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  1. Brunowales

    Mbna ppi

    Hi All Just got my SAR back from MBNA. CC taken out 1998. Defaulted 2003. Informed no CCA which is good to know as DCA chasing and have been cca,d. My question is the statments show payment protection insurance as well as penalty fees for late payments and over limit. Is it too late to claim these back? Many thanks
  2. Hi Everyone, Tricky situation, but I'm hoping for some guidance, found a few bits of info on here. Unfortunately my father passed away last summer. I am joint executor (with my sister who lives overseas). Here's the background but unfortunately I don't have much paperwork - He had a small bungalow worth £225k but also a £162,500 mortgage. This was sold by GE money to him, aged 70, for 14 years (In 2004) - interest only. He wasn't great with money(his whole life tbh) and soon fell into arrears. In 2006 it was sold on to Engage Credit. We are about to finally c
  3. Hi all, I noticed that I will not have enough money in my bank account to cover my rent for the 1st January, but I will receive my student loan on the 14th where I can pay it in full. I have never missed a rent payment in nearly 2 years of tenancy. I emailed the agent if they could show leniency and waive the £35 reminder letter fee which is laid out in the contract as - 4.3 The Tenant shall pay interest at the rate of [4] % per annum above The Bank ofEngland's base rate on any rent lawfully due that is paid more than 14 days after thedate on which it became due. The interest will be
  4. Morning all, I have an interesting but perhaps a rather open and shut case with TNT Direct aka Parcel2Go. Purchased courier service to transport a PC from my home to a close friend in the USA. Paid £68.46 on 15/11/2018 for collection on 19/11/2018. Delivery within 1 - 3 days but confirmed for 22/11/2018. Customs paperwork and FCC 740 form was completed and provided. There is very little information out there on how to complete the FCC 740 form but after finding the example version on the FedEx website I completed it and attached with the parcel. 19/11/2018 TNT arrived to
  5. Hi, my friend took NE to London to apply French visa for January trip. The bus arrived in London one and a half hour late because of the driver went to wrong direction (which is unbelievable!) She missed the time slot for French visa, and it is unlikely to apply visa anytime before January. (She has bought tickets and booked hotel already) I searched NE website regards of compensation, but there is not much information. She allowed one hour between coach arrival time and visa. Could she claim the foreseeable loss?
  6. Hi I recently had a successful PPI claim with MBNA. I have received a 50% payout but as it was a joint loan, 50% is owed to my late wife. Initially, MBNA refused to pay me her share until I provided a Grant of Probate or Letters of Administration. After explaining I have neither, they eventually said they will accept documents from a Court or a Solicitor confirming that no Will, Letter of Administration or Grant of Probate was ever made. My wife had next to nothing in assets when she died so, as I understand it from the gov.uk website, I didn’t need to apply for Probate as, in t
  7. I was a dual fuel energy customer of Future energy, joined them in August of 2016 I provided them with accurate usage figures for the previous twelve months and they set my monthly direct debit figure. Service wise it was poor from the outset their web site never functioned, just constant messages saying they were working on it and the service would be available soon. Unable to access bills on-line I was reliant on paper billing and in May 2017 even this stopped! I telephone Future on numerous occasions to express my concern that I was not receiving bills and
  8. Hi there, First post! I’m a student an as it is summer and i’ve not been getting my student loan recently and only work part time i’ve struggled a little with money recently. My DD for xercise for less failed. Like many others on here i’ve been charged that famous £25 ‘admin fee’ in an email. The email reads: Harlands administer the collection of all payments due under your agreement with Xercise 4 Less. Your bank have advised us that your August instalment has been returned unpaid "refer to payer" as there were insufficient funds in the account to pay the amount due. W
  9. am a newbie to this wonder if someone can help me ive been fighting a PCN with harrow council since last year, had my informal appeal rejected and then was sent a NTO ages ago where I restated the appeal and didn't hear back, until a few days ago when I received a rejection letter dated in june which meant I was already out of time to appeal in 28 days. the reason for the lateness seems to be that they thought my company name was my surname and spelt it wrong, so the address was a generic campus/site address and therefore must have gone into a pool before it was redirected to
  10. Writing about my late father's pension fund. My mother just received a letter from a pension company who wrote they made a mistake and owe my late father £1500. He closed the account 20y ago I have successfully claimed compound interest against late payment charges on some credit cards - so I am just wondering if we can claim compound interest on this £1500. Any thoughts??
  11. Hello, Bought a TV from Very.co.uk 06/01/18, statement shows £559 for TV and £6.99 for Delivery Account starts with 1p in credit (from last order) Statement produced 03/02/18 says £5 due 23/02/18 With estimated interest of £0.41 based on payment balance of £6.98 Payment made 21/02/18 of £56.60 by card on the website towards the TV Statement produced 03/03/18 says £7.43 overdue Payment due by 23/03/18 actual interest £0.45 Estimated interest for next time £0.00 Standing order of £56.60 paid 05/03/18 Statement produced 31/03/18 says £0.00 due Shows payment ma
  12. Hi there, I wonder if anyone can help me with a small problem I have a littlewoods catalogue that i have had for a few years, Me and my wife only use it when they have a sale on or send us discount vouchers, We usually pay it off fully before the payment date The latest balance was £25 and i meant to pay it in time but forgot I suddenly remembered it today and logged in to find it should have been paid Friday, I have cleared it today with a card payment online and now it shows 0 balance Though it is the 13th today it actually shows payment made on the 12th which will be 1
  13. THREAD NOTE: the OP talks of a CCJ this is infact a DEFAULT MARKER ignore the reference to it being a CCJ. dx - siteteam ........................................................... Hi All, the is my forst post on CAG. I have a question, which im hoping the community will be able to advice me on if it is legal, and if not the steps to take to resolve this. 7 and a half years ago, i split with my X wife, which was quite a bitter split. In her wisdom, when we split and put the marital home up for sale, a few weeks later my x wife took the house off the market,
  14. Hi, Any help would be much appreciated as I have just paid all but one of my existing debts. It is from a company called Next Credit, a pay day loan secured against income. The loan was taken out in June 2013 due to financial difficulty I started to miss payments straight away, I have just noticed the company has been recording the debt as late payment ever since until October 2017 when a default was registered, this means at this moment in time I will have to wait another 6 years until the debt is removed from my credit rating, effecting my credit rating for a total
  15. Any legal guys here need help In January I needed to be fitted with a pacemaker. My surgeon told me that I must inform the DVLA but to also tell them that I had fully recovered due to the procedure and me bionic heart. Soon after I told them by phone and they said I would get a questionnaire to fill in. The facts ----- Due to the questionnaire not being returned in time my driving license has been revoked. Following a telephone call today I was informed that My license will not be reinstated even though they have the said questionnaire in their possession. I have info
  16. I was going though some paper work and found some statements going back 2010-2015 with astronomical charges levied on my current accounts by Lloyds. I remember sending a letter in 2013 but forgot all about it. Again I sent a letter last year asking for these, but I was told it is too late. But I am just wondering whether to send them a fresh claim stating that although I started the claim in 2013 never got a chance to pursue it due to house moves and other issues. Do I still have a chance to claim or is there a time limit? Thanks CB
  17. Hello all, long time no post When me and the mrs first signed up to brighthouse the late payment charge was £5. We have missed the last couple of weeks and discovered that the late payment charge has gone from £5 to £12. We've had a lot of phone calls and even a visit from some bloke who said he was from brighthouse. What can i do about the "unfair" late payments etc please. Surely if we signed up for £5 late payments then thats what we should be paying - we'd be happy with that and not £12. Many thanks P
  18. I wish I'd found these forums last week when I did a bit of researching online but came across a mass of other things and got confused. out of the blue last week I got a letter from Restons Solicitors (dated September 1st) stating that I owe ME IV Limited £758.05 on an old EE mobile account. They're saying they're instructed by Cabot Financial to seek payment of the outstanding balance and that if I fail to respond by tomorrow (Friday September 15th) then they are "instructed to request that the Court grants a judgment in Default" The letter then goes on to state about possib
  19. Hi, September last year, I returned my vehicle to the finance company under a voluntary termination. The following day, I filled out and posted the green slip from the V5 to dvla. A couple of months later, I received a letter from them saying I owed £40 fine and outstanding road tax for not taxing the vehicle. I wrote to them appealing, I sent a copy of the paperwork from the finance company showing the change of ownership, and I told them I'd sent the slip via 1st class post. They refused the appeal, saying that I should have received a confirmation slip, and if I hadn'
  20. Hi I have had 3 x late payment fees of £25 each on my car insurance with RAC which i pay monthly and credit is provided by BISL. I would like to reclaim these can someone point me to a template letter suitable to start the ball rolling ?
  21. :|My wife is a Carer who uses her car to visit clients homes. She's employed by an agency, but, doesn't receive a fuel allowance. She went on the HMRC website and filed what she thought was the appropriate form for claiming fuel allowance. She was told she would have to fill in a tax return form that would also include an expenses form. Being PAYE she had never had to do this before. So, she fills in the form, sent it off, and the next thing is she gets a letter telling her because she put her form in late,she had incurred a £100 fine and had (I think) 14 days in which to pay or it would inc
  22. Hi, I'm after advice on an issue I have with the DVLA before I make any contact with them! I have 2 vehicles registered in my name this year I only received a letter from the DVLA to renew one of the vehicles, when I went online to renew I checked for the renew date of the other vehicle to discover it had run out a month earlier. On discovering this I immediately paid for the vehicle, I also updated my address on both vehicles and my driving license as I was in the process of moving home. This all happened back in June. Just by chance three letters delivered to
  23. Hello, I am looking for some advice as Vodafone have treated me very unfairly and I am disgusted with their customer service. In April 2017 I called to give my 30 days cancellation notice as I had a new phone on order from a different carrier. I was told I could cancel my direct debit as I would get a letter with the final bill amount. Towards the end of July I received a letter stating I owed £112, I called them to query why it was such a high amount and to make payment. The advisor said it was a termination fee, I asked if I could make payment next month and he checked with the bi
  24. I've had a search around the forums and haven't found much in this regard, at least not where JD Williams/SimplyBe/Jacamo are concerned. Just a summary - in 2011/12 due to redundancy/ill health I got into some financial difficulties, end result is I have 3 defaults which I'm still contending with, but have repayment plans for and I'm currently trying to resolve/end. Besides these 3 accounts and since 2013 my credit history is perfect (bar the three accounts I mentioned). I worked hard to keep it this way so that when those defaults drop off my file at some point my
  25. Hi I have late loan monthly payments recorded on my credit report from Nov 2014 up to now . I haven't paid but want to clear the loan now that I can afford to. Myjar charges a late monthly payment fee if you are 3 days overdue on your monthly payment. I have had no record of them asking for late payment charges from me. Can I ask them to accept the loan repayment in full without any charges and is it likely that they will register a default anyway? Look forward to your response
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