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About Me


Found 18 results

  1. We are in the process of taking our builder through the small claims court. We paid him money for a major build which included re-wiring and supply of kitchen. The kitchen was not supplied and we had to pay the supply company ourselves and the wiring was so bad we had to get an electrician in to re-wire the house. The court has asked for the Particulars of the claim but I need to know what legislation is involved and why. All I know is we want a refund of money we believe we have paid twice but legally I don't know what this is. I really need to get this sent off ASAP so any help g
  2. Some time ago I was involved in an accident i was a passenger a car 5 in total The claim was handled by a firm of solicitors and was suspected of fraud by the other side solicitors due to no witnesses and the car driver claiming for alot of stuff , IE car recovery loss of earnings storage fees My version of events were different from the driver i remember him driving me home after the car was rear ended , he had said the car was so badly damaged it had to be recovered which was untrue I had many awkward questions from our solicitors , it was said if i agreed with the
  3. I have an old tenant who has taken me to court for not protecting a deposit. I didnt get a deposit but it was so long ago I put my foot in it by protecting a non-existent deposit, thats another story. Short story is that we agreed on an amount to settle this before tenant left, all in writing on email. I sent over part payment and then part of the agreement was to send over the rest of the payment on satisfactory return of property. In this time I then went back to UK and found old contract showing nil deposit and old bank statements with no deposit received.
  4. Hello. Today I got caught shoplifting from Primark as I was making my way out. The RLP sent me to a small room in which they told me to put everything I stole on the chair next to me (total was about 44€ - I'm from Portugal). I did as I was told and then police came up after 20min. Then we went to the police office, they checked if I had any record of previous thefts, debts, etc (which I didn't). Then they told me I was free to go but I'd probably receive a letter from Primark to go to court. My questions are: what's more likely to happen - not receive a letter at all, recei
  5. I had a car accident last week where someone drove at the back of my car while I was stationary at traffic lights and reported the accident to my insurance who called me on Friday offered me repair at their approved user once I paid Excess. They said once they have the other party accept liablity I would receive my Excess back and this would not be marked as FAULT accident on my claim. I asked them to wait until Monday as I wanted to send all the evidence about liablity to my insurance first. (Excess is Only £100 so its not a big deal at all). Then on Saturday I received a phone ca
  6. Hello, i went to my local ASDA supermarket today, when i got to the tills i realised i hadnt trasnfered my shopping money from my savings to my current account, so i went to leave my trolley in the foyer when the alarms went off the security gaurd came over to me and asked to see my receipt, i explained that i hadnt yet paid because i needed to go back to the car to use the phone to transfer my funds, he didnt believe me and branded me a shoplifter which im highly embarrased about, after they banned me from all stores i went and transfered the money and paid,
  7. I apologize if this is in the wrong section. If it it is, could a mod kindly move it for me. Thanks I will try to avoid a wall of text and a sob story, and get right to the nuts and bolts of it all as i need help with my next steps I am self employed and have been for around 5 years. The first 2 years of this, i had no idea what i was doing, so like an idiot, i pretty much ignored everything paper work wise/accounts wise/money wise. I have been working for the same company for the 5 years as a sub contractor. After the first year i spoke to an accountant who
  8. Afternoon CAG, I've seen on a number of threads regarding payday loans the question about whether gambling was involved with the payday debt... Can I ask why and how this is relevant and if/how it can affect complaints or legal disputes? Thanks
  9. Sent to me earlier today. http://www.chroniclelive.co.uk/news/north-east-news/gateshead-motorist-racks-up-55000-11127527 Also http://www.chroniclelive.co.uk/news/north-east-news/watch-moment-fenham-two-drivers-11126935
  10. as above, CCA'd egg on 16/07/08. They responded with an unsigned agreement and nothing else, no terms, no other info. Wrote back to them to tell them account in dispute as they have failed to provide etc. put in the dispute letter the usual about "you may not pass this account on" etc but they've completely ignored it and sent a letter back saying the account is now closed and will be passed to a DCA for collection what do I do now?
  11. Hoping someone can give me some advice here but it seems to be quite a unique situation, with a solicitor even shrugging her shoulders and saying she'd rather not get involved due to lack of experience.. . Apologies in advance for the long post but it is quite complex! My aunt passed away recently leaving me, my brother, and my sister as administrators. She owned a house as "Joint Tenants" with her ex husband. Upon their divorce in 2011, a consent order was made whereby the house was to be sold and the net profits split 60/40 in her ex husbands favour, with
  12. Just a little bit of advice needed if possible please. The short version is: We were overpaid tax credits. We were advised in October, the chaser came maybe mid November, and after trying to call through to sort out a repayment plan numerous times and being unable to ever connect during my lunch time(s), I wrote directly offering to repay back at a rate I was originally overpaid. Having only been a couple of weeks ago, I wasn't unduly worried about not receiving a reply, but instead have now received (hopefully attached) a letter from Rossendales instead. This came yesterday (4 Dec
  13. Hi,new to this site,got esa medical in 2 weeks time,,need advise regarding asking for a recorded medical,I am 59 ,male ex miner,have been unable to work since 1992 due to accident in the mines.have been on invalidity,incapacity since then,I have been accessed at 50% industrial disability,back problems,miner beat knee & Pneumoconiosis, by DWP for life, just had right hip replaced .any advise would be appreciated
  14. For reasons that will become obvious I cannot name the debt collection company or the retail company. I have dealt with a number of D.C.A,s in the past. (with lots of help form this site). A friend of mine asked if I could help a young woman who had received an assignment letter from XXX. I had not heard of this company before but after careful research into the people on the letter one of them was well know to this forum, so I decided to see what i could do to get them off her back. My first action was to get a copy of their assignment letter and details of the wo
  15. I owe approx £3000 on a vanquis card. I was in a well paid job and comfortably paying back what I owed when I developed a long term, chronic illness and eventually lost my job, I now receive esa. I invoked the PPI on vanquis two years ago which has now ended - during that time they received numerous copies of letters from the dwp and my hospital confirming my situation. When they sent me the letter saying that PPI had run out I sent them my income/expenditure budget statement and details of the other debts I have and the amounts they have accepted (ie, 10k bank loan have accepted £6.50 pe
  16. had been told that north east lincs council benefits section re council tax i had been overpaid by over £650.00 that was in october 2011.i began paying it but hit problems that i could not keep paying both this overpayment and also my monthly council tax for that year .very unhelpfull indeed the council i received a summons appeared at court 3rd feb 2012 obtained a liability order without me going into court was told not required to do so.so i continued to pay my council tax monthly and managed to reduce the debt on the other council tax to £259.11p.so i was unemployed on the dole ect so was u
  17. Tesco's have announced that there are traces of Zebra in some of their bar codes.
  18. Hi, I received a letter this morning from a solicitor asking to to confirm if I am the person involved in an accident back in October 2010. They have my name and address and have me listed as a claimant along with two other names (none that I know!). I have been asked to fill out particulars of claim, including negligence of the defendant and personal injury. This to me smells like some sort of insurance [problem], but how have they got my details?? Do i contact my insurance company and get their solicitors on to them or do i contact them myself? Slightly worrying as you can i
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