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Found 202 results

  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 bank transfer (stupid looking back) and drove the car home. Already on the drive home there were some minor problems with the car not wanting to change into third gear which I put down to my inexperience in driving it and figured I would learn to do it properly. I was also trying to be eternally optimistic and hoping the car was fine despite my instincts now starting to say otherwise. I got into the car the next day and the check engine light was on. This concerned me enough to get the bus to work but I also called the dealer to explain that the engine light was on. They said it was just an issue with the emissions on the vehicle, there’s nothing to worry about and it’s safe to drive. I asked for this to be put in writing for me - already losing my trust and sensing the worst - but that was declined. Having lost all faith in the dealer, I decided to take the car to a trusted mechanic for an assessment. He plugged in the diagnostics computer and also did a thorough check of the vehicle. The number of faults that came up on the computer was higher than 20 and that’s without the physical issues that were found: holes in air pipes, badly worn brake discs, a puncture, even the battery wasn’t attached properly. I took photographs of all of the evidence on the diagnostics computer and areas of the car where the faults could be seen and then the mechanic and I decided it would be best to wipe the faults from the cars internal computer to see if they would recur. I emailed the dealer that day with the evidence I had and told them I would be returning the car for a full refund under the Consumer Rights Act. Initially they tried to offer a repair or a replacement instead but as you can imagine I had no faith in them at this point. Eventually they agreed I would return the car to them. I did so on 08/07/2018. I had driven the car a total of three times - two of those being home from the dealer and back again. The saleswoman was the same person who sold me the car and after much resisting sent me a text message to say that I had returned the car and could expect a refund in 14 days. After the 14 days were up I received an email claiming that there were no faults with the car, they claimed they had driven it everyday with no issue and it was “functioning” and therefore they would not be offering me a refund. They also would not return the car to me but only offered a replacement vehicle. I declined this offer and stated once again I wanted my money back. I have not heard from the company themselves since this date. I ended up escalating the issue to MCOL. The dealer did not respond to the service of the claim, a judgment was made against them and then I finally sent a county court enforcement officer to collect on my behalf. In the meantime the company (a limited company) changed their trading as name therefore rendering my paperwork and claim invalid as the company “no longer existed”. I did not know when I made the initial claim that they were a LTD company trading under a different name. Initially the name was ATM Motor Trade which they changed to Quality Motor Trade Centre (the irony!). I made a request to the court to change the company name on my paperwork and reserve the papers. I have since discovered they have now opened up a whole new business and are trading under this name instead! I am now at a loss for what to do. They currently owe me £2500 which I borrowed in a loan from my bank. I can not afford another car as I’m repaying the initial loan and I’ve been forced to revert to public transport (which is horrendous in my area). It seems they will do anything in their power to avoid paying and are obviously skilled at avoiding the courts. Any help would be much appreciated. I once again apologise for the length of this and thank you for reading.
  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 out but the gearbox never got sorted and the shudder has got worse in 1st and 2nd gear I therefore contacted A1 spoke to some unhelpful person called jack explained the gearbox has a shudder which I reported within a few days of having the car and it hadn't been sorted but was getting worse he told me to take it to Peugeot find out what the problem is and then call them back so I go to robin and day they test it and say it's the clutch or gearbox but won't no until they take the box out for sure so we call this A1 approved warranty back explain it all to jack who then says it will be classed as wear and tear it's a joke people are paying thousands for cars that need work done to them and given useless warrentys that are worthless I have now have to contact my finance company for a 2nd time as I don't see why I should now have to pay £1300 on top of the cost of my car that I have only had a few months I would tell anyone to stay clear of hippo motors in Blackburn and A1 approved warranty both are a con company
  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 these loans outstanding for 3 years or so and they have never contacted me ( got 2 letters from credit security but nothing from robins way ) i only found this out ringing up Lloyds, the default shows up on my credit file from Lloyds and that's it. Do I contact these people or not? I can't remove the Default either way so what should I do? and if I don't do anything that can happen, the amounts of these are £1525. £870.00 & £1800. This is where my second question comes in, my old phone contracts ( yes I was stupid ) have been sold to Lowell, now I never ever saw them as a threatening as they would send letter after letter and that's it nothing came of it for a few years ( back from 2014 2016 2017), stupidly when I decided to set up a DMP a year ago it classed as I made contact with them ( so resets the 6 year time frame ), now they have now left 3 defaults on my credit file, why is it under THEIR name and not orange etc like the Lloyds? I paid them £50.00 today and going to call up to pay a payment plan, I do have enough money to pay them all off today but is it worth it or just paying per month and keep some money aside? (it's 2400 altogether), now reflecting back on that should I of paid them or just ignore them as it would have got written off? Why have THEY put the default on my account instead of the business itself and not the other company that's taken over my Lloyds account? Why is my Credit file showing nothing of these other debt companies, if it is not on your credit report does it really matter? Sorry, I'm a little bit of a newbie at this! I know when default goes on your credit file it stays there for 6 years and there is nothing I can do about that.. right?
  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 then there wouldn't be a great deal of equity left. At current property prices I would be lucky to come away with £8k which wouldn't make much of a dent in my credit card debt. This would leave me penniless as I have no savings and no personal life insurance. I had planned to pay off the mortgage by cashing in my stocks and shares but the banking crisis wiped these out and what was left was sold to service my credit card payments following me losing my job on top of everything else. I would like to sell up and go live in Spain where property rentals are very reasonable and I could manage quite well on my works pension and state pension. I am not one to shirk my responsibilities and would try to continue paying off what I can but I don't want to start afresh with absolutely nothing. If possible I would like to keep a £4k cushion out of the sale proceeds of my house for contingencies such as funeral costs as I can't expect my siblings to pay for this and I have no other family. Most of my debt has been sold to the likes of Arrow Global , Cabot etc. I reckon they only paid a small percentage for taking on the risk. Is there any point in me appealing to their better nature and asking them to write off my debts or should I go down the route of an IVA? If I go for an IVA can I sell my house during it and then go live in Spain and just continue with the payments or would it be best to sell now and then go for an IVA. Sorry for the lengthy dialogue but as I don't have much of a lifespan left I would like to spend it relatively at peace.
  5. hello all I have a charging order on my property which I am now in a position to pay off. I have written twice to the charge owner to ask for a settlement amount however they are not answering me. To get this paid off, what can I do now?
  6. 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 weeks they would look at the assessment when she has settled in. We were paying around £150 per week and the council was paying the balance. Approx 6 months later mom broke her hip and I arranged with the lady who does the CHC assessment that after about 6 weeks when mom settled down she would do the assessment. She never got back in touch. 4 months later I get a call saying that the care home has been told that mom should have been self funded since she moved in and I was going to get a large bill £38,000! The council had been paying it by mistake they said and took all the funding back. I played my face and went in to see them, I told then about all the fobbing off and nothing being done for 12 months 2 days later the CPN came to see me to go through moms needs(I was prepared for her, with a few aces) they tried to downplay moms needs, clearly trying to say she didn't trigger the full assessment. I was asked to pay the balance (I paid £10,00 a few days earlier) I refused until I had the results of the meeting. I did pay another £9,000 so I could be seen as paying half if it went to court. I had a call today from the care home saying that they had talked to the CPN and they had rethought on what I had said and they had changed the one from a B to an A (primary) and a C to a B (this pleased me. She then pushed me to make payment. I said i think it was ok but had to speak to a solicitor friend of mine before I confirmed on Monday (my turn to fob them off) Now I have a problem, if I pay them the balance mom will have about £5,000 left in her account plus her house, she has household bills and other house related costs even though she is not living there. I don't want to pay the balance. What is the best action to take? Do they have a right to make us pay it all straight away? I think its very unfair as its not our fault but the council that has put us in this position with such a large amount to pay in one go. Thay have said if I don't pay then they will serve 28 days as I signed a contract when I moved mom there and she would go on the at risk register and will be moved. I really don't know what to do
  7. 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: SIP Parking Limited (SIPcarparks.com) 6) Car park: Tariff Street, Manchester. (Code 88841) I was parked legally in a marked bay and paid for the parking upon arrival, unfortunately I used my previous vehicles registration number. I have a history of using the car park on a monthly basis with receipts / records of each parking transaction and Reg number they are against. If paid within 24 hours: £35 7 days: £50 14 days: £60 Any help would be greatly appreciated! Thanks
  8. 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 question but I want to be forewarned as to what steps I should take in such circumstances and under what act etc. Many Thanks
  9. 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?
  10. 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 17th - do I keep paying? Thanks so much for any advice. This site is brilliant! Gettingmyselftogether (I'm giving it a shot anyway!)
  11. 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.
  12. 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 Financial £359.15 Store Card Cabot Financial £588.19 Bank Overdraft Hoist Finance £248.14 Store Card Hoist Finance £1,160.59 Credit Card JD Williams £654.43 Fashion World Catalogue Moor croft £533.31 Additions Catalogue Moor croft £2,449.34 Halifax Loan Moor croft £572.96 Credit Card NCO Europe £1,710.74 Little woods Catalogue PRA Group £1,940.82 MBNA Credit card Paragon £1,246.38 Virgin Credit Card Paragon £418.93 DFS Sofa Santander Cards £1,034.55 Credit Card Total £14,862.00 Ive checked my credit rating online with noodle Paragon Virgin Credit card not default that I can see Pra Group Mbna Credit Card defaulted 30/11/15 Barclaycard defaulted 15/06/17 Arrow Global Additions Catalogue defaulted 01/04/14 JD Williams not defaulted that I can see Shop Direct Finance - Littlewoods not defaulted that I can see The rest don't seem to be showing on my file anywhere. Thanks in advance for any responses
  13. 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 appointed link financial outsourcing to service my account, it had an accompanying Barclay letter of confirmation. My main question was around servicing the debt myself thus saving on the fees. From reading other posts I can see there is a process first regarding sending CCA and SAR. I'm not exactly sure what these are, I get the main gist that I'm trying to establish whether the debt is enforceable or not. I'm unsure of the process. Do I stop paying the DMC immediately and inform them I'm sorting myself? And is it the DMC I send the CCA/SAR too or the original creditors? Also the ALC5 letter, does this mean Barclay have sold my debt to them? Sorry for so many questions in my first post.
  14. 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 inspect things, and give them a report. This report is looking very unfavourable, currently awaiting a copy of it and the pictures he took. From what we've been told so far, he's claiming that there has been water getting into the roof space that has damaged the batons causing them to sag in a few areas. He's claiming that this is because the overlap on the tiles doesn't meet the current 75mm overlap. But refused to answer my question about 'when' those regulations came into effect... and he's also offered the 'theory' that there could be condensation occurring. But is admittedly guessing in that regard. My house was built around 51/52 and the only building regulations I can find are the ones that came into effect in Feb 1966, these were the first ever national building regs according to my 'limited' research abilities. I contacted the national archives to see if they could help, but it's not the kind of info they store and I should try a local archive for my county. It's worth noting that the rest of the roofing material not damaged, looks in near perfect condition. The overlay on the tiles at the bottom of the roof and at the top varies between 70-85mm, but it's the areas were the batons have sagged due to moisture that the overlap is much lower... He told me in person it was as low as 45-50mm, but in the report he's claiming it's now 25mm. We are now faced with the prospect of a 4-5k repair bill if the insurance refuse to cover some or all of the cost. The tiles are reaching the end of their lifespan of 80yrs being around 66yrs old now, and it's in the best interests of the property to replace them with newer ones. So what I need to know... is what to do next if they try to avoid helping with the costs... We're quite prepared to contribute to the cost aside from the excess of about £250 we'd be happy to pay for all of the replacement tiles and even include some roof vents 'just in case' there has been condensation... Er on the side of caution rather than risk the 'theory' being correct. From some rough figures I arrived at (approx meter squared area and tile coverage per mt squared. I estimate this to be in the region of £1000 with between 1000-1200 tiles required at an approx cost of 74p per tile (if ordering more than 500).. I worked this out from the rough footprint and then added 20% to account for roof pitch. Approx footprint is 70-75m/s and around 15 tiles per m/s. Roof vents are around £15-18 each depending on type and I assume I'll need 5, 2 front, 2 back and one for the small porch. What are the procedures I need to be aware, do we have to follow a complaints procedure, should we get independent reports done... If they point blank refuse to pay anything... who do we take it too next, and because of the risk of further damage due to the current state of the roof... should we have the work undertaken to current building standards and then pursue some form of recovery of some of those costs. I'm actually lucky that I had my c/irESA claim sorted out and backdated 3 yrs recently... so I've got a little cushion to cover some of this expense. But I'd need to borrow the rest from family as a loan to be paid back. Right this moment... I'm not panicking... that could change very quickly if things look bleak.
  15. 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't any distinction at all in the regulations between a lodger and a temporary BnB guest - a 'lodger' is defined as 'someone who is liable to pay you or your partner rent, on a commercial basis, to live in your home'. There's no clarification on what 'to live in your home' means, and this means that it's quite possible that any paying weekend guest will be treated the same as any other lodger, and this may potentially mean that I have to notify the council of a change in circumstances frequently. Could i incorporate the business' under my self employed umbrella that does not interfere with my award which would be single occupancy with 1 bed LHA.? Would really appreciate any concrete info please. Thanks in advance.
  16. 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 paying our creditors £5pm, and £20pm to HMRC for Tax Credit over payments. Total monthly bill £150. I have been reading the CAG debt forums recently and this has given me the confidence to cease paying the DMP company and have a go at dealing with our debt myself. I have SAR'd the DMP and hope you can help me going forward.
  17. 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 no different to paying monthly but it just doesnt seem to be feel like that. Flat will need decorating if he wants to find a new tenant I think. Now ive been here nearly 8 years and in that time ive had nothing done, its all starting to look a bit tired in here. But I think ive been a good tenant, im not Hyacinth by any means but ive not trashed the place at the same time and the rents always been paid etc. I guess what im wondering is where I stand legally if I want to stay on?, I know that usually an agreement goes periodic but how does this work with 6 months paid? If I dont renew will it just carry on as is? Ideally i'd like the reduce the amount due and increase the payments per year, even quarterly would be better than 6 monthly. Surely if it goes periodic they could allow a bit of room on how often payments are due?. I did pay a huge deposit. I'm just sure even if they did agree to change it there would be a huge fee for drawing up a new agreement. I have about 6 weeks so I need to get this in order I think. Have pasted the email minus sensitive info. As your current tenancy is due to be reviewed on ...Late April 2018 we are delighted to inform you that you landlord is offering you a further fixed term of 12 months at a rental of £@@@ payable in advance half-yearly for the term. In order to secure your new fixed term tenancy term please call us on 00000000000. There will be a charge of £60.00 (inc VAT) required to cover the cost of this service which can be made via debit card. We are also available should you need to discuss any changes to the proposed terms, our office hours are Monday to Friday 9am to 5.30pm. Should you be intending to vacate your property at the end of the current tenancy term then please email confirmation of this to email address including details of your forwarding address.
  18. 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. You cannot contact the company by telephone so I telephoned my bank. They said that if the money is is not collected from the account, the pending transaction will disappear without trace. I then paid the £155 bill online as I had no proof that I had previously paid the £60 online. I feel that Minster Baywatch have deliberately not collected the payment from my bank so that they could then almost triple the charge without any comeback on them. I wondered if anyone else had had this problem and what if anything they could do about it. I have emailed Minster Baywatch but had no reply
  19. 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 down. Are they trustworthy?
  20. 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 rooms she cleans. 2 rooms = 1 hour. However, each room can take her up to 45 minutes so I think that she is therefore being paid less than MW. The company is quite big, i think, and employs a large number of Moldovan/Romanians (my wife is Romanian) i am concerned that they are exploiting a large number of people. Now i am unsure about who to approach and of course, if I am right at all - as a large company, perhaps what they are doing is completely above board? Any help at all would be very much appreciated. John
  21. 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?
  22. 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.
  23. 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 year, he told me that over the phone I only paid PPI for one year then it would be paid into my account and if not a letter would follow explaining why not. I don't check my bank account everyday I had no idea about this payment. I called the Bank of Scotland and they confirmed that the payment was made by them into my account for the PPI I am owed but they can't comment on any agreement made between me any other party. they want me to pay over £90 in fees and I don't know what to do. I don't know if the man at the Bank of Scotland phoning me was to do with them or if it's just their own internal team making phone calls to customers. I don't know what to think or do.
  24. 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 Barclaycard. The link letters keep coming, I have double checked and I definitely AM paying them the right amount, all the codes and account numbers are right.. . yet the letters demanding money each one is worded differently, keep coming. I've had one today saying if I don't phone them to explain why I'm ignoring them and NOT paying them in 7 days they are taking me to court. They have completely ignored every email and letter I've sent to them. The only thing I haven't done is phone them. I don't want to phone them, as in my experience its always a very unpleasant experience. What should I do? I've never experienced anything like this before - that I'm paying yet they're harassing the hell out of me. While completely ignoring any letters of emails I've sent them. Any advice? (the Debt is £486) thank you!
  25. 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.
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