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  1. Hi, I have read a few of the debt recovery questions and threads and lots of good information, however, everyone is a little different which brings me to my query. In my case I did not do a runner from any debt and tried to settle everything legally before I left. In 1996 while working out in UAE I bought a vehicle on finance (Oman Bank renamed to Mashreq Bank now were the financiers). I made the repayments regularly until I lost my job a couple of years later when the company was sold and the new owners wanted their own people in. I had difficulty making the rest of the payments and some debt accrued but I managed to bring my payments up to date by bringing money from the UK. In mid 1998 I decided to leave the UAE and return to the UK so contacted the bank and agreed to return the vehicle to them to sell it off and deduct what was owed to them and give me the balance of the money as the vehicle was worth at least double the outstanding amount. For a while upon my return to the UK (Northern Ireland) I did not hear anything from them until a few years later when I received a threatening letter from some agency/solicitor (I really cannot remember). I called them and they threatened me with court cases and arrest upon travelling to any Mid east country. I did explain that it was the bank that owed me money and it seems they were asking for the full amount of the remaining debt plus interest which made me to believe that the vehicle was either sold for a small fraction of its value or for just a nominal amount which again means I was defrauded by the bank or the person who was dealing with the case. The person who I spoke to was unable to provide any paper work. In the meantime I traveled to Oman and Kuwait in 2003; but now a shade over 19 years since I have left UAE I have received letters from a solicitor in Manchester threatening me with legal action within 7 days if I do not settle the debt or contact them to settle the debt. I live in Northern Ireland and own my own property. I am also the nominal director of a company registered in England (I do not own the company nor receive any benefits from it). What is the general advice that I should follow? Ignore the letters or write to the UK solicitor asking for all the documents in English? the solicitors seem to operate from a small office in Manchester and a search showed another solicitor registered there so I assume it is one of those solicitor offices that uses various names although the lady in question seems to have been registered by the SRA. I strongly deny owing any money and again strongly believe that I am owed money. The vehicle was valued at over £4000 while the debt was about half that (in UAE Dirhams). By the way, I have no desire to return to that country due to a lot of bad experiences and although I have been offered work a number of times (companies contacting me directly) including from trusted friends, I have refused to entertain the thought of ever going back there. Sorry for the long post but I thought it is better to provide all the information in the beginning. Cheers and thanks in advance for any help, direction and advice.
  2. Hi all, so this is an interesting one, I joined a gym.. locally.. online.. they had a separate finance firm ‘Debit Finance Collections’’, and it’s a local trust gym.. to cut a long story short, just after joining I went on a course at work and was out of the area for a while and pretty busy, when I got back I realised I just wouldn’t have time to use the gym and to be honest there’s one closer to my work which is better placed.. I called up DFC (bearing in mind I haven’t set foot in the gym, picked up my card, had a letter.. nothing..) and that was when I was told, as I was two days over my cooling off period, I’d have to pay the full £450+ cancellation charge... I did try and reason but no dice.. I then contacted the gym as they do have the power to allow you to cancel early.. aaand again ‘sorry sir but our terms state that outside the cooling off period you owe the full years fees’.. now, as I’ve never been picked the card up, been in there or actually had any service at this point, I’m tempted to cancel the DD, speak to the finance company and say it had been set up fraudulently / mistakenly by someone else.. and deal with it like that.. or is there a better and more legal option? I don’t want to affect my credit rating or have DCA’s chasing me so any advice would be appreciated.. my contact with Debit Finance Collections has only been a quick call where they told me I couldn’t cancel.. below is the terms from my one email confirmation, thanks in advance!: “email Terms & Conditions Definitions: Service Provider = "we", "us" or "our"; Customer = "you"; Debit Finance Collections Plc = "DFC" Terms of your Contract PERIOD OF COMMITMENT -You are agreeing to subscribe monthly for the services provided by the Service Provider and contracting to remain a subscriber for the minimum period of the contract ("Minimum Period"). -Once you have completed the minimum number of Direct Debit payments we will automatically continue to collect the agreed Direct Debit payment amount on the frequency chosen at the time of setting up the Direct Debit Instruction. Your contract will continue until terminated in accordance with these provisions. -You may cancel the automatic renewal of this contract at any time by providing at least 1 Months notice in writing or by e-mail (info@debitfinance.co..uk) to the Service Provider or to DFC. COOLING OFF PERIOD -This contract commences once you have indicated your acceptance in the Declaration section of this contract. You have 14 full days after signup to cancel this contract for any reason. To exercise this right, you must inform us of this by post, email or telephone using the details provided. Alternatively, you can notify DFC in writing or by email to info@debitfinance.co.uk.. If you exercise this right to cancel, we will reimburse you all joining and subscription fee payments received from you using the same means of payment you used for the initial transaction. If you have used the service before requesting to cancel, then we will reduce your subscription fee refund by a pro rata amount equal to the number of days from signup to the date cancellation was requested. -Your subscription starts immediately. -You will be entitled to all the rights and privileges extended to you for the type of subscription chosen. TERMINATION OF SERVICE, LIMITED RIGHTS TO CANCEL -During the Minimum Period you may cancel the contract only: 1. If we fail to maintain the standard of service you would reasonably expect. 2. If we alter the operating hours of the services unreasonably resulting in you being subsequently being unable to access the services. 3. If you develop a medical condition which prevents you from using the services on an ongoing basis. An appropriate medical practitioner must provide written evidence that this is so. * 4. If you move away from the area by a distance which we consider, at our sole discretion, to be too far to travel to the services for regular use. We shall require evidence that such a move has taken place. * 5. If you lose your employment and are subsequently unable to keep up your repayments under this contract. You must produce documentary evidence and we may, at our discretion, suspend your payments for two months. We will then review your financial situation with you. * 6. If you become pregnant. You must produce documentary evidence and we may, at our discretion, suspend payments for three months. We will then review your situation with you. * PLEASE NOTE: points 3-6 require documentation, this can only be accepted from the date of receipt. TERMINATION PAYMENT FOR EARLY CANCELLATION -If you cancel your subscription during the Minimum Period, other than in the circumstances set out above, we shall be entitled to a termination payment ("Termination Payment"). -The Termination Payment will be the total of: 1. Any arrears; 2. Any accumulated late payment charges that have been or will be incurred; and 3. The monthly subscriptions that would otherwise have fallen due before the end of the Minimum Period. -You will be given credit for early payment, and this will be in the form of a discount applied against the total that you have to pay. For details of how the discount is calculated, please contact DFC. MISSING PAYMENTS -If you miss two payments, you will be deemed to have breached your contract. GIVING NOTICE TO CANCEL -DFC will continue to collect your monthly subscription after the Minimum Period. Should you not wish to continue subscribing after the Minimum Period, you must give notice to cancel the contract at least 1 calendar month before the final payment of the minimum period. If you wish to cancel the contract at any time after the Minimum Period, you must give at least 1 calendar months notice. The notice should be in writing or by e-mail (info@debitfinance.co.uk) and sent to the Service Provider or DFC. COLLECTING YOUR MONTHLY SUBSCRIPTIONS -DFC is our agent for the collection of your monthly subscriptions. DFC will collect your subscription monthly in advance on our behalf by Direct Debit. -If you fail to make a payment on time, you will incur the following charges: 1. Fail to pay the subscription on the due date £15.00. 2. Fail to pay the missed subscription within 7 days of the date of a reminder correspondence £30.00. 3. Fail to pay the arrears and accrued charges within 7 days of the date of a Final Notice £45.00. - Late payment charges become payable immediately when they are incurred. -Other Charges include: 1. Payment other than by Direct Debit £5.00. 2. Any cheque returned unpaid by your bank £10.00. -DFC is also our agent for serving notice and collecting any Termination Payment which becomes due. Any notice served on you in accordance with the terms of this contract, will be deemed to have been delivered to you the next day after it is despatched by us, or our agent. -If you would like to make a complaint with the service you have received from DFC, this should be in writing or by e-mail to (info@debitfinance.co.uk). You may also request a copy of our complaints handling policy. If you fail to pay any amount due under this agreement for a period of more than 30 days, then we may pass the debt to a third party company for collection. The costs incurred in employing the third party company will be borne by you including the costs in tracing you should you have changed address without telling us. PRIVACY AND DATA PROTECTION We take great care to ensure that any information we hold about you is kept safe and secure. This section explains how and why the Service Provider and DFC use your personal information. The Service Provider and DFC need to collect and process personal information in order to be able to provide you with the services. The personal information required includes: - your personal details (such as your name, address, date of birth, telephone number and email) - financial information (such as bank account details) - medical information (which is provided to the Service Provider) - ethnicity (which is provided to the Service Provider, but which is completely optional) Your details and financial information DFC requires this information in order to collect and process payments. It will also use the information for related purposes, e.g. keeping records of financial transactions for a number of years (as required by law and the Direct Debit Indemnity) or to pursue unpaid debts. DFC may anonymise and aggregate data (so that it no longer identifies you) and then use it for analysis and reporting purposes. Some of the information DFC collects and processes will also be shared with the Service Provider (e.g. details of a missed payment) Medical information In order to take out a subscription the Service Provider needs to know a bit about your health and any conditions or injuries you suffer from (this is to make sure that you can make use of the services safely and without risking injury). When subscribing via DFC's online portal you will be asked to provide certain sensitive personal data about your medical history. This information is provided on the basis of your consent, and you do not have to provide it. However, if you choose not to then the Service Provider won't be able to provide you with its services (e.g. gym membership). If you do decide to provide this information it will be sent to the Service Provider (DFC will not store or have access to it). You can, of course, withdraw your consent to our using this sensitive personal data whenever you wish. However, by withdrawing your consent you will also be cancelling your contract with the Service Provider (as it will no longer be able to provide you with our services). If this cancellation takes place during the Minimum Period, you will be liable to make a Termination Payment (as set out above). The Service Provider will also be provided with details of your ethnicity (if you choose to provide this information). for its own equality monitoring.. This information is completely optional and there is no need to provide it (and it you can ask for it to be deleted at any time without consequence to you). For further information on how and why the Service Provider and DFC use your personal information, and details of your legal rights (including the right of access) please visit: Removed
  3. Hi all first post, as I'm new to all this any help/advice would be appreciated. I received a letter on Saturday 26th May from Nolans solicitors..... Debt is under 2k.. Excerpt from letter.. NOTICE OF INTENTION TO ISSUE A SHERIFF COURT SUMMONS Our Client:- CABOT FINANCIAL UK LIMITED TAKE NOTICE that unless you make payment of this debt IMMEDIATELY application may be made to the courts to issue a SHERIFF COURT SUMMONS against you. DETAILS OF DEBT £ ****.** due in respect of TESCO PERSONAL FINANCE INFORMATION ABOUT A SHERIFF COURT CLAIM If a Claim is issued a court fee and costs will be added to the debt. interest may also be added. If Decree or Judgement is made against you this may make it difficult for you to get credit in the future, HOW TO PAY =========== Various methods of payments explained.................................................................................................................................................................................................. To communicate with Nolans via email. contact the person dealing with your account at E mail*******************. You should ensure that your name and account number ( *******) are contained within your e-mail. To protect data of a sensitive or personal nature we recommend that you use an email account in your name and to which you have exclusive protected access. ============================================================================= after reading forum I was going to send them both CCA request as NS has supplied an email can I deal with them by email and a letter to Cabot or letter both if this is the best way to proceed at this stage. TIA.
  4. Hello all, I post in this place like once every 10 years because most things I can deal with myself, but thank God for this place because when i don't know what to do regarding some advice / legal advice, I know this is the place to come to. Anyway I am having an issue with a self storage company in London (one of the big ones). So basically I gave them 7 days notice to close today, and they said they have to charge me £15 because the 7 days 'crosses over' which is basically bull****, I know they're just trying to screw me for money. This is the first issue. The second issue is they sent me back an e-mail saying they 'require the unit to be cleared during office hours for the sake of thealarms on the units' which again is crap, because I was with this self storage company for 6 months and I could take my stuff in and out as I please 24/7, at midnight, outside office hours, weekend, whatever, it wasn't a problem. But now that I gave them 7 days notice to close, they're saying I can only take my stuff out Mon-Fri 9-5, otherwise I'll trigger the alarms. Which of course, if I do, they will promptly charge me like £30 admin fee or something. And bear in mind these 7 days (9th January - 16th January) I've already paid for last month, but they're imposing this new set of conditions. This really is a problem for me because I need to move my stuff out in the weekend, and of course they'll probably put the alarms on in my unit, which they shouldn't do, and then when I move it, it will ring, and they will say they can charge me for this. Is there some Ombudsman that I can go to complain about this? Can I also tell my bank Barclays to block any payments taken out by that company? (They said the £15 they will charge me because of 'cross-over' will go out automatically' Thanks all in advance, and mods, if this is posted in the wrong sub-forum, kindly please tell me where to post it so I can get maximum exposure to this post. Thanks a lot all for reading.
  5. A shampoo ruined my wife's hair through no fault of her own. We've been through the letter route. They only responded once and that was to an email we had also sent, but they acknowledged receipt of the first letter in that email. Exasperated with their denial of liability, we're pursuing them through the small claims court. When I submitted the claim online, the company address I gave was taken from their website contact us page. I'm now having doubts if this was the correct address to use as 1) their registered company address is different 2) The Royal Mail signed for letters never got marked as delivered - it was only by chance the email they had sent mentioned they received the first letter (with the photos). I travelled to their address and saw it was a business unit address possibly used for storage (i.e. a little smaller than a 2 bed terrace). What should I do now the 14 days + 5 days for issuing the court notice is nearly up? They haven't as yet (and are unlikely to) responded to the claim - it is tempting to just ask for judgement, but then I don't want it thrown out of court or find it impossible to collect from them. Any advice apart from see an expensive lawyer which would then make it not worth the costs of it all?
  6. Hi, I took a contract out with DW Fitness 5 months ago purely based on the fact they had certain cardio equipment I intended to use over winter listed on their website. I’ve only used the gym 5 or 6 times since and only for weights as the weather was good so I’ve had no need to do indoor cardio. Ive since been back to use the cardio equipment and it turns out the gym don’t even have the equipment, it’s listed clearly on their website in the cardio information section of the club I joined. Essentially I’ve been paying for months for the privilege of kit they don’t even have! ive contacted them several times to ask them to cancel my membership due to the fact I was misled by their website and the fact they don’t offer the facilities they claim, however they just ignore my communications and they don’t answer the phones full stop. I’ve obviously kept a electronic record of all of my attempts with , my last email I informed them if they neglected to reply to me again I’d simply hold them in breach of contract for failing to provide me with a resolution due to a lack of engagement. They still continue to ignore me. The staff at the gym are no help, they say to complain electronically which comes to nothing, or say theyll get back to you and never do. Where do I stand on this due to the fact it was false advertisement that got me to sign up in the first place, plus their reluctance to engage or assist me with the problem. Can I just cancel my payment and cut contact with them and treat them with the same contempt? thanks for your time
  7. We lived in HA housing in a rural community of about 40 houses. The lady next door to us moved in about 18 months ago and seems to be a very nice and polite person. However about a year ago she started a hedgehog rescue which is very commendable. We thought that charities which are a business were not allowed to operate from HA properties. However she is not removing droppings regularly or disinfecting and piling up bags and bags of their compost. Consequently in summer we had a plague of flies and blue bottles plus on hot days a terrible stench over the neighbourhood. It is now winter and for the first time in 8 years we are still having an issue with flies and bluebottles. Yesterday she had another load of crates delivered which means even more hedgehogs on a piece of ground that is not larger than 65sq metres. This is of concern to us especially as I have rheumatoid arthritis and my immune system is low. Hedgehogs apparently can transmit salmonella to humans because of the bacteria in their droppings. I not sure if it can become air borne, but I am wondering why I have been suffering from a sore stomach for awhile plus other issues. Just to add we have 3 Yorkshire terriers and 2 cats. Only one cat ever leaves our property but never goes next door. The pets have been with us for several years. We want to issue resolved but do not want to fall out with the neighbour so are not sure how to approach the matter. Please advise. Thanks.
  8. Hi folks, If this isn't in the right place could the mods move it please, it concerns a boiler I had installed in April 2016. When my wife and I moved into our current home in March 2016 we had the heating system replaced by a company called Ecovolve. Ecovolve have subsequently gone out of business. The boiler is an Alpha 28KW model. The boiler has developed a fault whereby it loses pressure over time. I have had my usual heating engineer out to inspect it and he has diagnosed a faulty pressure vessel within the boiler itself. After pressurizing the vessel and filling the system it will continue to operate for a period of time before the same thing happens. It is confirmed in each case that the pressure vessel has lost pressure. I have contacted Alpha (by email) to inquire about a repair but they have responded by offering me some sort of service plan, which of course they want me to pay for. My understanding though is that any fault should be covered by the Sale of goods Act, or am I wrong? Any help much appreciated, I'd like to be more knowledgeable before responding.
  9. Hi I bought a car from a dealer back in September I've been advised that the turbo needs replacing. I have 1 years warranty with the car the warranty provider is trying to claim that it is wear and tear. I have checked the policy booklet and the turbo is NOT amongst the items not covered on the scheme I have. My mechanic stated that the air intake was broken around the turbo area and the seal was broken in half, he stated that it looked like a botched repair previously done. I have sent the warranty provider an email threatening legal action with my findings and am ready to take action against the dealer concerned. I have written a threatening letter to the RAC (the RAC are in charge of the dealer concerned) as well but I would like some advice or ideas how I can progress this matter?
  10. My partner has a llyods loan and has had 2 holiday payment breaks in the last year (contract stated 2 in 1 year) she is at the maximum but is finding it hard financially after having a baby. She ideally would like to put the loan on some kind of a hold until she goes back to work full time (around 6 months time) Is there anything that she can do? it would help massively as the loan repayments are around £400. If not she will just have to soilder on thanks guys
  11. Hi, I have a debt which was with Barclaycard originally back in the 90's, roughly £7k. I got into trouble a few years ago when I was ripped off by an investment company who put me out of business and stole several thousand pounds from me. I was advised to use Step Change in 2016 to sort out 4 debts in total. I was not aware that this system would only last for 1 year ( paying a nominal sum per month to each debt) and that afterwards I would be back to square one. After it ended I was abroad working for a few months and was not receiving my mail. Now I seem to have Link Financial chasing this debt ( who I have heard are very aggressive) I wrote to them at xmas last year when letters caught up with me at last and asked them to provide proof that they can chase the debt. Our correspondence crossed in the post and they had already sent a court claim against me in January, which I acknowledged with the online money claim system. ( I have not put in a defence yet as I was awaiting the response from Link.) Now Link have sent the 'proof' which consists of; copies of payments made via step change, letter from barclays stating account moving to Link, general terms and conditions for the card debt, but no copy of the original signed document for the card. What are my options? Should I specifically request the signed document or do they have enough to take me to court? They are trying to force me "sign the admission" via the court summons "supported by an offer to pay monthly instalments'. Link have already stitched on nearly £1000 for their court fees and other bits. I am not currently in a position to pay anything except a bare minimum as I only have a very small part time wage and some money I have saved whilst abroad to live on. Thanks in advance for your help.
  12. Hi there , Just a quick question i need help with guys , i have been a customer of perfect homes for 5 years and had a few items off them and most of them are paid off , i have currently 3 items left with them and 2 are nearly paid off , my question is with the final item , if i decide i do not want it anymore , and i refuse to pay for it , and i have told them i do not want it and to come and pick it up , can they actually do anything ? The reason i ask is the 3rd item is a 2ND HAND TV they sold me over a 4 yr period they charged me £3843, it was a 55 inch curved tv , i have paid over £1200+ on it so far , and have now come to the conclusion i actually do not want to pay another £2000+ on an item i could go out and buy for a whole lot less , ( the reason i had it in the first place was i had a 65 inch tv off them previously and it didnt work properly , so i handed it them back and the only other tv they had in stock was the 55 inch tv 2ND HAND !! ) i took that as i didn't have another tv , am i in the position where i can keep it after i have paid so much off it , or should i just cut my losses and just hand it back , because i refuse to pay another penny on it ? Any help would be appreciated thanks in advance Badboy09
  13. Situation as I know so far: Tenant moved into property in 2014 and contract stated the deposit was protected by 'Barclays Secure Client Account' - nothing more. rental was done through a lettings agency and rent was paid to them. About 18 months later the tenant came home to a man waiting in his car outside the house who identified himself as their landlord - had ID and paperwork. Agency had vanished and he hadn't been paid rent for around four months. He accepted the tenant had paid. It all checked out and the tenant then paid rent direct to landlord. He never has got round to renewing contracts but tenants have continued to pay their rent and life seems to have bumped along, presumably on a periodic tenancy. He wanted to know how much deposit they'd paid as he'd not been sent any paperwork. He's recently been in touch to say the agency has gone bankrupt and the tenant will have to contact 'them' to get their deposit back. I have asked the tenant to go back and find out who 'them' is. They aren't quite sure if he means the agency or someone dealing with the bancruptcy. So, on to the questions. Is it really up to the tenant to recover their deposit from anyone but the landlord? If it's all on the landlord must they do something about it sooner rather than later? They are happy living there and don't particularly want to sue their landlord but don't want to be told years down the line when they do go to leave that they should have done something sooner. It appears the landlord has a number of properties in the area and they're run as rentals under a company name. Does this make any difference to what they should do/how their deposit should have been protected? They don't want to fall out with the guy. He's been shafted and has been perfectly reasonable with them. They don't want to move and everyone is happy barring this deposit issue. What's the best way forward?
  14. This is a problem which the ferry company keep promising has been resolved, but every time we turn up for our next crossing it just happens again. I currently split my time between my sons in the UK and our home in south west France so regularly travel with Brittany Ferries. On 'Bretagne' there are two lifts with access from the car decks, one is clearly marked on their 'accessible' guide for the ship, the other isn't because it is actually dangerous for a wheelchair user as access involves a 90 degree turn from one narrow corridor to another even narrower corridor at the head of a staircase. The second corridor is so narrow that I cannot wheel my chair myself and the only way to actually complete the turn is for part of the wheelchair to overhang the staircase, which is incredibly scary for me, the person pushing me and any spectators and is an accident waiting to happen. Customer services ashore agree that wheelchair users should not be parked by this lift (I have this in writing) however the loading master doesn't agree and blithely ignores the risk because it's easier to park wheelchair users here. On the last occasion I refused to get out of the car unless we were parked by the other lift and they did give in eventually, however I am sick to death of arguing with them onboard (this is the first time we have won), complaining again and again, getting more reassurances from customer services that it won't happen next time only to start from the beginning again every time. There is unfortunately no reasonable alternative ferry we could use. The only other service going to St Malo is Condor and even if a fastcat had better access (it doesn't, it's a nightmare) it takes forever to get across via the channel islands and we end up having to stay overnight in St Malo before continuing our journey. Other Brittany Ferry services, e.g. to Caen, would be an alternative, but we've had similar issues boarding those ferries and the timing also often means an overnight stop (involves having to book two adjacent rooms to accomodate me and allow hubby to get some sleep, chances of doing this vary from little to none). Ferries are not covered by the Equality Act. Given that we need to continue using Brittany Ferries so don't want to alienate them completely, any suggestions other than keep complaining? I'm wondering if next time I should just not bother arguing, park where they tell us and then insist one of their staff get me to the lift and experience for themselves how difficult it is.
  15. We are about to buy a 4x4 Shogun and have put down a deposit. The car has brand new tyres all round on the drive wheels. As an after thought I inquired about the condition of the spare tyre. It has 4mm of tread so legal however the tread is different to the tread of the new tyres. On a 4x4 it is important that the treads on the same axle are identical otherwise you could damage the diff. Can I reject the tyre as not being fit for purpose to use on the 4x4? We like the car as it is immaculate otherwise and is being sold by a reputable dealership and we were thinking of a 50/50 arrangement for a new tyre to be fitted.
  16. HI, Wondered if anyone could help - I'm posting this for a friend of mine: Female with 3 kids under 18 lives in home previously shared with ex partner, who left 3.5 yrs ago. He has left BG bill in his name for all 3.5 yrs and and said he'd been paying it all along. BG have NEVER written to the female partner. On Saturday ex partner decided to try and take his own life and was sectioned. BG letter arrives on doorstep next day and my friend opens it to find its chasing £1700 bill (all still in ex partners name, not addressed to my friend (the female)) She's called BG and explained, and only after she explained he'd been sectioned would they even speak to her. They have as a result told her she is responsible for the full amount and have almost forced her (wouldn't allow any other options and basically said take it or leave or we';ll send debt collectors after you) onto a 50 month repayment plan for the £1700. She lives int he house and she uses the utilities. She has not has a bill in her name from BG in the entire time she's lived there. it's always been in ex-partners name. Is there any legal route out of paying this money due to BG being threatening (They were on the phone) and the fact is his debt not hers? Many thanks in advance.
  17. Firstly I do apologize if this is in the wrong place on the forum: My partner received a letter from Judges Demand demanding just under £2,000 for unpaid nursery fees dating back 4 years ago or there about's. Now when the letter landed on the doorstep enclosed with it was a "Contract" which printed was my partners name and previous address. Overleaf was a signature that they claim is my partners which is far from her signature used on things such as driving license. Within this said contract there was a term "If payments are more than a week late then entry will be refused until the balance is brought up to date". My partner is insistent the correct notice was given to end the placement within the setting. A claim the client strongly denies. There was an invoice enclosed within this which stated figures only. Not detailing what the figure was billed for. We sent an email across to ask the following: Could your client please provide me with a true copy of the contract that you claim I've signed as the signature is nothing like my true signature. Evidence of this can be disclosed upon request. Could your client also please provide me with attendance records along with any correspondence that relates to this matter. Can you client explain why a debt of almost £2,000 was allowed to be accrued before seeking recovery of the amount. Surely as per term one if payments are behind then entry would be refused. Surely at £170 there must of been some common sense used as to when to begin recovery for the outstanding balance and not allow it to exceed a specific amount. They have said they would like to see a copy of my ID with my signature although have advised doing so would not alter anything to do with the amount they are claiming, To date they've now replied to say that they are unable to provide attendance records based on the time that has elapsed and they are entitled to claim the balance they've raised due to 6 years not passed. They also cannot provide us with any correspondence sent across to address this matter before passing it to a DCA. They've completely dismissed the quote around allowing the debt to accrue so high before pursuing her for monies. They've said that she's openly admitted liability for the amount therefore they want her to pay - All correspondence by email. Upon checking the emails there is no liability admitted whatsoever I'm keen not to just ignore this as I too received one of these that I was liable to pay and I stupidly ignored it now I've received a letter from the county court bulk center wanting me to answer. The one for me is significantly lower so I don't want to ignore this one. If anyone can shed any light as to which direction i need to go in. We only have around £10 per week disposable income between us once our debts are satisfied.
  18. I purchased an engagement ring for my fiance and chose it off a stock ring they had in store, however I wanted a bigger stone. The store showed me a mocked up version of the same ring but with a bigger diamond than I requested. The bigger ring had a gap which the stock ring did not and I specifically asked the question (would my purchased ring not have the gap) as I preferred it without. The shop assistant presumed it had the gap because it was a mock up and may have been rushed. I wanted a stone sized between them both, which after speaking with the assistant thought it would arrive as planned because she'd reassured me. I waited a month for the ring to come in store and I was picking it up the day before I was leaving to go on holiday where I planned to propose. When picking up the ring I noticed that my ring did have a gap between the middle stone and the halo diamonds and have since come home and they have offered to fill the gap with silver (the one I have purchased is platinum), to make it appear more like what I originally saw. I just wondered where I stand on this as I feel that I haven't received what I was promised and although they're trying to rectify the issue, I would have much preferred the ring in its original form without any filling but just as I'd seen it. I was also advised to get the ring in a size M because I didn't know her exact size but did say she had skinny fingers. The ring is 7 sizes too big and because either side of the stone there are diamonds, she cannot have the same band made smaller because they can eventually fall out due to the amount of pressure put on it to make it smaller. We are quite disappointed with that as obviously she wants the ring that I proposed with but now we must have a totally new band and have all of the diamonds transferred into the new band. We were also originally told that this would take 2-2 and a half weeks and it is now taking 3 plus the time to fill the ring and transfer all of the diamonds across so it will be more like 3 and a half in total. Seems like such a polava considering it is a big purchase to make.
  19. Good Morning, I recently finished a temporary contract at a local firm and when I inquired about my holiday pay, the agency turned around and said they don't owe me anything. They said that if I did another assignment and complete my 12 weeks, I would get it then but it was my understanding you build up holiday pay immediately? I have been on holiday since being on the assignment as well. I was there for 9 weeks at 37 hours per week. Surely you can't just automatically lose what you've built up? I would appreciate some advice here because I am not sure if this is right or not.
  20. Hi there Im new to this forum and need some advise please. Heres the story My friend has received a "Issue of warrant of control" letter a few days ago , hes confused as to why this is, we checked on his credit file and noticed a ccj that has been placed by Lowells, how surprising! its weird as some guy knocked asking for my friend a week ago he said he was from resolve call! not sure why as i said he isn't here s the guy just walked off. Not sure if he was connected to Lowells or the same debt. he has never received any court claim forms at all prior to this the debt is with littlewoods online catelogue. Please can you advise on what is his best action. Hes on a low wage only works part time hes worried now as we dont want bailiffs at the door , they would go straight for the car! Any help is much appreciated.
  21. Dear all, I mistakenly filled in a credit application for Screwfix in 2013 for a trade account (for a company I used to work at). This company has recently gone into administration and I have been sought after to settle the outstanding amount (nearly £1000) - as apparently the credit application doubled up as a "personal guarantee". Their credit app was not clear to me & it was blurred out and photocopied on a number of occasions. (yes I know I shouldn't have signed something I couldn't read) In addition I resigned and left the company in 2014. How can two different legal entities sign a credit app (as director) but also as personal (for a guarantee - without it being made clear?
  22. Hi all, Myself and two others were due to sign contracts to move into a 3 bed flat this Saturday, but one of my prospective housemates quit his job and pulled out last minute. Me and the remaining person can't find a replacement, nor do we want a random off of spare room. Problem is, we paid a £338 holding fee each and have now lost this as a result. The person that pulled out originally said they would pay me and the other person back the £338 each that we'd lost, but has now gone AWOL. The other person is furious (I tend not to fret) and we were wondering if there was any legal action we could take to get our money back off the person who caused the move to collapse? Thanks
  23. Hello, I have received a number of letters from DRP (the debt recovery company that NE Parking Ltd use). My car was parked outside a hotel that has been closed down for over a year from 8-11pm at night. put a ticket on the windscreen so far down that I didn't notice it was even there until 3 days later when I turned my wipers on to wash my windscreen. The picture they included on the original letter shows my car but doesn't have the ticket on the screen in the window. I have ignored about 6/7 letters from them and now have received a 'final settlement offer to avoid court action'. Has anyone else got this far with them? Do they actually issue in Court? Thanks in advance.
  24. hi guys this is my first post. I appoligise if I accidently break rules. Background I been using a waste disposal broker for my sandwich bar. All was going well until I received an over loading invoice which had 2 dates that i had apparently over loaded. Charge amount 69.05 10/01/2018 overload by 25kg = £5.25+vat was using 660ltre bin allowance 42kg 31/01/2018 overloaded by 249kg = £52.29+vat was using 1100ltre bin allowance 70kg Total = £69.05 between these 2 dates I had actually received a larger bin so when the collection happened on the 10/01/2018 i was using a 660 litre bin which had a 42kg allowance then on the 31/01/2018 I was using a larger bin which is a 1100litre bin which has an allowance of 70kg Grounds for dispute My dispute is if I only went over by 25kg on a 42kg allowance how have i gone over by a Wapping 249kg on a larger bin which has a 70kg allowance. Also that is a lot of weight to put in a 1100 litre bin please my own rubbish there’s clearly a mistake when i raised this issue with the broker all they kept telling me is they have tracking records from the bin collection. However that’s not what I’m disputing (if that not what they had on their records then they wouldn’t be charging me in the first place). I’m disputing the legitimacy of the charge IE did they register the correct bin when they did the lift, I know they collect multiple bins from the same location maybe they lifting another bin by mistake. How do I know they didn’t receive a back hander from someone to throw there bins away and decided to place it in mine Now they have basically refused to credit the charge although I have had one of their own member of staff admit the figures do look off. I feel there just trying to bully this amount out of me. As brokers the waste company they are contracting to collect the waste are the ones provide them with the collection/lift info. I feel they can’t be bothered to investigate with the waste company what’s gone wrong Actions taken I am still using them to collect my waste as I am contracted to them till April 2019 and pay my waste invoice but u haven’t paid the over charge. So I have received a letter stating 1. they now will add a charge of between £40 to £60 to the charge ( haven’t actually stated amount) 2. the next course of action is to commence county court proceeding to recover debt and will result in added interest and fees I know in my gut there just trying to bully me into just shutting up and paying. Can anyone advise what action I should take? Thank you
  25. Hi, Like most posters, I'm having an issue with Harlands over cancelling my DD prior to filling out their online form. I received a letter in the post today demanding the £19.99, as well as a £25.00 admin fee. I'm not going to pay the admin fee, but am happy to pay the £19.99 as I recognise that I cancelled the DD within the 30-day period. I am going to use the letter template below, which I found on another post with exactly the same issue. However, I'm a recent graduate who is working nights to save for travelling, which means I have all the time in the world to deal with these people. Given the widespread nature of this issue, would it be worth contacting a TV Programme such as Rip-Off Britain to try to nationally shame these bullies? It makes my blood boil that they are effectively spoofing more vulnerable people out of their money. "I refer to my membership at Xercise 4 Less gymi in XXXXXXXXX which was a month to month agreement. I cancelled my direct debiticon mandate in September but realise now that I should have given 30 days’ notice to cancel. Cancellation of the DDicon mandate was adequate notice of my wish to cancel. I now offer to pay £19.99 for the notice period. I will not pay you any administration or cancellation fees. If you confirm in writing that you will accept the amount of £19.99 in full settlement of all that I owe, I will pay you promptly. If you fail to accept my offer within 14 days or you demand any higher amount, I will pay you nothing and my offer will be withdrawn. Yours Faithfully, XXXX" Edit: Forgot to say.. First direct debit went out of my account 18/09/2017, I cancelled shortly after as I wasn't impressed with facilities. They tried to take the next monthly £19.99 payment on 04/10/2017 which obviously got rejected.
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