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  1. Hi, here I am again... .6 years ago I had a breakdown, got into about 35K of debt, 3 CCJs which 1 is a charging order and this has just popped up. I am DESPERATE not to get another charging order so want to negotiate with them. I don't have the original CCJ nor any of the paperwork from Debenhams. .this debt has been passed round various DC over the years, all of which I've ignored.. but this I think Restons will take further.. I am on ESA in the support group with no chance of returning to work. My dad will help me, so I want to offer then 10% b
  2. Hi all, I started a previous thread to share my general issues, but am posting in this section for specific advise relating to First Direct. Previous forum address here if anyone is interested: http://www.consumeractiongroup.co.uk/forum/showthread.php?458839-Low-income-6-year-old-debts-and-worrying-about-the-possibility-of-future-court-action I had an account with an overdraft, credit card and loan with First Direct (all pre Apr 2007). I defaulted on payments for the credit card and loan back in 2009, at which point, they closed my account, merging the credit card and overdra
  3. HSBC now owns HFC Bank in Brighton. I wrote to HSBC Coventry PPI claims office giving my name, DOB and precise former address, last week, but they replied to say: no records of my account can be found after 32 years, and that they are not legally obliged to retain documents beyond the statutory period if an account was closed. I also opened a Loan Account in Bournemouth and fully repaid around 1983. -- same answer from HSBC: no records. I myself have retained no records whatsoever, but I am absolutely certain I had those accounts, and 70% sure there was PPI as was standar
  4. Good evening, I have received a letter from MET Parking Services starting that a fine is now overdue, the problem is, no initial letter was sent. They are demanding payment within 14 days, what is the best way forward. I go to Stansted a lot and I'm not 100% sure the charge is genuine as it was from a few months ago. Date of incident is the first week of November and this is the first letter I have received regarding this (today).
  5. Hi, i took out an mbna card in around 2002 (unsure of exact year) i was made redundant and ran up debts, on returning to employment i started to pay them off for many years, however the interest rates kept going up and eventually (aug 2012) i just stopped paying completely, initially i intended to enter into a debt arrangement scheme but mental health issues and anxiety/stress meant i just started to ignore it! I have ignored this situation for almost 5 years Recently found out that after 5 years its unenforceable. ive been praying that it would get to that poin
  6. Hello, first of all I would like to say I'm really glad I found this forum. After looking through some of these recent posts, I've noticed that others have had invalid 16+ oyster cards made for them and also got into trouble with inspectors. My case however, seems to be slightly different. I am an 18-year old student currently in full time education. This means that I am entitled to a 16+ oyster card already, and eligible for free travel. However, I couldn't figure out how to make the account and actually get the oyster card. I've noticed a lot of people on social med
  7. Don't leave it too late to find out if you're eligible for financial help and support through Warm Home Discount schemes this winter. They are run by energy companies but tend to close in late November or early December. One in 10 of allhouseholds are eligible for some form of help with their energy bills. Those that qualify include low-income families, disabled, elderly and other vulnerable customers. http://www.homeheathelpline.org.uk/about/
  8. My Mother is 96 and has had a M&S CC for many years, used for phone and online shopping which also gave her a feeling of independence as she rarely left the house. She began displaying signs of dementia late last year following a stroke, then fell at Christmas suffering a v serious head injury and was not expected to survive. She was eventually stabilised, though only after two scary doubt-filled relapses. It was then immediately clear that her dementia had deepened v substantially, and to make a long and very evil story short my Mother has in just a few weeks been replaced by s
  9. Hello, back at the end of 2008 I could no longer afford the mortgage on my french and spanish properties, I spoke to the bank but they did not want to help, I ended up handing the keys to both banks. In March 2010 I had a few emails from the french bank asking if the local agent could market the house as they had a buyer, this was all agreed and I didn't hear anything till January 2013 when a uk debt company asked me for full payment. They sent me a full breakdown of costs and they had added 40000 euros in interest late payment fees, court costs etc. I told them I di
  10. Hi, hoping you guys can offer some help please, I’ve had a letter from Lowell’s about an old catalogue I had & that they acquired the debt in 2017, I don’t recall having received a letter of claim but this is asking for a response in 14 days, total amount including court fees is £912. How should I proceed, I cannot pay that amount, does this have to go to court now or is there any way that I can sort this out outside the court, what happens if it does go to court? are Lowell’s helpful enough to try & resolve without court action or is too late now
  11. Hello, I started a DMP with Stepchange about 6 years ago with £150k of credit card and personal loan debt. I have paid about £80k via Stepchange over the years and about £70k remaining balance (including personal loan interest). I have been paying £800 per month split pro rata via stepchange but due to change in circumstances can not pay much at all anymore! Have yet to contact Stepchange but have cancelled the DD with them just now. I need urgent help and advice!! Should I arrange to pay them £1 per month instead for now through stepchange and CCA them all in the meantime
  12. In 2016, my daughter was involved in a low speed collision, 5 mph ish - I was in the car with her. We were reversing out of our drive, which is a corner of a T culdesac. We had two pass a couple of houses before being able to exit the T. (hope you're getting the gist). As we reversed up the road, approx 20' one of the neigbours reversed out of their drive and we struck the drivers door. The front of the neighbours car was still on the pavement this time. Both myself and my daughter were looking behind and didn't see this until it was too late. The other driver was doing a
  13. I bouight a car from a private add in autotrader . I carried out an RAC hpi check and there were no issues. now a finance company (credit plus) claim its theirs and are taking me to court.
  14. Hi We moved in to our rented property at Christmas 2017. We both work from home and took the property based on being able to do just that. My fiancé has a photography studio set up here with regular clients coming to the house. In May we found out that the neighbours had sold a patch of their garden to a builder who is now building a house on the land. The noise is unbearable, we are woken up every morning at 7 and we can't use the garden because of the noise and dust. The neighbours are also having their remaining garden paved by a separate company who also make noise from 7am. To
  15. Hi I've been getting a number of letters from different debt companies and i stupidly ignored and even stopped opening them. I now have a letter from Northampton county court ordering a payment of over £8,000 for a certain credit card bill. I however suspect that this debt might be over 6 years as i remember getting into financial difficulties and defaulting when i was on maternity leave six years ago. I have read a few threads on here that mention doing a set aside and am guessing this is the route i need take, but am not sure who to contact regarding how old
  16. I will be concise as this is not a confessional, if helpers need more information I will respond promptly. I am 67 years old and have seven creditors, one with CCJ. I followed the advice of CAG and offered what I could, a token £5 a month to each. These payments were set up and have run without apparent fault for about seven years. Since doing this I was evicted from my home of sixteen years (the reluctant CCJ with a very patient landlord) and had no valid postal address for some time. In 2013 I had to move to Germany for family reasons. My only income is my state pension and a very
  17. My girlfriend and I went along to a trial session at a local fitness centre we had been told about. After the session, we sat down in the café and received a free (freshly ground) coffee as we discussed joining permanently with the trainer. The conversation was brief, 5 mins max. It involved an iPad on which she showed us the booking app they use and details of the different memberships. We opted for the couples membership at £88.20 per month (endorphin levels were sky high so this sounded like a great deal at the time) plus we get some free gear and a club-branded item of cloth
  18. If this is the wrong place for this post please move it. Hi I have a Ltd company and manufacture goods myself. I have a customer who owes me around £8500. Most of the money owed I supplied them when the person was a sole trader trading as XXXXXXX. Around June this year they registered as LTD and told me when they collected an order late June I think. I have asked for interim payments to get the debt down from just under £10,000 which they did and got it down to around £7000 but I allowed them a few smaller orders to help them out on the understanding that they carried on paying
  19. Hi I have two ex Santander debts - £4k loan / £1400 cc which were in a Step Change DMP that ended in 2016. These debts are now being chased by Westcot. I received a letter for one of the debts on Saturday, and today Westcot have started calling me. I have not responded yet. I am aware of how aggressive Westcot are, Ive had previous dealings with them. The debts themselves are from around 2011. The letter from Westcot states they are looking for an 'affordable' payment plan. No mention of court has been stipulated yet. I really do not want to have to deal with Westcot again, as they ma
  20. Having got some great advice hear about dealing with a CCJ application i was wondering if anyone can help on a CCJ that has already been granted in the court and is now with the bailiff due to me not being able to afford payments. I didn't realise i could defend the claim when it was issued so i think i just ignored it and a CCJ was awarded for £50 per week. I couldn't afford this and tried to negotiate with Restons to reduce but they were unwilling to help so have sent a bailiff round. i told bailiff that i was getting advice from Step Change and was going to fill a court fo
  21. Hi everyone,This is my first time on this topic .I am currently paying off two loans on reduced payments, one with Welcome which is almost finished and one with Norwich Union which is halfway through. The Welcome document shows an optional payment protection insurance for £344 and healthcare for £170.The Norwich Union shows an item for Norwich Union Creditcare Gold for £369.Would I have case to reclaim these charges.Both date back to 2001.
  22. Hello, We have had a terrible experience with a local children's nursery and I wanted some advice before I submit a case to the small claims court for a refund of our fees not used. After researching various nurseries we chose this particular one which ticked all of the boxes for us. A relative worked there, we were assured at the initial show around that communication with parents is key and a sheet is filled out daily containing all of the details of the day (food eaten, wet/soiled nappies/milk consumption/activities). A key worker would be allocated so we could have a smooth
  23. Hazard perception test now features more weather conditions READ MORE HERE: https://www.gov.uk/government/news/hazard-perception-test-now-features-more-weather-conditions
  24. can bes take over a residential property electric supply as they only do commercial electricity I need to no as been miss sold a contract please help the last few days have been hell bes utilities phoned me saying they were acting on behalf of my hopefully soon to be landlord no lease signed I have ended up in a contract some how I have been bullied and feel forced into this contract really not sure wat to do as I don't have a lease yet or permission to change the electricity supplier still they say I cant get out of it they say they are goin
  25. I bought a car for £6K but it was faulty and so I rejected it. The dealer promised a refund but has not paid it and I have obtained a CCJ. However they have now ceased trading. I have a name and address for the owner and will pursue via bailiffs. However is there anything more I can do? It seems rather odd if there is no criminal offence.
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