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  1. Hi I'm wanting to get information from Blemain with regard to my loan. It's due to finish later this year and they claim the current balance is approx £4.5K which won't be cleared by the payments! I'm going to send a SAR but I'm not sure which template to use from the library. There's Full Subject Access Request or Debt or DCA Subject Access Request I was going to use the "Full" one, but then the "Debt" one looks better as it specifically mentions insurance and additional charges. Any help would be greatly appreciated. Thanks. BB
  2. I got a pre action protocol letter with a form, from Restons for a next account which has been passed to Debt Managers (Services). I ticked box I and requested a copy of the contract, statement of account, details of any administrative charges, copy of notice of assignment and a copy of the default notice. I received a reply from them providing with a few details; date account was opened, address used (which is incorrect btw), last order date, last items ordered, last payment date and amount. The letter says I have not provided any information as to why I don't know if I owe the debt
  3. Hi all, My partner and I moved into a private let property on 15th September 2017. We paid a months rent and deposit upfront. We then paid a months rent on 1st October and continued paying the 1st of every month since then. We were given two months eviction notice on 15th July 2018 as the landlord is selling the property. The estate agent has told us we owe rent until the 15th September and that we must pay half a months rent on 1st September. In my mind, we have already covered this payment by paying for a full months rent half way through the month the year previous.
  4. Good Morning all, I was wondering if someone could offer me some advice with an issue I have with a former friend. Back in 2012 my friend (who is extremely wealthy) gave me 2k to help me out with some serious issues I was having with debt collectors, he wanted to be more than friends shall we say and to this end he gave me another 2k early 2013 and another 2k late 2013 by way of bank deposits. I understood at the time that these were gifts and no verbal or written contract was drawn up. Once he realised that I was not that way inclined / spurned his advances, he started to get
  5. Hi, I have 2 loans with welcome. 1 was for a car where I was well ripped off, and the other for a cash loan. There is no HP. My cash loan was for 2000 and is a fixed sum loan agreement. and to date I have paid back £3839.63. Aktiv kapital want £450.85. The total amount payable on my credit agreement is £3950.64. I CCA them a few weeks ago and got my original document. Never knew I was paying that much. also got a copy of all payments made since stay of loan in Sept 2007. Interest was added monthly until 05/05/2010 when went to step change. Then frozen.
  6. Hello! I went to court with my neighbour over a land dispute. I had to withdraw from the trial because I am deaf and the audio loop wasn't working, but the Judge refused to adjourn... This is probably a whole other area, however, the neighbour was awarded costs of £23k and has now placed an Interim Charging Order on our jointly mortgaged house. My husband is not the debtor. I want to know if I can argue that the Award is unfair, not just because of what happened in court, but also because it includes a 100% success fee, which I feel they are not entitled to because I did not re
  7. Hi Guys, I have recently received a letter from a collection agency demanding I pay the sum of £419.42 in relation to council tax owed to Plymouth City Council from 2011. I have sent a number of emails to Plymouth City Council asking why I owe this money. After completing my degree in 2011 I was forced to sign on and claim housing benefit as there was no suitable work available. My degree was a complete waste of money, but that's a separate issue. After sending and receiving a number of emails they have eventually told me that the reason I owe the money is down to the
  8. Hi When I was at university as a single mum, I claimed income support, which you're entitled to do. This was back in 2001-2004! The DWP have contacted me a couple of times over the years saying I fraudulently claimed and didn't declare I was a student. I absolutely did and in any case I would've still been allowed to get income support. They have now written to me to say they have asked my employer to commence deductions from my earnings. The debt is over £11,000! My understanding is that a debt becomes statute barred after 6 years so are they allowed to take this form of
  9. Good morning I have returned from a weekend away to a CC Claim form with Lowell Portfolio 1 Ltd as the claimant ... They state it to be £150.23 to Avon cosmetics, but I cannot remember such a debt and if there even was one it was around 5 1/2 years ago! I never received a default letter from Avon (they say in the claim they sent an assignment in 2015) but I can honestly say, I never received anything. They are claiming #150.23 + #12.02 (8% interest) + #25 court fee + #50 legal representatives costs ... total is #237.25. My husband just says to pay it (
  10. Vodaphone sent me the wrong phone in January 2016 as an upgrade, they sent out the wrong phone so I sent it back. Unfortunately the phone got stolen in transit and this was proved with the weight recorded on the receipt that I sent to vodaphone. Everything was supposedly ok , until I noticed my bill were almost double than normal every month after this, I phoned vodaphone on May 2016 to find out why. The reason was that this upgrade they had sent had actually opened up a new account on the same name and address ect and were billing me double.
  11. Hi, I'm typing this from a tablet so it will be to the point. I got several texts from this company trying to bluff me into ringing them so I googled them, saw what they did and decided to ignore them. Next arrived 2 letters saying that I owed them £24,000 for an account they bought from HBOS! I've never had any accounts with HBOS and I do not know what the heck is going on! I've read that these parasites are in the business of phishing for debts etc. What can I do? Is there a letter I can sent them to get them to feck off? Thanks! Norm
  12. Blemain say I owe them £2946. I have had the loan secured against my house since 2007. They keep sending me letters requesting payment. I'm unable to pay the full amount so I'm wondering if there is anything I can do to setup a payment plan or to even get some of the charges removed They used to charge you when there was no money in the bank. My money used to go in Friday afternoon, and they always tried to take it in the morning. They also used to take it out before bank holiday etc they charged me for that, and they also charged me for every letter they have sent. Any idea what the
  13. I had a DRO last year which after closing my business down wiped out about £9,000 of business rates and other things such as unpaid tax and electricity etc. All well. We live, we try and if we fail we hope that we can pick ourselves back up and have another go. Now, today I had a letter from Rossendales they said I owe £1000+ for over payment of tax credit. There's no way I was overpaid. To my knowledge it was all signed off and all acccounted for in the DRO. I am trying to move on, not be dragged down by this crap and I will not let them affect me. What to
  14. I separated almost two years ago from my partner, we have a son together and had a jointly owned home. I had to leave as he wouldn't and i took only a car worth under £2000, he kept the home (which we had a loan against to which i paid monthly payments to), the homes contents and two assets worth aprox £1000. He has sold the home and made profit of £12,000 aprox, which i only recently found out about. I signed away my right to any financial settlement in the home on the belief that there was no financial gain made and in good faith. I had continued to pay my share of the loan i thoug
  15. This has just happened to me! Diid you pay DWF? im terrified. the police believed me that it was a genuine mistake so why am I receiving these scary letters from DWf. I didnt even leave the shop but CAB have told me I should pay the £150-seems ridiculous for a letter saying 'amount of goods taken- £0, amount of damage - £0 and security costs £150 Please help me I am not sleeping and do not want to go to court! After a self-scanning mistake (£3 vegetables unpaid on a £20 shop) the police were called and believed me that it was a mistake. There was no mention of RLP to pay but now
  16. Dear All, We recently started to receive letters from Lowell asking us to pay 487 for a 3 mobile phone contract. The contract was terminated in 2009 and the last payment was made via direct debit on the 29/12/2009, the first letter from lowell was received in november 2015. We were at the end of the contract at the time and they gave us the option to upgrade but we refused as we wanted to change provider , then the telephone line of that three phone was cut (from their end) and that was that. We never heard from three until we started getting these letters from lo
  17. Hi All. Thanks for the add to the forum. I realise the forum is littered with Stemologica threads, but I feel each case is individual so would appreciate help. I 'fell' for the free trial thing back in June and unfortunately got stung for £97.95 back in June. After a very distressed call to them, they agreed to refund my money if I returned the products within the 14 days, got proof of posting blah blah blah I did all of this. Emailed them the tracking numbers and awaited my refund....and waited...and waited... 6 months later, 6 fretful phone calls later they tell me they c
  18. Please help running out of options. Judge threw out our statutory declaration as out of time. No one will overturn judges decision despite all the evidence. We bought a car in 2011 from a neighbour. Registered and insured it. Two days later that car was stolen from us. The police were informed and took a statement for it to be reported stolen. They never found the car and it was never returned to us. The police told us to write off what we had paid for the car and cut all ties to it. We did this and cancelled the insurance we had. Apparently t
  19. I'm new here so I apologise if I'm posting this in the wrong section. My wife and I purchased a business a few years ago that we closed earlier this year. The seller tricked us into buying the business by inflating the figures and we fell for it. Anyway.. we have lost our entire life savings trying to keep it going and earlier this year when we had no money left we had no choice but to walk away as we could not find a buyer after trying so hard to sell it for over a year. We have a business loan for £45k with Lloyds which we have personally guaranteed (I've been told the PG is w
  20. Hello - some advice needed please. My son has filed for Bankruptcy and I owe him some money lent last year. I live on benefits. I own a house with a mortgage. What is the OR likely to ask of me? Thank you Damo
  21. I moved in on February 12th 2015. I received a letter relating to a debt of some £40 for electricity for 27/1 - 8/2/2015. My dad emailed them my tenancy agreement which clearly stated that I moved in after this date. They emailed dad back and pretty much accepted this as proof that this debt isn't mine and the matter is resolved. I received another letter over this and returned the letter. I put on the letter "not known at this address. please return to sender". That was March / April. I heard nothing and assumed the matter was resolved. I've now received a letter from LCS over this.
  22. Hi I really need some help with this. ebay CS I speak to on the phone are not listening, Paypal understand it and have been helpful, they have verified that I am owed money but unfortunately as it is complicated ebay CS appear not to understand and are refusing to help>>> story is I had two cases that I appealed and was successful in those appeals.... These are the 2 scenarios = Paypal transactions = 8th Dec buyer paid in = balance £50 29th Jan Payment Held paid out = Balance £0 29th Jan Hold Reversed paid in = Balance £50 29th Jan Dispute balance r
  23. Hi I recently had a small debt with Virgin Mobile which was passed to BPO Collections in Glasgow. I have recently paid this off in full and I got a letter from them stating that the Account was closed. However on the 1st of this month they took £15 off my Debit Card despite the Account being settled. I have rung them several times and despite there apologies and numerous promises to refund it I have still not had it refunded. Don't really know what to do next as I am sick of chasing them but I do want my money back. Any help or advice greatly appreciated.
  24. Hi there, Help! Scary letter arrived in the post HMRC Debt Management telling me that there was a judgement passed against me to pay tax immediately as well as court costs. I have only lived in the UK for 11 months and have yet to submit my first Self-assessment. Background: - Moved to the UK from South Africa in Feb 2014 started my own limited company - In 2007 I flew from South Africa to Isle of Man where I did temp work for one month before returning to South Africa. - Used my Isle of Man NINO to register my company however the VAT office would not accept that NINO. So my ac
  25. my account has been sold from a catalogue company to lowell i did not receive a default notice only a letter of assignment on my credit report the default date is shown as 14th October 2014 with a default balance of £2400 when i log into my catalogue account online there is a credit of £150 on 14th October 2014. Balance on the 13th was £2550 however after the credit the balance is £2400 - i'm told this is an administrative charge and £2400 is the alleged default balance. However on the 16th October 2014 the catalogue added this £150 back onto the account bringing t
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