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  1. Hi all Haven’t been on for a while, but nice some familiar names are still active on here! I have gotten into a situation and would really appreciate some advice and help. I have the same feeling I did when I helped my Dad some years back with debt issues, where currently everything feels quite daunting but know the CAG members hold a wealth of information and have always been great As I want to anonymise this, please bear with me for being vague anywhere. Completely out of character, I ended up in an altercation, things were said, the other party initiated pushin
  2. Good evening all. I will try and be as brief as possible but I would like some advice on the following. I left my ex employer on 18th December 2015, working no notice. 7 weeks to the day later I get a letter from them saying I owe them just under £500 as I had infact been paid up until the 31st December. I queried this and requested other documents from them to which I never received. They got another company involved in trying to claim this money back. I was taken to court and obviously court costs were added on top. I never paid that, I had a letter t
  3. I received a letter from Cabot Financial claiming they own an old debt of mine from four years ago amounting to £7800. This debt may be genuine as I went through a very bad time during my divorce mentally and lost my business and home. I thought all my debts were settled at that time so I would like to challenge them as my credit file shows no debt. I have sent a prove it letter and would like to know my next step, a CCA request or SAR request should they persist. I have read that sometimes unsecured debt cant be enforced because the relevant paperwork is lost, is that correct?
  4. I can not believe a company as big as Everest can get away with their practices. I’ll be brief, 6 months after from initial installation we have half the house fitted (10 windows 2 doors) ALL badly fitted (exposed cavity walls) damaged brick work, ALL damaged products and no contact From Everest as to when going to be corrected and finish. Having been advised to do so we have contacted and paid for a solicitor to see if we can get released from contract, deposit returned and start again with another company. In a nutshell we can’t unless we wish to go to court and pay 10k plu
  5. Hi Guys, I hope all is well. I have been trying to regsiter for a gas supplier. I have called around all the big suppliers and was told that they didn't supply my property as there was no meter point reference number. Having done some research online I discovered I could all XOSERVE to find out my MPRN so I could regsiter for a gas supplier. XOSERVE have said that due to an admin error from the previous supplier to my flat that I was not registered on their system and to contact any of the energy suppliers and sign up with them which didn't help at all. I have gon
  6. Name of the Claimant ? Southern Water Services Date of issue – 12th December 2018 Particulars of Claim 1.The Claimant is a statutory water and sewerage undertaker to the Water Industry Act 1991 (the Act) 2.The Claimant claims the sum of £4559.62 for unpaid water and/or sewerage charges payable under s.142-144 of the Act and the Claimants’ Charges Scheme. 3.The unpaid sum of £4559.62 is for water and/or sewerage services provided to the Defendant(s) at XX XXXXX XXXXX (my address is here) for the period 11/07/2007 to 09/07/2018 4.The claimant claims interest under s
  7. I am having a right nightmare with Kensington mortgage company and need some much appreciated help . I had a suspended possession order granted in oct 2007 as I had lost my job at the nhs and my wife business had collapsed the suspended possession order was issued in oct 2007 for my monthly payment plus £50.00 i think i need to dig it out as it was nearly 6 years ago i will post later the exact amount I have been making payments over the last few years to Kensington but also built up massive arrears on my council tax and second secure loan with welcome finance at the
  8. Claimant - Lowell Portfolio 1 Ltd Date of issue – 23 January 2018 What is the claim for – 1) The Defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference XXXXXXXXXXXXXXXX ('the Agreement'). 2) The Defendant failed to maintain the required payments and arrears began to accrue. 3) The Agreement was later assigned to the Claimant on 31/03/2014 and notice given to the Defendant. 4) Despite repeated requests for payment the sum of £742 remains due and outstanding. And the Claimant claims a) The said sum of £74
  9. Hi there, Is there anyone out there who can help me? We have a former GMAC mortgage that went over to mortgage Express. We were keeping up with the mortgage until I finally succumbed to my illness and disability. We are currently five months in arrears which works out to be £4250. I was working part time and my wife was working full time and up to earlier in the year keeping up with our mortgage. We thought we had sorted ourselves out with my working part time and my wife getting a full time job a while ago. I had an operation several years ago, that resulted in dama
  10. Hi, Im looking to get some advice and hope some of the guys on here can help. MY home is in zero equity and we owe aroung 120k with no arrears, the house is only worth around 85k with the current climate, we have other debts which we are in payment plans with several and have defaults on one cc but no ccjs. i have been offered to move into a family home to help us get on our feet. question is will our mortgage company allow us to sell the house and arrange to pay back the shortfall? is this likely or are they likely to say we cannot
  11. Hello everybody I hope you can help me, today I received a letter from DLC regarding a very old debt from Black Horse Ltd (original loan was taken out through Chartered Trust way back in 2000/2001) with the amount owing of £1,886.59. The letter is as follows: Dear XXXX Your account County Court Claim Number XXXXXXXX We have been trying to work with you in resolution to the above claim for which we have obtained a County Court Judgement. As there is still a balance outstanding, your account has been placed with Cabot Financial (Europe) Limited to act as the agent
  12. hi everyone, I have a problem with a dealership where i purchased a car. I am currently at deadlock with a well known UK car dealership. Background. I saw a car advertised on their website, I took it for a test drive and returned at a later date so my partner could take it for a test drive. When she was out on the drive I saw a different car, one that i always wanted and this was not advertised on their website. My partner returned and she told me she did not like the drive of the car she took out i decided i would take the car that I was looking at when she was out
  13. Hiya all I’m Applepie123 I’m only 16 and I went into Superdrug and wanted to just take an eye brow pencil as I had lost the one I had ACTUALLY bought so I thought I’d just take it out the box and leave the box with the barcode. Unfortunately, I didn’t notice that a man was watching and if I’m being honest I didn’t care because he looked as though he was part of the general public. So I carried on and walked out the shop. As I was waiting for a friend I decided to stand by the side of the shop (which wasn’t smart) and there the man came and showed me some badge and said “can u follo
  14. Hello all, I just wanted to gather some advice regarding this, as I am currently thinking of taking it down the route of small claims court. Around about 2 years ago (23 months to be exact) we had to have a new meter installed at our flat due to the monitor on the then existing one breaking. No worries, that is absolutely fine, crack on. Slowly but surely we started to see a dramatic increase of the price of our bills. From when we were paying on average £40/50ish (one bed flat), started to become £100, sometimes £200 plus. Obviously to any rational human being tha
  15. Hi I have received a claim form from Hoist portfolio. The particulars of claim the debt was legally assigned by Santander to the claimant and notice has been served. The defendant has failed o make contractual payments under the terms of the agreement. A default notice has been served upon the defendant pursuant to section 87. it is for £8000. I have acknowledged the claim & drafted a CCA & CPR. Is it just these I should be asking for copies of. 1. Agreement / Contract 2. Default Notice Any advice would be gratefully received as would like to send reco
  16. Hi all, sorry for the long post but never been in this position before.... we received an enforcement letter through the door last night in my old name ( i changed my name via deed poll) demanding £542 . after doing some ringing around we've established its for a part unpaid council tax bill in 2014 ( which we wasn't aware of until we got this letter yesterday) phoned the council who advised the amount outstanding is £192.04 and gave us the dates (it was an honest mistake at a crap time & didn't even realise it wasn't paid until now) they are saying they wont help now i
  17. Name of the Claimant Parking Eye claimants Solicitors: rosanna breaks Date of issue – 03/09/18 Date to submit defence = 05/10 What is the claim for – 1.monies outstanding from the defendant, as registered keeper, in relation to a parking charge, issued 31/05/18, for parking on private land in breach of the terms and conditions (the contract). 2.Parkingeye's automated number plate recognition system, monitoring campanile liverpool queens dock, l3 4aj, captured vehicle entering and leaving the car park, parking without authorisatio
  18. Good evening We would appreciate your advice please. A friend bought a second hand car from a dealer and as she drove it away, she noticed a smell of burning but initially dismissed it because it was apparent that the car had been valeted inside and out and she believed it to be the heated seats drying or the engine maybe drying off from a clean. Over the next few days, the smell remained and the lights, heated seats, rear wiper and other electrical things started to fail. She contacted the dealer who requested she fetch it back but as the issues deemed the car unfit for the ro
  19. Followed previous advice for others in the same boat. Aos submitted on 30th. I presume ONLY 9 days left to send in defence. 1 Date of the infringement 08/10/17 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 22/11/17 3 Date received Not received as was out of country. Have passport stamp as proof. 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No 5 Is there any photographic evidence of the event? yes 6 Have you appealed? {y/n?] post up your appeal] no Have you had a response? [Y/
  20. Hi, I have recently turned 18 and have tried opening a bank account however I was declined. I was told in the branch to check my credit report at Experian and Equifax. I have been able to check Equifax and have discovered there are 5 defaults from different companies. All these defaults are from quite some time ago and show the wrong date of births. I have disputed these defaults with the Equifax but they have come back and said the companies have said the information is accurate and they cannot change it. The companies that the defaults are from Lowell, Tesco,
  21. Purchased a car in May on finance, car was £5k so not a small amount (7.2k after all finance is paid over 3 years - sub prime) I arranged the finance and was given a list of approved garages I could pick a car from. Went to see the car, signed the paperwork and it was delivered to me on the 21st May. I found out after buying the car it had a reconditioned gearbox and made the finance company aware of it - I was not happy. Anyway, a week ago I noticed the coolant looked weird, it had gearbox oil in it. I have taken it to two local trusted garages and neither will touch it. The last garage
  22. Hi I'm new to all this so I apologise in advance if i've made any mistakes. I had a contract with BT back in 2015 which I wanted to finish early due to the constant slow speeds I was getting after 2 months of being with them. At one point I cancelled my direct debits in protest until they sent an engineer out to have a look at why my internet was so slow. When an engineer was promised to be sent out I called to re-instate my direct debits and was asked which date I wanted them to come out. I asked for the start of the month which was agreed but a few weeks later I had a direct
  23. Hi all, Just a bit of a background, I called Blackhorse on the 23rd December 2018 to check whether I had any PPI on loans that I took out many years ago. The first and most relevant was taken out in 1987 as I recently found out from them. They found I had three within 87 and 91. They didn’t indicate or tell me whether or not there was PPI on any of my agreements and instead sent out a complaint form and explain to them why I was misold any of the policies attached to each loan. I had no paperwork at the time of calling. A week later I sent back the form and gave the reasons why
  24. Please can anyone help with advancing this? I would be really grateful if a Default Notice 'Expert' could kindly offer me any advice. I have a long standing dispute with a Creditor on my DMP – MBNA/Moorgate (sold to IDEM post complaint Oct 2016). Original creditor MBNA on DMP May 2009, sold to Moorgate 2012, Default Notice from Moorgate Dec 2013 but binned by them (even though letter to terminate agreement thereafter also and no other monthly statements received), they didn't record the Default Notice with CRA either, I have (Moorgate) arr
  25. Good Evening Everyone! Another Harlands post unfortunately, I've had a good read through and followed some of the advice and am now at the next step and wondering what is my best course of action, Let me start with the background. I signed up to a rolling contract with E4L in Milton Keynes, I had used the gym over the months but unfortunately suffered a quite catastrophic knee failure that has made even a daily dog walk a chore (Joys of getting old I guess!). Because of this I cancelled my E4L DD thinking it was the best way to cancel (My fault, Should have checked the T&C's). I
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