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  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. Hi, I've received a County Court Business Centre claim from Mortimer and Clarke on behalf of Cabot. The description of what they're claiming is so very vauge and doesn't even mention an account number or any reference at all. It just states that it is regarding a claim for an amount arising from an agreement with a credit card company a rough date as to when they think an agreement was entered into, a statement that the debt was assigned and then "The claimant therefore claims £xxx costs" . And that is it. I had missed the Letter of Claim I had been sent which, now I've f
  3. HI, im new to this service so please bare with me. back in 2016 my partner signed upto brighthouse for a washer dryer combo, we paid £50 inital payment at the sign up and two payment of £30 a fornight there after. after a month had gone by and we still hadnt received the item in question we stopped paying. Shortly after this we had split and was going through courts for custody battle, so didn't have the time to chase this up In 2018 we got back together and decided to chase up the debt that brighthouse owes us, on febuary 22nd 2018 we spoke to a customer ser
  4. i started over a year ago with the company and i was told not entitled to holiday pay as casual and 0 hours, so got not holiday pay at all, recently had someone i know who use to work at a union and they asked about my job and i told them everything and they said no you're entitled to holiday pay they showed me how to work it out and turns out I'm owed £300, told my manager who informed wages, had half my payment. rest next week. But I'm wondering if i can get last years holiday pay owed to me as it works out at £100 owed? also When I started a few days later i received
  5. Hi, I have just received a letter from a debt company that I haven't used for over 15 years. The letter says data protection laws have changed. This means thy need to provide me with an updated explanation of how they use my personal data. I do not want then to use my personal data. Do I ignore the letter? Thanks in advance.
  6. Hi Folks, I'm having a number of issues with Quickquid and them supplying me information of all loans I have had with them. I am planning on putting in a IRL claim against them History: 30/07/18 - Sent E-mail request asking for all loans I had with QQ over the years (was a lot) Provided Date of birth, and all addresses I have had over the last 9 to 10 years 16/08/18 - No response received, sent a chase request 20/08/18 - They provide 6 account statements. I can only reconcile that against 2 of my loans (4 were potentially from an old bank account I had no access
  7. Important information for DVLA customers: DVLA services READ MORE HERE: https://www.gov.uk/government/news/important-information-for-dvla-customers-online-services
  8. I have three accounts, one active and two rarely used. One was "Frozen" due to inactivity. I received a letter telling me to go to the branch to un freeze it. Long story short I had a right barny because the rep wanted to photocopy my Passport and send it to "central office". Insisting the photocopy would not be kept on a database that was her first lie. During the conversation it was insisted a drivers license (or utility bill) and a Passport or something with my photo on were required. Her claim was that after a year of inactivity accounts are frozen for security reasons
  9. I am a new user to this forum so I don't know if any one can help. I completed an I.V.A. and got the completion certificate in October 2016. I also have a letter of no interest in any P.P.I. or subsequent awards. If I claim for P.P.I. redress will I receive this or can it be used as set-off
  10. Ill start by stating i have never had any dealings with Lloyds Bank in my life but they have registered accounts on my credit report. There is two accounts on my file one mortgage for an address which is not mine and also a credit card again which is not mine. The mortgage is in serious arrears and the credit card is listed as defaulted.I am also receiving debt collection letters. I have had problems with Lloyds in 2010 - 13 where they also had a CCJ against me. They also sent a letter from there solicitors to my address stating i was a fraudster. (see attachment) I ma
  11. Hi all, We have a joint judgement against a builder and his ltd company (company A). He took the money, disappeared, due his commitment with the Army as he claimed and never got back. He did not defend the claim, and has since tried to enter into IVA, as he acquired a large amount of debt in the course of last year. It seems he hasn't been paying any of the suppliers or providers of services. He says in his IVA proposal that he is planning to close his ltd company and now working a a sole trader. We know that he has since registered another company (company B) on his father's n
  12. Hi there, I would like to get some advises regarding Vodafone had shared my personal information regarding (full name, address, DOB, email address) Undeniable, once a contract has been formed in between Vodafone, if without monthly payment, Vodafone will pass the information and shared with Debt Collection Agency because Vodafone appointed DCA to collect the debt on behalf. Vodafone claimed that, that clause was in the contract. (Thats what I have been told by Vodafone after the incident.) However, I do not owe Vodafone any money nor any outstanding amount, however, my account
  13. Hi, I was a victim of identity fraud in around June 2012. "Someone at the time took out loans in my name with quick quid and lending stream". It was a lot of hassle at the time ( I went through the police action fraud, recived a crime number and after a month or so I signed a couple of letters from both companies and the matter was cleaned up. I also opted at that time to put extra restrictions on anyone else trying to fraudulently take out any more loans in my name. "Let me just say that I have never ever applied or taken out any loan in my life other that a mortgage for ou
  14. Hi there. Just on the off chance my husband sent a request to Barclays to see if he had PPI on any of his cards. It turns out he had it on his Barclaycard Mastercard from Sept '97 until Dec 2004 and on his Barclaycard Visa from Sept '97 until Aug 2015. What would be our next step forward please? Thank you.
  15. This is a long story, so I'll try and cut to the chase. Back in 2013 we moved into a property. The landlady who we were renting off asked if she could continue to be registered at the address. She agreed that she would cover all the council tax bills for the property. Two years later we received a letter from the council to "the occupiers" asking us when we moved into the property. We truthfully told them the date. Two months later, we received a massive bill from the council for two years worth of council tax, backdated to the date we moved in. We got in touch with th
  16. Charity Commission calls for information about Presidents Club Charitable Trust READ MORE HERE: https://www.gov.uk/government/news/charity-commission-calls-for-information-about-presidents-club-charitable-trust
  17. Can anyone recommend a telephone recorder. I am so fed up with being given information by DWP advisors which I am then told by another is incorrect that I want to record their messages. One that is easy to set up and use please. Many thanks
  18. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  19. I sent a SAR off in July and have now received a reply from Egg that they cannot trace me and has my name/address changed. Well no it hasn't and they are the first company to have this 'problem'. They want me to provide all sorts of evidence including a valid account number (obviously I don't have this as I would have provided it) details of previous names/addresses and proof of my DOB. Other companies have just supplied the information where I don't know account numbers so shall I write to them again advising nothing has changed and I will be complaining the the Ombudsman if they do no
  20. A flat which I have just acquired isin a block where the parking is controlled by UKPC. I have beenspeaking to some other leaseholders who have complained about being harassed this company. The headlease holder is a Housing Associationand I intend to lobby them to sack this pariah. I have spent hours searching theinternet for a case where UKPC have actually taken someone to court,but drawn a blank, although I am aware of the Trading Standards fiasco in Hull Crown Court, and also of the bloody nose administeredto them by Roger Davey. Can anyone dish any more dirt please? Were th
  21. IHAT information for complainants READ MORE HERE: https://www.gov.uk/government/publications/ihat-information-for-complainants
  22. Hello I received a citation for an old credit card debt and was wondering if any one knew how to get the date extended so I have time to make up a defence if this is possible? I'm in Scotland Many thanks Tom
  23. Please follow the link if you are or will be claiming benefits anywhere in Essex from 17/07/2017 http://www.consumeractiongroup.co.uk/forum/showthread.php?441364-Universal-Credit-national-expansion-–-Tranche-two/page3 Post #51 This thread for anyone living in Essex and starting a new UC claim/or migrating. The attachments gives you the time frame and by area. This will allow you to know in advance of the new changes and when you may be affected... Please see the new attachments for further information. If you have any questions please start a new thread also for furt
  24. Hi, My girlfriend has been working for an NHS Trust since March 2017, before which she was working with another trust since October 2016 (and has 10 years of service but not concurrent). However, the 3 to 4 years preceding this, she has been living abroad. She had to take sick leave last month due to accepting a (short notice) date for a major operation. The day she was offered the date for the op, she went to the HR dept and spoke with one of the officers, who informed her that she was entitled to full sickness pay for six months based on the fact that she had 10 years and more of serv
  25. hi guys, so i have the name, mobile number, email address and bank details of the professional that i hired, unfortunately they never gave me an invoice and i never gained their address. The job they did was below standard and they even damaged our property for me to be able to take action against them i need their address, so since i know you need to obtain a court order for the bank to release the address, what form do i need for this to happen.
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