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Found 551 results

  1. Hi all, I am hoping someone can offer me some advice please as i am a little confused by all this. I took out a secured loan in 2006 with Welcome Finance and thereafter got into financial difficulty with the loan going into arrears. A company called Experito Credite then got in touch to set up a payment plan, which I did paying them £50 a month. After this, the loan was then transferred over to Lowells who i continued with the same payment of £50 a month. However, on looking at my recent Lowells statement, it claims a company called Sigma Financial Group are the original creditors. I have never heard of this company and i cant find any link on the net between them and Welcome Finance. I obtained a copy of my deeds and Welcome Finance are listed as having a charge but there is no mention of any of these other companies. I am looking to sell the property and possibly get a reduced settlement. Having spoken to CAB, they advised me to do a SAR in the first instance, to check for PPI or charges. Only now i'm unsure who the SAR should go to, Welcome, Lowells or SIGMA? I haven't dealt with Welcome in over 7 years now so would they even have this information? Any help would be greatly appreciated. Thanks
  2. I would be grateful for any advice or if anyone can point me in the right direction. I have a loan with Welcome finance, secured. Lost my family busines of 20 years in 2009 and things have been a real struggle ever since and im certainly not out the woods. All creditors have been kind and helpful apart from Welcome who have bullied me and really been nasty. After a week of harrasment from them, I folded and ended up on antidpressents. Welcome told me i could not go bankrupt. (I now know different). I got a copy of my loan agreement to find its almost completely unreadable, I have been taking advice from moneysaingexpert which has been great (until last few days) - gave me all the template letters to send with regards to a loan where the CCA is illegible. I have sent these all to Welcome and they continue to send me these bad copies that you cant read the figures on. Last week they posted me a reconstituted copy of the agreement - with no signature, dates etc. Just the figures clearly. (I dont have the agreement at all so I have no idea if these amounts are correct). I went back to the site for further advice on this and it seems now that rather than people help the advisors are just saying why dont i just pay up, dont run away from your debts etc - suggesting im looking at an easy way out. Quite frankly I would love to wipe this debt these people were the final straw when i was desperately trying to cling on and which resulted in serious depression and I dont want to have to deal with them again so yes i do want to wipe the debt if i can. Im terrified of dealing with these people again. I am being told now that a court ruling says that a reconstituted copy of an agreement is acceptable, does anyone know did this court ruling happen recently? Its just everyones advice seems to have all of a sudden changed from illegible loan agreement cant be enforced to now that it can. Will a reconstituted copy stand up in court if Welcome take me to court. Also on the reconstituted copy the figures show i borrowed 15k and that the total charge for credit is 29K.. Meaning the total amount payable is 44K. This is hurrendous obvioulsy and i clearly did not check this before i signed the agreement otherwsie i would not have signed. I was young and foolish i guess. Any advice on Illegible Loan agreement, Harrassment (although it was all done by phone), and unfair interest rates - anyone can give me i would be grateful. I have scanned and attached 1. Bad copy they have posted me of the original agreement 2. Reconstitued copy received in the post recently 3. Statement of account It looks as though an acceptance fee of £235.00 and a broker fee of £1500.00 has both been included in the oiriginal loan amount. On the 'original' agreeement (although bit difficult to read properly) it shows the broker fee on the right of the agreement, on the recon copy the broker fee has gone but the total amount borrowed is not £15000 but £16500. On the last page of the statement of account (which is the beginning of the agreeement back in 2007) it shows; first entry (14.2.07) - Loan Disbursement of £16735.00 (DEBIT) second entry (14.2.07) - Fee Disbursement of £235.00 (CREDIT) but then the total amount does not adjust accordingly with the credit. If you look at the statements that i have scanned and attached i hope you can see what i mean! I have tried to google how to work out interest but i cannot work out if they have charged me interest on the acceptance fee or the broker fee - if anyone can help here i would be really grateful - i do not know what im doing here - its complicated and the information on the agreements differs which i do not know is allowed either. Also on the recon copy it does not mention that the loan is secured on the property. Where it says 'secured on:______' - this section although completed with address on the 'original' is empty on the recon. How can you trust a recon copy when the company is so untrustworthy. Thank you for anyone that can help me! this was Pre 2007, no i have not checked the calculations as I do not know how, I can npost the agreement no problem i have a scanner, how do i post? No it did not include PPI at least its not showing on the reconstituted copy anyway.. - the loan did not include PPI and the loan was taken out Feb 2007. Figures are Amount of loan £15,000 Duration of agreement (minimum) 180 months Monthly payment £235.00 Variable APR 19.50% Total charge for credit £31,232.53 Interest charge £30,997.53 Rate of interest per annum : 19.10% I have taken this info from the reconstituted copy that they have provided but this info seems to be different to that on the illegible agreement. For starters on the illegible agreement there is a broker fee of £1500.00 - this is not shown on the recon copy. Also the APR's are different and the total charge for credit is different. my signature is on there I will scan and upload the doc, do i just blot out my details from prying eyes? - the agreement (the bad copy) is in the 1st post - thank you again for your help surrey36 all welcome docs .pdf
  3. 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 media getting these 16+ oyster cards. At first I assumed this was for people who didn't know how to set up the account themselves. There was one particular guy on Snapchat, who was advertising these 16+ oyster cards. He kept posting people using his 'service' and thanking him and since I didn't know how to do it myself I just decided to let him do it for me. I messaged him, and he said he will do it for £50. At first I was like what the hell, £50 just to set up an account? But since so many people used his service I thought it must have been a complicated process (which is a very stupid thing to assume now that I look back on it). But of course me being the stupid 18 year old, I thought to myself that I want to get an oyster card as soon as possible since I was tired of walking 1+ hours to get to college and the guy convinced me he will have everything ready for me within 15 minutes. I have recently started working my first job, and got my first couple pay checks I'm stupidly thinking "whatever I can afford the luxury of having this done for me". I send this guy a photo, my address, my full name and my date of birth. He sends me back log-in information and I pay for the £20 oyster card fee. Few days later my oyster card comes no problem. Now, I'm in my last year of college (finishing in 2019) but my oyster card expiry date said 2020. I message this guy on Snapchat saying why does it say the oyster card expires in 2020 when I'm finishing college in 2019. He says to me that on the system it will say I'm 17 years old, but because college is usually a 2 year course it will expire then. I was thinking that's really odd, I assumed the system would obviously say my actual date of birth. I should've noticed this is a red flag, but I had already received my oyster card I'm thinking that TFL obviously must have checked the account, and confirmed that I was eligible, otherwise I wouldn't have received the card. I just brushed it off without thinking much about it. Fast forward about 1-2 months of using the oyster card no problem, inspector comes on and I give him the card. He asks for my name and I point to the card and say my name. He asks for my age/date of birth. I was born in the year 2000. I say my actual date of birth, but remember that the guy said on the system it will say I'm 17. said "10th of May, two thousand-----and one" I added the "one" at the end thinking that it will say I'm 17 on the system so it would make more sense. Inspector says okay, and it was my stop approaching I let him know that it's my stop and he nodded his head. I got off and that was that. Didn't think anything about it at the time. Fast forward again about 3 weeks, my oyster card stops working. I didn't for a second think that the inspector thing and my card stopping was related at all, in fact I had already forgotten about him by that time. i'm wondering why my card stopped working. I'm talking to my friend at college later that day and I asked him if he's got a 16+ oyster card. He says yes. I ask is it working? He says Yeah. So I ask how did he get the oyster card. He said he made an account on TFL, printed out a form, got it stamped and signed by the college and sent it to the post office. I was like "oooh damn I didn't do that, that's why it got stopped". now I'm annoyed that my oyster card is not working when I paid £50 for it, especially now that I know how to set it up myself and the guy never gave me a form to give to the college. I look for this guy's Snapchat that got me the oyster card, and it seems that he deleted it. I'm really annoyed now but oh well, I guess it's a lesson learned I thought to myself. I had about 6 more months at college by then I just decided to start walking again so that I didn't have to pay another £20 fee. Now here's the ice breaker. About 1 month after this I received a letter. Boom - I have been summoned to court for the use of a 16+ oyster card that I was not entitled to. It says that the inspector which questioned me asked for my date of birth, and I gave him the wrong one in order to make the card appear valid. It then says when asked for my name and address I got off the bus without providing them?? This came as an absolute shock to me. I gave my name, I was definitely never asked for my address. I gave that date of birth thinking that's what it will say on the system. With the letter, came attached a print screen of my account details (which I haven't seen before). My date of birth was completely wrong. Wrong day, wrong month, wrong year. And now it appears that I have to be at court and pay a fine of about £400, plus a potential criminal record? I tell my dad the whole scenario because he has handled cases before. He gets a bit angry thinking why I didn't ask him to help me make the account, but I recently turned 18 and just wanted to do stuff without asking anything of my parents. he says I need to actually get a legitimate 16+ oyster card ASAP, to prove that I'm entitled to one. So I did, and it just arrived yesterday. I wouldn't really be worried about this that much since I wasn't aware of doing something wrong, I was just really stupid to see it. But it seems that even if you do something like this wrong mistakenly, you're still at fault so I'm a little scared. I've never been in trouble with the law before and had no idea what I was doing was illegal. What makes it even worse is the fact that the letter says that I got off the bus when asked for my name and address without giving them. But this is false, I did give my name and I was certainly NEVER asked for my address. But I'm guessing that they will take the word of an experienced inspector than a dumb 18-year old boy? Should I be worried? Should I expect to have to pay the fine and/or get a criminal record? Court is supposed to be 6th of March, I'd like to settle out of court but if that's not possible, I'll plead not guilty because I was not aware of doing something wrong. I do admit and take responsibility for being stupid and not realising that the Snapchat guy saying "it will say you are 17 on the system" is dodgy and doesn't make sense. But that was when I received my oyster card, and I thought that as long as you receive one from TFL they would have checked the account and confirmed it eligible. Should I contact TFL asap and explain everything as I have here? I just need advice on this situation and how to approach this. Please note that I am an 18-year old who knows nothing about law. I would've never in a million years thought I'd have to go to court during my lifetime, considering my extremely boring lifestyle. But now that I'm here this all feels surreal and I'm filled with anxiety. Advice is greatly appreciated, and I apologise for the long read.
  4. 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/
  5. 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 someone who looks like her but has no memories, doesn't retain anything she is told conversationally for longer than 30-60 seconds, has no retained awareness therefore of her circumstances or where she is, who never has a yesterday to help her understand today, is confused on a good day and distressed on a bad one, doesn't recognise friends/some-family, and only occasionally recognises me when I tell her who I am. She is now in permanent residential dementia care where we continue to visit a very frail stranger unable to look after herself and needing help with all aspects of daily life, and that we love very much but can do nothing to help, only ... observe. Anyway ... I am dealing with her personal affairs. I would like to know please whether a card-issuer - M&S in this case - has legitimate recourse to family if the card-holder is neither competent nor capable and is unable to settle an outstanding balance, in this case just under £2K. Today the State takes all of Mum's pension and benefits to offset some of the £900+ p.w. cost of her Care, with the exception of a few pounds as so-called pocket-money to provide "personal treats" like toothpaste and replacement clothes/undies etc. Treats? There is no longer any possibility of the outstanding balance being settled by Mum from any source at all, she has no assets and had been getting by just okay on her State Pension+ small benefits whilst in a sheltered-housing bungalow since my Father died. I have been far too preoccupied to bother with the M&S reminder-letters over the past three months, but should take control before things escalate. I don't have any problem ignoring DCs if M&S moves it along, however I'd rather put the brakes on with M&S before that stage. So, to repeat my question ... I assume that in Law M&S would have recourse to income or assets, however there are none and I am wanting to know if In Law there is then permitted-recourse to family for the debt? If they try to make noise instead of writing the balance off, I am perfectly capable of berating M&S very robustly about pursuing a 96 year old woman in residential care with dementia! However, before then I want to be clear in my mind about the legitimacy of any other channels they may claim to be entitled to pursue for recovery. In reality they would actually be unsuccessful that way also as I am 71, retired with no assets and only state pension income, and with debts and obligations of my own already after a past business-collapse. I'm not concerned with that just now however, just in knowing whether M&S would be on solid ground if they should respond by saying that in these circumstances the debt becomes the responsibility of someone's family to settle if their assets/estate isn't able to cover it. So can someone advise on that one point please? Thanks! Howard
  6. 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 didn't have the money or the assets to pay and that they should refer it back to the bank as they were irresponsible lending me the money when I hadn't sold the spanish property, Forward to Jan 2014 the same uk debt company start chasing again, but I gave them the same answer as above. Today nearly 3 years later they have sent me a letter to my home address stating they want full payment in 7 days or they will recover the money. I never knew that they had opened proceedings against me, but I was made aware that the french start repossession after 90 day, but the bank and the uk debt company are saying the house is still in my name. They also sent me a contract to sign saying the house could be sold for €40,000 when I translated the document the house could have sold for €90,000 ????? they said it was a clerical error. Original debt €117,000 Euros. Total to date is €180,000 Euros . Any advice would be very welcome.
  7. 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 overdraft together as one debt, and the remaining loan as another. Since the default in 2009, I have been making token £1 monthly payments to Metropolitan Collection Services; I have since moved house a few times and hence had no contact with them. Aiming to sort things out once and for all, I joined this site, and under some much appreciated advice, sent out a CCA request to Metropolitan last week. First Direct have responded, sending back my CCA letter (but keeping the postal order???), saying: The letter is not signed (didn't think I needed to) - they want me to provide a specimen signature My current address does not match their records (it wouldn't as I have moved, but my credit file address is up-to-date) - they want me to provide the old address to match their records. From this, I gather that FD still own the debt as Metropolitan did not write to me. As mentioned, my credit file is up to date with all addresses. Does anyone have any advice on how I should proceed? Are they trying to delay and does the time limit of 12+2 days still apply? Or, are they valid in their requests? Any help much appreciated Thanks AM
  8. 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
  9. 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 standard custom in those days. Is this a dead end? Should I invest in £10 requesting a SAR, if so SAR sent to HSBC Coventry or to HFC Bank in Brighton? Later to complain to FOS if we suspect HSBC does have records? Thanks to all for sharing experience.
  10. 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 point to relieve this stress Balance is sitting at around £8.5k I have always had PPI on this card I phoned broadies on receipt of the letter to request a CCA which they said they'd send. I have not received anything, does anyone have any advice, ive no idea what to do next? im scared they dont send any on for because it was done via phone, should i email them? just checked and my first month of not paying was august 2012, last recorded payment was july 2012
  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? – I have just read about CCAs here. I am terrified of getting CCJs from them all now – All help greatly appreciated! Debts are as follows: • NRAM personal loan pre 2007 – now with Cabot Financial (Marlin) - £12,933 - not on credit report • Bank of Scotland personal loan – post 2007 - now with ‘Wescot Credit Services – Bought Debts’ – £12,395 owing – not on credit report • Santander Personal loan – 2002 - £10,859 – Defaulted 2011 • MBNA Credit Card – 2005 - now with IDEM CAPITAL SECURITIES – £6,919 – Defaulted 2011 • Cahoot loan - £4499 – showing on credit report as settled 2015! – but stepchange still collecting and paying!? • Barclaycard credit card 2008 – now with LINK FINCANCIAL OUTSOURCING - £3337 – showing as up to date positive credit on my credit file! • MBNA Credit card 2008 – now with IDEM CAPITAL SECURITIES - £3233 – defaulted 2012 • Capital one credit card £3205 – not on credit report • MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012 • Co-operative bank credit card 2002 – now with LINK FINANCIAL OUTSOURCING - £2571 – defaulted 2012 • Co-operative bank credit card 2001 – now with LINK FINANCIAL OUTSOURCING - £2026 – defaulted 2015 • RBS MINT credit card – now with ‘WESCOT CREDIT SEREVICES – NON BOUGH DEBTS’ - £1624 – not on credit report • Tesco Bank credit card – now with ‘ROBINSON WAY LTD – TESCO’ – £1222 - not on credit report • Barclaycard credit card 2001 – now with ‘LINK FINANCIAL OUTSOURCING’ - £1087 - showing as up to date positive on credit report! • Bank of Scotland – now with FAIRFAX SOLICITORS - £750 – not on credit report • Cahoot credit card £713 – not on credit report • American Express credit card – now with ‘NCO – OTHER’ £387 – not on credit report • EGG Credit Card – now with PRA GROUP (UK) - £193 – not on credit report • Cahoot credit card £100 – not on credit report
  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 reverse left turn and had her head turned to the left. Her view of the right was blocked as there was a van parked in the same drive. As I was looking at the damage to the car, the neighbours partner came out and very very aggressive. The only witnesses were the driver. I was in the car with my daughter and my wife. It was an accident pure and simple and we agreed with the insurance to class it as a 50/50 - there was no damage to our car. We didn't want to claim anything as there wasn't anything that warranted it. Roll on 12 months later, the other driver has refused the 50/50 and is now taking us to court, with a hearing in January. We firmly believe that this is now a crash for Cash. We're hoping that any sane judge would see this as an accident and throw this out. One thing that did happen shortly after, was my daughter was diagnosed with Chron's and has ended up will an illiostomy. She had been showing signs of anxiety before the accident, but this incident didn't help. Obviously the accident hadn't helped and may have made her condition worse. Any advise would be useful.
  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. 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).
  15. 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 top it off, our other next door neighbour have just started work on their house so we have to deal with hammering and banging all day on that side too. The landlord claims he knew nothing about any of it, which is rubbish and the builders have confirmed that they have had extensive conversations with him as part of the planning process and he in fact moved out of the house because of the construction. We have already asked for a rent reduction as we have been deceived in to moving in and the worst part is we pay nearly £2k in rent to live here! In this beautiful weather, we haven't been able to enjoy the garden at all. I have spoken to a solicitor who has told me whilst the landlord did have a moral obligation to tell us about the work, he unfortunately didn't have a legal obligation, which I just cannot believe! We have spoken to the builders who have now said they will try not to do noisy work before 8am, but even minor work causes enough noise to disturb us. We have to have the windows open because of the heat and there is no escape from it! We've requested a rent reduction but the landlord said no and we would have to pay to get out of our contract. There is another month left of the building works and we just don't feel like we can cope with it anymore. We're both being woken up in a state of stress and anxiety and its impacting on our work and our health! Is there really nothing we can do!?
  16. 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 this date is. It was originally with Lloyds bank and has been passed to different companies. They are demanding for payments to start on the 5th April and another 2 companies are issuing their demands too but not gone to court yet. Any advice on what to do is very much appreciated.
  17. 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, very small private pension. In short, absolutely no spare cash as the pension has to cover room rent and everything else. My assets fit into two suitcases and have no value My sister who is in the UK received a letter from Robinson Way addressed to me. She has told them to remove her address from my file as I do not and never have lived at that address. They have agreed to do this. They are talking as if this were a recent matter, insisting on the establishment of a repayment plan. Obviously I have nothing to offer them and their threats of legal action are not particularly concerning. When the CCJ was issued the judge noted that the matter would not be pursued unless there were substantial assets, which is oddly reassuring now. I intend to contact RW by email so that everything is recorded but before I do I wanted to gather any advice from you good folks. Incidental to this, I do not know what my credit record looks like now. I have lost my CRA access details and it seems not to be possible to open a new subscription from Germany. Finally, (because it is stupidly embarrassing) I have noticed an error in Robinson Way's payments. When I agreed to the monthly payment I established a standing order which is still running. I periodically check that all payments are going out as they should. What I did not notice was that RW established a direct debit, with the same reference number in addition to the standing order. So they have been receiving and taking twice the payment I agreed and this seems to have been going on for the whole period.
  18. 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 clothing of our choice, each. The club was only a few weeks old at the time, and it seemed like the trainer who was signing us up didn't know exactly how to navigate the sign-up procedure, but we got there in the end. We handed over personal details and my girlfriend gave her bank details for the direct debit to be taken out each month. We immediately had to pay a pro-rata fee of £67.62 for the first month (September), oh and a joining fee of £50 (!?). A few weeks later and reality hit, we were never going to get our moneys worth from this club and had only been a handful of times in the first couple of months (lets just blame it on our 'busy' lifestyle) We paid again at the beginning October but then my girlfriend finally rang up to cancel. This is when she gets told that actually she can't cancel the membership as (duh) we signed up to a 6-month contract. Instead, they suggested that 'we had joined for a reason why don't we just pop down and give it another go'. My girlfriend expressed her surprise at the fact that we were committed to anything, to which they told her all of the details were in her contract. She went on to ask for a copy of this contract, that she had never seen before. They did email her a copy of a black and white contract, which was filled in with her details and with all of the terms and conditions. It included our joining date and commitment period end date. At the bottom, there is an Application Declaration section, with signature boxes which were (obviously) blank, because this was the first time either of us had seen this contract. Page 2, there was a physical activity readiness questionnaire (blank with empty signature box) Page 3 was a copy of her direct debit (blank with empty signature boxes) She informed the club that she was cancelling her direct debit as these contracts they had sent were quite clearly unsigned by herself, and that she was never informed and/or agreed to the long-term contract. They never acknowledged this email. Fast forward a couple of months and she receives an email from a debt collection agency after a payment of £610.26. She rang this agency and told them the whole story. They agreed to put everything on hold and contact the club. The next day, she receives an email from the agency stating that they had contacted the club and they had been advised by their client, that we set up our membership via a tablet they handed to us, that we had agreed to tick and had agreed the terms and conditions in order to proceed. And that they had no written confirmation of us wishing to cancel our membership (bull****) Therefore they look forward to our payment (of which late fees had been added) Their t&c's actually say they may charge a fee of no more than £15 for failed direct debit payments and any unpaid fees referred to a debt collection agency will be subject to a charge of no more than £30? But that's besides the point. We/my gf were never told about the commitment period, and never signed anything. They sent us a copy of a completely blank contract. We're only 24/25 and have no experience of anything like this, do we just ride it out? Could we be caught out somewhere along the line, even with them having no signature? We've watched hours of Can't pay we'll take it away, should we expect to see ourselves on Channel 5 next year? Thanks in advance for any help. P.S. We never received our t-shirts.
  19. 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. They haven't really.....and I have nudged them for some more money and it looks like they can't pay anything for at least 2 or 3 months. Then it will be can we have some more stock and we can pay you or if not we will have to get stock elsewhere and use any money we have to buy stock from elsewhere to keep going. Now is the person still liable for the goods they had off me before they went LTD or does it all transfer to the LTD company now. I am thinking of asking for a personal guarantee or walking possesion on goods etc. I don't want to do this but I have been in this position before when someone gave me post dated cheques and fobbed me off a couple of months while he registered a new company and liquidated the company that owed me money. Any suggestions?
  20. 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 made my life a misery last time. They have given me 10 days to respond. Would it be better to write to Santander instead? Or should I request that Westcot send me proof they can chase the debt? Many thanks in advance for any help. RJW
  21. 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 form to amend the order. I havent done this yet as i can't afford the £50 fee and dont qualify for the fee to be dropped. My question is can i try and get the order struck out or ask for information like COA and other documents that i never received during their process? Sorry if this is on any other threads!
  22. 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.
  23. 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 settling in process. Being new parents all of this was very important to us. We felt happy with our decision, read through the policies and procedures which detailed the above and signed the contract along with paying the deposit. Unfortunately none of this materialised when our child attended the nursery. Two settling in sessions were held where we dropped our child off for 2 hour periods. We did not meet the key worker nor did we receive the information sheets - given it was for a short period we didn't question the report sheets however we did question when we would meet the key worker. The key worker allocated was on long term leave with no immediate date of return so the other workers would chip in and help. We therefore did not have the chance to bond with a particular individual at the nursery. I should mention this nursery has children of all ages mixed together in one room. After this our child spent 2 full days at the nursery. Both times we again did not meet the key worker, communication was poor, no report sheets provided and therefore at pick up no-one could give us details of what our child had eaten/drank/nappies changed etc. This was not the service we were promised when we signed up. We were feeling very uneasy and wanted reassurance so we asked for a meeting with the nursery manager. The meeting got unnecessarily heated. The manager felt attacked by our concerns and was very defensive. It was confirmed that the production of the daily report communication cards had been halted for 2 weeks due to the hot weather - something to this day which still baffles us. This had not been communicated to parents. Additionally the allocated key worker still had no return date. At the meeting it was clear the relationship had broken down and the manager confirmed the nursery was not right for our child. We followed up with an email later that day confirming our child would no longer be attending the nursery. I should mention too that during all of this we received information from an ex worker there that safety standards were not being met (child to adult ratios), poor hygiene was observed (feeding babies with same spoon at mealtimes). This person has chosen to remain anonymous however a complaint may have been submitted to Ofsted by them - something I am unable to confirm. This information coupled with our experience clearly resulted in a loss of confidence in the nursery. Monies - we had paid over 500 pounds on what ended up just 2 days care (48 pounds per day). We requested a refund due to the breach of contract as they did not deliver the service they agreed. Within the contract they request one months notice and we would therefore not be entitled to any money back. A goodwill offer of just 150 pounds was proposed to us which we reluctantly agreed. When I have chased for the monies a week later they have responded confirming they have changed their minds and they will not be refunding any money to us. Clearly frustrated I feel I have a case to pursue this however would like some advice. Thank you in advance for your help on this.
  24. 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
  25. 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 going to take over the electric suppy on the 25th and there is nothing I can do they also said the supplier at the moment cant reject the take over apparently I have no choice but to go with them all I want to do is get out of this contract. also the address on the contract is a residential house helllllppppppp
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