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  1. 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
  2. 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?
  3. 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 yest
  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
  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
  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 nothin
  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
  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 nothin
  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
  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.
  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 arr
  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 ) a
  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 s
  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
  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
  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
  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 ge
  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 B
  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 r
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