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Found 845 results

  1. Good Afternoon. I was wondering if someone can help me with some questions regarding an old debt I have. About 5 years ago, my mother became terminally ill, I was in full time work and had to reduce my hours to help her as she refused to go into care. At the time I was paying for a Loan from NatWest. I knew I was going to start to struggle paying the loan amount so I went into the bank to ask for help. 3 times I went in asked, each time they either tried to replace it with a bigger loan over longer or just said no. On the 3rd time I spoke to the General Manager who said to stop paying the loan and we will be in touch to arrange a lower payment. I was unaware what this actually meant but did it. 5 Years on I have a default and debt owing to NatWest, However they have got Westcot to manage the Debt which I pay a token payment of £1 a month. Recently a friend told me about the original terms and conditions tactic. I wrote to Westcot asking which they told me they only manage the debt I then wrote to NatWest who have replied saying they cannot find them or have enough data and that the debt is not enforceable however because I'm in default this only stops them not pursing in court. The letter says please continue to pay because it they don't they will use what ever means by the law to get the debt back. They also say the Debt is still Valid and please contact them to arrange payment if I haven't already done so. My question is what do I do now? My Default will drop off soon and I don't want to cause a issue which could stop that happening. This is the only debt I have and its effects my credit score. What should I do? Any help with be greatly received. I have attached the letter.
  2. I was 66 yrs old 2 days ago. I have been in hospital for 3 weeks just got out but i have been worried about all my debts (plenty of time to think in a hospital bed) Summary 1) I have been with Payplan for 13 years and i have never ever missed apayment. 2) I have paid back £19,206.54 and my remaining debt is £52,233.72 3) My estimated DMP completion date is 28/04/2055 in which i will be 103 years old. 4) Owing to bad health i will not be around that long. 5) Payplan keep pushing me to start an IVA which is bad advice as it is not guaranteed i could keep up with the payments. 6) All debts are from 2005 and are not reported on my credit file also interest was frozen years ago. 7) I have 12 creditors Wescot Credit Services, Cabot, PRA Group Ltd, NCO Europe Ltd, Hoist Finance, Lowell Financial Ltd etc 8) Most of these debts have been resold many times. Hoist Finance have sent me a letter offering a 69% discount on a debt which my son has offered to pay on my behalf. I am thinking about offering full and final payments over the next 5 years if i live that long and if i can gather any money together. I have ZERO assets and live in rented property. I will not declare bankruptcy under any circumstances. Can you offer me any advice which would be very much appreciated I am very worried about this and somewhere along the line i need to try and put money away for my funeral. I am very grateful for your help and thank you for your time. [TABLE=class: table table-striped table-bordered table-hover] [TR] [TH=class: cred_name]Creditor Name[/TH] [TH=class: acc_no]Account Number[/TH] [TH=class: amount]Estimated Debt Amount[/TH] [TH][/TH] [/TR] [TR] [TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD] [TD=class: acc_no]..[/TD] [TD=class: amount]£5,002.19[/TD] [TD=class: expand_link][/TD] [/TR] [TR] [/TR] [TR] [TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD] [TD=class: acc_no]..[/TD] [TD=class: amount]£1,075.66[/TD] [TD=class: expand_link][/TD] [/TR] [TR] [/TR] [TR] [TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD] [TD=class: acc_no]..[/TD] [TD=class: amount]£2,520.76[/TD] [TD=class: expand_link, width: 10%][/TD] [/TR] [TR] [/TR] [TR] [TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD] [TD=class: acc_no]..[/TD] [TD=class: amount]£3,663.85[/TD] [TD=class: expand_link, width: 10%][/TD] [/TR] [TR] [/TR] [TR] [TD=class: cred_name]Hoist Finance[/TD] [TD=class: acc_no]..[/TD] [TD=class: amount]£1,084.62[/TD] [TD=class: expand_link, width: 10%][/TD] [/TR] [TR] [/TR] [TR] [TD=class: cred_name]Lowell Financial Ltd[/TD] [TD=class: acc_no]..[/TD] [TD=class: amount]£3,282.98[/TD] [TD=class: expand_link, width: 10%][/TD] [/TR] [TR] [/TR] [TR] [TD=class: cred_name]Moorcroft Group Plc[/TD] [TD=class: acc_no]..[/TD] [TD=class: amount]£2,413.83[/TD] [TD=class: expand_link, width: 10%][/TD] [/TR] [TR] [/TR] [TR] [TD=class: cred_name]Moorcroft Group Plc[/TD] [TD=class: acc_no]..[/TD] [TD=class: amount]£8,226.64[/TD] [TD=class: expand_link, width: 10%][/TD] [/TR] [TR] [/TR] [TR] [TD=class: cred_name]NCO Europe Ltd[/TD] [TD=class: acc_no]..[/TD] [TD=class: amount]£5,267.35[/TD] [TD=class: expand_link, width: 10%][/TD] [/TR] [TR] [/TR] [TR] [TD=class: cred_name]PRA Group Ltd[/TD] [TD=class: acc_no]..[/TD] [TD=class: amount]£2,895.64[/TD] [TD=class: expand_link, width: 10%][/TD] [/TR] [TR] [/TR] [TR] [TD=class: cred_name]PRA Group Ltd[/TD] [TD=class: acc_no]..[/TD] [TD=class: amount]£1,666.09[/TD] [TD=class: expand_link, width: 10%][/TD] [/TR] [TR] [/TR] [TR] [TD=class: cred_name]Wescot Credit Services[/TD] [TD=class: acc_no]..[/TD] [TD=class: amount]£7,997.31[/TD] [TD=class: expand_link, width: 10%][/TD] [/TR] [TR] [/TR] [TR] [TD=class: cred_name]Wescot Credit Services[/TD] [TD=class: acc_no]..[/TD] [TD=class: amount]£7,136.80[/TD] [/TR] [/TABLE]
  3. Hi all, Just a bit of a background, I called Blackhorse on the 23rd December 2018 to check whether I had any PPI on loans that I took out many years ago. The first and most relevant was taken out in 1987 as I recently found out from them. They found I had three within 87 and 91. They didn’t indicate or tell me whether or not there was PPI on any of my agreements and instead sent out a complaint form and explain to them why I was misold any of the policies attached to each loan. I had no paperwork at the time of calling. A week later I sent back the form and gave the reasons why each were misold. Before doing this I called Blackhorse again and requested a copy each credit agreement agreement they hold on file which they said ok but still fill out the form and send it back which I did. 2 weeks after sending of the form, instead of receiving credit agreements, I was sent each loans running Statements from the opening payments right up until the last. 2 do not show an indication of PPI. But the largest and earliest loan clearly stated PPI £1637.11 included in a total amount of £15,387.78 to repay back. This is on the first page of the statement. Ive keep asking them to comfirm and they keep saying that there is a strong indication and a final response would be provided The Final response date I was given was 18th February. But I received a letter today stating they need at least another 8 weeks to fully respond to the complaint. It’s quite frustrating that they are not providing a final response. I understand there busy and that’s why they have such sufficient time provided to them under their regulations. The reason they have provided for this responses is that they are busy and it hasn’t gone to the relevant departments yet. It funny because I’ve spoken to 3 different people so far during the weeks that have gone by and they have each stated completely contradictory stages as to where the complaint currently is positioned. 2 weeks ago someone told me it’s half way, a week later someone said it’s not even been seen yet by the case handlers and now they have decided to extend for another 8 weeks. I don’t know what to believe. I’ve mentioned to them that I’m going through hardship at the moment as I’m now disabled and require funds for a needed private operation and the money would come in very handy at the right time. Is this common practice or is there something more to it? Would it be wise to take the complaint to the ombudsman? What’s the best thing to do going forward? Given that there is records of each loan, whats the hold up? Could they be passing liability onto someone else, and would have they not of done that already to address the matter ASAP? Any advice or experience anyone has with dealing with Blackhorse PPI dpt is very welcome and I look forward to receiving everyone’s responses on how to best get a reasonable response in a reasonable time. Thank you
  4. I’ve been stupid and was caught shoplifting in Sainsburys and looking for some advice. I’ve searched the forum for similar situations, but I still have a few questions. I was taken to the back office office and asked for my name, DOB and address. I didn’t want to give them photo ID so showed them my bank card. They appeared to just look at it to confirm my name and didn’t take any photocopies of it as far as I’m aware. I was very compliant, stayed calm, handed over the items immediately (very low cost: less than £9 in total which I then paid in full before leaving). I was then given a lifetime ban letter and was escorted to customer services where I paid for the items and then I was free to go. I apologised and asked numerous times if they were going to call the police and/or if the police will come to my address. They kept saying they weren’t going to call the police and that if police were to be involved they’d have called them then and there. I’m at university and they did say that it’s not worth getting a criminal record over etc, warned me not to do it again, and gave me the printed off letter. From reading the forum and just common sense, I’m assuming that this is not currently and will not escalate to a criminal/police matter since they weren’t contacted and that this isn’t a criminal record (i.e not a charge, caution, etc) and will not appear on any background checks? I was told I will be getting a letter regarding compensation charges but from reading here it appears it’ll be a standard comp charge which I don’t have to pay? I understand they’ll keep writing to me but I gave my university address and barely get post sent there anyway so hardly ever even check my pigeon hole. Is it safe to just forget about it and ignore the letters which I’ll be sent (but probably never get...) I’m also of the understanding that I’d only have to pay if any loss occurred and because I paid for the items in full, there’s no loss right? Plus they can’t charge me for wages/time already being paid for (security etc). my questions are as follows, any help would be much appreciated: 1. Why did they ask my DOB (I just don’t see how that’s relevant, what can they do with that info)? 2. Since I gave my university address if I don’t respond and just ignore their compensation letters will they contact my university and ask for my home/permanent address? 3. I paid for the items on my debit card, could they either track me and further personal details, including home address, from that? 4. I’ve seen a template of a response to the letter basically saying no further correspondence will be entered into. Is it better to just completely ignore their letters or send something like that back to them? 5. As queried in my post, would it be safe to just ignore the letters and put this behind me? I’m stupid and have learnt a big lesson today, so please, no judgement. Am I right to think this will not escalate to a police matter (providing I don’t go back into a Sainsburys store)? 6. Is there anything I should know or do, anything that will put my mind at ease. Thanks in advance for your help. Oh and when I said that I gave my university address I meant my halls of residence uni building (as opposed to a private rented student house) hence I’m worried they could ask my university for further details/my home address since my address given basically is the university.
  5. Hey- myself and now ex partner took out an unsecured loan back in 2006 for £20k on top of a mortgage we had at the sametime - all ok - fast forward 1 year he then takes out a secured loan in our names, forged my signature (this is not why I am writing but just trying to give you some background) he told me he would kill himself if I reported him - we split up only after 2 years did I then contact bank and said I didn't sign or agree to this - they wouldn't back down, police wouldn't pursue the property was sold and the proceeds were swallowed up for his secured loan I stopped paying the unsecured loan in April 2013 (when we split up we walked away and paid nothing) I rented out property and we sold this end of 2013 there is nothing on my credit file for this unsecured loan that is now £16k -I was able to obtain a mortgage in 2016 no problems I am now getting letters from a company working for the bank wanting payment of the £16k - I had some correspondence with them back in 2016 and then it stopped - my question is do I have to pay this? why hasn't this been on my credit files?? I hope I have explained properly I know it will be 6 years of non payment in April but as I had correspondence in 2016 would this be statute barred
  6. Had the following back from MBNA in response to a CCA request. 2 sets of T&C's, one current, and one supposedly from the time they card was taken out (not sure how I'd actually verify that) A summary statement showing current balance And a "copy executed agreement" Have uploaded the covering letter and the redacted "copy executed agreement". Basically, is this valid? This card was taken out in late 2014, and from what I've read it seems like it probably is a valid an enforceable response to my request, but would like to be sure before taking next step (MBNA bluntly rejected a recent full and final offer of around 60% of balance, claiming they never accept such offers. I should also mention that the debt is still with MBNA and no payments have been made for 3 months now. Current balance is a around £10.5k. Borrowing from family and selling a few things I reckon I could raise £8k tops. It doesn't seem like MBNA would accept this as a full and final, and all the while the interest mounts up.
  7. Hi I've got an large outstanding balance (£25,000+) with NRAM that I am now being chased for. It is for the unsecured part for the dodgy Together mortgage, the house was sold Feb 2008 so the paperwork I signed will be a CCA that is post 2007. I was paying up till July 2012, however I was overpaying the so there was a surplus that serviced the debt was until May 2013 (first missed payment according to Noodle). Got the first letter from them today, really surprised it has taken them this long. Wondering what to do next? I can offer to pay something and ironically if I pay them what my minimum payment was set at (not the overpayment rate I was paying). I will pay off the outstanding amount 6 years earlier than if I had just payed them normally without the risk of interest rates going up impacting the balance. I would also assume from credit reference file point of view, that once the default has dropped off on that account it would also look like a normal loan that is being payed by then there would have been 12 months of payment history. The letter is very tame and states it has now been passed to Loss Recoveries and no interest or charges will be applied if I make payments or I keep them informed. The letter also states they may consider passing on to a 3rd party DCA etc, etc. I knew this was coming and thankfully I'm in a position now where I can do something about it. BUT they screwed me over when I went for an IVA back in 2006 and a lot of the financial problems I had would have been done and dusted by the end of 2012. I've seen about claiming about charges and fees and if this can get the balance down a bit then I will take that as a win. Also does anyone know what it is like to deal with them compared to the other DCA's?
  8. We have a de-linked unsecured loan (part of together mortgage, but we moved mortgage) from 2006 for £29k, we have never missed a payment, the past few years we have had agreed, reduced means tested payments NRAM passed it to a solicitor who have managed to issue a CCJ against us after saying we missed six months payments..we didn't. We called the solicitor from the CAB on the morning of the court date (October 2017) and CAB manager explained we hadn't missed any payments. They agreed to stop the court action that day (in an unrecorded phone call!) CAB manager then asked them shall we fax the court form in and of course they said no, it's ok. Well they didn't stop the court action and got the CCJ.. We went back to CAB in February and the manager called them again, they had an interim charging order by now.. we sent a letter on my insistence to the court with proof of all payments and got the court transferred to our local court 2 weeks ago. We thought this was to appeal the process but the judge explained it was to make it into a final charging order. Unfortunately we have had really poor advice from our local CAB debt manager and didn't apply straight away to stop it or set it aside straight after. The judge seemed sympathetic and said we have been poorly advised, adjourned until early September as we said we cannot be certain we still owe £29k as we have paid off over £17k and now the debt is back to where it started. I assume NRAM have whacked on a load of interest and charges when we were on reduced payments. We hope we can prove we owe significantly less than the £29,500 they say. I am about to send off a SAR today using your template as we haven't had statements since 2011, which I now know to be because our regulated loan was in fact unregulated... and isn't covered by CCA. It's a living nightmare, I'm convinced they will then go for an order of sale, even though they say they won't. NRAM have spoken to us as though they have no control over the solicitor's actions and are being vague. I don't want them having control over this, I have a 12 year old at home who is settled and doing so well at school.. we had every intention of settling when we sell in 11 years at the end of our mortgage and have never missed a payment. I hope I can get the statements back in time to look through them and they don't delay the SAR process too much with delaying tactics. Any advice would be appreciated! And do we send one SAR with both our names, signatures etc on it, and do we ask for just the statements since 2011 or everything? Many thanks.
  9. Hi guys, this is an odd one, bare with me. A couple hired a car and the same night broke their window. Few minutes later the gang they had planned with drove away the car. Some time later when the tracker was removed or when it was secure they alerted the couple. Few minutes later they called the police. The story the couple used is we were asleep, we were woken by some noise and after looking for the cars etc we realized the keys were missing and that the window was broken. Unknown to them their tenant over heard many things including them visiting the gang leader few times to claim their money. He also over heard the couple explain to the police and some insurance people including the person they had hired the car from. All the tenant knows is name and color of the car and rest of the above including the gang leaders name. Now with the above information if he goes to the police I am sure police have absolutely nothing to go on. However if he takes a lie detector test and with a written statement via a solicitor police might do something however the lie detector test is not accepted. So only conclusion is to find the insurance company as they use these methods. So I am sure if he goes via the insurance company he may get better results of them being prosecuted? What is the best method of them being screwed over this crime. (the tenant is their relative. He stayed until his studies were over, as he declined to marry the wife's relative, things went sour. They informed his family who were also backing the tenant with finance for studies many stories which forced them to stop. He failed to do his masters and had to take a rubbish job. Many years later now he has discovered all this.) This crime is at least 6 years old. Anyone know the best way of them being done for this crime. BTW they got cheated. The gang leader did a runner and when he appeared he said the car was stopped by Nigerian customs. So no sale no produce. Ali
  10. We are on pay as you go both gas and electric and until the meters packed up electric on 31st Dec and then the gas on monday. everything was ok. the electric meter packing up left us with no electric at all and because EE were having their break they thought it would be a good idea not to have an emergency number.. I ended up speaking to SSE who came out 30 mins later to check the power into the house as they said just in case its a fault their side. it wasn't, it was a faulty meter, SSE electrician got authority to bypass meter. we then spent from 2nd jan to Tuesday 8th trying to get the meter sorted. it was changed on the 8th after they reported us to SSE for unauthorised meter bypass, which wasn't the case, the meter was changed for a key meter. the gas meter packed up on Monday this week, and after lots of phone calls, they sent someone to change the meter on tuesday. that was changed for a card meter. no card left and no key left. now EE have gone to the wall, and ofgem who`s advise is to stay put until they change us over, but where does that leave us without any means to top up our gas or electric.. .anyone have any suggestions have tried ofgem on their Facebook page but still waiting for a response...… .thank you
  11. Hi I've been getting a number of letters from different debt companies and i stupidly ignored and even stopped opening them. I now have a letter from Northampton county court ordering a payment of over £8,000 for a certain credit card bill. I however suspect that this debt might be over 6 years as i remember getting into financial difficulties and defaulting when i was on maternity leave six years ago. I have read a few threads on here that mention doing a set aside and am guessing this is the route i need take, but am not sure who to contact regarding how old this date is. It was originally with Lloyds bank and has been passed to different companies. They are demanding for payments to start on the 5th April and another 2 companies are issuing their demands too but not gone to court yet. Any advice on what to do is very much appreciated.
  12. I wonder if any one can help. My husband works as a Chef, he has been working as a chef for over 20 years. he has a medical Condition Called Menierse disease. He has had it about 5 years. It causes him to have attacks where he colapses, becomes extremely, dizzy, vomits and he can’t stand up. He has to take medication when he has a attack and ends up in bed for 3-7days. After an attack he is left feeling very tired. He does not have attacks that often, but they are normally triggered by stress, being over worked and tired among other things. His employer knows about his medical condition but does not seem to care. They force my husband to work 6-7days a week 10 hours a day whilst every one else gets 2 days and 1/2 days off each week. They were working him so much that by end of November he had a attack, luckily he had just started his holiday so did not need to take any time off work sick. He ended up in bed for 4 days. When he went back to work he told them he had had another attack and that he could not continue to work 6-7 days a week and that he needed 2 day off a week. But they don’t seem to care as they are still making his work 6-7 days a week whilst every one else gets 2 1/2 days off. He is starting to look unwell and I’m concerned he is going to have another attack soon. Would a doctor be able to write some kind of sick note stating that they need to accommodate his medical condition and that he needs 2 days off a week, or slightly reduced hours for a while. before any one asks he has looked for another Job, he has been looking for a while but have not been able to find any thing. Quitting is not a option as we need his salary as well as mine to pay bills, we have 4 children to support. We would never cope on just one salary. On top on this their extraction system, in kitchen is not good, it’s useless and does nothing and when in kitchen all the chefs are breathing in very greasy air. It’s taking its toll on my husbands health and other staff. My husband now continually coughs and throat clears, worse when he has just finished work other staff are too, we are worried as to what effect it will have on his health long term. Is there any thing we can do to get employer to emprove condition in kitchen so they are breathing in clean air. any advice much appreciated thanks in advance
  13. Name of the Claimant ? Southern Water Services Date of issue – 10/11/2018 33 days was up on 8/12/2018 (3 days ago) only found court letters yesterday. Particulars of Claim The Claimant is a statutory water and sewerage undertaker pursuant to the water Industy Act 1991 (the Act). The Claimant claims the sum of £1700 for unpaid water and/or sewerage charges payable under s.142-144 of the Act and the Claimants Charges Scheme. The unpaid sum of £1600 is for water and/or sewerages services provided to the Defendant(s) at ************ for the period of July 2011 to July 2018. The Claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from July 2018 to November 2018. Claimed amount £1700 Court fee £105 Legal representative costs £80 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Received 2 letters from shulmans llp - letter before court action, and multiple from UK SEARCH LTD prior to that What is the total value of the claim? £1800 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Water When did you enter into the original agreement before or after April 2007 ? Been at the property since 2008 Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Think so Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claiment on court form is Southern water but they insist it's been passed to UK Search/Shulmans Were you aware the account had been assigned – did you receive a Notice of Assignment? Letters from uksearch Ltd acting on behalf of southern water. Did you receive a Default Notice from the original creditor? Probably Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure Why did you cease payments? Haven't made any payments. On benefits can't afford total sum. What was the date of your last payment? Years ago. Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes. Made an online application for Southern Waters NewStart Scheme (was ignored). Tried to negiate a payment plan with Southern Water's legal department but they say their is nothing they can do as the debt as been passed on to UK Search Limited.
  14. Apologies for the long message but wanted to explain situation Please can you advise? Purchased a Motorhome in July 2015 Paid bank transfer for lot (yes I know now I shouldn't have) £61K Endless problems over last 2 1/2 years and MH spent months over this time being repaired Even had a fire in the garage in a socket that wasn't working which they said they had repaired I could supply a list of repairs but I'd take up too much time for you to read them Main issue now - last June whilst on holiday during the heat wave we wound out the factory fitted awning on the side of the MH. It was hot and no wind. When we got into bed that night we looked up (on the awning side) and noticed a gap of about 2cm above our heads along the seam where the roof meets the wall and the trim going around the roof had completely buckled. We called Marquis Leisure and also the manufacturer Auto Trail to discuss the issue. It took 6 months to get the MH into the dealer to be investigated The dealer was not happy and felt this problem was way beyond them and their workshop They wanted my MH to go back to factory for the repair and investigation Auto Trail refused The dealers workshop then removed various parts including part of the wall board to see what was wrong It became clear that the main beam supporting the roof and the side wall had been screwed incorrectly into the 40mm composite beam, and had been screwed just on the edge so causing the screws to pop out of the side when the counterbalance of the Awning was extended The manufacturer told the dealer to drill a hole in the side wall and fill with expanding foam. I said no, I want a proper repair, expanding foam was not the answer to secure the side wall to the roof and stop the side wall being pulled outwards The manufacturer wouldn't accept liability even though photographic evidence showed this They said I had swung off the awning or left the awning out in the rain (which I haven't and this is confirmed as no sagging of the awning fabric) and caused the screws to pop out After 3 weeks Auto Trail told the dealer they would allow 8 hours of goodwill repair and refused to tell me how they were going to repair my MH I became frustrated at this point and sent them a letter of rejection under the 1979 Sale of Goods Act as not fit for purpose I had given them 3 weeks to repair my MH and they did nothing They wrote back and refused to accept it Next thing my MH keys are pushed through my letter box and my MH parked outside my house unexpectedly. It was in pieces, completely trashed with electrical wires dangling and wall boards removed They said I had refused them to repair my MH when I didn't. I just asked them to tell me their method of repair I decided to get an independent report and also sent them an SAR to gather all my personal information from them - my correspondence with them and their dealing with me and my MH The independent report was done and confirmed this could only have been caused at Factory with poorly located screws as they were screwed from the top of the beam down. Auto Trail was sent a copy of the report and refused to accept the report I decided to book another independent report (how many do I need to get and pay for?) This has shown the problem to be much worse than I thought originally The report says my MH has a serious structural problem. It says my MH is currently unusable and not fit for the purpose for which it was supplied. It states it would have been faulty at the point of supply but this did not become apparent until the vehicle had been used. It would not have been detected by a pre-delivery inspection It will require a minimum of 60 hrs work to repair How do we make the Dealer and Manufacturer accept these faults? What would you suggest? I realise my Contract is with the dealer, but my warranty is with the Manufacturer
  15. Hey I'm on a self made Dmp with 2 companies , Cabot financial ((sold to them by aqua)) and Hitachi capital finance. I received a default from aqua but no default from Hitachi. Total debt around 8.5k My Dmp with Hitachi capital finance shows on my credit file as late payment and has done even though my Dmp has been running for 16 months without payment issues. Could Hitachi give me a default even though I'm on Dmp? Also I looked at an IVA but I can't find d clear requirements for it. I'm not a homeowner . is it worth trying?
  16. I took out a money claim to recover money owed. The Defendant hired a Solicitor who sent and acknowledgement and applied for extra time, 28 days, to file a defence, I made no objection to this application and the court never put it in front of a judge for ratifying. However, 28 days later when the date specified by the Solicitor on their sample order had passed, no defence had been filed, so I applied for the judgement to be made by default as no defence has been filed. The Solicitor then called me (4 days past filing date) requesting further information so that they could begin to put together their defence... (BEGIN to??!) and I pointed out that I had already applied for Judgement as they were now out of time (CPR 12.3 (2)a "The Claimant may obtain Judgement by Default where acknowledgement of service has been filed but a defence has not been filed and the time for filing has expired). The Solicitor said that the extra 21 days dont start until they are rubber stamped by a judge. Today I received notification from the Court that the request for judgement has been returned by the judge for referral to a District Judge. So, my question is: Where extra time is requested and not challenged, is it accepted that the extra time is granted by agreement? Or can this defendant solicitor continue to delay filing until they get a rubber stamp agreeing extra time? My reading of the rules that where extra time is agreed 28 days would be given, would apply where no challenge is made to the request for extra time. How do I challenge this and stop them late filing please?
  17. Hello would someone please be able to give me some advice or opinions on my next steps to help me. To cut a long story short i have a small business. I ordered an item to be manufactured for £1600 from another business (i now believe this business to be a sole trader). I paid 50% on order and 50% on completion. All good so far. I collected the manufactured item and took it home and placed in my unit but never opened it. I was speaking with the said manufacturer a couple of weeks later and told them that i was unsure if i had made the correct decision in purchasing it because my customers hadn't seemed that keen. They told me that I could bring the item back and they would sell it to one of their customers for me as they had a backlog on their orders for the item. I took it back and left it with him. After a couple of weeks and trying to contact them via a few different methods i dropped by the factory to see where my item / money was. I was told that the item was at a different property and they would drop it off for me. You guessed it. Nobody showed up and no contact has been made. My thoughts are that the item has been sold and now they haven't got the money to pay me. What can i do next? Small claims court maybe?? The only paperwork i have is the invoice, i never even got a delivery note. I do however have a string of messages stating that i dropped it off etc Thanks in advance
  18. Hello Creation ….what a nightmare I sent them my new offer at the same time as all the others, they said on 16th Oct they were putting account on hold for two weeks so that took it to 30th October to allow time for letter to arrive, review it and reply. Today not even a week on they leave me a message advising account now off hold! I rang them and could make no sense they say yes account on hold but not on hold????? Do I ignore them and wait for them to reply to letter as quite frankly I don’t trust them and at least if it’s all in writing I know where I am? Or should I call them again? I ended up hanging up on them today after they put me on hold for 17 minutes!
  19. Long winded explanation. Our mortgage of 25 years comes to an end towards the end of this year, when we will have to repay approx £100k 2 years ago our life endowment policy was ended by Phoenix Insurance (not originally with them but numerous acquisitions they ended up with it). The reason for ending it - they had had to use money from the pot to service the policy. We complained - they agreed that it had been mis-sold and they refund the difference between a standard life policy (life only) and the money we actually paid into the policy over 23 years with simple interest added. This came to just under £15k instead of the £80k we were expecting to receive at maturity. Not happy with that we complained to the FOS, who said we had a case. Their decision was an extra £435 on top of the original offer. They agreed that the policy had been mis-sold & mishandled (we had a riskier life policy rather then the standard endowment one), but that this was all we were entitled to. We said we were not happy with that as we were going to use that money to pay off the bulk of the mortgage. The ombudsman said he would refer it higher up the chain but the result was the same. He said we could go to court ourselves but the judge would take into account the FOS decision and the likelihood we would not win any substantial increase plus court/ legal costs - we would end up worse off. After taking free legal advice, we felt gambling and losing more money was too risky so, we decided not to pursue court action. now we have only £15k to pay towards the mortgage. We will have to put a credible plan to the bank to reassure them that we will be able to pay off the mortgage very soon. There is no delicate way of putting this, but I think you will need to know everything to be able to help me. I never thought I would be in this position. The only thing that will enable us to pay off the mortgage is that my wife and I will soon inherit a substantial amount from our 3 remaining parents (all in their 90's). I realise that this is described as a "potential asset" in the financial world and not an actual realised asset. When my father died 11 years ago I inherited 1/2 his share of the house, with my sister the other half, which by todays assessment of the value of the parental house (minimum of £600k quick sale) is approx £150k for my share. k This was frozen whilst my mother is alive or wants to continue living there. He did this because my father was worried that my mother would live a long life (she has) and would need to go into a nursing home (she hasn't) and all of the money, if he left it to her, would go in nursing costs leaving my sister and me nothing. After the turmoil of my fathers death, I was given a document from the family solicitor, stating the above, but over the years I don't know where it's gone. I recently contacted his office which has been taken over by a bigger solicitor's firm asking for a copy but they said my mother is the client, not me, so they would need her permission. In my mothers present condition I do not want to worry her and so getting a copy is going to prove impossible. My mother has a big house in the south coast. She has had heart failure for 5 years (along with 3 different types of cancer). Her heart failure was diagnosed in Oct. last year as end stage with 6 - 12 months left to live. My question is how should I approach the bank (HSBC) about the fact I cannot settle the mortgage straight away and I have an asset that is frozen at the moment? Thanks in anticipation
  20. Hello everyone, I would like to know if anyone as won any cases against Blemain in regards to unfair charges etc.... I took out a loan in 2006 for £25k secured on my property, I clearly checked the box indicating we did not want PPI only to find that over £5k was added to our loan which was for PPI. However in late 2017 I still had £27k outstanding on a loan which was taken out over 180months. Simple math shows with have paid over £50k back since 2006. My beef with Blaimain/Togrether is : £5k was added to the loan at the front end for PPI to which we clearly said we did not want. Since 2006 our monthly payments have been based on £31k rather than £25K I would like to hear if anyone else has had a similar experience. Thanks.
  21. Hi all, I would like some advice for a secured loan that was taken out by my ex-husband before coincidentally divorcing me a few months later. The loan was taken out in October 2007 and now over 10 years later i have been paying and the balance has only reduced by £200! I am extremely struggling with this and need to get this debt resolved as soon as possible can anyone please offer me some advice and guidance i have attached the enclosed paperwork. Information: My ex-husband never made a payment on the loan and was never on the mortgage or house documents, the house is in my sole name bought before marriage, i have told paragon to find him for payments however they are not interested and keep threatening to reposess should i not pay them £233 per month. Doc3.pdf
  22. I hope I'm posting this in right place. I hope some one can give me some advice. I work in a small hotel. I'm the Head Chef. We have 2 other chefs working in the kitchen. One of the chefs is known to be very lazy. Likes to take time off saying he is ill when isn't, spends more time playing on phone than working etc. Earlyer this week on the Tuesday I was working with him and he started going on about how he had just got a new xbox and the new call of duty game that had just come out. He started moaning that his friends were already much higher level than him and that he need to catch up. He had his days off Wednesday and Thursday and Friday morning we hear from him and he has apparently been to doctors and been signed off works for 2 weeks due to stress. He is not stressed, he is only 25, is not married and has no children. He has only just come back off holiday a week ago. I'm sure he has lied to Dr to get time off to play his new video game. He has been playing his new call of duty game for nearly 80 hours straight. And is still online playing at 3am. Would some one who is under that much stress that they can't work be able to play videos games non stop. I am really angry, I have young children and my youngest son is very poorly. He has hospital appointments next week and weeks after. I had booked days off for both weeks, over a month ago. So I could look after my other children whilst my wife takes our youngest to hospital. These hospital appointments are very important. And include Nurosurgery appointments and appointments at eye hospital. We have no family to ask for help, and no friends so my wife relies on me to help. A lot of the hospital appointments are over 3 hours away at specialist hospitals, and a lot they require that my youngest son is bought alone, so it's not possible for my wife to take are other children with her. We are going to have to cancel all appointments as I have now got to cover for this other chef and will have no days off next week or the week after. Its so wrong that he gets to sit at home playing stupid video games and still gets paid whilst I'm left having to pick up the pieces covering for him working my self in to the ground and it will effect my children as they will not see me, and expecially my youngest as he won't get to his hospital appointments. I also feel sorry for my boss as she is a old lady in her 80s and I feel he is taking advantage of her, he lies to her and she believes him. I don't like to see him walking all over her, he laughs at her behind her back. She ended up in a simular situation with a different employee many years ago and she did sack them but then end up being sued for apparent unfair dismissal. Although that situation sorted its self out she is afraid to do any thing or sack any one else. Is there any thing I can do about this chef, how can I get my boss to see what he really is like. I have physical evidence to back up my claims that he wanted time off to play call of duty. Is it worth me mentioning to my boss. Surely as Head chef I should have a say in who works in kitchen. I don't want some one lazy, I want some one hard working who I can trust and who is reliable. If my boss will listen what should be her first step to dealing with this so she doesn't end up in same situation as last time. Any advice would be much appreciated If you wondering why I'm awake posting this at 3.50am is because a neighbours parrot escaped and is sitting in a tree out side my window sqauking like crazy so cant sleep. Thanks in advance.
  23. Good Afternoon, I am hoping somone would give me some advice, I have been recieving letters from Mortimer Clarke Solicitors, i have attached the most recent one. This debt is from a Loan i had from Sainsburys in 2011. I had been making payments on it for some time and paid 70% of it off. For some reason the payments stopped, possible due to closing my old Barclays Bank Acc and moving address aruond the same time, the loan was fogotten about completely. Cabot are now after the remaining £300 of the debt + all their fees and charges. I have responded saying i will pay £70 per month which is what i used to pay Sainsburys but they now want me to fill out their expenditure form. What are my options here? They mention Court Judgement and a Warrent of control? but i havent reieved anything from the Court this issue was only bough to my attention about 6 weeks ago. I have not refused to pay, i have responded to all thier letters a Warrant of control seems slightly over the top. Any help would really be appreciated. i checked my Clear Score and its been hit hard by this! infact its gone down about 90 points. Many thanks
  24. Myself and my partner are in the process of sorting a DRO . Phoenix Collections have been bugging me for a Ctax debt of 250 quid and i have told them that i am in the process of sorting a DRO, all correspondence has been by recorded delivery. This morning a letter arrived to say they shall be sending somebody out etc . I have previously dealt with them with an old CTAX bill which i paid in full. With the previous debt they were let into the property but didnt add up any goods etc but the debt was paid. my question is Do they have a right to enter my property now as its a new debt ? or does it not matter as they have been in with a previous one Slightly confused , they just wont back off
  25. Hi, I need some help with an issue. I'm currently collecting evidence against a finance company who say I had a secured loan in oct 06. I did take out a secured loan with this company in Feb 06. My question is if a charge was placed against my property in Feb 06 for a £7k loan, if I had then taken out a loan with the same company for £12k in Oct 06 would they have had to raise another charge. I have requested this info from Land registry and am waiting for them to get back to me.
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