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  1. I rang Paratus AMC Limited to ask what my mortgage repayment would be after the Bank of England Rate raise, I was not surprised to be told it had increased but was shocked when I was told Paratus AMC Limited had added Buildings Insurance Premium of nearly £50 a month to my mortgage repayments!! - which means I would be paying over £500 a year just for insurance, when the fact is I have my own buildings insurance and much lower. I asked why they had added Buildings Insurance Premium, I was told it was a legal requirement, but I've had my own Buildings Insurance in the pa
  2. Hello all, in January I parked my car in the car park I usually park in which for many years has been 3 hours free parking, unbeknown to me (until I received the parking charge letter) in mid December the time was changed from 3 hours to 1 hour. Where I enter the car park from the road there is the sign stating the terms and conditions but no 1 hour sign, they are dotted around the car park but when I leave the car park I leave via the same entrance and therefore don't see that they have changed the hours. There was and still is no sign anywhere stating that the hours you ca
  3. Hi guys, My father has received a claim form Arrow Global Guernsey Limited - MBNA Credit Card debt on the 25th July 2016. See attachment. The debt is old from 2000, however he has offered £1 a month since last summer which he has been doing so. Prior to this he had a debt management company handling his debts. What steps should I take in order to defend him? Under the particulars of claim is states the contract is "dated on or about Feb 25 2000" Does this suggest they do not have the original contract and so there legal basis for the claim? I need to file the acknowled
  4. Your good advice please. I received a letter from a DCA titled a’ pre-legal assessment’ on an old credit card debt that the DCA have recently acquired. I suspected this could be nearing SB I checked my credit file and discovered that there is no information about this account on my file prior to May this year! As they are are using the usual vague language i,e, ‘may’, 'being considered’, should I bother to respond to this or should I CCA them or other? Who’s responsibility is it to insure the information on a credit file is accurate and up to date? Would the OC r
  5. Good morning. Unfortunately, on 03/10/2015 i was issued a Parking Charge Notice by Parking Control Management (UK) Limited for the sum of £60.00 whilst I was parked on a private car park. I had appealed on the grounds that the signs had been vandalised which of course was rejected by PCM and decided to follow it through with another appeal to The Independent Appeals Service and also this was dismissed. I have left it whilst seeking advice but PCM have now referred it over to Debt Recovery Plus Limited who are chasing me for the amount of £160.00 I'm not the best when it com
  6. Just received a NTK from these chancers for allegedly Stopping in a Zone where stopping is prohibited. It was near Scun thorpe Football Club. I certainly didnt see any signs highlighting this. I have read numerous posts on here about ignoring however, I dont want any negative marks on my credit file. Any guidance would be appreciated.
  7. This is a long story but I'll try and keep it brief and you can ask questions as needed. In November 2015 I purchased an ASUS gaming laptop from an Amazon Marketplace Seller. The product was brand new but was shipped to me from the US. The company however were slightly misleading by having UK in their name. The laptop developed faults within days of arrival and I asked to send it back for a replacement. The company were only interested in doing a repair on the machine and insisted on remote troubleshooting first. I worked in IT Management for 5 years and had serious problems try
  8. Commission applies to High Court to appoint an Official Receiver to charity -Thrift Urban Housing Limited READ MORE HERE: https://www.gov.uk/government/news/commission-applies-to-high-court-to-appoint-an-official-receiver-to-charity
  9. Hi I've just received a 'Letter Of Claim' from Howard Cohen & Co. Solicitors stating their client as "HPH2 LTD (Ex Tesco Personal Finance PLC)" also referenced in the letter as "Hoist Portfolio Holding 2 Ltd" regarding it's 'intention to issue proceedings in the County Court'. It also says "Despite our client or it's agents, Robinson Way Limited..." I believe my first course of action is to issue a CCA Request to the debt collector / client? The problem is that I cant find a UK address for Hoist Portfolio Holding 2 LTD but have found a Jersey address. The UK arm app
  10. Hi, Please avoid this so called respected company that has a royal warrant from Queen Elizabeth II !!!!!! Their main activities are:- trading in stamps and other philatelic items, coins, medals and banknotes; auctioneering, valuing (for sale, auction, purchase, insurance and/or probate) the above; development and operation of collectibles websites, online trading and auctioneering; philatelic and collectibles publishing including catalogues, albums and magazines in hard copy and electronic media; retail and mail order; manufacturing of albums and accessories.
  11. On 9.12.17 I parked on Lidl in Newcastle Under Lyme and left the car park for half an hour to find out what we needed for a community event and went back to do the shopping for it. Before I had opened the boot to get the shopping bags out the car park guy appeared, ended up getting really aggressive and slapped a ticket on my windscreen. I wrote to them on 13th December No reply but threatening letter in Feb which I responded to saying that I had written to them in December. The letter complained about the persons intimidating behaviour and offered to pay them £20, as that was all I
  12. Hello CAG, I have received Letter Before Claim. Briefly will explain how does it happen. In 2017 23rd December me and my friend decided to do surprise for our fried who lives faraway, more then 140 miles from us. In car park (car par is allocated to block flats where lives our friend) we arrived in late evening around 10pm and park on visitor parking space. Due to late evening and Christmas hustle I did not saw any of Private land parking sign. In a next day 24/12 Christmas day our friend ( flat owner ) released that we need parking permit to stay in visitor parking. She wa
  13. Really hope someone can give me some advice! Took car to garage explained front wipers only working on fast and had done some research online but not sure if problem was the wiper motor or switch? asked to diagnose problem for me. Garage called back next day to inform me they had checked the motor and switch and that the problem was actually the ecu. Advised it would need to be sent away to be fixed £175 and gave me an estimate of £300ish total including labour and car back within a week. Two weeks later after 3 phone calls for update but none given, they inform me that
  14. Hi all, I am new to this site so please forgive me if I have posted in the wrong place. I have been fined £1200 by a magistrates court around 2 months ago. At the time I was not able to pay and was instructed by my solicitor to state that I could pay in instalments once I had an income to avoid a harsher punishment by the judge who was not in the best of moods on the day. I was advised by my solicitor and court staff to contact the collections department for fines to offer an amount I could pay monthly, every offer I ever made was refused for a payment plan but they kept t
  15. Grading under review for Westmoreland Supported Housing Limited READ MORE HERE: https://www.gov.uk/government/news/grading-under-review-for-westmoreland-supported-housing-limited
  16. What is the difference between Hoist Finance UK Holdings 2 Limited and Hoist Finance UK? I have already a repayment plan set up via Robinson Way but got letter of it transferring from Hoist Finance UK to Hoist Finance UK Holdings 2 Limited (I dont know the difference???)
  17. Morning, Yesterday I received a letter from "Robinson Way Limited" the letter was for an address confirm. They must have sent some letter to my old address that was 5+ years ago, they could of easily checked the electoral role as I have been here for nearly 3. I am to get in touch with them and let them know if I do reside here. No details of what it is regarding is on the letter, however I think it relates to a Santender loan that I had with an ex a long time ago. My credit file states "Hoist Portfolio" it was recently held via someone else (can't remember who) Loan
  18. CAU Restaurants Limited: how to claim redundancy or register as a creditor READ MORE HERE: https://www.gov.uk/government/news/cau-restaurants-limited-how-to-claim-redundancy-or-register-as-a-creditor
  19. I currently have a CCJ against me that was entered into by default judgment in 2014. The initial court paperwork was sent to an old address but was passed onto me, I did submit a defense but it arrived a day late and was struck out and judgment was entered into by default. I was recovering from a serious illness that affected me both physically and mentally and didn't have the capacity to be able to deal with it at the time. The Timeline is as follows: 2010 Default on credit file 2014 CCJ Default Judgement 2016 Default was dropped from credit file but CCJ remains 2018 I
  20. Poundworld Retail Limited in administration: how to claim redundancy or register as a creditor READ MORE HERE: https://www.gov.uk/government/news/poundworld-retail-limited-in-administration-how-to-claim-redundancy-or-register-as-a-creditor
  21. Hi everyone, Please can anyone advise how I might make contact with this firm (which I think has been "taken over") and claim for mis-sold PPI, as I took out a £14,000 loan from them a good few years back and was told I had to pay for PPI or the loan would not be granted (they said they wanted to be sure they would be repaid, whatever happened to me and/or my circumstances). Also, I was self-employed so probably couldn't have claimed, anyway. But I have no paperwork, anymore. Thank you. Jib
  22. Hi all Back in 2011 when I was in my late teens, struggling for cash and stupid I got a quick payday loan from mini credit for £200. From what I can remember the repayment date was set up a couple of days early, it bounced and they then began adding charges daily and with every payment attempt... I contacted them to try and pay the original amount, I think they wanted nearly double at this point so I panicked as I couldn't afford it and buried it. Years later, it is showing on my clearscore (equifax account) under Kapama Limited for £1033, under closed accounts last updated in 20
  23. Hi i am a director of a company and we have issued proceedings against a supplier. I have done all the pre court hearing paperwork and we have a trial date. However, I am confused as to whether I, as a director or as an employee (I take a wage from the business), can represent the company in court. CPR 39.6 says A company or other corporation may be represented at trial by an employee if – (a) the employee has been authorised by the company or corporation to appear at trial on its behalf; and (b) the court gives permission. Yet when I have researched case law I ha
  24. Hi, I have joined here after reading an exceptional amount of valuable information regarding Blemain Finance (or Blemain Group) now operating as Together. About myself: I am a law graduate and helping a friend with his mortgage taken from Blemain. About the friend: From what I can see he has taken a total of 5 "charges" over his property from Blemain over the course of 2013 to the present. It started with £15,000 and now he owes 4 times this amount. That is not to say he did not exercise his own will, but so much about their operation is incredibly DODGY (for wa
  25. I am just asking for clarity. If i have a 0 hours contract . How long can i go without being offered any work ?
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