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About Me


  1. Hi all My stepson aged 30 recently left the family home after living with us for over two years and moved in with his girlfriend. Although his mail came to our home, he was never on the electoral roll as residing here. Having cleared his room following his departure, we found a large quantity of unopened mail from creditors and a CCJ from a few months ago demanding he maintains his agreed £100 per month payments. Yesterday, a bailiff turned up at our home demanding £1,750 that my stepson has run up as a debt, but with whom I don't know. I told him that he moved out in November to an
  2. Hi there, I am self employed and have worked successfully with TaxAid to get rid of any fines, so I know exactly what I need to pay. The debt is about £9,000. How can I best negotiate with the HMRC Taskforce without taking the bankruptcy route? I have heard of asking for the debt to go into remission, which basically pauses it for a length of time. I can afford to pay about half of the £9k up front. But I don't receive a monthly wage, it comes in unpredictable chunks throughout the year. Does anyone have any advice about how I can propose a repayment schedule? (I wil
  3. It's only taken them 20 months to tell me this. I applied for council tax online in Feb last year and got a letter in standard size print. Ok, fair enough, there's no option for letters to be sent out in large print. I spoke to someone in the council and asked for my letters to be in large print. I was told this would happen. It never has done. I've asked every single time I've received a letter and have been told each time it would happen. In August, I was told they had put something on my file stating that I needed my letters in large print which someone had missed. I was
  4. Hi All, A friend of mine is having a problem that I'm helping with. He purchased a secondhand Mercedes sports car for £26,000 from what he considered a reputable car dealer (not main dealer)it was delivered Thursday 13th July 2017. They are FCA regulated (Ref No 658267 ) and a representative of (MBI) Limited (Ref No 312143) He paid £10,000 deposit cash and the rest on finance with Close, the first day he noticed problems which were reported the second day, he thought there were gearbox problems and noticed the active intelligent lights were not working. He was asked
  5. Wifes car was run into last week so rang Hastings to register claim which is going through ok as they admitted liability. However realised today due to a big phone bill the call was charged at 41.75+vat. I am completely shocked at this especially as it wasnt our fault. I've registeted a complaint with Hastings to try and sort this out as this seems totally unacceptable to me. Has anyone else had similar issues? Who is the best ones to turn too if no luck with Hastings?
  6. I bought a Denon AV receiver about 7 months ago from an online retailer. I now need to return it for a replacement power supply as it is making a humming noise. The retailer tells me I need to purchase packaging, arrange a courier and they will contribute £10 for carriage. This is a large and expensive item so packaging it safely will be a big job and I am not sure that £10 will cover carriage and insurance. They tell me repair could take up to 4 weeks which is very inconvenient as this is a critical part of our media system and used daily. I realise being without f
  7. Sorry of this is not the right place. My dad sent a large amount to me this morning via faster transfer. Was sent from his HSBC advance to my Co-op account. We set up the details the other day and sent £50 to test it was right and the payment this morning was via the automated phone system using the details which were already set up so they are 100% correct. Its 9 hours since and no sign of anything my end, he is not home and comes from the 3 day transfer age so doesn't seem concerned but I am pretty worried as I know its almost instant now. This must surely of been flagged up for furthe
  8. Hi - not sure which forum this belongs to so will try here. Firstly (I say this first to make the situation clear) I deliberately did NOT sign a contract with these guys because I didn't agree with the terms. I was sent reminders to sign all the way up to the date of the first DD.. and then they duly took the first and subsequent DD payments without the agreement signed. (What is this type of contract called where some basic terms are implied by the exchange of money? "Implied Contract"?) this is for car insurance. My favoured insurance broker uses Close Pr
  9. I put a claim in with our local council for damage to my car caused, there was a large dip in the road, since hitting it the suspension has no dampening in it, and there is a bad knock. I emailed the council highways dept, who passed it to their insurers, Zurich in Newcastle. They asked for a road report from highways, and after 2 months, came back to me with claim refused - not accepting liability. They sent a road report, with reports that has been made from the public - on this there is a report for the dip in February 2016 (large dip in road, can this be repaired, and counci
  10. I run a small limited company, and in the past we've referred our clients onto another (much larger, huge international) company who supply products and services that accompany our own. Way back in 2011 we requested some loan/demo equipment from them to exhibit at a trade show. The other day I got a letter from them saying that the loan was for a period of 1 month, and they are going to charge me a daily penalty rate for the period since (over 5 years!), unless I can prove that it was returned. The letter states (potentially misleadingly) that the value of the equipment is £1000, but it
  11. Hi Bought a used car form large dealer Oldham cars fine but had a private plate on car we p/exd, salesman said he'd sort the transfer no problem as part of deal (we have evidence of this) BUT they sold our old car with reg still on now we cant get it off as DVLA say only registered keeper can transfer it and they wont, dealer basically ignoring our calls etc. as I've asked them to cover the cost of the plate but wont. Any one any idea on what if anything I can do? Thanks for looking.
  12. Hi, I recently brought a small claim online against a large insurance company (following a recorded delivery warning letter giving them 7 days to respond, which they ignored), they did nothing so when the appropriate time had expired I applied online for judgement against them, specifying I wanted the full amount, plus interest, costs etc, paid immediately (the original loss for which I claimed was 6 years ago). I now have the judgement as of 30th September, and confirmation arrived by post from the court yesterday. The MCOL service show the next step as to issue a Warrant, but it then s
  13. Hi All, Just today it has been confirmed to me that my beloved male dog has a large cancer within the muscle wall near his hind left leg. We found the lump last week and immediately took him to be checked - the lump is huge and very hard. Prior to this he had been his normal bright self, not off his food, not losing weight so nothing to suggest he was poorly. We have been told he can have surgery to remove it however they would have to also take a substantial amount away from around the tumour and then it would be major reconstructive surgery to close the wound. There is about
  14. Hi, I've just terminated a rent agreement for a residential property that was under a business let with my own company - was accommodation used whilst contracting away for home. The letting agency are being quite difficult about the cleanliness of the property when I moved out, even though I cleaned extensively and left it in good condition (I've been renting and letting my own property for 15 years and I have never seen anything better, tbh). However, their inspection has revealed some dust and a few other items that could be attended to. They are asking for around £250 for what is, at m
  15. Hi, Sorry if i'm posting this in the wrong section, i'm not even sure that it is something that people may be able to help with. Anyway, i won't go into full details, but a family member is owed a large (six figure) amount of money mainly due to unwise business decisions and also being, well conned is probably the correct word to use. So if it is something that someone may have some good advice on recovering the debt i will post the whole story so people may be able to help. P.S. Not trying to portray a sob story but the person concerned is in their eighties and could poss
  16. I wonder if anyone can help I brought a laptop on buy now pay later for £399, which was up in july. I havent recieved a final statement, just a statment through saying that my paymnet was due on the 12th of July and here, have some interest of £154!!!!!! After ringing them, they have basically told me tough, i can send a letter in if i like, i should of rung them??? ( I have been waiting for the final statment) They will not remove the interest...................... is there anything i can do, this seems like over the top bully tatics to me
  17. Hello all, i'm new to forums and here and just looking for a little help and advice. Today after picking my mail up i have received a letter from Department for Works and Pensions, telling me that their records show i owe them just over £15,000. I was shocked and horrified, at first thinking is this some sort of joke. But the letter is short and looks genuine. the letter tells me that if they don't hear from me from a certain date for repayments they will accept this as my choice and issue no further reminder letters. The next step would be to recover the amount from
  18. Hi, any advice on this would be greatly appreciated, bit of a long story but here we go.. My girlfriends dog had a bad leg so we took him to the vets, suspected cruciate ligament damage so booked him in for an x-ray, we were advised if it was cruciate then costs could be £2k ish, only verbally by a lady who worked in the vets. She has insurance so we checked and insurance covered first £1500 of a cruciate so were expecting £500ish bill. The dog went in for his xray, they operated there and then he stayed overnight and came home the next day with a buster collar on and leg stitched up. W
  19. Hi I was hoping you could help? I have a Rossendale problem. I owed council tax from 2011 which I have paid all but £90.00 0f. As I had apparently an agreement with Rossendale to pay 40.00 a month. I actually paid what I could when I could and paid off nearly 700 quid. An agreement I do not recall but bailiff said I did, but I recall signing nothing. He visited me for the first time today and did not enter the house. But asked for an agreement to be set up over next few days. The bill he gave me was for £325.00. I proved to him v
  20. I was driving in West Sussex yesterday night about 21.00 hrs, I hit a pothole which appeared to be a puddle. Turned out to be a 4' long by 9" deep hole with a burst water main below, it's caused damage to the steering /suspension on the car. I called the Police and waited for the to arrive. They coned the road off etc. and gave me an incident no. My question is... Should I claim for damage from West Sussex County Council, or The water company?
  21. Got what maybe a little problem. My friend and his family he lives with are pretty rich who have a fair number of properties and commercial properties (2 they use them self and 1 other they lease out). They are pretty rich but was desperate to purchase another property and they was a little short of money in a short space of time in their bank accounts. So my friend asked me for 10k to be transferred into his account and on the day of transfer he will repay me 10k which he did (in cash as he receives mainly cash from his company sales) Now a week later he was pretty desperate and sai
  22. Hi I hope you can help me? I really don't know where to start. I have recently split up with my partner of 20 year. We had to sell our large detatched house and go our separate ways. Fortunately i was lucky enough to get enough money from the sale of our house to buy my own little house for me and my son. I am currently unemployed and i suffer from anxiety and stress, i do get some help for my son from my ex. But, i am struggling now to make ends meet and to top it all off, in the next month my catalogue Buy now pay later purchases will come into affect. I currently owe over £3
  23. Hi Guys - Fairly new to this posting malarky so i'm expecting a good response from those who know: I took out a loan from Welcome Finance some 6 years ago now and fell behind with repayments on the loan shortly before this PPI scandal kicked off. Pretty sure most of the debt is now paid off however I've had a letter from Empingham chasing me for just under 3k to which clearly I dont have. I was sold PPI at the time of the loan to which i told was a condition of acceptance. I've SAR'd these con merchants and they've sent me a copy of the agreement with my signature on it. My question is ho
  24. hi i have a question if anybody is able to help i would be most grateful. Money owed to a major bank £24k this was year 2000 ccj was granted, now i have heard nothing since 2003, nothing on credit files or ccj register. i approached a mortgage advisor as i thought my credit wasnt to bad now but i told theml under no circumstances to go to this bank, left it in their hands, she phoned me back 4 hours later and said she had a offer in principle from this bank!!!!!!! now my question is will the bank know it is me? and has this opened up a can of worms.
  25. Hi, I am deliberately posting this question in the local authority parking sub forum as I wish to know how local authorities deal with large cars? The standard size of a car park space in a multistorey car park is 2.4m x 4.8m however I noticed a colleague had been given a speculative invoice because he drives a Jaguar XF which has a length of 4.961m. There is no way this will fit into a car park space even if you risk damaging the vehicle by touching the wall. If he had parked in a local authority multistorey car park would the council be able to issue a PCN for failing to park
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