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  1. Hello all. I am hoping for a bit of advice please. I received a very worrying letter from Walker Love today advising that I owe their client £396 (the original creditor was Next Directory...but I believe this is now owned by Lowell). The default took place in 2014 and at the time I was suffering from chronic illness that meant I fell behind with payments. You know the story...it ended in the default. I never denied my debt.. .I emailed and called offering payment several times and was dismissed. ..I was told that their agents would be in touch. Several months lat
  2. Booked hotel only with Love Holidays and am paying in instalments £60 deposit and one payment of £280 so far with the balance due July. Since booking our chosen hotel has had some really dire reviews and any that are positive seem to be fake ! I'm petrified of staying there now especially as hubby will not be with me and I will be on my own with two young kids. I'd rather cancel and stay somewhere else. Am also fearful that the third party company will have overbooked or not have my booking at all something I have now read is quite common. I know its common practice for bookings to
  3. I received a simple procedure notice of claim recently and I'm unsure of what to do. This was from a few addresses ago. I'm unemployed, recently had a baby and suffering from postnatal depression. My brain is a bit 'fuzzy' at the moment and I find it hard to take things in and concentrate. What do I Do?
  4. Hi there, had a terrifying experience this morning. My mum has received an official letter from Walker Love, hand posted through her door, saying she has 14 days to pay roughly 15 thousand pounds in council tax arrears or she will be subject to the usual procedures, bank account arrested, made bankrupt etc etc. This is terrifying, but also confusing. 1) this is supposedly unpaid council tax for a property dating back to 2001 2) the property was vacated in 2005 3) my dad died in 2005 and his considerable debts were handled by a lawyer at the time. There has be
  5. Please can anyone help. My daughter has bi-polar and will often spend money on things she cannot afford. She booked a holiday to Las Vegas in December and all the money has come out of her account but she doesn't have enough money to actually go. Love Holidays say the contract is with 'their suppliers' and she can't get her money back (we didn't expect it all). Anyone had experience of this issue please.
  6. Last year I entered into one of N'power's 'deals' to save me money. It was actually the best deal around at the time - monthly direct Debit £46.00. This was around June time - a couple of months later, they 'suggested' that I would need to increase my DD because they estimated from my usage that it would cost a lot more over the winter period. They wanted about £65 + - I said no, bearing in mind that the previous review had netted me a refund of over £100.00, I couldn't see that I would be that much behind and I would be happy to just pay any underpayment. Not happy with
  7. Good morning all, Been a member some time - not usually one to post for the hell of it but I have been really racking my brains over this one and hitting brick walls wherever I go... Long story short - had booked a holiday for myself over Xmas and when I arrived they told me the hotel was overbooked. They then put me in a cab and sent me from my nice *chosen* serene resort, and dumped me in a completely different resort, right in the heart of the shops / nightclubs etc The accommodation was a lower grade, fewer facilities and I wouldn't have chosen it in a million year
  8. Received this letter in the post today, I've never had any contact with them before. There was no other information included so I dont even know which years this is apparently for! What would be my proper course of action? And how do I find out more about this 'summary warrant'. Regards
  9. I booked a holiday a few weeks back using Love Holidays. The total cost of the holiday was £680, all i have paid so far is the £80 deposit. It was a silly holiday to book anyway, I can afford to go but I could do with the money on other things so I decided i wanted to cancel it. I emailed them asking to cancel and now they want me to pay for the flight cost, which is £300, the holiday isn't even for over a month away surely this is an acceptable cancellation period! Anything I can do? Thanks
  10. Hi All Long time since I have been on here...... i have an agreement to pay walker love 200.00 pm to pay off council tax arrears. I thought all was going well, however it appears I may have missed a payment back in december. I have had no communication from them until recently I received a letter from my bank advising of an arrestment of my account (over 400.00). I then received a 'mandate' from WL asking me to sign to say they can have the money..... Whilst i agree I may owe them the money, I am not sure how they came to the figure they have. My questions ar
  11. A retired guy sits around the house all day, so one day his wife says “Joe, you could do something useful, like vacuum the house once a week”. The guy gives it a moment’s thought and says, “Sure why not. Where’s the vacuum?” Half an hour later, the guy comes into the kitchen to get some coffee. His wife says, “I didn't hear the vacuum running, I thought you were going to do the vacuuming”? Exasperated, Joe answers, ”The stupid thing is broken, it won't start. We need to buy a new one”. “Really?” she says “Show me - it worked fine the last time!” So he did… (
  12. Hi, i got a 'Charge of payment' letter through the door from Walker Love stating that a summary warrant has been granted me and i owe £1421. This was council tax debt from a previous address for 2010,2011, & 2012, this is the first i have had any correspondence regarding this debt from walker love. I was really struggling during this time due to job loss and could barely afford to pay the rent and accrued quite a lot of debt at the time. I was just wondering what is the best course of action, i don't really want to deal with sheriff
  13. Over 70s prefer SEX than going to cinema ... and love Queen and Only Fools and Horses Many one liners in the article from Fools and horses. Such as 1 Did you know, 500 years ago this was a green and peaceful area? The old Earl of Peckham had a castle where the Kwik-Fit exhaust centre now stands. Flaxen-haired maidens used to dance round the village maypole of an evening. And then one fateful medieval day, the Trotter clan arrived in a stolen Zephyr. And as for queen i remember the group starting.Do you? And Fools and horses. As for sex my daughter thinks anyone over the age
  14. They really are a curse! I have posted a couple of times regarding the nightmare I have had with one of these companies. With all the claims being made regarding Payday loan companies, I can't see any difference with these loans. I really hope we get some sort of compensation for all we have gone through. As with all these type of loans, once you've borrowed from them, it can be a vicious cycle, but in my case, when I first started until I finished not one credit check was made. They did an affordability check but how does that prove one's ability to pay. The desperateness of som
  15. I know that this isn't a big problem compared to most of the problems on here but I could use a little knowledge on the subject. My partner moved in with me in January after cancelling his BT broadband account, he paid his final bill but did not pay the £30 cancellation out of principle as he was unaware that was in his terms and conditions. They do not know where he lives and have no phone number for him but they do have an email address which has been passed to Walker Love (correspondence below). He is tempted to ignore the email but I am concerned as to where th
  16. Hi not sure if this is the correct forum. Also the details I have just now a fairly limited. Sorry. My self and my partner have received an 'appointment letter' from walker love, stating they have a legal document they need to serve. I am not sure what this is to do with (possibly council tax). It has a code at the bottom mentioning 'sequistration'. A couple of questions: 1) does this mean some one has applied for sequestration? 2) If and when they turn up do we have to speak to them and / or allow them entry? 3) will we be getting 'charged' and attendance fee ev
  17. Hi Hope someone can help with this. Lowell took over this credit card debt 6 months ago from Bank of Scotland. The credit card was taken out about 10 years ago. I stopped repayments approximately 4 years ago. Just got a letter today from Lowell stating they have checked my credit file and see that I am a homeowner and are threatening to take me to court over debt. Debt is for £8500. Any help with were I go next would be gratefully appreciated as I have a terminally ill mother who I am nursing and this is worrying me sick. Thanks
  18. hey guys this years council tax 2013/2014 £506 has been pass to the walker love sheriff officers plus there 10% charge making it to abt £556 i owe in total. i have setted up a payment arragment i offered £50 a month they refused due to my income £1300 they said they can get a wage arressment for £160 a month if they want to but said they will accept £100 a month without going thru all that . do they have or myself go to court for wage arressment also i didnt recieve any time to pay form etc with my letter from them. how much can they take if they get wage arresment ? as
  19. Hi, I don't know if I have got this in the right place but here goes. My daughter at Christmas last year started using Love Films so she could watch it on her kindle. Fine not a problem until noticed that love films were not taking 1 lot of money each month but 2 lots and on the same day. I have rung them over and over again asking why they have been taking 2 lots of money but I keep getting told you much have opened up 2 accounts on the same day. I know I am blonde but I know that I did not do the filling in of my card details twice I am not that stupid. My daughter also canc
  20. Friend had a letter from MoorCrap last week. Wrote them a bog off letter and went online to fill out an I&E form even though my letter told them only a Judge can request this. Anyway, I fileld it in with a list of the other creditors and amounts and it automatically works out a pro-rata payment offer to everyone. Very clever. But.. As the amount MoorCrap are chasing is less than half of what is owed to the others, their own I&E said that the pro rata paymment to MoorCrap is £0.00 LOL. Everyone else gets 5p and 8p for theb igger debts lol!
  21. i signed up with Lovefilm. I was informed the account would not open unless i call in to activate. to my surprise they did this without my authorisation.they have been taking money out of my account without my authorisaton. They refunded this and i cancelled the account and still proceeded to take money from my account . i even got debt collector letters from them even though i owed them nothing . i spoke to the the manager supervisor from head office and finally the account is closed (i hope). he would not even award me any compensation for this trouble that lasted almost a year. is th
  22. Youngsters are angry with their high street providers and refuse to recommend them to their peers. High street banks are falling out of favour with the younger generation, with four out of five refusing to recommend their bank. The Young Money report, which investigated the views of 20 to 29 year olds found that they were frustrated with call centres, branch opening hours and draconian security checks. One in ten had hung up while on the phone to their bank out of frustration or anger. Only 17pc of them had recommended their bank to anyone in the last twelve months. "As everybody k
  23. Hi Guys Looking for some advice. I currently have a couple of council tax debts, one for last financial year for around £500 and one for this financial year. Last years debt has been passed to walker love and this years is being dealt with by my local council. i have standing orders with them both for an affordable ammount. Now i must have called walker love about two weeks ago to arrange this debt and in fairness i wasnt on the phone long and it got sorted pretty quickly. i check this months payslip and i can see a deduction titled "eas scotland" for 122.39,
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