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  1. Im in England now but all this debt was created in Scotland, 7 defaults are from 2010/2011, originally the debt was £20k. I have been on 2 payment plans a DPP and a token payment plan through Step Change. After a long period of unemployment i had to sell my house to relocate for work. Im now in a position to clear my debt. I owe 7 different amounts which add up to £15,600. I want to know if its possible to negotiate a reduced settlement figure for each debt. I wanted to do this myself as Step Change seem to have wrong info regarding the amounts i o
  2. I have been in a good job for more than one year now. I have been renting privately. Now i'm about to go and see about getting a mortgage. I checked my free credit report and i have a new default on my account. This is because Barclaycard has passed the debt onto Link Financial. I originally had 2 defaulted accounts with Barclaycard from 2011 and all my defaults are gone from my credit history. One was passed to Link in March 2013, Link wrongly put a default on my account at that time in 2013, it took a long time before they removed it. Now the other Ba
  3. Today i received this letter from a different Solicitors. What action should i take if any guys? As always i really appreciate your wonderful assistance. link LOC.pdf
  4. Hi, Sorry but this is my first time doing this so bare with me. I work for a catering company in which I load and unload stuff everytime with my own personal car. There is one sign that mentions of a 30 min loading time and there is also a parking sign in the exact same area. On the Parking sign it mentions that you can park up to 1 hour. I have been given a ticket by ParkDirectUK within the period of 10 minutes so this does not make any sense to me. At the time I was loading and unloading taking things to and from the car. I think I have been provided this ticket
  5. Hi,I'm new here. Without mentioning names, I bought car for 5.5k. described as"drives like new", immaculate condition" etc. Within 28days, red EML light come on, had it locally diagnosed as issue with electronic throttle and exhaust pipe seized shut. I immediately notified the trader, who largely ignored me. I consulted mechanics and was told the serious fault and I better be off rejecting it, under CRA 2015. I had written the dealer (independent garage) quoting my reasons to reject the car, gave them two weeks to issue refund, mea
  6. Had 250ltr of our hot water tank leak through the ceiling recently. There was a little damage there before (shower leaked a few years ago) but it was too much hassle to fix. Now the damage is much much worse. The insurance are paying for the flooring but are refusing to pay for the ceiling saying I've not experienced any financial loss because it was damaged already? Is this normal? Surely its like saying you can't have a new carpet if its wrecked because there was a fag burn on one corner?
  7. Hey. Newbie here.. Okay, Sorry this might be a long one as I don't want to miss anything out! So over the 26 years ive been alive I have got myself in a pickle; default city to be honest, mostly low-level everything combined is under 8k. I have just got a lump sum of money to pay off my debts to help recover my credit score so I can one day buy a house. Now checking my credit score I started going through one by one going to pay them off, I got to Lloyds and they have sold my 3 debts to two companies ( 1 is Credit Security LTD and 2 is Robbins way ), I have had th
  8. I am currently in a similar situation and wondered if you can give me a bit of advice. https://www.consumeractiongroup.co.uk/forum/showthread.php?472364-Advice-needed-Claims-management-company-court-case&p=5087639#post5087639 Like you i accepted a hire vehicle after a non fault accident and told auxillis/principia that i was not in a financial position to pay for a hire car myself upfront. I don't consider myself to be in a financial position despite savings accounts, as the savings are for a purpose and i didn't think that it was reasonable for me to go into my savings to
  9. Hello All , I have a an issue I was hoping you can advise me on ,I work in security and have been on same site for over 15 years and we have 6 security personnel and for the last 7 years I have been working nights. I am the night Supervisor and my shift pattern was 6 nights on and 3 nights off rolling roster and my opposite did 6 days on and 3 days off rolling roster , the other guards did a 3days/3nights and the 3 off. On March 2018 the building management changed and so did the security company and we got a "security manager" as well. The new building manager wanted a small change whic
  10. OFCOM have upheld a case against Channel 5 regarding the TV series Can't pay, we'll take it away. This case starts at page 41 of the OFCOM bulletin http://tinyurl.com/ycwlnaev In this case it would appear that although consent was given, OFCOM found that there was no 'Informed Consent' meaning that the complainant had not been given sufficient information to make a concious decision.
  11. The following is an extract of the news report published in the Guardian: https://www.theguardian.com/media/2018/feb/22/couple-filmed-evicted-channel-5-tv-show-win-damages-high-court
  12. This is the second case from the OFCOM bulletin and starts at page 78 http://tinyurl.com/ycwlnaev This case is (in my opinion) more serious than case 1 in that NO consent was obtained. Also it has disclosed that the Body Worn Cameras transmitted live audio/video to the film crew. The BWC were supplied by the production company so all copyright material belonged to Channel 5 rather than DCBL.
  13. Hi all Got myself in a mountain of unsecured debt so much as to a point now i cant afford the repayments. I'm resigned to a debt management plan as all the debts have been accrued over the past few years. Loans and Credit Cards are all currently up to date with no missed payments but that is going to have to give shortly as I'm close to breaking point. Been reading a bit on here and think im going to attempt either a self managed dmp or perhaps a charity one. Question is though how to start it? I do have a reasonable amount of disposable income so wouldnt ju
  14. Hello everyone. I'm seeking guidance on an invoice attached to my windscreen on 13/08/2018. I failed to display so ended up coming here for that mistake. I have not made any contact and I have already filled in the following. 1 The date of infringement? 13/08/2018 2 Have you yet appealed to the parking company yet? [Y/N?] No If you haven't appealed yet - ,......... have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] what date is on it Did the NTK provide photographic evidence? No NTK received yet 3 Did the NTK men
  15. I am arguing with Parking Eye over my stay in a hotel car park back in July. I paid £5 for up to five hours parking, not knowing that I could have given my registration number to the receptionist and parked for nothing, as I was using hotel facilities. I was meeting some colleagues for afternoon tea. I stayed for 2 hours 36 minutes. I got a Parking Charge Notice telling me I'd overstayed, miraculously found my ticket, and then noted that the machine had only printed £4.50 - I have no idea why, as I most definitely put in five pound coins, but of course, there's no way
  16. Hello all. I am hoping that I can receive some useful advice from some of you on this forum, and I thank you in advance for any assistance you can provide. I have recently been sent a PCN for parking in a pub car park. The letter states that I had been sent the PCN because "Whole Period of Parking Not Paid For" to which I was confused, as I had purchased a ticket to cover my stay whilst eating at the pub. I appealed the PCN (issued by Premier Park) via their online facility stating that I had paid for parking and that I believed I had paid for two hours duration. My appea
  17. Please can I have some advice please? My daughter, unfortunately has had some laminate flooring fitted yesterday by Pay weekly carpets. The carpets was supposed to be identical to the laminate upstairs. My daughter was at work and I went to the house to let them in. That morning they had tried to cancel saying the wrong laminate had been delivered and would she have another colour, she refused and they suddenly had the 'right' laminate. The laminate is nothing like the quality that she ordered and is 7mm instead of 8 mm. She has paid part of the cost so far. The comp
  18. I was in a relationship with a man who was both physically and emotionally abusive. He had used my bank account to commit fraud and HSBC held me liable for the debt from the fraud which is £9,566. I managed to find another place to move to and made sure I was virtually untraceable on social media and the internet. I never told the police about the abuse at the time for fear of him being arrested then released and onto me. However I did report the fraud to the police through Action Fraud and they replied a few months later saying that they cannot follow up on it as there is not en
  19. Hi, I work in sales and my contract was amended some months ago to give me 1% commission on all combined sales above a target figure. The target was designed to be easily achievable as my base salary was lower than I'd liked and I was effectively doing two jobs - both sales and IT. The commission became due so I requested it twice via email (no response) I then raised it again via telephone. I got sat down in a meeting with my manager and the finance guy, they tried to tell me it was not payable for several months longer and also that the company didn't have the money.. Aft
  20. Hello, sorry if this isn't the right place to post this. I am pay Grade 1 and am currently being made to do pay Grade 2 work and was wondering if this is legal or allowed? The work I am carrying out will take between 4-11 days I am an administrator and am currently doing the work of an assessor in another department because "needs of the business". My contract doesn't state anything about the fact I may be required to do different pay grade work if the needs of the business requires it, it just mentions doing work depending on the needs of the business, the pay is not mentioned
  21. Armed forces pay award 2018 - extra payments for personnel that left the armed forces after 1 April 2018 READ MORE HERE: https://www.gov.uk/government/news/armed-forces-pay-award-2018-extra-payments-for-personnel-that-left-the-armed-forces-after-1-april-2018
  22. I'm asking about holiday pay for my wife. She has a zero hours contract and today she has shown me her contract. The job was given to her by a friend. She was told the hourly rate was X amount (by the friend). The contract say the hourly rate is X amount (what she thought it was) but this also includes any holiday entitlement (12.07% of the hourly wage she is getting an hour). So if she has a week off she does not get paid anything for that week. She is working 40 hours a week and this oversight is costing her £5000 a year. She expects to be there for the best part o
  23. So far I have had several successes with Wageday Advance, Lending Stream and MyJar, and I still have several ongoing complaints with other pdl companies. With regards to Pounds till pay day, having read through a lot of the other threads its seems that as they were not based in the UK when I originally got loans from them then its quite unlikely to get a resolve. However, they have not even responded to my complaint, despite following their complaints policy. They have totally blanked me. My question is now that the 8 weeks is here, can I complain to the ombudsman based on this? that
  24. My vehicle was being impounded by the high court enforcement because of an unpaid contravention 34J Being in a bus lane. This was issued on 11/05/2017 and my vehicle was being impounded by Equita on 18/07/2018. Luckily I arrived to my car on time and after discussing with the officer I said I do not recall or ever heard of receiving a fine for being in a bus lane and if I did, I would always pay within 2 weeks. He checked the system and said 7 letters were sent over the period of 1 year, however I received NO letters! I am sure the address is correct where I am living, I trus
  25. Hello all, I've received a PCN through the post from Excel Parking, here's a brief explanation. My car parked in an area it had not parked in before and was not familiar with any of the parking. This was simply to pick up a takeaway. My car was advised by the takeaway that there was parking behind that is free after 6pm. So my car went after 6pm, only saw one car park behind and parked there for just over 20 mins. I (the keeper) have received a PCN from Excel Parking. Once this was received I had a look online and it seems they have been rather sneaky in this area. It looks l
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