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  1. First time poster here desperate for some advice after google has proved fruitless. This is a long ongoing story so please forgive the length and thank you in advance if you manage to read everything. I bought my first car 28/06/2018 from a car dealership in Hounslow, ATM Motor Trade. I found the car on Auto Trader, the dealer had good reviews and it was a good deal for the car that I wanted. The drive from my house was around 90 minutes each way but I was confident I was going to love the car. The saleswoman seemed knowledgable and friendly and I bought the car that day. I paid by
  2. I brought a 3008 Peugeot from hippo motors in July they have me A1 approved warranty for 12 months and that warranty ain't worth the paper it's wrote on I collected the car 21st July from hippo motors from up north got back to London after a few days noticed there was a shudder to the auto gearbox took and had a few other things that needed sorting like CD player which the warranty did sort on the 10/08/2017 after an arguement with them and they tried to refuse to cover labour costs I had to involve the finance company to get them to pay for the work that was carried
  3. 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
  4. Hi, I am looking for advice please. At the moment I am heavily in debt with credit cards and for a few years now have been making agreed payments to my creditors on a pro rata basis. Although no interest is being charged there is no way I will be able to clear these debts in my lifetime without either going bankrupt or an IVA. I am 67 years of age and an IVA would take me to 73 and having to live on the breadline for the next 6 years isn't how I had planned my retirement. I have a mortgage and a 2nd charge both on an interest only basis if I were to sell
  5. Hope this is the right place to post. My mother was diagnosed with alzheimers some years ago now and we have cared for her at home as much as we could but last year we had to put her into a care home. We have been trying to get her assessed for CHC funding so she doesn't have to pay for her care but we have been told lots of untruths and social services tried to find out how much money she has and if she owns her own house. We have told them that we will not tell them until she has been assessed. Now when she moved to the care home they said after about 6 week
  6. Hi All, Any help would be greatly appreciated on how I appeal this parking Charge, I paid for the days parking via the PayByPhone app but selected my previous vehicle in error (same make and colour in list with similar number plate!). As per the sticky post here are my answers to the questions; 1) Date of infringement: 17/05/18 13:24 2) Appeal lodged: No (I have however opened the web page to do so!) I also have not received an NTK. 3) NTK Mention Schedule 4 PoFA: N/A NTK not received 4) Appeal after receiving NTK: N/A NTK Not received 5) Parking Company:
  7. I ordered a 2 x sofas and 1 x armchair from Sofology on 30/08/2018 (cost inc delivery, furniture protection) £3783.50 of which £400. 00 deposit was paid by bank cheque card, the balance is due prior to delivery which I intend to pay by credit card. Due to the numerous complaints now noted with this company, as well as other high st furniture retailers, I want to be aware of what my consumer rights are if I encounter any of the complaints already noted eg, sagging sofa, poor quality construction, poor quality leather in terms of wearing excessively. I am sorry for the hypothetical que
  8. I am on the new style loan and after moving repeatedly I haven't had any contact since 2015. I now live in France and was wondering if anyone has ever successfully lost student loans? Would I be unable to return to the U.K if they have lost me?
  9. Hello, Long time lurker here looking for some help please. Thanks to the advice to others I have read here I have learned sooooo much! I defaulted on three credit cards in 2008 and have been paying £1 per month to each since then. They have all been sold on multiple times. Current situation: MBNA £17000 now with Capquest HSBC £3000 now with Robinson Way MORGAN STANLEY £8000 now with Cabot. I know I've been an idiot and it's all my own doing. I sent all three Cca requests on monday, unsigned with POs. What happens now? My token payments are due on
  10. I have a client initally wanted to pay for the extra work I done on their website, but after many excuses of paying the wrong person and not having the time it was clear that they did not want to pay. Can I change the passwords to the domain provider pending payment where I will change the password back and they can move to another provider. Am I allowed to do this ? I know I can not suspend the website as the payment is for extra work done on it and not for the actual website hosting.
  11. Hi All I would be grateful for any help received. I have been paying a debt management plan to pay plan since 2008. I am going to be made redundant at the end of the month and was thinking of possibly trying to make full and final settlements to finally get out of debt. After looking at some threads on this forum I thought I would see if this is the best route or should I look into a debt relief order or just continue in my debt management plan. Here are a list of debts below Barclays Bank £1,781.46 Credit Card Cabot Financial £163.91 Next Store Card Cabot
  12. Hi all, I came across this site googling a company called asset link capital 5, they have taken over my Barclay cc debt and I wasn't sure if it was a [problem] or not. I've read through a lot of posts and I'm intrigued and excited about the potential. Currently I am paying Gregory Pennington £183 per month(£38.50 in fees) £144.50 split between 3 creditors for the following amounts. The Dmp started mid 2014 Barclaycard Services £6,744.23 PRA Group (UK) Limited - Bromley £7,174.96 SCL Collections £4,413.73 I've just had a letter from ALC5 saying they have
  13. After the bad weather a couple of weeks ago, I noticed a damp patch on the ceiling in one of the bedrooms, and upon further investigation, several smaller patches in the back bedroom. So I went outside with my binoculars and had a good look at the roof front and back... I could see no damage, loose/slipped tiles or anything obvious. I got the step ladder out and pocked my head into the loft, and discovered that a load of the roofing felt has ripped away, exposing the underside of the tiles and batons. Contacted the buildings insurance and they arranged a roofer to come out and inspec
  14. Hi i am self employed on a low income and claiming Housing Benefit on a 1 bed (2 room) flat in an inner london brma. I have been renting one of the rooms out to a lodger on a permanent basis and receiving the 2 bed rate minus income deductions from the lodger. I would like to begin renting the room occupied by my lodger on a less permanent basis, to paying BnB visitors for weekend. Is this possible and what would be what is the best way to go about this without creating a change of circumstances every weekend that I have a paying visitor? All i can find is that there isn'
  15. Hi My partner and I got into a lot of debt after we became self employed in 2004. When things got bad we kept the company from going under by using personal credit cards. Credit was easy to come by; we had one credit card (MBNA) with a 20k limit, as well as several others. Following a heart attack in 2006 I had a Critical Illness insurance payout, and used much of the 47k to pay off some of the larger debts. However, when the credit crunch of 2008 occurred, business suffered and the debts piled up again. We took out a DMP in 2012, costing £50 month in fees and payi
  16. In simple terms i'm self employed and have been here since october 2010, up till October 2016 the tenancy was not in my name and was paid monthly but they moved out so at this point the landlord agreed for me to pay 6 months in advance because I was unable to prove enough earnings due to being self employed. I have renewed twice paying the 6 months in advance again so 18 months total but this time they want to put the rent up £300 a year and are asking me to pay £60 in advance to reserve. I'll be honest its doable but its a real struggle this time finding over £4k. Logically it should be
  17. I recently visited Brecon Cathedral and due to unforseen circumstances must have been a few minutes late back to my car. A week later I received a parking demand of £60 for Minster Baywatch Parking. I wasn't very happy but immediately paid the fine online. I didn't receive a confirmation email so checked on my online bank account and found the payment in Pending Transactions so thought all was ok. Four weeks later I received a letter saying I hadn't paid and now had to pay £155. It also stated that if I didn't pay they would forward the debt to a debt collection agency.
  18. Hi I wondered if anyone had any experience of this problem? I am negotiating with Mercer's to set up a reduced payment plan to pay off my debt to Barclaycard. They want me to take up a direct debit. I've been told by my debt counsellor not to give out my card details. I've told Mercers this and also that I'm afraid that they will take out more money than I have agreed on. They told me that it would be illegal for them to do this. I want to believe them and I am keen to get the ball rolling but I would prefer to pay by cheque but they have turned that offer do
  19. Hi - my wife recently applied to a local hotel for work as a housekeeper/cleaner. She now works full-time for the agency that supplies cleaners to that hotel and lots of other hotels. They pay only minimum wage but even so, I thought her wages were a little low considering how many hours she is working. On checking her own record of hours worked against her payslips, i found that nothing tallies at all and after telling her to confront one of her bosses about it, she was told that although her payslip tells her she is paid by the hour, in fact she is paid by how many
  20. I reserved a ring in a jewellers shop and paid a deposit. I was paying some instalments but then became poorly and am now not in a financial position to finish paying. A couple of years has passed by. I contacted the retailer [small, local shop] who said they have sold the ring and I can't have my money back. They'll deduct 20% from what I have paid so far and let me choose something from the shop. Where do I stand?
  21. I have long thought this is one of the biggest scans in the credit card/banking world. My questions is: Where is my money, that has left my bank account instantly, hiding, before appearing 3/4/5 days later on my credit card statement? Is it sitting in the credit card company's bank account, accruing interest whilst I am also accruing interest on the card in the time it takes for the payment to appear. I consider this to be up there with unfair charges and PPI.
  22. Today I got a message from Payment Protection Scotland about payment of PPI and to pay their invoice. I will start with how everything started. Back in March I had filled in a form about claiming PPI with them and heard nothing back. 2 weeks ago I got a call from the Bank Of Scotland's internal PPI team asking me about PPI, what credit cards I had with them, when I got them, was I miss sold it or did I know etc and the man said thanks for everything, I'll let you know in 4 weeks what decision has been made, he said if any payment of PPI is due because I only paid it for one ye
  23. I have a few debts left over from a marriage all of which I pay a certain amount a month to. About 3 months ago I started getting letters off LINK saying I'd stopped my agreement with them and why wasn't I paying them? It took me a while and several ignored letters and emails to work out it was from a Barclaycard debt (they must have bought it) and I had actually never stopped paying the agreed amount. However I stopped my standing order and set up a new one - Informing Link by email and letter that I was doing so . With LINK as the company and not Barclayc
  24. I started an important thread earlier today concerning a recent court judgment where a debtor was ordered to pay £7,000 in costs after losing his claim against Harrow Council and their agent; Newlyn. The background and Judgment can be read by way of the following link: http://www.consumeractiongroup.co.uk/forum/showthread.php?477808-Paying-the-creditor-direct-to-avoid-paying-bailiff-fees-has-landed-a-debtor-with-a-%A37-000-cost-order.(32-Viewing)-nbsp To ensure that the original thread does not go 'off topic', discussions about the judgment can be posted here.
  25. When the enforcement regulations were overhauled in 2014, they provided a radical change whereby, a debtor could repay their debt by way of a payment arrangement (usually over a period of approx 3-4 months). Such payment arrangements need to be set up within the very strict time frame outlined on the Notice of Enforcement. This period of time is referred to as the 'Compliance stage' and as long as a payment arrangement is agreed by the date and time given on the notice, an enforcement visit will not be required, and this will save the debtor incurring an enforcement fee of £235. The ‘com
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