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  1. My partner parked at a NPS (northern Parking Services) car park a few weeks back and the machine was not working. She could not pay for her parking. Today we got a ticket in the post. They have camera's there and must have automatically sent a ticket out. What are my options? Do I have to pay it?
  2. Hi all, I am not the first to post on this issue but I wanted to get some advice about the appalling mess that Sallie Mae UK created when it went bust. They were a subsidiary of the American private loan company and they briefly funded postgraduate education in the UK for a year or two. I foolishly borrowed money in 2006-7. They folded and the debt was passed on to various companies: Eagle Consulting, Total Credit Financial Services and most recently, Capquest who I believe are a debt collection company. There has been the odd complicated statement with huge
  3. Hi ..Just been reading this thread...and it's almost a mirror image to my nightmare. http://www.consumeractiongroup.co.uk/forum/showthread.php?370805-Lombard-Direct-Arden-Credit-Management-Query-PPI-reclaim-now&p=4062117#post4062117 The same players as well ..LOMBARD ...THEN IDEM ..THEN ARDEN CREDIT.... .Who are really turning up the gas on me constantly reviewing my payments to them every few months and constantly pressurizing me . I had the original loan with Lombard taken out september 2000. for £13,300 & PPI upfront payment of £2431.87 .plus total charge f
  4. I posted this on the banana site but haven't had any response so was wondering if you could help. I've just copied and pasted what I put on their site below. I think I may have missed some of your standard questions so will have a look and try and answer anything I've missed below. If any of you could help I could really use it. I've got a bit of a different one here I could do with some help with. I've seen the forum and have a general idea of what I should be doing but could do with some guidance. Details below: Received a claim? Yes Issue Date: 30 Jan 2019
  5. Good evening all, I've done a bit of research trying to close accounts which led me to requesting CCA's to Cabot. I sent two for two different accounts which they took off Halifax (1 x CC & 1 x Current Acc Overdraft). I posted the following to them: Dear Sir/Madam Account No: With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the a
  6. Hello all. My wife has been receiving texts from TSB telling her that she is overdrawn and detailing the amounts spent and where for over two months now.....but she doesn't have an account with them. She has phones them three times to complain that she has been worried over this, thinking that she may have had an account with them that she had forgotten about, etc. TSB say that 'someone must have put your phone number in their details' but haven't actually done anything about it yet. Please can I ask what she should do about this?
  7. Hi i bought a very expensive watch from an online retailer couple of months ago and paid for it using V12 retails finance. 1 The watch was dispatched by them on the 19th of October 2018 however I received it after a failed delivery attempt on 24th October 2018. 2 After receiving the the watch I went on holiday for a few weeks and left the watch behind, I think it is at this point the watch stopped working or immediately before I came back. 3 On the 21st of November 2018 I notified the retailer that the product has become fault as its stopped working. 4 They advised me that
  8. we have always had pre-payment meters as they are easier to run being on a low income a year or so ago, could be longer, we had an eon smart meter put in for the electric, at the time we had the old style key that you had to take to a shop to top up, the key goes back into the meter and that tops it up so a smart meter was in, and we could "top up" online, pretty good. around two weeks ago the smart meter was just showing "000s" everywhere, for the time, and all readings over the last couple of months the eon website was really terrible to use too, payments were being ma
  9. Hello, I employed a builder to do a loft conversion, and renovate my house which I had just bought. He quoted £72,000 to do the work including all electrics, plumbing, plastering etc. The quote was itemised and he visited the property twice and priced up materials etc before emailing it to me. He said that the work would be completed by the end of last summer. He requested an initial payment for materials into his wife's bank account quite a while before any work was done. When he started he told me that he didn't have a lot of money and that I would need to give him money for materials w
  10. Hi all. I’m looking for some advice. I recently opened up a noodle account and noticed that a TSB account of some sort had been opened in my name. I think it was a loan as there have been monthly payments and now has a balance of £0. I know I should have checked sooner but in the past we used ones like Experian mainly for our credit score. Here are more details anyhow. The account was opened approx 3 years after we left the address it is registered at in 2014. There have been regular payments into the account/loan and everything other than it being false, seems
  11. Hi Newbie here and I am hoping you guys can point me in the right direction. I've been lurking on here for a few days trying to find out various tips and information regarding my problem. I got into trouble after loosing my job in 2009. I had a lot of debt and couldn't make payments anymore. Entered into an iva in late 2010, made about 5 payments and then lost my new job and had to cancel the iva. I just cancelled my direct debit to the iva and never got in contact with them again. They eventually officially cancelled my iva in spring 2013 and started to get letters from various
  12. I called up the payment line to claim back my surety fee today after my vehicle had been clamped by the NSL on behalf of the DVLA for no tax. I was told I had until yesterday to claim it back. It was stated in the leaflet i was given that i had 15 days to claim. Today is the 15th day, but the payment centre said yesterday was the 15th day. I had my car clamped on Tuesday 29 January. Today is Wednesday 13 February which is exactly 15 days after my vehicle was clamped. I am awfully distressed about this as i desperately need the refund. What can i do? Where can i take thi
  13. The father of my 2 children has not made any payments for nearly a year, every time I call the Child maintenance line they seem to say something i different. He earns good money and not only that now has another child with his new partner. He does not see his children (my children) and hasn't for nearly 3 years (rather horrible reasons I wont go into) . When I spoke to child maintenance team last year they said its with the enforcement team (as he now owes £2500), just now they said its with the team to be processed but they are very busy and dealing with it in a queing system. Ive told
  14. I have been issued with a a PCN for parking at a local council NCP CAR PARK. I have been photographed leaving the parking site without paying for a valid parking ticket. I DO have a parking ticket for the time of parking but it does not display my vehicle reg number, I could not remember my reg number when I got the ticket,couldnt be bothered to walk all the way back to car, so just entered a series of 1111111 in order to obtain the ticket. I have appealed the charge but am expecting in to be rejected, because thats what they do. what will happen if I refuse to pay up.
  15. Hi, I have received a letter from Lantern requesting payment for loans I took out years ago. The loans do not appear on my credit file and have not been on my credit file for at least the last two to three years. I think I defaulted on most of them six years ago that's why they are not on my credit record. Lantern have called me on my work mobile number once recently, ( within the last two weeks) and I refused to answer security questions because I was not sure who I was speaking to. But they did say they where formerly MMF. I do not wish to engage with Lantern, what s
  16. My employer offers employees a payment if someone applies to work for the company on their recommendation, and the person they referred to the company stays with the company for a qualifying period. A colleague referred two people, and with each of those referrals she was told that the person applying hadn't put her details on their application form, which is a requirement to claim the reward. She knows as a fact that that's incorrect, because she witnessed the second referred person putting her details on their application form. I recently referred a friend, who accepted a position
  17. I had an order of £300 that was not delivered and was issued a refund to PayPal, the item and the delivery charge. Since then, the order has been changed from not delivered to delivered. They are now charging me for the product even though it was not delivered. I have been getting texts on my phone telling me that payments are due but I'm a bit confused as to why this is happening if I was issued a refund earlier. I have not paid anything as of now. What I'm asking is how would I get this cleared up without having to pay anything and are they even allowed to charge me aft
  18. Hi folks, Yes bizarre, yet. I saw a job ad saying company is looking for a hospitality staff. Female preferred. I have all the experience they want and reference. No reply what so ever. The ad was posted on a website where companies people don't have to auth themselves. I did send my CV and cover letter to their official email as per their website. No reply. If it was someone prank they would of replied by now? I am thinking to bring this case to an employment tribunal. Copy of the ad exist in Google cache and some online archive sites. They also posted similar ad on another emp
  19. I rented out a property in 2017 for 12 months to a lady who had sold her house. Due to a poor credit rating she paid 12 month upfront. It quickly became apparent that she had sold her house to then expect housing benefit to cover the rental at the end of the contract. I served her all the correct paperwork telling her she would have to vacate at the end of the tenancy. She refuses to leave, she is not eligible to the amount of housing benefit to cover the rental. The housing benefit she is receiving she is keeping it herself so is in arrears. Last week we were in Court fo
  20. Hi All, just peace of mind really, since i'm not sure about it. back in the day 3 years ago. I had a mortgage which started off with Future mortgages, but the after the 2008 crisis became engage credit. eventually I sold the property at the end of 2015 - ad paid off all of the Mortgage. looking at the paper work I can't seen any PPI on it of any kind. Even when it was moved over to Engage Credit. Any Though as how I could verify if Any PPI was on my Mortgage Account? Cheers Red
  21. i started over a year ago with the company and i was told not entitled to holiday pay as casual and 0 hours, so got not holiday pay at all, recently had someone i know who use to work at a union and they asked about my job and i told them everything and they said no you're entitled to holiday pay they showed me how to work it out and turns out I'm owed £300, told my manager who informed wages, had half my payment. rest next week. But I'm wondering if i can get last years holiday pay owed to me as it works out at £100 owed? also When I started a few days later i received
  22. nhs contracts? Hi all, i am now working in the nhs as part of the theatre department and in doing so signed the usual contract agreeing to working on calls, late shifts and weekends etc, the problem is that some staff are not taking part in this arrangement because of various reasons ( my cats scared of the dark or little johnny wets the bed) sanctioned by the managers and therefore the remaining staff are having to work extra shifts to compensate. My question is, are we all being treated equally and do we have any basis for taking action against the management. Any h
  23. 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
  24. I worked for TK Maxx and was sacked due to an incident where a customer had come to my till with a jacket priced £39.99 and I had scanned the item and inputted into the system that the customer paid me when he did not (Honestly don't know, I was in a world of my own). Upon seeing a receipt come out of the register I become even more confused as I start to question why a receipt has come out and whether or not the customer had paid me for the jacket, but given the fact that the receipt had come out (I just take that as a sign that he must have paid me) along with
  25. Hello Everyone, I am new to this forum so feel free to keep me right. I feel a little bent out of shape after my dealings with an online UK company that offers harnesses for dogs: You can find them at the web address fleece dog harnesses uk Here is the initial email I sent the woman: Message Body: Hello, I have had a challenging time trying to track down a harness for our 1 year old irish water spaniel. I have tried maybe 8/9 different models! She is still a puppy at 1- being a large breed. Irish water spaniels are slow to mature. She weighs 27kg of pure muscl
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