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  1. CCA Enforceability Thread I'm sure I've seen it stickied somewhere and cant find it for the life of me.
  2. Thank you for your time and advice. We're looking for some general advice on this issue regarding my partner who is off work with depression caused by her workplace. The employer has told us they will visit this Thursday to "discuss her absence". Here's a bit of the back story: Mt partner is a Cleaner. She is off work due to depression, this was caused by her undergoing treatment for recurring miscarriages and her Manager moving her from a job she was happy in to another part of the company where it is very quiet, no interaction and a totally different world than where she had bee
  3. Good afternoon, I was hoping someone would be able to help me with regards to a possible irresponsible lending claim? So I got in a bit of a pickle around November 2013, and started getting PDL's with wonga; fell into the "payday loan trap", and finally managed to get out of it about a year ago- I have not had a payday loan since Apr/May 2017 I do believe. My credit file is shot though. I was just wondering the best way to go about this? Am I ok to email the companies asking for details of all the loans i have had with them? As between November 13- February 14 it looks like I ha
  4. Hi all, I came across this site googling a company called asset link capital 5, they have taken over my Barclay cc debt and I wasn't sure if it was a [problem] or not. I've read through a lot of posts and I'm intrigued and excited about the potential. Currently I am paying Gregory Pennington £183 per month(£38.50 in fees) £144.50 split between 3 creditors for the following amounts. The Dmp started mid 2014 Barclaycard Services £6,744.23 PRA Group (UK) Limited - Bromley £7,174.96 SCL Collections £4,413.73 I've just had a letter from ALC5 saying they have
  5. Hello, I'm new here so not sure if I'm doing this right! We recently took our 7 year old house Rabbit to the vets as we thought she had gone blind in one eye. They did a quick eye test, confirmed that she had in her right eye, and prescribed antibiotics for an ulcer in the same eye. I went home that night (Friday), went to put the drops in and realised they said ear drops. They were already closed, I called in the morning and the Receptionist said they are ear drops for humans but eye drops for animals so they are fine. I went to put them in straight away, 5
  6. looking forward to sunday On sunday it becomes illegal for companies to chage a fee for processing credit and debit cards. Now this is no interest to the private parking forum becasue quite a few companies such as Euro Parking like to add an imaginary £1.50-2.00 unicorn food fee to their bills. The dodgy DCA's do the same. Now, if they are claiming that you knew about these add ons because they were in the contract that will void the entire contract If you are wanting to pay them bec
  7. Hi, hopefully im in the right place im after a little advice without anybody judging me as finding it hard enough already Age -22 (now) Ive had a problem gambling addiction and have manged to cause myself around 10k+ of debt Without the Loans and the credit cards ive been in a vicious circe with payday loans Such as MyJar-2 Loans wonga-11 Loans Piggybank-8 Loans Sunny- 9 Loans Basicly taking one loan out to pay the other ect been going on for around 2 years now and wouldnt like to know how many loans ive received off the above 3. now ive heard stories unsure i
  8. Hi again guys, been having great success so far with these debts (will try to find a link my other post which is about over a year old to give you some context) So the quick back story Lowell owned the debt, bpo was acting on their behalf sent a CCA request bpo passed it back to lowell after not responding, lowell have then ask their legal team (phahaha) lowell solicitors to start court proceeding, rang them for abit of fun informed them that no cca has been sent, they have now supplied me with the request but it is unreadable (will update this post with
  9. Hello anyone out there who knows what's what re CCAs and DCAs etc - will cut short a long story, an original creditor defaulted me 2/3 years ago on a credit card debt, on assigning the account to a DCA, registered amount owing at £0. DCA wrote demanding payment of original debt and I replied giving reason I believed debt to be unenforceable - DCA replied saying would look into this and usually required 4 months to do so. At end of 4 months, I noticed DCA had 'updated' the default, with original amount said to be due, without notifying me, this being some 5/6 weeks ago -
  10. Hello I received a citation for an old credit card debt and was wondering if any one knew how to get the date extended so I have time to make up a defence if this is possible? I'm in Scotland Many thanks Tom
  11. In the last few years I have been a huge idiot and coupled with my mental health deteriorating I have had fallen into some issues with my debts. I am trying to be more positive and to get myself out of this hole and others so I want to start tackling this head on. Very £1000 Lending Stream £450 (Received start of CCJ proceedings this morning) Wonga £600 Quickquid £400 Capital One £1000 Aqua £2000 Vanquis £1000 Credit Union £1000 I had gotten to the point where I had to take out payday loans to pay the payday loans I had just paid and it just all came crumbling down.
  12. Hi Caggers I have spent a long time reading through old posts and have a headache! My situation is thus. I have approximately 80k of old CC and OD debt mainly on accounts started 2000 to 2006. some possibly a bit later. I fell into arrears etc in 2010 as a victim of the 2008 crash! ( I held on as long as I could) all of these debts are now off my credit rating file except for one which is with cabot from a Barclaycard that was taken out in 2000 and should have defaulted in 2010 along with the others which barclaycard have sold and closed and cabot is still marking my f
  13. Can you believe this? https://www.theguardian.com/business/2017/mar/25/pret-a-manger-looks-to-uks-teenagers-to-tackle-looming-staff-crisis Apparently not too many people impressed so now they are agreeing to pay them. http://www.telegraph.co.uk/news/2017/03/25/pret-criticised-offering-teenagers-sandwiches-exchange-work/
  14. I have a bit of debt. It's not massive but it's at a level where it stops me from enjoying life. I had a few problems changing jobs last year where I didn't get paid for three months and wasn't entitled to benefits. So I had to either borrow or not pay bills, eat etc... I've worked out I can pay and extra £50 or so a month to clear it a bit quicker but I'm not sure in what order to pay it off. They highest interest debts are my smallest and don't really cause a problem. It's the following. Loan around about £5500 still owing. I pay about £240 a month. Low ra
  15. If so, you could be missing out on valuable credits that would help build up your pension. http://www.bbc.co.uk/news/business-38654321
  16. Hi all! A long story short ( i have touched on it previously some time ago) im happy to expand on the details if you want. I have a charging order on my property, there is no CCJ and its not from a financial institution. Ex landlord who i rented a shop from and business collapsed. He wanted £15K from me i said no way so he got a charging order attahced in 2008. i paid a small amout of money each month but then stopped in 2009 and had last contact with him in 2010. Now he has suddenly had his solicitor write to me stating if i dont pay they will push f
  17. hi, im 60 years old and i am on jsa, and have health issues, (can not stand for long periods) my adviser knows this ,but now she says its time for me to move forwards, and she will find me a work placement ,when asked how many hours, she said ,most likely 30 hours a week. my work sheet states looking for work 16 hours a week max.but shes going to find me a placement for 30 hours ? if i walk out of the placement will i be sanctioned.
  18. Hi there I wonder if I could receive some advice about the claims guys ? I have received 8 letters from rbs offering me around £5500 for mis sold ppi . I used the claims guys to act on my behalf . I called them after receiving so many letters asking me to fill them out and return them . I was asked to answer each question to support my claims after answering the same questions on four of the claims I got bored and said I do not have the time to continue and left it there, the person said to me that I would need to answer all of the questions for each claim befor
  19. 1) My 'Actions for getting employment" doesn't stipulate a number of jobs to apply for per week (which is odd, when I claimed before I had to apply for 2). Obviously I don't want to display every single job I apply for (which would risk creating a baseline figure), but what is the minimum number that an Advisor needs to see in order to sanction me (for insufficient applications)? 2) They also included 'log into my UJM account daily' - I have NOT ticked the box that allows the DWP to view the jobs I've applied for, BUT can they still see how often I've logged in? Ta
  20. Hi all This used to be the norm for me, checking the forum and working out how to deal with debt problems. I eventually managed to get my credit score back up to a point where I could get a credit card, albeit, a high apr Vanquis card. I was in a stable job earning relatively good money and have managed to make the monthly payments for the last 3 years. However, a few months ago, I lost my job and I had started to study for a career change. I have since qualified and even though I still have the experience of my previous job, it is becoming increasingly difficu
  21. Hi everyone, I'm just new to this and have never been able to talk about what I've been struggling with so want to start by writing it all down and getting it out of my system. I know it's a long story but support is really all I'm after right now (and any experienced advice!) . I'm 19 years old, Male, A student and I work part time. I've previously worked full time and had good paying jobs and didn't have a worry in the world until I turned 18 and had my first "offer" letter from a credit card company. I applied, and was rejected. Then I got deep into the inte
  22. Hi, My business partner and I are going to be registering our company very soon. I know that somewhere into the process, we're going to need to open a business bank account and designate that as our main account for the business. About 3 years ago, I opened a business account and had a business loan that was connected with that account when I opened it (by Lloyds TSB). This company was as a sole trader and wasn't a registered company. I had some payment issues and the business account was eventually closed, as I'd missed some loan repayments/late payments, etc. Ultimately, the
  23. I'm having a really frustrating time with my direct line at the moment regarding an accident I was involved in on a duel carriage way roundabout. I was in the inside lane going forward onto the 2nd exit. He was in the outside lane and needed to take the next exit. As the roundabout was full of traffic it seemed like he was running out of time to get into the correct lane to take his exit. there were cars bumper to bumper behind me but a gap appeared between myself and the car infront. I was going around 25mph at the time following the flow of traffic. Next thing I knew I heard him
  24. Hi everyone, I'm new here and after some advice. I was made redundant from my job last September through no fault of my own and been signing on ever since. However, before Christmas I had an appointment with my advisor at my local job centre and gave me details of a job to apply for but 2 weeks ago I received a letter saying that they are going to stop my job seekers allowance from the end of January to the middle of march. I have since appealed the decision in writing but when i went to the job centre today I had to fill in another form and explain again. I know it was my fault for
  25. Hi Thanks for letting me join this forum. I have a wee ongoing issue with a company called Debit Finance Collections. My husband joined a gym just over 12 months ago and signed a contract and DD agreement with DFC. Due to work commitments he is no longer able to use the gym. I e-mailed them at the beginning of the year to give them a months notice for cancellation as stated in the contract. The terms of the contract are worded - [*]I have received details of the subscription packages on offer I am committing to a minimum period of 12 months This sugges
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