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  1. Hello all - my first post, and Id really appreciate a little advice. I had a letter from Link offering 50% off my 3 accounts with them as partial settlement. The accounts would then be closed with no further monies owed. The debts are over 6 years old so not on file. I have been in discussion with them about closing the accounts for a while. Im not working due to health issues, and payments have been frozen for about 2 months. My partner has offered to pay from her savings. I offered 65% but they came back with the 50%. Its not a huge difference but its still a
  2. Hi all. Not been on here for quite a while but I am really stumped with this. Between 1995 and 2000 we had 4 loans from Welcome 3 paid off but one we defaulted on because of all the force tactics and extortionate charges for phone calls and letters I just stopped paying, I know it was wrong but thought " sod them they have had enough from me " I did make a successful claim for PPI and got paid out, great i thought. Just received a letter from them today stating irrecords show that I am due a further refund as the original offer did not fully put me back in the pos
  3. I have a credit card debt with Barclaycard dating back to 2014 and have not made a payment or been contacted by them for at least three years. Today I received a letter stating they are making a refund of £75 being an "inconvenience payment" and asking for a contact telephone number my bank details and a signature so they can make the refund. They also state: "We are now closing your account and do not require any further payments in relation to the outstanding balance. Your account is partially settled this means although there is still an outstanding balance on your account y
  4. Hi All Lowells have just offered me 50% off a £5k debt on an overdraft from 5yrs ago. I have a letter and also on their system it shows the 50%. I can pay either in full or in part by Direct debit. Are overdrafts harder to defend due to not needing a CCA? Or os the opposite true and it's harder for them to go to court with? They say this won't remove the full debt from my file. This is what they say: Note: If this account is on your credit file and you opt to pay the 'Discounted Balance' your credit file will be updated to show as 'Partially Satisfied' o
  5. Hi, long time member, (but been away for a while so name changed a bit, hoping admin can sort old ID out soon) . A family member has received a nice green letter from Capquest concerning an old MBNA debt for approx £1400. There is an offer of discount of approx 75%. Now, family member has said that he doesnt recall last payment but must be well over 6 years by now. Ive advised that he should get his credit ref file ( I personally hate these organisations, but thats another battle) to see whats on there, just in case it shows anything up. My instinct is to sit on t
  6. Hi there. Total newbie here. Any advice greatly appreciated!! I got into debt a few years ago. Payday loans the lot (multiple - it's embarrassing. I was a young stupid single Mum). Now in a decent job with teenage kids. Went into a DMP with Debt-line who then were sold to Lawrence Charlton. Have been paying £130 a month dutifully since 2013. Although the charges went up significantly when Lawrence Charlton took over I felt safe so kept on with it and owe about £18k to my creditors now. Lawrence Charlton are stopping all DMPs and said I should tran
  7. Got a call today, the message was made using a automated weird voice. Message was: Reward of £30 in vouchers for Black Friday - all you need to do is provide your signature and name of organisation I volunteered with - to be eligible for the vouchers. the number is 0786-***-1261 maybe belongs to someone else trying to get credit for my work placement?? Anyone else had this at all?
  8. Hi, not sure if i have a case on this but thats why im asking I bought some trainers around 9 months ago from Kicks.com who are based in Germany. Some of the rubber started coming away on the back of the trainer so i sent them back. Although 9 months old they had rarely been worn so were in excellent condition. I'm normally very happy to accept store credit but in this case i've been looking at their site daily for about a month now and have not able to find anything i like in my size. Im a right fussy git when it comes to trainers. I emailed them numerous times
  9. I am hoping to purchase a new TV soon, looking online there are few companies like John Lewis and Richer Sounds offering a free 5 or 6 year guarantee instead of the standard manufacturers 12 month warranty. This seems to be to good to be true, what are the catches if any?
  10. My girlfriend bought some hair extensions online but the colour did not match. They were sent back and a replacement was issued. However this was unsuitable also. The retailer quite clearly states on their website that refunds cannot be offered only a credit note. As they have nothing suitable as a replacement where does that leave my girlfriend? The replacement item by the way is unopened. I called on the retailer in person but they refused to make a refund.
  11. I currently work as a Deputy Manager (one of 300) for one of the big four supermarkets, and they have recently announced a new contract change that comes into force on Monday 18th April. In effect we are being demoted to a lesser position, that being of a duty manager. They argue that our job role is not really changing as we will still be doing the same job we have always done and they will not be reducing our pay. However it is a HUGE drop in status as our current contract states we are 'autonomous decisions makers' which classes us as senior business leaders and opts us out of working
  12. I'm new here & sorry if I'm posting this in the wrong section. I lost an employment tribunal case and I was ordered to pay £35,000 for an organisation and a union, I'm an individual (employee) and I do not have legal representation. In addition, I do not have the ability to pay as I have been out of job for 1.5 years and I have no assets I wonder what should I do? I know that I can declare myself bankrupt but I want to avoid it if it is possible as it will have significant impact on my career. I have no previous experience or knowledge of what can I do and I would really
  13. Hello there, I have a serious issue regarding my parcel shipment from UK to Nepal. I had sent 2 ounces of gold along with other 21 pages of documents via Dhl to Nepal on 4th June 2014. I was not sure if they ship gold. I went to the DHL service point and asked if they deliver gold. The agent said that the value has to be less than £5000. Since my gold was worth £1850 I was happy to proceed. Gold along with my 21 pages of other documents were packed and shipped for £51.95 in 1kg box. Declaration on the parcel cover was clearly made 1) Documents 21 copies
  14. Hi All I'm sure I read somewhere that it is now against the law for an employer to offer incentives to employers if they persuade customers to take out a store card. But what if they threaten to punish employees if they don't persuade customers to take out a store card, or at least attempt to persuade them?
  15. Hi to all i own a Msi gtx 970 graphics card and over last weekend it has been confirmed by NVIDIA’s Senior VP of GPU Engineering Mr J Alben in a online article (tried to link article would not let me) that nvidia have made an error (or lied:?::? in the spec sheet given to review websites last year and intern has led to consumers being misled with false specification. It has taken nvidia two weeks to come clean about this since consumers first noticed something might be wrong with the card it has also taken them another 3 days to decide they will give a refund to anyone who wants one
  16. Nationwide has launched a remote mortgage advice service called Nationwide Now, offering advice over a high-definition video link to borrowers in 61 branches in remote locations. The advisers are based in Nationwide’s Northampton office and will offer advice over video link to borrowers who go into branches where there is not always an adviser present. Link: http://www.mortgagestrategy.co.uk/news-and-features/sectors/products/products-news/nationwide-starts-offering-branch-advice-over-video-link/2009292.article
  17. In 2011 I found CAG which helped a great deal with advice on debt and how to manage the various debt collection agencies that were 'closing in on me'. I started to manage my debts paying most of my creditors a reduced monthly payment and had the interest frozen on all but one of my credit cards. Barclays/Woolwich mortgages behaved appallingly and this year after court proceedings were issued I finally sold my flat and moved out of London. I had sufficient equity to buy a cottage outright but only because it needs a substantial amount of work doing. I have kept to my or
  18. Long story short: dh was unemployed, I work p/t. We got ctax benefit ( later changed to something else, cant remember the name). When dh was back in work, I informed the council. They still kept putting the benefit on our bill. I called them several times and each time, they said they would deal with it and it was sorted. Today we received a benefit review letter, wanting paperwork wage slips etc and dates. I can't remember when dh started work,I just know it was about 2 years ago. I usually take the name of people I talk too, especially with things like this, but for some reason, I
  19. Has anyone ever received a letter from Robinson Way stating that " following an audit they have identified a payment to the account ,which has been fully paid for some, that may have caused an overpayment " !!!!! We do have history with them of them chasing us for payment of a debt that was fully paid up via CCCS in 2009. This letter purports to a different debt that was also fully paid up in 2009. The letter asks us to phone them to verify the payments as a refund may be due !!!. Knowing Robinson Way reputation I suspect this is just an attempt to get us to c
  20. Received a notice to keeper from PCM. Appealed to them on the 20th of January 2014. Today received the attached letter from them. I am now seeking advice as to how to proceed from here on in. One added bit of information is that in the notice to keeper, they got the colour my car slightly wrong. I say slightly because they have it down as Grey, while it is in fact Black and the log book also says Black. Don't know if that is significant but I thought it may help my case. Hoping for some advice. Thank you.
  21. I have received a letter from 1st credit with a 70% discount full and final settlement, About a year ago they sent a letter offering 30% discount, then a few months later a 50% discount, now the 70% discount, I'm currently paying a small token amount of £5 each month and have done for about 2 years, it was for an unsecured bank loan taken out in 2008 and there is approx 17k outstanding.It was assigned to 1st credit in 2011 The cca appears to be compliant and has all prescribed terms etc,but the default notice was faulty in that it never gave the prescribed days to remedy, I'm just
  22. When providing a DCA with an I/E form, what sort of stuff is considered reasonable or necessary? As I'm currently on JSA but live with parents so I'm not a main bill payer for the main stuff, but I do pay my parents weekly with what I can afford and I pay for a lot of stuff for myself, food etc and hardly seem to have much left over. The balance of the debt is £250 and I've proposed £1 or £2 a month until my circumstances change but my I/E form seems to suggest I have lots of money left over when it's not the case in reality. And how much of your disposable income do
  23. For some years my wife has been paying off various store and credit card debts via a debt management company who, naturally, take their percentage before paying the creditors. I have now intervened and contacted Step Change (formerly CCCS) and requested that they take over from the debt management company. Once transferred she may within a couple of months be able to clear all outstanding debts in one payment. I have seen a recent statement from the debt management company as well as an up to date statement from Noodle credit reference agency. Her liabilities are wit
  24. Hi I wonder if anyone can advise us? My husband has been paying off a debt from Lloyds which they sold to Cabot. Cabot have now written offering a settlement figure! W e can't afford to do this. We are now worried that if we refuse, they may threaten to take action. We do not own our own home, nor have any other assets of any worth so we are worried about what they will do. Having read other posts on sites, it appears that Cabot do not have a particularly good reputation. We are just wondering how to proceed with this, or just refuse the offer and carry on pa
  25. I've been doing a lot of reading lately, and the members of CAG are the best family I've ever had Thanks one and all. I saw a post before, that I can't find now, that pretty much said that if a DCA offers a substantial discount on what you may, or may not, owe then the DCA knows the action may not be enforceable. I've had a DCA offer me 70% discount if I call up and pay NOW! How they came to the figure that they say I owe them is another story, but is this true? A DCA is a business so how do they write off 70% of what they claim is owed? I'm sort of hoping that I w
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