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Found 20 results

  1. Paragon_CCA.pdfHi, Was wondering if anyone could take a look at the attached CCA to see if it is legal, I've had this loan for three years now and it's crippling me... Paragon_CCA.pdf Any help greatly appreciated. Best. Eoghan Paragon_TsandCs.pdf
  2. Hello all, I'm a first time poster so please be gentle with me! I've got an issue and would appreciate some advice. In February last year I purchased a motorcycle off the sole UK importer /concessionaire. The bike was three months old. I met the dealer [who is a director of the company] at the company headquarters. The story that came with the bike was it had been bought by customer on the Isle of Man who found he couldn't start it and that is how it came to be back at the importers premises. I paid cash to the dealer and he gave me a handwritten receipt
  3. Do I have a case for unfair dismissal? Please help Sacked because I have taken time off recently because my partner has been diagnosed with Cancer. I have needed to support her emotionally not only attending appointments I have Crohn's disease that is affected by stress I also have had days off due to this. I have been sacked without warning over the phone do I have a case?
  4. Hi Both myself and my wife ended up being criminals by getting caught speeding on the Grimsby Parkway by some stealth cameras both vat different times, both doing 36mph in a 40mph area. There has been loads of complaints about the speed limit as it is on an area of road surrounded by high walls and no pedestrian access - some would call it a cash cow. Even the Chief Constable got caught ! 6 weeks after receiving the NIP the speed limit has been raised to 40mph ! My query is whether or not there are any precedents in challenging the case based on it clearly having been a
  5. I took a payday loan from Capital Finance One Ltd in July 2011. The loan was £200 and the total repayment was agreed at £278. I did not wish to pay £15 for same day 'faster payment' so the loan finally credited my account 2 days after being issued. The loan was issued on 4th July 2011 and I initially agreed to repay on 29th July 2011 when my salary was paid. On 21st July 2011, I emailed CFO to ask to change the repayment date from 29th July to 4th August 2011. I explained that I had paid interest for a full month and repayment on 4th August 2011 would, therefo
  6. I have recently had a new bathroom, completed 12/12/13. The company that we used provided us with a verbal quote of £1400 to install a new bathroom suite, tile the walls, and install the flooring. We did not receive a written quote. We were asked to purchase the bathroom suite (toilet, sink, bath, towel rail, electric shower, shower curtain, toilet roll holder, waste pipes x 2), the tiles, and the flooring. We paid the final invoice (£1400. Full invoice details: "Labour only to install new bathroom suite and associated tiling") despite our reservations regarding the
  7. Hello, We've recentely moved out of the house in London that we rented for 6 months (3 girls). We've been renting via agency, but had to deal with the landlady as well (meet her, talk through the conditions, etc.). When moving in, we paid the whole rent upfront since we didn't have the guarantors + the deposit of 6 weeks rent (£1980). The landlady seemed nice and kind - she was keen on helping us settle in London, was interested in our lives. She was so friendly she even left her food for us in the fridge (Though I guess she was just too lazy to clean it up). She also asked us to allow s
  8. Hi quick question, I have been underpaid at work to an overpayment at work a few months back, my employer has completely taken my whole months salary as I have dropped down my contract at work, leaving me with literally nothing for the month to live on. I have bills etc to pay and nothing to pay them with. Is it legal for them to take literally all of my pay without even telling me in writing first? and Can I arrange something with them regarding payment back? I feel like I should take legal proceedings against them if they don't, can anyone help?
  9. Hey Guys, i have a CCJ i need to set aside and a Current claim i need urgent help on. I am in quite a bit of debt and working with Step Change. I visited the local CAB and they said i wont be able to get legal aid because of my income. Is there any other way i can get free legal advice or help? Thanks
  10. Hello, Can someone please help me - I am being chased for monies by MBS Recoveries. Money was taken out on my name by fraud and 5 years later I'im hunted down to pay the shortfall after the house was sold at auction due to repayments not made. I'm in dialogue with the bank and the Ombudsman - but im still sent letters demanding payment. I told them my situation and was left alone for a while. A week ago a Private Investigator turn up - he was apparently looking for me - i was still exactly where i was the previous time - same work same house. Can they legally persue me if i
  11. i moved in to a house with a 6mth short hold lease and wasrushed in to it saying it had 3 people after it so payed deposit and waspromised all work and house wouldhing be done up before i moved in when theypurcused it had been emtey for years and and just paint walls did no cleaningect was a mess said i was responable for windows if broke and report anythingelse well when got there could believe it and as time went on never did repairswas at times left with no water and had no heating in the freeze of dec2010 andso on loads of things mold everywhere washing mechine water ran in to yard werekid
  12. Hello I would like some advice on how to put in a complaint about a solicitor/firm. I have read related posts in here and have realised from what I have read that the solicitor has acted illegally as they have so far got two CCJ's for the same debt (I have just paid the second one as I got a warrant of execution). this is the legal bit that i found in here: 35 divison of causes of action it shall not be lawful for any plaintiff to divide any cause of action for the purpose of bringing two or more actions in one or more of the county courts. I read in another post to contact th
  13. Hi, I'm having a lot of trouble with my gym. I am signed up with a 12 month contract to David Lloyd. A couple of years ago I was with them as well but ended the membership as I sprained my neck and my spine during a session with one of their personal trainers. Ever since the accident I have had problems. I can just be sat down, just relaxing and then suddenly my back/neck will go and my movement will be very limited. I took out the membership again as I wanted to try to train my body to become stronger, develop around the injuries and hopefully stop this from happening. I used the members
  14. Hi folks...this is my first time posting anything of this kind of nature so I hope I don't say wrong things or cause concern where it's not really warranted. This is my situation, and I am not positively fed up to the back teeth of it. I'd not had any kind of problem such as this with any other energy providers so I am at a loss on how best to deal with this situation hence seeking guidance here. I started renting my current property back in March 12th of last year. I was informed by my first bill that my energy was being provided by Spark Energy. For one month's elect
  15. 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
  16. Hi PLease some one help me, I have a friend who is stressing out almost to the breaking point, please help me with giving some advice. Please Please. He got a on a train to work and forgot his weekly travel pass at home which he had already paid his weekly pass to London, which he does every week but simply forgot it that dat, he now even has a record of the payment n his bank statement. When he realised he it was too late, he went to the train guard to tell him but the train gaurd was really defensive and aggressive and said he would have to pay a massive fine, which scared him and f
  17. Guest

    Cash Genie CCJ

    Hello I am in a very similar situation as previously detailed by others. I have followed instructions to go online and defend the claim in full, which I have just done today. How ever I am just going through some literature that I received and a guy from Carter Forbes kindly highlighted in red some concerning particulars: OTHER FINANCIAL INFORMATION Total Charge of Credit: 30 pence for every 100 pence borrowed, per part or full month that a balance remains outstanding. Interest is charged at the rate of 30% per month or part thereof [fixed], and applied to the balance ou
  18. I wonder if anyone can give me some advice. I am defending a claim against a previous employer and the court date is scheduled for early September. They had until yesterday (24 August 2011) to submit / exchange their witness statements for which they have failed to do. What happens next......
  19. My mother died last November. In her will she appointed two Executors - my brother and a friend of her's who is a retired solicitor. The latter insisted we instructed solicitors, but the costs are spiralling out of control. The Executors are due to sign the oath of Probate next Monday 14th March. Can we (or technically my brother) dispense with the services of a solicitor? The other Executor (who is actually doing nothing) won't want him to but we're finding it too expensive and also we feel a bit out of control.
  20. 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
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