between 2004-2005. A friend of mine said that due to the age of the debt it falls under a 'statute barred' act? As you can probably tell I'm very new to this and would have no idea what to do next in regards to dealing with the matter. Any advice would be gratefully received, Dubsey
  20. Hi I have had my flat for a year I have a pre pay meter. A month ago I came home to find my meter had been changed a letter said to contact scottish power as my meter had been tampered with. I did so and was told there was no problem my meter has just been changed and I would be sent out a new key. Then today I get a letter saying they were adding a £230 for electricity I had stolen. I contacted thier revenue department and spoke with someone. She said the engineer had changed my meter and made a report that the supply had been bypassed and I was being billed for the esimated electricity I had stolen. They estimated it right back to when I moved in. I asked why werent the police called as I have no knowledge of it being bypassed. She said we dont do that we just change the meter and bill you for the electricity you have stolen. I said I hadnt stolen any electricity. She says their engineers report says I have..end of. I said hang on you come out change my meter, dont tell me anything at the time, dont give me any evidence other than our engineer made a report, and on that you accuse me of theft and add £££ to my account. Yes was the answer but you can appeal against it if you want. There was no manager to speak to and she said to write in with an appeal. How do I stand here I feel Ive been stitched up. I spoke to my housing assn and they dont get involved in disputes with power companies. She did suggest that perhaps the previous tennant had by passed the supply and reconnected it before I moved in and suggested I ask them to check before I moved in. I am going to write in but the attitude I got when I rang I cant see it doing much. How do I stand has any one else had similar happen. I have just applied to another supplier to take over my supply because I dont want to pay this money, its already onmy key to be taken. Will a change be possible or will whats happened cause problems. Thanks Im really concerned and confused
  21. Hi all, I think its best to start at the beggining! Back in Nov 10' i was self employed and run out of work, i tried to claim job seekers but was not entitlied as had not paid enough national insurance contribitions. Phoned capital one to explain my situation and asked them to freeze payments for 3 months aswell as interest and charges, there response was that they could setup a payment plan providing i sent in relevant documents ie job seekers letter, income expenditure, bank statment etc. I sent in every bit of information i have excluding bank statement as my bank account was currently suspended as i was over my overdraft limit. At the time of asking capitalone this my balance was £1900 and i had a relative willing to pay £20 month till i was back on my feet. Capital one refused to set me up on a payment plan untill i had sent them the bank statement which i explained i could not send so they said there was nothing they could do!! In Dec 10' my relative said they would lend me £2000 to pay off my 4 creditors (wonga, santander, vanquis and capital one total debt was about £7000 to all) i sent all four settlement offers explain my situation and 3 of them excepted so all i owed was capitalone. I urged capitalone to reconsider but they again refused in Jan 11 my balance with them was now £2000 Now in March 11' i recieved a letter of default and called them to explain ive been trying to sort this situation out since nov 10'!! I explained to them i was more than willing to sort out a payment plan as i had started working self-employed again, but they said they could not put me on a payment plan as the documentation i supplied was insufficent! i explained i have to set up a new bank account so would not have any statements, im self employed so do not get a wage slip as such and they again turned round and said there was nothing they could do!!! I feel so stressed out with this as my balance is now nearer to £2200 and ive tried everystep of the way to setup a plan but did not pay anything till i had conformation in writting that no interest would be added anymore. im asking for my cca today off them but this still will not make them setup a payment plan i feel limke letting them just take me to court as ive kept letters of everything ive sent and everything they sent me and they just wont listen!! i have no assests except for a van which im still paying for, live in rented accomodation and have no bank account. Should i just let them take me to court or is there something i can do to make them put me on a payment plan? Any help would be much appreciated sorry if i rambled a bit but its the first time ive been on one of these forums. Thanks Bri
  22. Hello. I took out a wonga loan of £100 in December time for late unexpected expenses which due to circumstances has been rolled over a few times and is now £204. I know this is my fault. But I suppose it happens. I got an e-mail off them this morning notifying me of failed collection, that I must pay full amount today or roll it over. If I don't they will incur a charge for failed collection. I cannot afford to do either. I have 4 bank accounts, so whatever they try to take won't come out but they will still charge and I can imagine my bank will still charge! My money situation is terrible at the moment. I had to leave my regiment of the armed forces due to an injury and the only thing I could do in the mean time was to work for myself or through various mates in the same industry which is fine although currently I'm having big trouble with an invoice. I intent to return to my unit later this month but this Wonga company has got me tearing my hair out and I can't keep focused. Either way they won't be getting paid today as I can't afford it and my partners having an operation and I'm going for when she wakes up. They only have my mobile number (which isn't working) and my work phone, which will be off. I'm just looking for immediate advice. Thank you much B
  23. Hello all, I'd really appreciate some help as I dont know what to do. Apologies for the length but I want to be sure I fully explain the situation so you can help me / us. My flatmate has received a fine for criminal damage in 2008, due to moving house at that time he didnt have all of the details to pay it and forgot about it too. Since we have been living together we managed to get all the information required and have been making payment, to begin with he was not working and so agreed to a benefit deduction of £10 every 2 weeks, he received a letter 'Application for benefit deductions' which I notice states 'If this order fails, you must must pay the outstanding balance yourself as directed. You will be given notice when these terms come into effect' in the time it took the courts to get that together he started working and so he started paying £10 every week (more than agreed), we didnt hear anything from the courts / enforcement centre or this notice their letter states. He lost his job (he's a chef and the restuarant closed suddenly so received no redundancy pay) and had to put these payments on hold, he did write to the courts, but just sent the letter in the standard post (stupid man), surprise surprise the enforcement centre say they havent received his letter and so have now passed his fine onto Marston Group. The first we knew of it being passed on was after receiving a letter from Marston demanding the full payment (plus their £75 fee) within 7 days or they will send a bailiff out. I sent them an email on 8th June explaining that he does not own this property, nor is he on a tenancy agreement, nor does he own any of the goods in the house (the house is owned by a family member of mine and all the furnishings / goods are either hers or mine all he has here is clothes), revoking license under Common Law for them, or their representatives to visit at the property and using the template from consumeractiongroup.co.uk/forum/showthread.php?229873 Today we received a letter from Marston, where they have acknowledged receipt of our 'letter/enquiry', demanding the full payment (including their £75) within 28 days, but no mention or answers to the information we asked them to confirm (as in the template). Again they state they will send an enforcement agent out if its not paid and this will 'incur additional fees' and goods may be at risk. He is not in a position to pay the full amount, and cannot borrow off anyone, we are already struggling with the bills from when he was out of work. He is willing to pay the fine now that he is working again but there is no way he can do this in 28 days. We dont know what to do, as they have not answered our previous correspondance in confirming about their fees being lawful etc (although they have stated additional fees will be incurred) do I report them under the 2006 Fraud Act and the Proceeds of Crime Act? Is there any way we can get this back with the courts who were willing for him to make payment in installments? or can we make marston set up an affordable payment plan? Thank you in advance for your help, A worried and confused mess
  24. Hello Would anyone kindly give me some advice regarding the below? My wife had an accident in May 2010. On a narrow country road (no way two lanes) she turned a blind corner at 5 mph and collided with the third parties car, she did not have time to avoid the crash and strongly denies being at fault. The damage to our car (we did not claim as it is superficial but would cost £500) was underneath the drivers side headlight (golf 2006 model) and minimal. There are no in dependant witnesses. We reported this to our company aviva as a 50/50, we believed he and my wife were not a fault. However the third party rejects thus completely. He says my wife failed to stop in time and caused this (he admits she was going 5 mph), says she was on the wrong side of the road etc. Confusingly he states that the two people in his car are witnesses (not sure he understands the term in dependant) and that he was stationary on the road at the time of the accident (who stops in a middle of a road...). Hilariously he put his speed as 30 mph then crossed it out and put 0mph. The damage to his car is again on the drivers headlight side for me that would suggest my wife was not on 'other' side of a one lane road but consistent with two cars turning in opposite directions. From the start his solicitors have been aggressive and sending over a threatening letter requesting my wife pay the bills (1000+) within 14 days or go to court. I have seen his report and cannot understand how he can win this. I am guessing he has only 3rd party so needs to try.... My Insurers agree that there is nothing to accuse either party and suggested 50/50 to which the other company refused, at the time I would have accepted that, now not so. Had nothing regarding this for 6 months and thought it was over, however today I received a letter from my insurers asking to confirm my wife's address after a request from other parties solicitors. Can anyone help, I have legal cover etc and happy to go to court but want to gather whether i am right to refuse liability, whether I am missing something and should be worried, and what monies if any would I have to pay out if he won??? Sorry for long post
  25. Hi, this is the first time to this site and I need help, i just dont know where to turn. My boyfriend is being taken to court for claiming carers allowance while working and being paid over the maximum £95 limit. He is being done under section 111A (a) and (3) of the SSAA 1992 (stating dishonestly) rather than 112 (without dishonesty). (And also Section 15A (1) and (5) of the Theft Act 1968. The thing is he didnt even know there was a limit of earnings. A close family member said that he was elligible and actually filled out the form for him (the difference in writing is clear to see on the form). He then just signed it and the family member then sent it off. My boyfriend moved in with his mother who was and is still seriously ill 5 years ago, leaving his job and home in another city. He took over the family business at the same time took wages of £140 per week and has never increased this (This is well below that of what he had earned before and actually if you add up the hours he does it is so far below that of minimum wage it is unbelievable.) At the time of putting in the claim he was under incredible stress due to everything that was going on. I can not understand how they think that he did this knowingly. I have checked on the web and see "Where an offence under s111A is alleged the prosecution must prove dishonesty and that the offender himself realised that he was behaving dishonestly by the standards of ordinary and decent people (the Ghosh test)." (from accountingevidence . com) He had made a terrible judgement of error in trusting a close member of the family to act on his behalf and not checking before sending the form but he certainly didnt do it with any intent or knowledge. Actually as soon as he had notice last year that this had come to light (and it only did so because he was made a partner in the family business) we went on the web together and checked the entitlements as we couldnt believe that his close member of the family had not known this. I understand that upon signing the form he was signing that everything was correct and he does accept that but his neglect was not due to him wanting to be deceitful or trying to hide something. He has always said that had it not been for the close member of the family saying that he was entitled to this then he would never have claimed as he cant be bothered with the forms. I am so scared for him as I know he is a good man, with a good standing within the local community. If he pleads guilty then it is like he is admiting he was dishonest and did this on purpose which he did not. If he pleads not guilty then are they going to throw the book at him? I cant see why the DWP couldnt see and hear this when they took his statement last year. He is set to go to Magistrates court next month. I just dont know what to expect or do. The fact that we have a young baby, we live with his mother and care for her, and there is the family business that can not run without him. What if they put him in jail? Even the thought of having a criminal record is distroying him. I dont know where to turn and what we should do. Please please please, if you have any advise let me know. Thanks
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