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  1. Good evening all, I am in a sticky situation, I received an invitation letter to go to the National Speed Awareness Scheme to write off my speeding offence, I was doing 58mph on a 50mph zone. My current situation: I've been financially struggling due to getting married in July abroad and money is something I've been struggling with but I'm getting by and putting things into place. I received the letter for the course on 7th January 2019 with every intention of attending the course, but I completely misread the situation, when I went online to drivetech to have a look a
  2. hi, very worried as I had missed a payment early on after getting the possession order then been paying on time and missed a payment as I had changed my card details and couldn't afford the payment by time I realised it hadn't gone through. Been having non stop calls for past few days as I am a student nurse I was at work and missed the calls. I called tonight to be told it had gone to litigation that morning and although took new payment details he said he would speak to manager in morning but it would prob go down lines of eviction.
  3. Hi been given a reposession date after mounting arrears and not keeping to the suspended possession order given about 5 years ago. I haven't worked since 2011 but am starting work next month so offered Halifax £90 extra a month. Was told by Halifax a month ago that we could make a payment arrangement but first they needed to get another possession order but not to worry it was cos old one had lapsed. I then swiftly got a possession date through. I have liased through Ascent and they won't accept it they want the £9000 arrears. I have had medical problems and a bre
  4. Hi everyone For the past 7 years I have been paying IDEM in respect of an MBNA credit card debt that they purchased probably for a tiny % of the actual. Since 2009 I have also removed several defaults from my credit file and paid back pretty much everything that I owed following a difficult financial period of my life. I got to the point that I was actually approved for a mortgage 2 years ago. However , a few months ago , I registered a complaint with IDEM as they would not accept a full and final offer to pay off the final and mistakenly I stopped payments for a coupe of month
  5. Some months back I opened the door to the Tv Licensing people, and made agreement to pay licence in small amounts, Due to illness and having to move on to benefits I could not afford to keep making the payments. Today i received a warrant for arrest for non payment of the debt, I am really worried that I may be arrested, but all the same,at the back of my mind something tells me that the warrant is not what it seems to be, It is printed on card sealed on 3 edges. the front says its from HM courts and tribunals services,but the inside looks more like a tv licence warning, but says "Det
  6. Hi all, > I am trying to put together a letter to Lenovo due to an issue I had with my laptop. We paid an extra amount (£68.40 for a 3 year two business day repair, which actually turned out to be response (ie: an engineer contacts us in 2 business days to resolve the issue). Timeline: Raised issue 18/7 Chased 20/7 Chased 23/7 at which point it was escalated. No idea who to as they still won't tell me. 24/7 finally get a call to make an appointment for 26/7. 26/7 - No show. Called to find out what was going on, and the engineer was ill. New appt made 1/8. 1/8 - No
  7. I am helping an elderly relative (91) with a court claim. Wer are getting the witness statement ready as there are only 3 weeks until the court date. He received a letter in december and should have paid his hearing fee in february. Its new to me, but I think the court will strike out the claim. He is unsure if he paid it, if he has not what is the worst case?
  8. Good morning, I looked at my bank statement this morning to see that Harlands have taken £36.99 out of my account. called them and they said it was refused by my bank as "Refer to payer". received an email from them a day after they tried to take the payment(24th January) saying that it was "Refer to Payer" and that there was insufficient funds in my account" called my bank today and they said they can see that Harlands attempted to take the £11.99 on the 23rd January but it was refused. They said I had over £100 in my bank on that day. They then mentioned tha
  9. Hi and thanks in advance for any time and help . Been meaning to post for a while , a letter that arrived yesterday (29/9/15) has spurred me on , My wife a number of years ago had run up a £10k Yorkshire bank visa card debt. When I looked into it earlier this year when she told me about the debt it seems (according to noddle) she received a CCJ dated on her credit report on the 1/10/09. The letter that arrived yesterday from the county court is titled a "general form of judgment or order" and goes on to say ," It is ordered that ME III limited be substituted
  10. From their website: "Charged to cover the administration of issuing an arrears chase letter." - Outgoing arrears letter I'm not condoning missing mortgage payments, but surely £27.50 is a lot for a one-page (presumably computerised) letter and envelope being sent out? I think this has been covered previously (in 2011) but I'm not sure of my best course of action. Or whether I have a claim at all? Can anyone help me? I have received 2 of these letters in the last fortnight alone. £55 is hard to take for 2 sheets of paper and 2 envelopes! This figure is clea
  11. Good afternoon, I entered an arrangement with my Capital One card with reduced payments for a temporary time, due to redudnacy. I have made every payment, as agreed and on time. I checked my credit file and noticed they had uploaded some late payment makrers - 1 on one month, then 2 then 1 and 0 for the latest payment. I have made a complaint about this, and have bene told that this is their process, despite them admitting the adviser on the phone did not advise me they would show as late payments. Is this the correct process for them to follow? I don't t
  12. See on TV news that Vauxhall are limiting production of the Astra with a loss of 400 jobs. The article went on to say that Vauxhall are now owned by the PSA group ( Pug / Cit). When were they taken over from GM ?? Instead of sacking 400 people would they not be better off training a heap of them as Auto Electricians-----might solve a multitude of problems for the whole group
  13. Hi This is from earlier this year but after seeing a lot of press around refunds I thought it was worth pursuing. My daughter had booked a flight with Flybe from our local airport Newquay to Gatwick to connect with a Malaysian airlines flight back to Australia. I dropped her off and she checked in. Her connecting flight was 1.35pm, so plenty of time to connect with the flight. The flight was meant to take off at 7.25am, but took off at 8.35am. It landed in Exeter as Gatwick airport was shut down due to fog. They sat around for 2 hours until they informed them that they had cancelle
  14. Good evening. Two weeks ago I banged my elbow, the morning after I had reduced movement and a lot swelling. I presented at the local ED and was seen by an ENP who after an xray said it was not broken, to his surprise due to the amount of swelling, so I was to mobilize it as much as possible. Yesterday morning I awoke to an elbow for times the size it would be so I went to the GP who sent me to hospital to be told "oops, we have had a consultant look at it and we missed it" I've now got a collar and cuff and have to rest it for three weeks. Its so painful that I am now on Oramorph and
  15. Hello, A number of PCNs from Smart Parking were delivered to my address in the last few weeks, for an alleged breach of the terms of parking at Matalan in Sutton, Surrey. This was subsequently followed by a Notice of Intended Court Action letter from Debt Recovery Plus (DRP), stating the reason for the PCN being issued as: "Overstayed Paid Time". Earlier this week, another letter was received from SCS Law who claim to act on behalf of Smart Parking Ltd who have allegedly instructed this law firm to recover the PCN charges. The letter then goes on to state that Smart Parking ar
  16. Hi all, due to a massive cock up by myself I have missed a claimform deadline and judgement has been issued according to MCOL, this was because I went on holiday and was too late when I got back, yesterday....completely my own fault! Is there anything I can do?
  17. Hello, I have a problem regarding PCNs and hope someone would be able to help! Received PCN regarding a driving contravention ( crossed a road the wrong way, but it was a quiet residential side street and i was lost!) dated 26th April sometime the week of 15th May. ( mail mix ups are common, it's a relatively new block of flats, mail from a similar sounding block beside us tends to end up with us at times) Appeal deadline would have been 26th May. I tried to appeal online, but the website wasn't working. I have screenshots from several browsers.
  18. Hello and thank your reading, I unfortunately suffer from the following which I take medication for: Spinal Injury - Long term disability affecting movement, loss of feeling in legs and feet Chronic Pain due to spinal injury and herniated discs Depression ADHD I missed my Work Capability Assessment as I had an infection, I called the centre prior to the appointment to tell them and I also visited the GP and obtained medication.I was told that I would receive a letter from the DWP asking why I missed the appointment. I subsequently received the form, I completed the form com
  19. Hi there. I hope this post makes sense. I'll try to be concise We bought a used car from a dealer and moved 250 miles away. 20 days later a grinding noise, which may have always been present and mistaken for a sports growl, became so loud that my wife pulled over and called the AA. It was taken to a local garage who had a transmission specialist tear down the gearbox to find the mainshaft was badly worn. The brake discs were also found to be badly corroded. It was the garage's opinion that there was no way this could have been caused in 20 days of driving. An
  20. Hi Guys, Missed a payment 3 months ago so they charged interest and the missed payment fee. Adding the fee took me over my credit limit so they added another fee for being over limit. There is no way I'm going to be able to make a full payment for ages, and a letter today says:- "You'll continue to be charged fees each time you miss a payment or go over your credit limit." Is there any kind of legal ruling regarding fees charged, because if they are going to keep adding them I don't see any point in even trying to make a payment. Thanks Andy
  21. Had a couple of numbers ringing me up but I don't answer as I do not recognise who they are from, could be a [problem], I mean they could leave a message but never do
  22. Hello, Debt Recovery company raised a claim against me. It was dated 24th November. I have acknowledged the claim and ready to contest it . I make CPR request etc but only got a letter that they dont have the documents in their possession but have requested from original creditor. It appears i have missed defence date by few days. Please what can i do? Cheers
  23. Hi all. I have today received a Notice of Enforcement from Rossendales, it is relating to a council tax liability order from 2011. I had made an arrangement with the local council to pay back monthly which was quite a low amount as I was on JSA. rather stupidly we never set up a direct debit and paid via online or payment card as and when we had the money by the due date. Unfortunately after paying regularly for a couple of years we missed a few payments ( I thought the wife was paying it she thought I was!) I called the council and tried to get the plan back on track and
  24. Hi , I heard a legend about something that happened to a friend of a friend: They were stopped on British Rail allegedly without means to pay and intent not to pay, They changed address. Summons Letter went to the wrong address They missed the court date. (A month ago) Only recently. the occupant of previous address notified them of the letter. They have been advised to do the following steps: 1. call the court ask for Statutory Declaration to re-open the case. 2. This will trigger an interview to decide on re-opening and they will be asked for their plea.. 3. Do no
  25. Hi all. A friend of mine has had his DLA stopped because he missed an appointment for a Health Assessment. He knew nothing about the appointment because for some reason they were sending all correspondence to the wrong flat in the house he shares. When someone moved in to the empty flat, the letters were unnearthed. This was unfortunately a couple of days after he was meant to have gone to the assessment. He then recieved a letter (wrong address again) saying his DLA is stopping, and his claim for PIP was denied. All because he never turned up for assessment. He telephoned last month
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