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Found 17 results

  1. Got stopped by 4 traffic police cars (that were on a roundabout) they checked insurance and driving license which was all good ! Then started looking around the car and said 3 tyres were rubbing as the car is lowered but not excessive (can send pictures on request) They told me they didn't know if it was legal or not so they took pictures to send away to be examined. they also threatened to take my car away from me but in the end they let me drive away. also the accident happened on 27th of june and I received the letter on 12 of july. does it matter that they sent the let
  2. Hi there I have today received court papers for possession of our home and really need some help. A brief outline of the story so far : In 2011 took out a business loan for £143K (£12K of which was an EFG loan) secured on residential property. Business closed in 2012. Lots of issues with Lloyds including the fact they claimed back the EFG and also have tried to claim it back from me. Repossessed the commercial property which was the 1st charge and as a result of 'fire sale' was left with a short fall of £100K which they are now claiming against the house.
  3. Hi all, Will be claiming HB with a tenancy agreement dating back to 2011, it's a full 8 page Assured Shorthold Tenancy document, signed by myself, the landlord and witness. All above board and legit. A few questions though; 1) Would the JC likely question this, given how old the document is? I have claimed JSA before during my tenancy but didn't realise I was entitled to HB until now. 2) I would prefer they do not contact my Landlord (unless for a special investigation or some such) as he has previously expressed unwillingness to co-operate (that said he owns a flat
  4. Hi Folks, Looking for some advice. I've been unemployed for 15 months. I have had an arrangement in place with Nationwide to just pay the interest on my mortgage, for about 8 months or so. Normally every 3 months they extend the arrangement for another 3 months after getting me to go through my income/expenditure. Last time they only extended it for 2 months as I was unfortunate to speak to a stroppy adviser on the mortgage team. She said it can't be extended indefinitely and I would need to call again in August. I've a couple of weeks temp work coming up and the tw
  5. fletch70

    Likely Loans

    Thought I would share this Interesting but potentially scary situation Each month I get my clearscore and noddle credit reports and they often have 'offers' of available credit. This month Likely loans came up so i thought hell why not have a laugh and see if they would lend me any money I completed a few very basic details, name address phone number I then got an email saying you are approved we will do some more checks - had that type of thing before and they come back and say no thanks I did not provide my bank details nor did i sign anything Anyway tod
  6. Hi Advice please. I'm likely to be unable to pay off the capital amount owing on a mortgage with Woolwich in 3 years time. I've informed Woolwich of this and all they say is try and pay off as much as you can and then you'll be able to extend the mortgage with them when the term ends. I've got a great tracker deal at the moment which is interest only. Woolwich have calculated that any new repayment mortgage with them will be approximately £500 to £600 per month which I won't be able to afford. I got made redundant 5 years ago and have struggled to find full time well paid wor
  7. The Financial Conduct Authority has published its consultation paper on plans to bring in a 2018 deadline for PPI claims FCA research shows 74 per cent of people know what PPI is, but some have not got around to claiming yet because of the 'open-ended nature', which the watchdog says has created inertia. The FCA believes that introducing a deadline – alongside a high profile campaign to highlight it – will prompt many into action. Read more: http://www.thisismoney.co.uk/money/saving/article-3334759/PPI-claims-deadline-likely-2018.html#ixzz3uJ3GJTaG
  8. Hi, I would greatly appreciate help with a defence. Below is a summary of what has transpired: Contacted by solicitor about an old, pre 2007 debt with Ambrose Wilson. This debt is believed to be possibly not legitimate or alternatively possibly Statue Barred. However, to be 100% sure, CCA request sent and proof of delivery of letter obtained. No response to CCA request at all, not even an acknowledgement. Further request for payment / threats of court received whilst I was out of the country. Received court papers from court, again, whilst I was out of the country. Ac
  9. The 5p charge on plastic bags to be introduced in October faces accusations that it will confuse customers - and doubtless lead to arguments at the checkout. The charge is being introduced as part of a government policy to reduce waste by cutting bag use by up to 80 per cent in supermarkets and by half on the high street, with the aim of reducing litter and protecting wildlife. The new rules are likely to baffle shoppers and cashiers alike, as till operators will be the ones to decide whether the charge must be paid. But before they charge you, they have to ensure the b
  10. Good Evening, I have received some great advice here that has led to me successfully suspending a repossession hearing nearly being out of arrears (3 months to go) with my mortgage, council tax arrears and other debts which I am very proud of, however, I need some further help. I had a charging order placed on my property back in 2012 from Anglian water, the original debt was £2095 but has since risen to approx. £5000 I am told. I was contacted in April 2015 by Solicitors acting on behalf of Anglian Water stating that they are going to apply for a order of sale hearing as I was una
  11. Hi, I'll be brief with my explanation but here goes.. purchased samsung gs3 phone from a tesco phone shop on t-mobile contract 17/08/2012 2 year warranty faulty about 9 weeks ago, sent direct to samsung, returned with same fault sent back to samsung, returned faulty contacted consumer direct, they advised me to ask tesco to repair the phone. came back today, still faulty. rang consumer direct back and they forwarded the issue to trading standards. what is the likely outcome of this situ? I just want a working phone...
  12. hello eveyone Can you help?? I have received a NIP as I am registered keeper. My 22 year old son was driving which I have declared and sent the form back within two days of receiving it. My son is a named driver on the car and the car is fully legal. My worry is that in July 2010 my son had an 18 month ban and fine for drink driving. this has now all passed and he has been a responsible driver since getting his licence back in 2012. He attended the drink driving course and learnt from his immature mistakes. . When they issue the punishment for this speeding offence wi
  13. Hi, I have 4 oldish debts - one credit with barclaycard for £4k, one overdraft of 2k from santander, and 2 MBNA credit cards, of £3800 which I think was Virgin and I think 3k is from Alliance and Leicester. I did have a 2.5k one from santander credit card but rang the debt collectors today to try and sort it out and was told it had been given back to Santander, who said the debt had been written off (result!) The debt collection company last phoned me on 3rd Oct and my messages have been full since so must have been a recent write off. I am in the middle of buying
  14. I've recently not been able to make the interest payments on my cc - due to personal circumstances (unforseen and largely unavoidable). I'd like to see if MBNA have a copy of the orignal loan agreement (it will be pre-2004). At the moment all I've had (for missing one payment) is a formal letter stating that if I default they will take action. Should I ask for a *copy* of the original loan agreement, or ask for the original? Or should I phrase this some other *legal* way? Hut123
  15. More than 25 million people run the risk of being declined credit cards, loans or overdrafts by mainstream UK lenders because of their poor credit score, new research has claimed. Over half of adults who answered a typical credit check questionnaire commissioned by credit card provider Aqua fell into the 'at risk' category that could see them turned away when they apply for credit. The UK-wide survey - called 'Mind the Credit Gap' broke down the results to show that people living in the East Midlands (65 per cent) were most likely to fail to meet criteria lenders look for before approving cred
  16. Analysts say that the total compensation bill for customers allegedly mis-sold payment protection insurance is likely to be the largest in modern history - bigger than the pension mis-selling scandal. We take a look at how the bill has climbed in recent years. British banks have so far set aside £11.5bn to compensate customers allegedly mis-sold PPI. At £5.3bn, Lloyds Banking Group, Britain's biggest current account provider, has the biggest bill. Barclays, which announced this month that it had set aside an extra £700m to compensate customers, has the second largest bill, at £2bn.
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