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About Me


  1. I have just received a county court summons for an old capital one credit card. I'm pretty sure no CCA exists for this debt - certainly all I ever remember signing was one of the postcard style application forms Cap1 were using at the time. So I intend to defend on that basis. Who do I send the demand for a CCA copy to? Cap1, the debt collectors named as the claimant on the claim form, or the solicitor named on the claim form. Also, it's possible that this debt is statute barred, the default on my credit file is 5 years and 5 months old, is there any
  2. Hello guys, So this morning I had a letter through the post stating the following: PARKING CHARGE - NOTICE TO KEEPER Vehicle Registration: redacted Vehicle Make / Model: redacted Site Name: Ferry Meadows Period of Parking: Sunday 11 Jun 2017 18:06:52 to Sunday 11 Jun 2017 19:16:24 Reason for Issue: None Payment of Parking Amount of Charge: £50.00 reduced to £25.00 if paid within 14 days Driver Liability The driver of the above vehicle is liable for a Parking Charge in the above amount which, at the date of this notice, remains unpaid in full. The charge ha
  3. Hi Everyone, First post so please be gentle.... .... just wanted to see what others thought - I have been trying to rebuild my credit following some debt issues 20 years ago. I saw the website advertised on the TV and thought I would take a look. The site is great , advising me on credit cards that could help me with rebuilding my credit. I am currently in a great job with regular income so this seemed ideal. I applied for 2 credit cards as suggested and was accepted with fairly low credit limit. I have been using these cards and paying them (not just the minimum payment) and all going w
  4. Hi, a couple of years ago i took out a loan with Sainsburys bank for 13k the arrangement was to pay 111 pounds per month off, which at the time i had no problems with as i was earning 3500pm ( sorry cant seem to find pound sign on keyboard set to American for some unknown reason cant get it off lol) as i was working offshore. Unfortunately i was one of the many who got laid off, i informed them straight away what had happened and i said i would pay a small amount off when i can as i started with an agency which only paid bare minimum, to cut an extremely long
  5. Hi everyone! I fell into arrears with my Very account simply because those BNPL charges hit rather costly, which in turn made my monthly installments reach a whopping 200+ per month. I politely contacted them around a year ago and after many back and forth telephone calls and emails managed to agree a year payment plan of £70. I haven't missed a payment since setting this up, this morning I received two letters on through my door. The first being one demanding a payment in full of a staggering £489 arrears payment followed by the same for the foreseeable future.
  6. The December solstice happens at the same instant for all of us, everywhere on Earth. This year the solstice occurs on Wednesday December 21st at 10:44 GMT (Universal time). The winter solstice happens every year when the Sun reaches its most southerly declination of -23.5 degrees. In other words, when the North Pole is tilted furthest – 23.5 degrees – away from the Sun, delivering the fewest hours of sunlight of the year. The Winter Solstice is the most important day of the year at Stonehenge and a truly magical time to be there. It's an ad hoc celebration that brings together Engla
  7. Hi - i'd be very interested in hearing the views of some of the forum regarding an issue i've been looking into for around 2 years. It involves a piece of land that used to be free to park in, but a few years ago was changed to a Met Parking enforced zone, free, but for 2 hours. The legality of how it was originally voted for is sketchy, but a supposed consultation with 5 local shops suggested it was a good idea - no residents were consulted, and with parking terrible on the main roads, this has meant sometimes there is no option but to park and leave the car there, resulting in tickets.
  8. Hi All, I'd really appreciate some advise please, I'm in court next week for a set aside hearing. It's in relation to a Cap 1 cc claim for just over 1k, the court papers were sent to my old address so I never received them, I'm certain I gave my new address to all concerned back in 2007/8 but cannot prove it. I don't think it's statute barred but I can't find when I last made a payment. I sent a SAR to Cabot and have received it back on a CD, there is no default notice or credit agreement on the CD, I've read that they are not obliged to send these with a
  9. Hi guys, hope everyone is well. Been on this site a few times and think it is a superb tool and helps us against the bully boy company's out there who try and feed on hardship and vulnerability. Hopefully I can add some advice or help in the future. I have a question of my own if anyone can help. Today I had a doorstep visit from a company called Fidelite. They asked who I was so I asked who he was and his face was a picture. I never gave him my name and told him politely to jog on. He is chasing a loan debt that I took out in 2004 and haven't pa
  10. Hello 1st post and I hope I'm posting in correct forum. if not could Mods please move post. The wife of a friend of mine has walked out a couple of weeks ago. Shes has walked away and left everything in limbo. Friend phoned the bank and arranged an appointment where they froze the joint account , opened a new account in his name only so he can have his wages paid in, pay bills / dd/so and mortgage etc Wife had a gym membership, He phoned the gym to tell them she had left, bank acc closed and they told him he was liable , so he set up new direct debit from new account and was
  11. Mirror Online wants to publish the electoral spending returns of every one of this Government's 330 MPs - so you can hold them to account on their spending We aim to publish online the electoral spending returns of every one of this Government's 330 MPs for the country to judge whether they were entirely truthful about their spending. The Mirror was the first to break the story in March that more than two dozen Tory MPs benefited from battlebuses packed with Tory activists but failed to declare any of the costs. Much more on the link. http://www.mirror.co.uk/news/uk-news/part-daily-
  12. hello all looking for some help regarding a letter my wife received at our previous address which has been passed to us. its a notice of application for attachment of earnings order with a case number the judgement is Hoist portfolio holding 2 ltd the letter/form says that a judgement has been made against the wife for £1800. shes not even sure what its for as we have received no correspondance regarding this. can anyone help direct me as to what we need to do next i have a feeling that whatever it relates tro is at least 6 years old and as such statute barred but what i
  13. Gick

    Dirty little secret

    You might like to watch this video. https://casehub.com/cases/dvlas-dirty-little-secret
  14. Hi, I'll just explain the situation. Mother in law used to live with us. Mother in law had a catalogue debt at our address. She moved and Cabot have sent collection letters to her new adddress. Debt seems excessively high. Mother in law is a typical doddering old lady and doesnt understand what is going on. Debt was with cabot and she was paying it, they sent it to fredricksons at which point we found out about it and realise the amount is almost double what she owed. We send Freds a request for credit agreement and statement of account. Freds send
  15. Hello, I'm not sure if this is the right place to post this but I wanted a little help about this apparent debt I have from a company called JUICE PLUS who have passed on the debt to OCC(Options Credit Consultants). The back story: A friend was selling JUICE PLUS weight loss packs and I thought I'd try one out, the deal was £20 for a month of supplies which are given all in one go. And it was a locked in 3 month contract. However I never used the stuff, my friend had been fired for a ridiculous reason, I pursued Juice Plus asking them to cancel the contract and
  16. Hi all, i have been getting letter from cabots for the last 12 weeks (oct/nov 2015) now i have one from restons solicitors seeking immediate payment because cabot have now acquired the rights to the account on the 28th sep 15 (£900 cc) etc, this has to be paid by the 1st feb 16 or they have instruction from cabots to issue a county court claim. So the next thing i check is my credit record with noddle this is what i found: Name Mr bla bla Address bla Date of birth bla Account type Credit Card Account number ****10500000000000 Account start date 20/08/2004 Opening balance £ 1,105
  17. Hi, I've got an odd problem here, hope I can get some advice. 3 years ago the crown court ordered me to pay £500 towards court fees, I agreed to pay and they gave me a telephone number to phone to make payment. At the time I was receiving J.S.A whilst looking for work (benefit payments while unemployed.) When I phoned the number they told me that seen as I was on J.S.A they will only deduct £100 a month from my J.S.A every month effective from my next payment. I agreed and that was the end of that, or so I thought. 6 months went by and I was offered a job abroad teaching English
  18. Hello Firstly, what a great site this is. You significantly helped a friend of mine, who was in a mass amount of debt due to a failed marriage and a life-changing illness. I truly believe you saved her life! My complaint is in relation to Xercise4Less. My husband and I cancelled our gym membership by written notice (within their stipulated 30 day time frame I may add) as we have hit some financial difficulties and also we are not using the gym as much as we should as we are utilising our local park in the summer months. This was on the 27th May (direct debit payments come out o
  19. Hi All, We had booked with my wife on Wednesday night a taxi to drive us from Putney to Southend airport on Thursday morning. My wife said on the phone that we had a plane to catch at 11:15 and that we wanted to have plenty of time (because we are travelling with a little 8 months old baby) so we asked to be there at 10am for safety. The taxi company told us to be ready at 8am, the fare would be 75£ The driver picked us on time and got stuck in a lot of traffic in london area At some point we asked him if his GPS was right, stating that we would approximatively be at the airport ar
  20. A meeting was called by the management last Monday. Some of the staff were told their hours were being changed. This is a council workplace and nobody is losing any hours BUT some of us are being asked to start later / finish later. We have been given 10 days notice of a change of hours. I raised the question about the short notice and i was referred to a meeting that was held 2 months ago. When this was raised previously we were given the impression by the outgoing manager that these plans had been dropped. We have now been told we have to be flexible and there is no more co
  21. been on a dmp for 8 years now, biggest debt is a 20k loan with natwest which got passed to eversheds everything been fine (as far as fine can been with debt!) until the dmp company got in touch to say that from january, eversheds were no longer accepting monthly payments as they don't have a record of the debt anymore?! had no letters off them so dmp are wanting to find out whats happened to it did manage to reclaim ppi from them about 3 years ago for 3k which came from rbs, but atm don't know if this is good or bad news?!
  22. Hello all. Have now been self employed since May of 2014 and am coming up to the end of the tax year (April). I have been using the gov.uk site and HMRC to try and get some answers as trying to get through to the tax offices for advice takes forever. As a SE person with a home business I use 1 room of my property exclusively for the business. There are tax allowances for doing this and what you can claim (rent) appears to be associated with the floor area of the property or the number of rooms in the property. My problem is that there appears to be no guidelines as to what is
  23. hi, am new to this site and would like some advice about how much i should be offering to littlewoods & very which i owe around £8000 once bnpl & charges are added, i am on benefits with 3 children & struggling to make ends meet at the mo ....& just dont no which way to turn, i have been struggling every month to pay them £204 which is taking me more & more overdrawn with my bank... ..thankyou in advance!!!!! hi, thankyou very much for the speedy replie, how do i go about offering them £1pcm do i need to put this in writing
  24. I have 4 defaults that are sitting on my credit file with lowell. 2 are very old, one is due to come off in jan, another march or april. the 2 that are remaining are a bit newer, if i pay these off will it make my credit file better. Am i able to pay off 2 Defaults and leave the other 2 to rot off the file?
  25. Just a little bit of advice needed if possible please. The short version is: We were overpaid tax credits. We were advised in October, the chaser came maybe mid November, and after trying to call through to sort out a repayment plan numerous times and being unable to ever connect during my lunch time(s), I wrote directly offering to repay back at a rate I was originally overpaid. Having only been a couple of weeks ago, I wasn't unduly worried about not receiving a reply, but instead have now received (hopefully attached) a letter from Rossendales instead. This came yesterday (4 Dec
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