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Found 33 results

  1. Wonder if you can help, as received a letter from a creditor saying I had not responded to a claim form served on me and the creditor is now applying for default judgement. I know nothing about this, i will call the court at 9am - but reading around i can see i have to complete a N244 form and pay £255? is this correct as can't afford this?
  2. Wondering if one of the experienced users on here can help here with this one? Yesterday afternoon I found my car clamped by Marstons Bailiffs - no paperwork whatsoever only a scribble and phone number so I phoned them to find out that apparently I failed to pay the congestion charge in November last year but know nothing about it as they send all paperwork to a previous address even though I updated my address with the DVLA in 2017!!! Then the bailiff stopped answering any of calls when I tried to ask her about PCN information etc and the TEC phonelines were not being answered yesterday so in a panic I phoned TfL got my PCN details, filled out the PE2/PE3 forms and headed into central London to the local magistrates court to get it signed for £25 (yes I now realise I could have gone to county court and got it for free but never mind)- was in major panic as bailiff was threatening to tow car in 2 hours- filed everything with TEC at yesterday and just had confirmation of filing today. So now TfL have it the question is how long will it take to halt recovery and will they remove the clamp? Also who can I phone for advice? TfL say they have not received the filing from tec yet and the bailiffs wont answer my calls. I need the car as I am the named driver for my disabled father who needs to be taken back and forth to hospital. This has caused me an undue amount of distress and i genuinely dont feel i have done anything wrong - had I known id have to pay a congestion charge on the day in question i would have done. as it happens i have no recollection of that day whatsoever was it was a year ago and i have no access to any paperwork (bailiff has refused to give me anything ive asked for).
  3. My elderly mum 76 was very ill so I made an emergency GP appointment for my mother. I suspected she had pneumonia she was finding it difficult to breath, had immense aches and pains she was vomiting throughout the day. She was unable to stand up herself and was on the verge on collapsing. She had visibly got worse and worse as the day professed. Me and my brother struggled to get our mother into the car to get to the GP. My mother was in immense pain it was terrible. She was made to wait in the GP's waiting area for at least 20mins in great pain and her lungs were tightening up and restricted her breathing (no body from the GP's office took any notice of the state my mum was in). We were repeatedly told 'your will be next soon'...we struggled to get our mother to get up off her chair she had to be supported by me and my brother on each side getting her out of the house and into the car and from the GP car park inside the surgery. Eventually it was our turn and me and my brother held our elderly mother on each side and struggled to gather off the chair and to walk the distance along the corridor into the GP's room. Once inside the GP room.. .the GP just looked with a blank expression at my mum. ..my mother was struggling to breath and tell him she was struggling to breath and had a terrible burning sensation in her chest and terrible pain in her head as well as chest. Then GP checked my mums temp and heart rate and said my mums heart rate was a little high. The GP told my mum 'I'll give you antibiotics and go home and rest you should be ok.. .the antibiotics will take 24hrs to start working and if she gets worse you can call the ambulance' I turned around and said I think my mums got pnemonia and he said 'what makes you say that?'. ..I replied 'She's 76 she's been coughing for last 4 weeks but today she is on verge of collapsing finding it hard to breath..' then the DR used the stethoscope to check my mums lung and said 'She's got Pneumonia in the right lung' 'I suggest she goes home takes her antibiotics and rests'...I replied 'no I want her to go to hospital look at her state...' The GP gave us a letter and told us to go to the hospital with the letter to the 'Medical Assessment Unit 4'.. . I asked the GP can you please call the ambulance the GP turned around and said to me 'the ambulance I just like a taxi all they will do is take her to the hospital...you can take her in your car' I was left gobsmacked at his response...we struggled to get our mum out of the surgery not the car. At the hospital I went to main reception whilst the car was parked outside the main reception to the reception. There were 4 porters sat behind reception and I asked 'I need a wheel chair fort elderly mum, she's got pneumonia' The porter turned around (with 3 other porters sat around him) and told me 'go find the wheelchair yourself we have to do the same as you and look for a wheel chair. ..go find one somewhere in the hospital' I replied 'its your job to find a wheelchair, there's 4 of you sat in reception your porters' he looked at me and then instructed one if the porters to find a wheel chair. I needed the wheel chair to get my mum into the hospital from the car park. I turned around and saw my brother bringing in my mum into the reception, just as the porter was bro moving the wheel chair' We then went to the medical assessment 4 gave paperwork to a girl behind the counter who to is to wait in the ward on a chair instead of a bed. As 'no beds were available' we waited close to 2hrs my mum was in agony day on the chair. I went back to medical unit assessment reception told them my mums in agony with pneumonia she needs a bed asap. I was told again to wait. I saw a consultant walking towards me and told him 'my mums 76 she needs a bed asap'. He replied 'I'll go speak to someone for you' Eventually a health care worker came over snd said 'your GP sent you to the wrong ward. ..he should have sent you to ward 3 which is for elderly people'. I told my superior to send your mum to A&E and she over rode my decision, we are sending your mum to another ward and will find a bed for her' She got a wheelchair and took my mum to the other ward. ..where she was eventually a consultant came examined her too her blood pressure, heart rate and bloods and examined her chest. ..she said your mums got pneumonia I'll get her onto a bed asap. Eventually my mum was placed on the bed still in agony with her burning chest and difficulty in breathing, later she was placed on a drip for fluids as she look pale and very dehydrated. The next day I was told they had also given her antibiotics and the oxygen mask to loosen her lungs. I was told the bloods would be sent and looked at and a chest X-ray would be done the same night to determine what damaged if any happened to the lungs etc and the course of treatment. The next day I rang the hospital to enquire about my ma and was told 'she has a virul infection' when I got to the hospital the healthcare nurse dealing with my mum said 'it's not pneumonia but a viral infection.. .' I replied 'Our GP confirmed it as pneumonia' She replied 'it's a viral infection like people get it's common...' She said said we are waiting for her xrays which have been taken this morning (I was told the xrays would be taken last night!) She tells me 'your mums asking to go home, she's been walking independent...she'll be home today' I went to my mum and told her this is what the nurse is saying my mom said 'I never said I want to go home, why they sending me home I'm in agony. The nurse helped me get out of bed and helped me to the toilet' This healthcare worker kept denying my mum had pneumonia and it was just s viral infection. The way she came across was that she wanted my mom of of bed even though she was unconscious and in pain on the bed with pneumonia. They put the oxygen mask on her face again. Later in the evening I went back and the same healthcare nurse told me 'she's going home she had no pneumonia she's needs rest and to take her medicine at home. We asked for a wheel chair as my mom was not strong enough to walk ...the ward had become empty of healthcare workers who had disappeared too I asked a consultant who was passing through we need a wheelchair as my mum is being discharged. He rang the porters downstairs to ask for a wheel chair to be brought up. We waited 20 mins and nothing do I faked a nurse on the ward I need a wheelchair, she told me 'go to reception and find one yourself' I waited close to 30 mins and nothing do I faked another nurse who asked another nurse. My mom was sat on the bed still in agony. .. I went down to reception and the told the guy at reception 'I've been waiting for a wheelchair for over 40 mins'. He just looks at me and goes 'there's one behind you use that' I took the wheelchair to the ward gotynmum into it and took her home, The discharge letter confirms my mum has 'community related pneumonia' and the xrays showed some damaged or cackles in the lungs etc - complete opposite to what the healthcare assistant who was keen on my mum to leave kept sAying 'it's just a viral infection' My mum is 76 with pneumonia she's been sent home with medicines and antibiotics. She's ill and should never have been sent home until the pneumonia was cleared. What can I do to get justice with the horrendous way my mum has been treated and what action against the GP can I take and against the hospital? My mums health is important and I want justice even if it means taking the legal route and going to solicitors who deal in medical cases like these? Now everyone on the household is ill and coughing - my elderly father is coughing very badly and wheezing sometimes. The hospital and GP are to blame, why was my mum discharged if she at 76 still has pneumonia?
  4. I bought a rug from modern rugs last week. It arrived yesterday and while the pattern is the same, the colour of the rug is different. I have looked at their returns policy and they say they will refund the money if we send the rug back within 2 weeks at our own expense. It is a 116 x 170 rug and will be expensive to send back and as they sent a product that was not as advertised I do not feel I should have to pay the return costs. Does anyone know what rights I may have buying something online that does not match the pictures in the online shop?
  5. Hi, I'm hoping for advice, please: We're going for a mortgage. I've just done an Experian search and discovered a problem, namely a CCJ issued on 03/08/17 at Northampton County Court. They say it was from Lowell whom have a solicitor called Cohen/Cramer. I know absolutely nothing whatsoever of this CCJ. I've tried endlessly all morning to speak to the CCBS but the phone just never gets answered. I assume they're tremendously busy. I would very much appreciate help/advice/guidance please. I have a case number off the £4 Government advice website thing, that tells me absolutely sod all that Experian didn't, but they were free. Idiocy. Number I'm calling is 0300 123 1056. The reason I know it's Lowell is I rang an 01604 number which turned out to be the Court but for Northampton residents only and the helpful guy there looked at his computer and said that was whom it was from, but he knows nothing else and to call the useless, pointless, inane, time wasting, and costly to me, business centre number. The Experian entry says, incidentally, that the CCJ was at my current/correct address...
  6. Hi all, First time here so please let me know if anything in this post should be changed. Backstory: I was in Bulgaria on business in June/July and had no knowledge of my PCN before leaving (turns out my mate moved my car out of his drive into the parking area for a couple hours where I received this PCN). Upon arriving home I find two letters, one being a final reminder sent mid June by VCS and then a debt collection notice sent by ZZPS in mid July. As I was out of the country and couldn't access my mail, I had no idea any of this was happening in my absence and had no chance to appeal the ticket in the allotted 28 days. The ticket was for £100, to be reduced to £60 if paid within two weeks and is now at £160 due to the debt collection agency add on. I haven't received any other letters regarding this claim. What I've tried: I have tried to go through the various appeals process, but when searching my ticket ref on the provided websites (namely myparkingcharge.co.uk as noted at the bottom of the VCS letter and the IPC website itself) it comes back with nothing, meaning that I couldn't have appealed it regardless. I even tried POPLA, and they can't find the ticket either. After contacting an ombudsman, they suggested to complain through the companies. VCS said that it was to go through ZZPS as they now were in charge of the debt , ZZPS replied as follows: "We must inform you that you have now passed the time frame in which an appeal can be made as appeals can only be made within 28 days of the Parking Charge Notice being issued, our client maintains that all correspondence received has been actioned accordingly and that the correct procedure has been followed. The balance of £160.00 remains payable on our systems, please refer to the back of our letter for the payment options available to you. In the absence of payment this matter will be referred to solicitors to resolve and further fees may be incurred." What do I do? If none of the appeals agencies even agree that the reference number matches any ticket, has a ticket even been issued against me? The collectors are refusing to provide evidence. I am not exactly inclined to pay this "debt" until the relevant parties prove their claim. Any advice would be appreciated as I feel like I'm about to get strong armed out of £160 Attached are the letters received, along with the website response when I search the reference. Personal info along with refs blacked out for obvious reasons.
  7. My Dad got work done at his house where I live 4 years ago. The electrician didn't do something he asked for so he cut of £500 from a £20,000 bill. Today I get a update from Experian that I have a CCJ under my name issued yesterday. Having spoken to the court it turns out that the Electrican issued a CCJ at our old address where we moved from 4 years back. I never got any of the letters or did I get any intimation from the court AND I am not a part of this at all. I only live at my dad's house and the claim should be between these two. I have nothing to do with the bills for the building of my dad's house. My Credit score just dropped from a 5/5 to a 1/5 for something I am not involved in or knew anything about. Spoke with the court who have suggested I pay £150 and do a application to set aside the judgement. Also spoke with Experian who say they will put this down as fraud as it has nothing to do with me but they will need to investigate and can't guarantee that this will clear my record. Also the claim is issued under a misspelt surname. Does that make any difference? What should I do????? Some guidance would be highly appreciated. I have worked hard to keep my Credit history good and one wrong swipe has just ruined it.
  8. Hello everyone, I am new to this group. I received a letter from Opos (a DCA) back in November 2016, saying I owe money to an energy company for an unpaid energy bill. I replied saying that I did not know their client and the debt was not mine. I asked them to send me copies of the unpaid bill(s). I received a new letter from Opos last month, containing a settlement offer. Again, I replied stating that I did not know their client, nor had I ever received any services from them, and the debt was not mine. I used a template similar to the one shown under "You know nothing of the Debt / Prove It" in the CAG Library in the Debt Collection folder. I have now received a "Final demand" letter from Opos. Again, there is no acknowledgement of my two replies to their previous letters. Any advice would be greatly appreciated, thank you.
  9. Long story short I bought a car on finance had it for three months and life changed enough that I missed the next payment and would miss further payments. I agreed to them having the car back. the repo men turned up we had a cuppa and they went with the car no bad feeling. Due to family circumstances I moved house very quickly to another town to a farm yard hard to find. I stopped paying into a pension and months later thought they were still taking it to find out it was an ATE £100 they have taken me to court for payment including interest - almost £10,000 for nothing:-x Now my stupid bit: This has been going on for over four years (i have had depression etc and could not fight my way out a wet paper bag) I have called the court for an appeal but I had to do it within 21 days I wonder if I have any way out of this . .. i feel £10,000 for nothing is very unjust Looking forward to some replys ... I already know how stupid this seems:???:
  10. For the full story : - http://www.mirror.co.uk/money/thief-your-pocket-millions-paying-8455571
  11. Hi I apologise in advance if I do anything wrong. I have never posted or written a post before. On the 13th April 2016 shopping with my children, I used a Natwest Cash machine to withdraw money. I checked the receipt as I was paid a redundancy payment and was due to pay the majority for a deposit on a new property I was in the process of purchasing. I had been very careful not to spend much money as the deposit was due on the Friday. I was horrified when I looked at the receipt, the balance available was almost £6000 lower than it should of been. I immediately returned home and called the bank. I discussed my query with a Customer Service Advisor then onto the Fraud Department, Online Bankng and Complaints. I spent over two hours passed around. The fraud team told me a refund would be in my bank within 5 days, Online Banking Fraud team informed me that they had identified that someone had been trying to log into my account from an unknown device several times over the previous 48 hours and also confirmed that my money would be refunded as it was clear I was a victim of fraud. After speaking the various departments over the phone I still felt really concerned and distressed as I didn't feel confident that my money would be refunded in time to pay the deposit and this would result in losing a house I had my heart set on. The information from all the Natwest Staff was inconsistent and now I realise it was also inaccurate. I decided to go into my local Branch and speak to the Manager as I had been advised that the bank should of refunded the £6000 immediately whilst they investigate. I sat with the Branch Manger and explained my situation, The Branch Manager seemed very understanding spent over an hour ringing various departments, looking at my account and trying to find out why the bank had told me a refund would take 5 days and not an immediate refund. I was so upset and distressed as I had taken redundancy from my previous employer and this was to secure the purchase of my first home for my family and I felt that this was not going to be refunded in time and not one of the advisors seemed to care. The Branch Manager had experienced poor customer service herself from the various departments. Eventually the Branch Manager informed me that I had not been refunded as the transactions were still pending and that these had to clear before a refund could be issued. The manager did inform me that the transactions were to a company abroad and it was evident that I had been a victim of fraud. The Manager offered to put a temporary credit in my account but could not cover the full amount for the deposit. I was given a letter from the Branch Manager sympathising with my situation, confirming that I had been a victim of fraud and CLEARLY stating that £6000 would be refunded into my account in 5 days time. I declined the offer of a temp credit and I advised that I would request an extension for my deposit as I could use the letter to prove that I would have the money in 5 days and that I had been a victim of fraud. I went to the solicitor and provided the letter as proof and an extension was agreed among the parties involved as my Solicitor had confirmed that he had seen an official letter. I waited the 5 days and checked my account and no refund, I left it till the following day and rang the bank to query why the money was not in my bank. I spoke to a rude, arrogant man who abruptly stated 'your not having a refund' I was mortified and just assumed he had made a mistake. He told me the bank had made a decision not to refund, a letter was in the post and that my account was going to be closed. I was so upset and informed him that the Branch Manager had confirmed the refund, the advisors I had spoken to has also told me a refund would be paid in 5 days. The advisors words to me where 'the letter means nothing you may as well put it in the bin' He went on to tell me that a Branch Manager has no authority to make this decision and only the fraud team could make these decisions. I was under the assumption that a Branch Manager was a person of authority and was someone who could deal with issues such as mine. I told him that the letter was an official letter and that my Solicitor had accepted it as evidence for an extension on the sale of my new home. 'put it in the bin' I had worked myself into such a state crying and totally powerless. I couldn't believe it. From there on I have contacted the complaints team, made a formal complaint, a spokesman said wrote an article about my situation and also contacted the bank on my behalf but still no refund. I have complained to the CEO and the Executive Team Manger responded and advised one of his team would be looking into my case. I rang the Exec Manager and discussed my issue. He appeared to be really sympathetic and genuinely sounded as if he knew it was the Banks mistake. I felt optimistic but within a few days I received a final response letter from the exec team identical to the response from the Complaints team and advising that the decision would not be overturned and they agreed with the Complaint Handler. I had sent a response picking out all the mistakes they had made. They had identified transactions made several months prior that appeared to be a similar merchant. The amount was completely different and nowhere near the large amounts that had been made during this fraud. I had been in hospital with Sepsis for 10 weeks throughout Novemeber and all through Christimas and it was not until I returned home I recognised unauthorised transactions on my account. I queried these but did not request a refund as I had concerns that a 17 year old male I had fostered for a year may have been involved. I could not prove this so felt very restricted to confronting him. I also did not want to involve the Police as it might have had nothing to do with him. I explained this to the Complaints Handler and also informed her that I had not asked for the previous 'fraud concerns' to be refunded. I had queried it as fraud but when the transaction details were provided I left it as that. This had no similarities to the transactions made on this occasion the current fraud was £6000 over 24 hour period. The complaint team response clearly states that 'I had been either involved in authorising the transactions or had been careless with my details' They refused to provide any evidence or details of how they made this decision and told me they were not required to as it was part of the NatWest fraud , security AND INVESTIGATION procedures which they did not have to disclose. As explained their decision was clearly due to other transactions on my account, not identical and in the complaint response the information was incorrect. It was evident that this was what the handler had based her assumption on. The letter then stated that the Branch Manager had acted in good faith when writing the letter and this was written based on information I had provided. I almost choked. Are you being serious. If I went into a branch and told the Manager I had just won a million would she write a letter and confirm this information? NO. The Branch Manager is paid to make responsible and accurate decisions and as a senior member of staff are we really supposed to believe they would provide confirmation of a refund simply because a customer says so. The complaint letter provided no evidence to back up this statement but is clearly stating that I am lying and the Managers word is what they accept as true. There was no other information in the complaint response and the points I had made in my complaint had not been addressed such as the FCA principles and the lending standards board guidelines they had failed to adhere to. All Ignored and the excuse they provided for not being able to provide any factual evidence or hard copies of anything related was due to the fraud and security processes they could not breech this and these processes could not be discussed with customers. I feel I have exhausted all avenues with the Bank and the Bank has won. They are just refusing with no proof, not even a reason but I feel powerless. I contacted the FSA who advised that the bank had not followed various principles and guidelines and that I should take this to the Ombudsman. I am aware that the Ombudsman is a length process and from the information I have read on your site and several others the ombudsman seem to side with the Banks and are not required to follow the FSA guidelines. I had considered just going to the Small Claims Court. To be honest it is not as important to me now, I have lost the house I had been in the process of purchasing and as the Branch Managers Letter appeared sincere and I trusted the Banks Branch Manager I went ahead with land searches and now solicitors fees I have paid and all for nothing. I am angry upset and feeling really low at the moment. I have lost money and the house and feel devastated that over half of the money I received as redundancy has just been stolen and there is nothing I can do, Its heart breaking. If anyone has any advice or ideas that they think may help I would be very grateful as at the moment I have given up.
  12. Had a claim upheld with LLoyds for PPI paid. I had, years ago, claimed on the policy and I knew that this would be taken off any redress but is it right they can charge you interest too? Claim paid out was for £8900 and the interest they have charged is £4400 on that! The claim would have come to nearly £11,000 so would have been some back if they hadn't charged all this interest!
  13. Need some advice here as I have ran out of ideas. I am 11 months into a 24 month contract with O2, About 2 months ago my signal at home has gone from being average to non existent. I let this run for about a month until I contacted O2, the time I contacted O2 they happened to be doing work in my area, I explained this has been an on going thing not a 1 day event, they wouldn't listen and put it down to this work being done. I contacted them several times over a week and got the same reply. I then contacted the CEO, they called me straight away in fairness and said the same thing. A few days later O2 send me a text saying work has been completed but I still had no signal I contacted the CEO again who said wait another 24hrs, so I did and still no signal so I contacted them again and they avoided me and its been like that since. I lodged an official complaint and got an auto responder saying they would respond within 7 days, 7 days came and went no reply. I contacted customer services rather ****ed off at this stage, they transferred it to level 2 technical support who told me they would do an investigation and get back to me, of course they didn't so I contacted them again, they completed their investigation and told me I am in an area with very poor to no coverage, they told me there was nothing else they could do to help so sent me back to customer services to discuss my contract options, customer services said basically tough, signal is not guaranteed. I lodged another complaint 7 days came and went no reply, contacted the CEO again and no reply so that's where I'm at now being avoided with no signal. What do I do next?
  14. Hello I might share a water supply pipe that enters my house, with a neighbour. I live in Wales. I say might as there is no branch pipe to their house in my cellar, so the branch off would have to be under my dining room. their house unlike most in the street, has no external stopvalve in the pavement, and there is no water supply pipe in their cellar [ a tenant of the house and i investigated] my deeds do not show that we have a shared water supply pipe. i have asked the landlord and the water company to determine if they have their own supply pipe, and if they do not to make arrangement. the landlord has not replied. i first alerted them to the shared-pipe possibility in late spring 2015. i intend to replace my water pipes, and for it to feed only my house [if we are indeed on a shared pipe]. the water company is trying to avoid giving the neighbour a new supply, and is giving me laughable guff that the neighbours water supply is my responsibility lololol [ive never heard such nonsense] --- my question/s: 1. i have read that, if the shared supply is not mentioned on my deeds, that i have no legal duty to supply the neighbour with water thru my pipes. i need to quote the statute, or regulation number. what is this please? 2. when i replace my pipe and feed only my house. can the water company get a court order to force me to reattach the old water supply pipe? 3. more generally, how should i proceed thanks Jon
  15. hi dear all i read tones of posts over hire about the gym problems and all is brilliant thx for help all of you first of all. but i need a simple info /sample of letter/ or info what i should send to them ( gym / crs ) as i not the first one over hire with this problem i make my story short . i joined golds gym on harrow last january 2014, ( btw, if any one can tell which gym we talking about in other golds gym post will be nice ) and i been using this gym for 4-5 monte, then because i was living London and i move to sundown area witch is far away from gym ( 1 HR drive ) at least , i decided to canceled the gym. on reception desk i told the lady i like to cancel my membership, i was told i can't do this until minimum 12 monte contract expired .ok, lady on reception desk told me she will put a note on my profile after last payment in january 2015 my membership will be closed and i don't have to come back with anything ( formal cancelation letter etc. ) so , after january 2015 february exactly i canceled my DD for this gym this means i was pay for gym for whole 12 month and 1 extra mont february as i should . btw. 10 years ago i done exactly same thing with golds gym on hanwell and all was fine . and there story is started, last saturday ( 01.08.2015) i received a letter from CRS as i own the gym and CRS 403.20 where ( as a result of this our fees totalling 133.20 been added ) so that means i own the gym 270 and 133.20 to CRS ( i think anyway ) as unexperienced person in that cases i called them up ( crs) this was pointless, i also called the gym ,pointless to, i spoke with citizen advice biro, they told me the best option is to talk to gym. ( pointless ). what to do next ? as above i need info about letters i should sent, breakdowns of this amount ? BTW. i moved from London last august , how they know my new address ? also what is important , when i joined the gym i fill up the form with address , email, tel.nb. they didn't contact me in any of the above apart twice a week about promotions by text massage, they i my opinion try at least contact me if they had any problem ? no ? and also if any one ask me how i know they didn't send me any letters , friend of mine live in my prevues address and all letters to me she keep .and i pick them up from time to time . sorry for very haotic description of that case , i am just pist .... on all this and i don't even know what to ask. hope someone help me with this. if anyone have any questions or any thing is not clear enough please ask . thx a lot up front.
  16. It started with a letter from Restons the other day saying they wanted payment of under £1000 for a debt which I believe to be statue barred. The letter said if I didn't pay I would get taken to court for a CCJ and would request monthly payments. If the court does not allow this, the full amount is required forthwith including any accruing interest, fees and costs. If I don't pay by a set date their client may be prepared to accept installments and return the expenditure and income form by the previously mentioned date. They also draw my attention to the fact the client says I can clear the debt at a specially discounted settlement figure and if interested I should call them. Can they offer the discount rate because they purchased it cheap in the same letter as threatening a CCJ? As I said I believe this to be statute barred. I was a full time carer for my mother for over 10 years and several existing student debts fell by the wayside. Something made me sign up to the 30 day free trial with Equifax just now. I see Cabot have stuck a default on my account and say it defaulted in 2010 - I thought it was longer ago than that. It know what it was for - a credit card. Stopped caring and moved in 2012 and became very ill, which I am still suffering now. It seems this big default Cabot put on my credit file in 2011 was defaulted in 2010. I thought this was further back that this. I have had about 4 DCA contact me re this debt since moving here, none of which have even mentioned getting a CCJ which makes me wonder if this IS statute barred? Advice on this would be useful please. Secondly, whilst searching my file I find a CCJ issued in 2013 at my old address by I do not know who????? Advice on this is very much appreciated as I believe it would definately be statute barred. The previous Restons issue was the latest issued credit card I had at that address. Once I could deal with these things but since becoming ill I really need some advice on this please. As it stands I have one CCJ lasting til 2019 at a previous address and one possibly about to be issued. I don't work due to my illness, so they are barking up the wrong tree here. Just as an after thought reading about Cabot - The letter states it is Cabot Financial (UK) Limited v Me and the letter opens: "We are instructed by our client Cabot Financial (Marlin) Limited, appointed by your creditor Cabot Financial (UK) Limited..." The credit card was not with Cabot originally, obviously, but I now see that Cabot have changed their name on my Equifax file to: Credit Card from Cabot Financial (Europe) Ltd (I) Get me up to speed - is this correct or is something going on here that is not quite right?
  17. Hi, Last month I moved house. The person who was moving into my old house had already started changing their address over via their phone provider. When I rang BT I was told that because there was someone already taking over the line they would then treat me as a new customer with a new account. So I carried on with BT and signed up with a new contract etc with BT TV as well. All went fine with the move and the broadband worked straight away. The house doesn't have an external aerial so the BT TV wouldn't be much good to me. Just had my final bill and I am fuming. They are trying to charge me £10 because I finished my previous contract early, £13.50 for BT sport (for June to July) and another £3.50 for the HD package. I have been a loyal BT customer for years. This morning I have been on to their call centre to complain and they are looking into it. When I was talking to customer service he also told me there was a £35 activation charge for the BT TV again this wasn't told to me when I signed up. I am not going to accept any of these charges and only pay for the services I have used. JJ
  18. I purchased a 5 year old car on Friday- which should have had on board Sat Nav. Dealer said Sat Nav was broken, so replaced the radio with franchise CD player. However, on collecting car- now find that although the radio/CD works, there is no Bluetooth hands free, no clock, no steering wheel controls and no code supplied for replacement (bog standard cheap!) radio. The advert stated all of the above but the replacement unit is obviously incompatible with the standard spec radio which gives all the other functions. Taking car back tomorrow, but any advice on how to play this would be appreciated
  19. bought Focus ST from a dealer 2 and a half weeks ago, the dealership was 200 miles away so it was a 400 mile round trip to get the car, the car is on finance. on the way home i thought i could feel a slight vibration, it was late the next day i took it to a tyre garage to get the wheels balanced as i thought that could be what the problem is. i was told all 4 tyres are past it, the car passed an MOT the day before i bought it so i said they cant be.. the garage lifted it back up on the ramps to show me. the 2 front tyres are very bald on the inner edges and all cracked between treads. the rear tyres have plenty of tread but again they are all badly cracked between treads. one of the front tyres also has a slit in the side wall! now, before any one says "didnt you look at the car before you bought it" yes i did, but i was checking things like body work, interior, engine bay etc, i didnt even consider looking at the tyres since the car literally passed an MOT the day before! i instantly emailed the dealership with what i found, they asked me to get pictures for proof and also get a tyre report done, then email that along with pictures to them so they can resolve the issue. i did the above, and this is the reply i got!!! "Hi Stuart, I have spoken with the MOT station that MOT’d your vehicle, I have showed them the photographs you sent, and we have gone through each point on the MOT standards relevant to tyres and they have assured me that the tyres are legal. MOT standards are available online. The other major factor to take into account here is that you took the vehicle for a FREE tyre check. The purpose of these free tyres checks unfortunately are to sell you new tyres. Both ourselves and the MOT station are happy that the tyres are legal and if you feel they need replacing it will be at your own cost. I am sorry this is not the outcome you were hoping for, however this is the very reason we independently MOT every vehicle sold" obviously i wasnt happy with that reply threatened to take it further, but they just ignored me, i contacted trading standards, they told me i have rights etc which i quoted to the dealership, they ignored again. i then decided to get the car checked over to see if any other faults were apparent. there were.. . it has a split inner CV boot, it had a broken boost solenoid valve, and 1 of the tyres also has a screw in it (aswell as been bald and cracked) there is also a slight vibration from a driveshaft (probably slightly worn) again i emailed the dealer, and advised i will be getting VOSA involved as i dont think its even been seen by the MOT tester as it wouldn't of passed! as soon as i threatened with this their reply was "if your really that unhappy, please return the car for a refund" the car is on finance, which for me to get out of now has a higher settlement fee than what the car cost, the dealer is over 200 miles away (400 mile round trip) its already cost me in excess of £200 to collect the car, plus a day off work. I asked them if they are going to re reimburse me of the fees to return the car, and also that with illegal tyers im not prepared to drive it 200 miles on a motorway so they would have to arrange to have it collected. again no reply and they are ignoring me im happy with the car its self, im just unhappy about the faults, and dont see why i should have to fork out over £500 to put it right! what else can i do now? it desperately needs sorting, but im literally getting no where
  20. I was checking my credit report earlier and found a ccj I know nothing about. Judgment date 05/10/2011 Amount £ 288 Court name Northampton I have a court number but it doesn't say who I owe. How do I find more information on this? I do not recognise the amount at all. If its an old debt that I have paid, how do I remove it etc? Any advice would be splendid!
  21. Recieved a letter regarding DWF and a fine to be paid I don't know the name of the person but it's my address What should I do I don't want anyone knocking on my door
  22. Hi all, Back in early Dec 2013, I received a PCN from UKCPM Ltd. I was parked in an private office car park, in a space that had been allocated to me by the space holder for the day. I was working in their offices in the multi tenant building. The space is their's under their lease agreement and they told me to park there for the day - I can prove this as I have 2 emails from the office manager advising me to do this. I left my business card on my dashboard, clearly displayed, in case anyone wanted to query it etc. Several hours later I glanced out the window and saw a guy get out of a branded Smart car and put something on my car, I went out and asked what he was doing; he said (in broken english with a strong east european accent) - I was parked without a permit, therefore I had to pay a fine. I advised I had permission and could prove it, he wasn't interested and continued to put the PCN on my car and take pictures etc. I ignored the PCN, thought I'd just wait and see what happened. End of Jan, I receive a Notice to Keeper Formal Demand from UKCPM Ltd, advising that as the registered keeper of the vehicle I had to either advise the driver's name & address or pay £100 charge for "Not displaying a valid permit" - Discount payment period has expired. Several weeks later I decided to write a letter to UKCPM - I was happy to ignore, but the wife is a panicker!!! I wrote as the registered keeper of the vehicle, did not admit to being the driver or anything else. I stated the car was parked with consent of the space holder, and that their operative was advised of this at the time. I also stated that as far as I was concerned the matter was therefore closed and no further correspondence would be entered into. Also if they (or their agents etc etc) did contact me again, I would levy a £500 harassment charge per letter against UKCPM Ltd & its named Directors via the courts. Mid March I received a letter from DRP, Demand for Payment of an unpaid parking charge £149, deadline to pay 27th March. Today (2nd April) I received from DRP a notice of intended court action - unpaid parking charge £149.00, deadline to pay 14th April 2014 or will be passed to creditors solicitor with recommendation to commence court action. My intention is to continue to ignore this, and see what happens.... The sign in the car park (picture attached) reads: Private property Unauthorised parking or parking a vehicle in a area or space that has not been designated to you may result in your vehicle receiving parking charge notice. Enforcement in operation 24 hrs Permits must be clearly displayed in windscreen at all times Terms of parking without permission blah blah blah. MY ARGUMENT: I had permission from the space holder, I have advised UK CPM of this twice. Their sign states that only parking without authorisation or in an undesignated space will result in a PCN - I had authority and was in the space designated to me by the space leasee. Their sign does not state that failure to display a permit will result in a PCN - the PCN has been issued as Contravention - Not Displaying a Vaild permit AM I RIGHT TO CONTINUE THIS ARGUMENT, SIT BACK AND WAIT ETC.....?? Any advice gratefully received
  23. The two biggest forums on CAG are Banks and Debt, with over a million posts each. Clearly money is a big issue in the UK. What is the root cause? The answer is that money is created by private companies (banks) simply by typing figures into a computer. It’s a great business model, isn’t it? You apply for a mortgage, the bank types numbers into your account and then charges you interest on them, many thousands of pounds over many years. This was not some pensioner's savings: it was new money created out of nothing by the bank. But don't take my word for it: here it is explained by the Bank of England: http://www.bankofengland.co.uk/publications/Pages/news/2014/051.aspx "​Where does money come from? In the modern economy, most money takes the form of bank deposits. But how those bank deposits are created is often misunderstood. The principal way in which they are created is through commercial banks making loans: whenever a bank makes a loan, it creates a deposit in the borrower’s bank account, thereby creating new money." The effects are huge and widespread: · * If you are wondering why you are in debt, the answer is that these companies are incentivised to create as much debt as possible so they can charge interest on it. Moreover, we can never get out of debt, because then 97% of the money in the economy would disappear. · * Why are houses so expensive? New money could be put into productive use - for example a business that employs people and makes widgets: but that's risky, so the biggest destination of new money is housing, and that's why houses are so expensive. · * Pensioners on the breadline. £1 saved in the 1950s has been deflated down to 4p today by the creation of masses of new money. · * The most profitable activity on the planet is now playing with numbers in computers. The brightest minds go not into industries that benefit society but into finance. This is not the first time such a situation existed. In the 1800s the promissory notes issued by private banks had become money, the banks figured out they could just print more, and a property bubble was caused. So Parliament stepped in with the Bank Charter Act of 1844 and said that only the Bank of England could print money. http://en.wikipedia.org/wiki/Bank_Charter_Act_1844 Unfortunately there was a get-out clause, which was Demand Deposits, i.e. your bank balance. With the advent of computers it became possible to multiply BoE currency massively, 48x at the time of the crash. Money is not a natural phenomenon, it is manmade and we make the rules. Yet a few years after they needed to be saved, banks are in the position to pay £billions in bonuses. I think that the rules should have money serve society, not private, unaccountable, profit seeking enterprises. If you agree, please post your support so I can organise the campaign. I have also set up an e-petition here: http://epetitions.direct.gov.uk/petitions/64050 If you don’t agree, please say why, cite your evidence, and we can have a sensible debate about it. Thank you. Mike Garrard
  24. I know a woman that has been fraudulently claiming tax credits using her mothers house for 3 years now. I have reported her about 10 different occasions during these past years as has another friend of mine.. Absolutely NOTHING gets done. She lives 200 miles south in a cottage with her working boyfriend and three children. With the Tax Credits and the Child benefit money She's pulling in close to £900 a month. Before the predictable "you're mistaken" replies come in i'd just like to emphasize the fact that i KNOW without a shadow of a doubt. I have a mutual friend who has also reported her, and she's also tried to get her to help her with more benefit fraud - Asked to falsely "rent" her house and split the housing benefit money. I can only imagine how many other people out there are doing this and getting away with it. Apparently they only investigate 5% of fraud reports - I can believe it!! If the DWP/HMRC employed more people to combat this, i'm certain they'd make massive savings from lost money and fines etc.. Anything else i can do? Write to MP maybe? I'm so annoyed seeing her holiday pictures from Jamaica on facebook
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