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  1. Hi. I've sold a car almost 2 years ago, it was my first one and didn't know to I should send log book so I gave it to new owner which said that is going to do this but didn't. Now I recived a letter from debt collector which says that I'm still the owner and have to pay £80. I already made it straight but my question is : - What's happening with a car now? - The car has new M.O.T so is still in use - Is there anything that is going to affect "new" owner that have been using car without being owner?
  2. Longer tenancy plans to give renters more security READ MORE HERE: https://www.gov.uk/government/news/longer-tenancy-plans-to-give-renters-more-security
  3. i received a letter this morning from a claims management company stating that i could claim back over £2000 + interest for a mis-sold PPI on a mortgage i took out some time ago. the mortgage was with crystal clear home loans, who, according to the letter ceased trading some time ago, making the claim more complicated than dealing with a high street bank as the broker is out of business. luckily they want to want to help take the stress (and a percentage no doubt) out of the claim for me. What do i need to do to start the ball rolling? i have no dates, it was around
  4. Last year I owned 3 vehicles and sold one last year and ownership papers passed on, I only had it one year, it was a sports car for the summer. A few weeks ago I got a letter through the post asking if I wanted to renew my insurance and if so it would cost £220, this was exactly what I paid for my camper van insurance last year and the quote came at the same time, I always insure it in April and tax it then. As it came at the usual time, I thought it was a decent price and put it in the drawer to sort out nearer the time. I then got a phone call asking if I want
  5. HI there, Due to ill health and before I got into financial trouble I went to CAB who suggested writing to all credit and banks to inform them of my illness. Most of them have been very helpful, apart from MBNA who then allegedly sold it on as soon as they could. So, I need some help with this court case (end Oct) I have been sending requests to MBNA to confirm that they sold the account to Link who sold it to IDR. MBNA have been ignoring my letters, I sent a SAR to all 3 which all of them ignored. Contacted the ICO and eventually got some response from Link and
  6. Hi All My partner no longer lives in the UK, but has received a few emails from an old (believe pdl) debt over the last few months relating to a CCJ which was granted after she left the country. The DCA are called TM LEGAL SERVICES They have now sent the following: Following our recent letter, you have failed to contact the office to set up a repayment on your County Court Judgment. We are now in the process of contacting your employer to verify your status of employment. Once we have confirmed the status of your employment, we will complete an N337 Form (Request fo
  7. Hi All, After many years of stressful negotiations, hard work and lots of help from people on here - I have had a clean Credit File for the past two years. All of my old Debts are off and I have been able to move on with my life credit wise(ly). There are a couple of accounts still active on which I am just paying a token amount of £1 on. I wont go into the details, but basically I'm going to stop paying the token amount - my total Debts add up to about £7k over 5 or six accounts and the amounts vary from £200 to £2k. Basically, I'm just going to stop paying them. They have bee
  8. As per this post on the Parking Pranksters blog. You really couldn't make it up! Unless you're the BPA of course, then you can make up anything you'd like
  9. Hi, My son had his work assessment earlier this year and he has just received his letter advising him that in the assessors opinion he is capable of work although the writer has recognised that he suffers from anxiety and depression this does not pose any risk to either himself or others in a work place. Where his 'illness' is more of the mind than the body he was able to demonstrate good mobility etc and therefore scored nothing. So the question is where does he go from here, and which is the department most likely to be of assistance to him. Will he be entitled to his housing ben
  10. Hello I sold a car and posted the logbook with the new owner’s details to the DVLA by first class post. (next time I will record delivery – lesson learnt). I received a failure to insure wrote back to them with the details of the new owner and explained that I had written to him to ask him to provide the details of his insurance . I had already informed DVLA that the insurance company he said he was insured with (but not the policy numberI have no proof other than his word that it was insured). The next thing I had through was a court judgement for failure to insure.
  11. The Ministry of Justice has announced today that it will be outsourcing the collection of Magistrate courts fines currently done by almost 150 civil servants to the private sector. I have written on this forum since 2013 of the proposed plans which were abandoned approx 2 years ago. The vast majority of Magistrate Court fines are already enforced by the private sector (by Marston Holdings, Collectica Ltd, Swift and Excel Enforcement Ltd). A small proportion are also enforced by HM Courts & Tribunal Service Civilian Enforcement Agents. CEA's have the authority to search premises
  12. It would seem to be official - if not properly announced Buy an item or win an auction on ebay and the seller (and apparently buyer) can just 'cancel the order' up to 30 days after the win, and even after a buyer pays... So you win an auction * Seller doesn't like the final bid * Seller just cancels the order with some half baked 'reason' like item is lost or damaged * EBAY automatically send you a seller has cancelled with the only responses being an automatic refund if paid through paypal, or say the payer has refunded. There is mention buried in the t&C's that a se
  13. Good Evening today I have been the recipient of a nice little piece of paper requiring me to pay £50 to the council for a parking infringement. The PCN states it was contravention 30, parked for longer than permitted. However I was not parked in a limited waiting area, i was actually parked on DYL which should be an 01 offence however i also had my blue badge on display.... so the question is can i appeal this pcn on the basis that the ticket was incorrectly issued on the basis of the wrong contravention code. cheers lets ps was parked for longer than the 3 hours on the
  14. Today 07/01/2017 my partner and i had a visit from a marston holdings bailiff demanding payment from my partners daughter who no longer lives with us and is not on electoral register and proceeded to show him our tenancy agreement and that she has not lived here for over four years since going to university. None of us at the address is named on the so called court order which he would not confirm also we have not had any notice that any enforcement agent would be visiting. As the person on the enforcement notice was not in residence we informed him that he was allowed to demand
  15. I have just found out my debt management firm is no longer trading saw this: RMR Financial Services Ltd, formerly trading as Compass Debt Counsellors, has stopped trading and no longer offers debt management services. The firm’s interim permission from the FCA, which firms must have if they wish to offer debt management services, lapsed on 8 March 2016. AARBS Ltd (insolvency practitioners) is holding a meeting of the firm’s creditors on 30 March 2016. RMR’s bank accounts have been frozen. This means that the firm will not be requesting direct debits from clients’ accounts and standin
  16. I bought a new car from a dealer at the end of November 2014 and part exchanged my old car. The dealer got me to sign the V5 and advised that they would register that they were the new owner. I also posted my section with a request for refund of road tax to end of March 2015. I didn't receive any notification from the DVLA but to be honest I didn't realise I was supposed to. I work away a lot and it slipped my mind that I hadn't received a refund either. I didn't get a tax reminder in March, which would have made me query the situation. The first I've known about it was a letter
  17. have one loan (1998) that was flogged off last year, the others having been flogged off to Thesis long ago. Didn't have to go through the horror of getting it deferred by Rodeo last year as it had already been deferred by SLC (lucky me from my reading here). Had ths usual barrage of phone calls from them throughout last summer which after answering one (at work, told them to bugger off) I ignored the rest and did some searching which brought me here. As you can imagine I wasn't looking forward to going through the deferrment battle with them this year. I was also st
  18. I signed on at the job centre on Wednesday.When i was there my advisor gave me 3 jobs to apply for and said i had to apply for them before i sign on again in 2 weeks on the 5/11/14. She told me to make sure i apply for them along with proof i have as i could be sanctioned for not applying for them. Today iv gone in to Universal job match to find them and apply for them.Iv found and applied for 2 of them but i cant find the third even with the universal match job ID.It was definitely on there at some point because the advisor had printed it out to give to me. My question is surel
  19. Have you ever made a copy of a CD as a backup or to play the music on an MP3 player or smartphone? Then you would have been committing a crime until this month. An update to British copyright law, first announced back in March but only coming into effect this month, means that it's now legal to make copies of CDs, DVDs, e-books, MP3s and Blu-rays - provided they are for personal use. It is still illegal to make copies of movies or music to give to friends and family. If you do want to give an album to a loved one, you’ll need to delete any personal copies you have to stay within
  20. Im due to see a concert next week tickets were purchased a year ago, on an old bank card for an account i no longer have. I contacted the arena today and was told they had not sent them yet and would do so this weekend. I told them this was not good enough as i go away next week and will not be back toll the night of the concert, They told me i can collect them with the bank card i used to pay, i made clear i did not have that anymore as the account was closed down and the card was cut up, they told me there is nothing they can do, I explained that i was told i would get the tickets t
  21. I appealed to Ilford council I was parking in a loading bay on Aug bank holiday Mon , I have just got a knock back about the appeal they said they are sending a notice to owner but I am no longer the owner , they took 50 plus days to get back in touch to say I have to pay is this reasonable ? I thought they had only so long to get back in touch? can anyone help
  22. Hi . I have an old debt managed by Apex Credit Management which I am looking to settle with a full and final payment offer. Having just checked my credit report with 2 companies - I can find no record of this debt. I presume its over 6 years old. Any suggestions please? Thanks x
  23. Hi Basically my car has been sitting in my parents driveway for months. I received a letter with a fine due to it being uninsured, I wasn't aware that it had to be insured if its parked and not in use. Anyway I paid the fine and sent off paperwork to SORN the vehicle. The fine was taken out of my account in early August and I assumed that was the end of the matter. In September I moved abroad and I am not due to go back home until 2015. My mother called me yesterday to say that there's a letter regarding a court requisition for 15/01/14. I am unsure about what do to as I'm not livi
  24. At least that's what JCP told me today when I asked for one, but they are still available to download. Does anyone know score on this?
  25. I have an outstanding debt that is no longer on my credit reports. It is a MBNA loan being chased by 1st Credit. Last payment approx 4 years ago. Loan taken out 13 years ago. Why would it disappear from my reports?
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