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About Me


  1. I had been given a PCN by Park Watch / Defence Systems in June for wheels over the line in a parking bay - £50 going to £100 if appeal fails. I appealed to POPLA, it was rejected so £100 charge stood. I paid £100 in october but they referred my case to Debt Recovery plus because they said the payment was late. The charge is now £160!! Even though I've paid £100...don't understand. I've emailed them and spoken to them and they're just bullying me and threatenign court action. I can't sleep with worry but I've paid £100 after being threatened and now they want more!
  2. Hi all newbie here recently joined to get more help and info regarding capital resolve
  3. Hi all Someone has just told me about this site and said it's the best place for advice I wonder if anyone can help me please The company I last worked at have just started liquidation proceedings. I was made redundant a month before this happened and so I have only received 1 months pay in lieu My query is I've received a P45 from them but the pay to date figure states 2 months pay They say their accountants said it's right as it's what I've earned - but I never received it and now I have to wait to see if there's any money to pay creditors who are beneficial into the continui
  4. Hello all, as the title of my post suggests, I'm new here I have lurked in some of the other advice forums and my,oh, my, what a wealth of information. I think I am going to stick around. For those of us in the UK, have a great weekend and mind the snow.
  5. Hello all, Thanks for taking the time to read my thread. My story is no doubt similar to many past and present, i am looking to now take control of my life and debt! After a period of tough times and illness i have started work/business again and on the road to mental well being. Background... 40k unsecured debt Self employed / Partner employed Discussed circumstances with Payplan and they recommend debt management plan or IVA I am concerned over IVA and the equity clause at year 4 as this is our nest egg, i have no pension and the property is in my spouses name b
  6. Hi all and thank you for allowing me to join the group. I would appreciate any advice and help you can offer me. I have started the process of attempting to claim back for miss-sold ppi on two old personal loans with Halifax both for small amounts £1,000 and both taken over a repayment plan of 24 months. I have received correspondence from the Halifax clearly showing both loan agreement account numbers at the top of the letter. Sorry I should also state both loans were back in the early 90's. From the correspondence it appears that they are aware that we were miss-sold
  7. Hi All Newbie here, hoping someone can point me in the right direction please. Just over 10 years ago I lost my dad to dementia, just over 5 years ago sadly he died, unfortunately he wasn't insured or had any saving it was down to me to find the money for his funeral not having much money myself I had to rob Peter to pay Paul so too speak a lot of my own bills got missed in order to find the money needed. Long story short I ended up defaulting on my very catalogue account, they quickly sold it on to I think at the time it was Reston's, they gave up after a couple
  8. Hi, I have finally checked my credit file and I have 2 defaults from PD loans and 1 from Lloyds. Cash on Go ( I think may be Satsuma) - £410 ( Initially borrowed £200) Provident ( I think may be Peachy) - £755 ( Initially borrowed £400) and Lloyds £410 ( 100% unplanned overdraft charges that have accumulated.My account was a basic account with no OD facility.) United Kash have been contacting me for the Satsuma loan but from reading on here, I have not replied or answered the phone. As they are defaulted what can I do now? Just ignore them? There is a very
  9. Hi New to the forum but have reading through a lot of related threads and now i'm a little confused as what action to take (if any next). I have spend the last couple of years fixing my shambolic credit history, got myself into a right state back in 2010/2011 with debt totalling around £12k with various creditors, defaulted on everything and avoided by ignoring letters/moving, etc. Over the last 2 years I have been tackling them one by one arranging settlements and have a single creditor left totalling just over £4k. This debt is related to a Bill of Sale Agr
  10. Hello, I'm a newbie here and also a foreigner. My knowledge of dealing with debt in UK is limited. Please, help. My mother became terminally ill in 2010 and died shortly after. During her sickness I had to travel to the country my mother lived in and pay significant medical bills. I used all my credit cards to the limit and started to apply to payday loans. At the moment I have bad credit history and rely on payday loans to pay my day-to-day expenses. Even my salary is pretty good every month I struggle. As the situation is very unpleasant I became a shopaholic
  11. Help getting Catalogue charges reclaimed I have accounts with Studio and also Fashion world the admin charges from Studio £28 plus £12 are crazy around the same for Fashion world been paying these for near on ten years these accounts will never go down been to CAB who advised me to write asking for my credit contract and also payment history and in closed a £1cheque for each account have have them 40 days to respond what next? I would be very great full of any thoughts thanks Mike really struggling to pay off this account kee
  12. Hi I am new to the forum but have been looking at similar posts etc to try and get my head around my situation etc. This site is incredible and has given me the confidence to fight my alleged debts. I entered a DMP in 2004 as got into financial difficulty due to numerous factors. all the debts were obviously taken out prior to this probably late 1990s or early 2000s at the latest. I have dumped the DMP as 12 years on nothing seems to have changed. Was originally told that I would be debt free in 6 years but that's another story. I have SAR'd the DMP company.
  13. Hi, I'd appreciate any help/advice about my situation and what I should do next. I got into a lot of debt back in 2006. I have 10 debts ranging from £250 to £12k. Around £42k in total. When I got into this debt I panicked slightly and took out a debt management plan with a fee paying company, paying £310 a month, which includes a fee to them of approx £65. I have paid this payment faithfully for the last 10 years. The DMP company contacted me recently to raise their fees and it was at this point I realised why was I paying them £65 a month? I have now cancelled my deni
  14. hi cag, just signed up, looking for advice and offering it aswell.
  15. Hello I had a few letters from bw legal saying I had until 6th August to resolve outstanding parking pcn charges before court action, I've been away for a few days and phoned them today to sort it (defend) and they said they have already issued court proceedings on 2nd August! Ten mins later I've received court claim papers. The amount they are claiming is £1950 for 19 alleged offences. There is no way I've parked on their car park and not paid 19 times and I've not had loads of letters either. Some dates go back to 2013 Is it too late to defend this now?
  16. Hi everyone. I am a newbie to CAG. So I need to read through everything first before I know where to post, but in the meantime, can someone tell me if 1st Stop is a legitimate Loan Company?
  17. Hello there. I have been served an N1 claim form from a dodgy builder I sacked for substandard work. The Statement of truth has been filled in by an unknown party ( Name printed and signed) but they have not stated who they are. They are NOT the claimants solicitor as he doesn't have one. Neither Claimant ,Litigation friend or Legal representative has been selected from the options and neither has the name of firm or position held . It seems clear to me that the statement of truth is not binding and the form should not have proceeded through the court system with this
  18. Hello all, I apologise for what I can see is yet another post regarding these people. I am hoping someone can help me in this matter, I write on behalf of my son. A long story short..... Here goes. October 2015 my sons friend rang and offered him a complimentary membership to the local exercise4less gym. A brief chat and five minutes later my son comes in the room looking puzzled. He asks me.. Mum, why on earth did i give them my card details? I reply, you don't if its complimentary, basically Son I think you've been signed up for a paying membership. He rings his
  19. 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
  20. My name is James and I just thought that I would say hello to everyone and wish you all a very Merry Christmas. Just to give you some background into who I am; at present I am actually a complaint handler for a company that sold PPI policies and prior to this I was a Motor Insurance claims handler (before the dreaded redundancy came along). If I can, I will try and help anyone that has a problem with the 2 things that I am fairly knowledgeable in. Just contact me or point me to a thread and I will see what I can do to help (not making any promises though) Nice to be here, J
  21. Hi everyone, I'm new to the forum having been recommended by a mate - I have several outstanding debts dating back to pre-2007 and have been in a DMP since 2008/9 paying £100 a month that is distributed to ten different DCAs. I have recently lost my job and in my 60s... I need to know how I can clear these debts as it is affecting my health and preventing me from getting a new job - because of the industry I work in. I have a very small pension and no other income so am now struggling to even pay the £100 per month. The debts are totalling roughly £40k and I am now at my wits
  22. I currently have two complaints with the FOS, both have been upheld and we're at the arguing about redress stage. On both I have asked for bank charges, etc to be returned if they were incurred as a result of being without the PPI monies. I should add the bank charges could be a significant amount. On the first loan ppi, the adjudicator found against me, that the bank's offer of ppi repayments plus 8% interest was fair. I have appealed this decision to the ombudsman proper. They state that the all charges on the LOAN account have been returned, whereas I arg
  23. Evening all I would like some advice on 2 debt's i have listed on my credit report,both are a couple of years old. One is with santander for around £1500 The other is with link financial (was a barclaycard) for nearly £7000. I dont hear from santander as i dont think they have my current address! and link financial only contact me by e-mail asking me to call them urgently. I would like to get rid of these debts and wondered what the best solution is?? have read about asking for credit agreements,is this something i should do? or am i better off offering a settlement f
  24. Hi there in need of some advice I started working for an aerial & satellite company I was totally mis-sold the job at a open day reluctantly I got offered a trainee role I was a bit in two minds as I had no experience in the field so I went along to my induction (if you can call it that) upon arrival I was greeted with chaos and the pa wasn't even ready so upon dumping piles of paperwork in front of me nothing was explainec apart from sign this sign that, I did skip read most things but she seemed to not know how to explain things clear anyway my health and safety training was to sit in
  25. Hello I have may times previously read posts from this forum but never felt I had any authority, experience or knowledge to write and place a post before now. It has taken me a while to rebuild my confidence, self esteem and self worth after one of the most stressful periods of my life. As a very proud, hard working person throughout the times of my troubles I did not ever seek help until it became a necessity legally and neither did I claim from the state or share my problems with my family. I am only telling you this so you can understand the type of person I am and whether
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