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About Me


Found 21 results

  1. I guess it is same old story, had a lot of credit cards due to expenses from old job, always paid them off until things went wrong with work. Long story short, had about 6 cards and several other debts, debt was between £50k and £80k, interest was frozen, it is just I lost most of the paperwork when I was homeless. I do have PDF's in cloud of bank statements. I foolishly serviced the cards for years, until finally accepted I could not afford to service them, Then even more foolishly I kept the debts alive for even more years by making token payments. Then things got even wo
  2. Hi, I'm a First Direct Customer and have had a mortgage with them for over 15 years. I am so impressed with their customer service, that I bought their buildings insurance. I've had the policy for donkey's years. In May 2015 I had a leak which came in from the next door neighbour. The ingress of water stayed well below the joists and never damaged any flooring or contents. I repeat, water never ever at any point damaged any of the building or my personal belongings! Asprea, which is a claims management company which is owned by Aviva, assigned a surveyor to manage the claim. How
  3. I hadn't actually thought such might be possible until seeing bankfodder's thread: http://www.consumeractiongroup.co.uk/forum/showthread.php?444374-ScottishPower-%96-do-you-want-to-sue-ScottishPower-in-England-%96-Contact-details but am now interested in doing just that. Cut a lonng story short: I am sick, weary and tired of having to do Scottish Power's work for it in terms of (a) accurate billing and (b) best practice customer service, neither of which seem to me to be concepts that this company even faintly understands. Six months ago it issued me with a final bill on
  4. Hi I got an OPC parking ticket back in December for blocking the road of a private estate (back of a shopping centre that has flats on the top) I was annoyed but in the end I decided it was my fault so I payed the £50. In February i was parked in the same private parking area only this time in one of the bays provided (I would also like to point out that i used to park in this place everyday for 3 years when i worked in the shopping centre and never got a ticket) and I got another ticket! i looked around and no other cars parked like me or the ones blocking the street had tickets. I
  5. Hi, my son started residing with my ex-husband 7 years ago when he was 12. My ex-husband never claimed any money from the Child Support Agency as he was earning a good salary and I wasn't bringing in any income. However the CSA have demanded money me ever since - I've ignored all communication until last week I got a letter from them demanding child maintenance arrears of £300 (for my son who is now 19) and threatening court action! HELP! What should I do?
  6. Hi, I recently contacted CFO Lending with regard to a total outstanding debt of £800 that i am struggling to repay. They have offered to let me pay the debt off over a period of four months which initailly i was pleased with. However these payments are still too high for me to afford and I think there may be a way for me to dispute these high payments? Does anyone have any experience of dealing with CFO Lending or any other options available to me? I am prepared to pay off the debt but only at comfortable payments that i can afford. Any help is much appreciated. Thank you!
  7. On the 30th of November 2005 my S500L was recovered to Mercedes-Benz Chelsea's workshop for warranty work. I was subsequently asked for £6,640 as the damage to the car was "caused by you or somebody known to you". This was not true as proved in the trial at the County Court. Now, in 2014, I have reached the end of a long and expensive legal action and it is time to tell my story. I am looking for a person(s) to help me turn this long and complicated story into a concise easy to follow story. I have tried several times , but, its the old story, that, as I have lived with this fo
  8. After many months of faffing about from Buchannan, Clarke & Wells & threats of legal action from me Buchannan, Clarke & Wells have finally decided to drop chasing me for this alleged debt & decided to hand it back to the Original debtor . Hopefully the original debtor will stop chasing me for this alleged debt & decide to write it off
  9. Hi, I am an international student staying in UK for brief periods of 4-5 months every year. I unfortunately have a debt I owe O2 of 493£ from 3 years ago. I am in a bad shape now and am leading a hand to mouth existence. I recieved an e-mail recently from Lowell, offering me a settlement plan of a one time 290£. I was in my home country then and wrote back to them saying I may not come back to UK but would still settle for 150£ which is all i had in my UK account. They never responded to it. I am now in UK for a couple of months and I received a letter from RED asking for full payment o
  10. Hi, First of all thanks for reading my woes with the DVLA. I will try and condense the information down as much as I can but it is a little long winded, so here goes. The vehicle I am writing about was correctly declared SORN since June 2011 and for the most part sat untouched on a private driveway. On December 12th 2011, I started a new job and although we struggled with one car for this month it was decided we should get the secondary car back on the road. I work shift hours and my wife works part time core hours so a secondary car was absolutely necessary. The vehicle in
  11. Has anyone heard of this happening to others since the transition of Abbey over to Santander? I set up an online 'Easy ISA' with Abbey back in 2006/2007 and used to manage it online via a passcode. I remember going into an AN branch one day back in 2008 and they couldn't find this account on their system, I was told because it was an online account only. I was reassured when I went home and logged in to my online banking, that I could still see the ISA. A couple of years passed and the name obviously changed to Santander, bringing about a new online banking system/interface. I forgo
  12. Hi there... I am desperate for some assistance please. My timing belt recently broke on my car. I have a Megane 1.6 and was advised by both the AA and a recommended garage that my timing belt + valves had probably gone. My car was towed to the garage, recommend to me, and they advised the cost of replacement would be approximately £1,200. It would involve removing the engine completely, changing the belt and putting the engine back together. Desperate to have the issue sorted and not sure where else to turn I agreed to the work. I paid the garage £600 upfront for
  13. Hi guys, I have a issue that's keeping me awake at the moment, i don't know what to do as I have never been in a situation like this, any help or advise given is greatly appreciated, ok this is the issue: About 2 months ago i purchased about 25-30 tops of a well known British brand name from a warehouse with the intention to re-sell them for some profit, to raise some of my student fees. I believed in good faith the items i purchased were genuine items and not counterfeit as also none of the customers i sold to had any complaints. I sold about 20 on ebay and as i was selling th
  14. Hi Over 2 years ago I had a seizure and after that I had a few minor ones, but I had my license revoked (annoying but I see why) Anyway 12 months of being seizure free after an operation I applied for my license. Both my GP and specialist filled out forms and about 3 months later I got my license back. 2 months after that I then received a letter from the DVLA saying they had changed their mind and now want to review my case further and made me send back my license. I know everyone says this but I am now absolutely fine have been for 18 months. I have phoned, emailed, sent letters w
  15. Dear All, I am sorry to ask for help and guidance but i need assistance urgently. In March 2007, Halifax obtained a suspended possession order against me. I made the agreed payments and about a year later they capitalised the arrears. In September last year my left me without any warning leaving me with our disabled daughter. 60% of the household income gone in a flash. I spoke to my lender and it was agreed that i pay £50 per month until tax credits etc were sorted out. Tax credits etc eventually sorted out in January this year but by the time I had paid the Gas/
  16. Following on from discussions in the Legal Action -How to Start Off thread, I am compiling a collection of all the most informative and helpful posts on dealing with litigation. There are numerous excellent postings throughout various threads on CAG, but due to the passage of time and queries/posts in between, the valuable core information tends to get lost. My intention is to group the vital information together in logical sequence to form a step by step guide, all in one place. It will also be a good opportunity for original authors to amend or eloborate on their original (now
  17. Hi, Back in January 2009 I took a loan out with Provident Personal Credit for £300. Everything was going fine (bar their extortionate rates of interest) until 6 months ago, when the agent stopped calling. I made calls and sent letters asking for someone to call, but to no avail. I received one letter about 4 months ago asking for payment, and I spoke to head office, who assured me that they would deal with the matter. Yesterday (9th December) I received a 'Service of Default Notice' from their solicitors demanding the debt arreasr plus a payment plan to repay the outstanding amount.
  18. Can anyone shed any light on the above question. I have been contacted by a debt company regarding a CCJ that was taken out against me some 12 years ago for rent arrears totally 500 pounds. This figure has now grown out of proportion to the original debt. I have been on the electoral roll for some 10 years without moving so it is strange why they have only now contacted me about this. What are my options? I have been made redundant recently and I am a houseowner and naturally I am stressed out about this.
  19. I am taking a company to court in two weeks time to an emploment tribunal. It turns out that all the paper work has been submitted under the companies trading name. The boss has been responding to all the paperwork and filled in court documents also using the trade name. Now his solicitor has pulled the name as being incorrect can they get the case thrown out???
  20. Hi All, I recently moved house and my previous landlord is attempting to take most of my deposit. There were a two issues brought up during my tenancy that I admit are my fault and will owe compensation towards: 1) The bath room tiles did develop some stubborn mould in places. 2) The kitchen table at the premises (the only piece of furniture not owned by myself) has been damaged on its legs by my cat’s claws. But after an independent inventory inspection on the day I left the inspector told me there was nothing much to worry about, the table had existing chips and damage t
  21. Hey guys, Just curious if anyone else has posted their dealings with Parking Eye online and recently had a "take down" request issued to them (possibly via web hosts)? I have, as have the moderators of the PePiPoo consumer rights bulletin board. Apparently reporting the methods Parking Eye use to get money out of people is "defamation". Unfortunately it means I have to pull one of my blog posts down by Monday or my entire site will be removed by my hosts. The legal seagulls involved are a company called M Law. I have a feeling Parking Eye are running frightened from the bad publ
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