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  1. I have recently applied for a job where I needed a credit check. And was shocked to find I have had CCJ to my name for about a year. I have been at my home address for 20 years. I have had NO notification from the court and no conformation of intent from the person pursuing me. How can someone issue a a CCJ yet I have no knowledge of. Also when I applied to the court regarding this they only had one letter from the third party and there was no letter from the court to me/ Can I remove this CCj as it seems unfair that this judgement has been behind my back and I was n
  2. Hi, I run a small retail operation, bricks and locks building..., I am disputing the bill Britisg Gas have sent me, they said it's a smart meter and up to date, it still doesn;t seem right.. One of the last letters have threatened with bailiff or coming in to change the meter, how heavy are they on this stuff? Need I worry till I can try sort it out with them? How long do they normally take to take action?
  3. Hi as part of our research on outstanding debt to put together an income and expenditure form for StepChange, we requested a Noodle report and on it there was a CCJ which we have now discovered id Moriarty law for an Uncle Buck debt. In the letter it states that an instalment plan had been offered to us which it hadn't and i assume that before a CCJ gets registered we should have received some communication from the court which we didn't. Don't really know where to go from here as we are trying to pull together a plan but it's going to be blown out of the water if we are forced to
  4. Interest rate increases without informing the customer CONC rules i.e customer not informed:- ? surely there is a time limit before they introduce increase, and the customer given a chance to disagree and state no further use will be made of the facility and just pay off outstanding under original interest Rate????
  5. Good day to all Following the very supportive exchanges I read today within this forum I straight away joined the forum With regard to our {Owned} 1st floor flat, it was essential to sell since my physical abilities deteriorated, we fortunately obtained a local council ground floor flat suitable for disabled people, which we had to move to previous to the sale of the 1st floor flat, since if not occupied within a two-week period it would be awarded to a different couple, we forfeited £10.000 to the Inland Revenue since the 1st floor-flat was not classed to be our main residence
  6. Hi, ive been reading a few forums and cant seem to find the answer to this question. I have an account on my CRA for Lowells marked as defaulted at an old address. Now my fear is they will try to obtain a CCJ at my old address at it is nearing the 6year mark since I have made any payments or had any contact with them. Is there anyway I can update my address with lowells with out resetting the 6 year clock? Thanks in advance Sorry should of mentioned this is for a Orange mobile account so as far as im aware I cant CCA them either
  7. Most days we see a number of complaints on CAG, where DVLA have not received notifications sent to them in the post. This leads to letters, court claims and sometimes bailiff visits. Can CAG please publicise what DVLA notifications can be done online, as it might save people having problems, after notifications e.g vehicles sold, get lost in the post. https://www.gov.uk/government/organisations/driver-and-vehicle-licensing-agency The link above confirms what can be done online. Personally, i would not send anything in the post to DVLA unless i had to and then i would keep
  8. hello... i've just been reading this thread http://www.consumeractiongroup.co.uk/forum/showthread.php?472401-Euro-car-parks-PCN-Trinity-Street-Bolton-BL3-6DH.&p=5050117#post5050117 have also been hit with a parking charge notice from the bandits at the same car park (Bolton Shopping Park). How did this case end up? I am wondering if it's worth challenging it or not. thank you!
  9. Please bare with me as this is a long transcript. I owe my council £378.29, but I couldn't make any payment as I recently lost my job. My local council referred the case to the Equita who sent me a "Notice of enforcement" stating that I need to pay 453.29 (Incl. compliance stage fee £75) before 20/02/2017 or contact them to arrange a payment plan else the case will be passed onto bailiffs. I called them on 16/02/2017 and told them that I could pay the money by the end of this month as I recently got a job and so will be paid at the end of this month. I thought we had an agreemen
  10. Hi, I have been receiving letters from a debt collection agency on the back of a parking violation in braehead retail park Scotland. I have been given a last opportunity before court proceedings. I have never replied or disclosed myself as the driver. What can I write to make them go away before they raise any court action. Would appreciate latest advice and a letter template. Kind regards Followufollowme
  11. Hi all. I have today received a Notice of Enforcement from Rossendales, it is relating to a council tax liability order from 2011. I had made an arrangement with the local council to pay back monthly which was quite a low amount as I was on JSA. rather stupidly we never set up a direct debit and paid via online or payment card as and when we had the money by the due date. Unfortunately after paying regularly for a couple of years we missed a few payments ( I thought the wife was paying it she thought I was!) I called the council and tried to get the plan back on track and
  12. I wanted to know what the new rules are with regards to withdrawing consent for the WP to share your info/contact people on your behalf/claim their fat payment for my hard work when I get a job .. as I am sure I read it had changed since last year, also coincidentally each time I attend a review meeting I get loads of spammy job/credit emails in the weeks after which seems a little timely!! Am getting increasingly fed up with the WP provider, by and large I have had a year of having to attend weekly job clubs with slow computers and the like but since I hit the year mark it seems to have
  13. No doubt this is one of hundreds of similar cases. I part exchanged my car on 25th August 2015 to a car dealer. Completed the log book properly and handed in the V5C over the post office counter at the same time as purchasing tax for the new vehicle on the day of purchase. The post office gave me a receipt which states V5C handed in. I cancelled the Direct Debit for the tax a couple of days later for the vehicle that I was no longer the registered keeper. Fast forward to January - I get a letter from a debt collection agency saying I owe £80 for an outsta
  14. Hi hope you can help About a year ago I discovered that SWALEC had increased the price of electric and gas on my bill without notifying me of this change. When I discovered this I contacted them and the representative said he was going to refund me the amount i had overpaid and put me back on a lower tariff. This didn't happen. In the meantime i've been dealing with a personal tragedy and have only just found the guts to face them again as I have gone from paying £30.00 per month to £105.00 in the last two years. :mad2: I live alone in a small house that has a very efficient heating sys
  15. Hello and thank you for reading my post. Any help, advice and suggestions will be very much appreciated. I am sorry in advance for the long and complicated post. I have 4 debts all defaulted in 2010 for £20+K. Most of the information I have provided below is from Noddle as I don’t have much paper documentation. The debts are a personal unsecured loan and 4 credit cards all used on an unsuccessful business plus I have got very ill and went for urgent treatment abroad (2010) which lead to defaulting the accounts. 1. Barclays – unsecured loan (applied online) original
  16. My daughter was involved in a "bump" some time ago when she was hit by another car at a roundabout. Their fault not my daughter's. Neither cars nor people were damaged but insurance company details were exchanged. On my advice she notified her company just in case a claim was made, they agreed it was in no way her fault. No claims were made by either side. However, my daughter's company has deemed it to be a "claim", lasting for 2 years instead of just a notification. This is now stopping her getting insurance from any firm for her new car, even though her No-Claims bonus was not affected
  17. Afternoon all. Just a quicky.... Just had a notification regarding the above. The notification arrived at least one month after the alleged offence. Out of interest, how long do the Police have to notify please? I think Ive read somewhere there is a set time limit? Have searched on here but cant seem to find any info on this. Cheers!
  18. Hi all I've just received a letter from the dwp saying I owe £700 and I must pay within the next two weeks. Its half twelve at night and I'm so stressed I can't sleep. Well actually I'm watching a really good film. Does anyone have a template letter I can send these people? First template letter, I want to know if this money is really owed by me which I doubt. Secondly a letter stating they can have £ per week from my benefit and stop sending me scary letters don't you have IT system to sort out. Thanks caggers
  19. Please help! I'm very new to benifits, this is the first time ever I have made a claim for Income Support. I have been in receipt of IS since the end of May this year (2015). Yesterday I received a letter asking me to attend the above interview. I tried to ring the number on the letter today, to maybe get some idea of what it was for. However I got the answer phone of the man conducting the interview. The answer phone message made me feel even worse, as he said 'you have reached the answer phone of ****** fraud and error complience officer! FRAUD! Jesus I'm totally at my wits end. I really ca
  20. Hi, I received a very unexpected letter from my local council just recently regarding council tax. I am a single father living in private rented property who has MS. I am on ESA (support group) & PiP (Enhanced mobility & Daily living component). The letter stated that as of now, due to council budgeting, the council could no longer afford to subsidize the council tax & I was henceforth required to pay approx £200.00 (with offer of installments) to cover my council tax & presumably each year that follows. Now, I am not disputing the money here, what I a
  21. Hi fellow Caggers I'm not sure if others on here have any thoughts into this, but I'm hoping to get some help to clarify the situation on something i have come across recently, having read this as part of the lending code. 232. Customers should be advised BEFORE their debt is passed or sold to a third party by a subscriber. The intended outcome of this provision is that a customer SHOULD NOT receive any contact from the party to whom the debt has been passed or sold without having received prior notification from the subscriber of the transfer. what if the OC (subscriber) has
  22. Hi, can anyone help? I've been with Swalec for a couple of years, my bill was worked out based on previous usage and I paid it on a monthly basis. I discovered recently that my tariff became almost double about 6 months ago. I was not informed by Swalec that their electricity and gas tariff had gone up. Is there anything I can do about this? Thanks
  23. New here, parked my car in a private retail park. Allowed three hours parking. However first of all we left the site to go for a look at a nearby new build. Returned about 1 hour later by a different entrance to the retail park and had a look around some shops. Returned to the car within the three hours. There was a ticket on my windscreen stating we had " been seen leaving the car park" at xxxx o clock and had not returned by xxxx o'clock which was only 90 minutes later. The company is UKCPS Ltd. any thoughts on
  24. My scheduled date for me appeal to be considered was midweek last week, however I have not yet been notified of an outcome. The parking operator hasn't submitted any evidence for the ticket either. How long do I normally have to wait? and can the operator still submit their paperwork?
  25. My leasehold flat is rented to tenants and the landlord's agents, a company with a reputation for charging high fees, is demanding a registration fee of £120 from me. This is not for permission, just for registration; my lease says that a "reasonable" registration fee is payable. I have offered them £40+VAT for this registration as I had understood that this is what LVTs / First Tiers have determined as reasonable for this kind of clerical work. They have refused this sum and requests from others to have similar cases resolved through First Tier have been met with a response that LVTs /
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