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Found 25 results

  1. Hi i bought a very expensive watch from an online retailer couple of months ago and paid for it using V12 retails finance. 1 The watch was dispatched by them on the 19th of October 2018 however I received it after a failed delivery attempt on 24th October 2018. 2 After receiving the the watch I went on holiday for a few weeks and left the watch behind, I think it is at this point the watch stopped working or immediately before I came back. 3 On the 21st of November 2018 I notified the retailer that the product has become fault as its stopped working. 4 They advised me that
  2. I have a credit card debt being collected by wescot , I stopped all contact with them for numerous reasons and now they are sending letters to my mother in-laws house stating they know I live there , I don't and never have , surely this against the law
  3. I have a statute-barred loan originally from Lloyds which was sold to various debt collection agencies over the years. Today I received a letter from Capquest informing me that they are paying a refund from Lloyds into this loan account. They say: "Your Notice of Sums in Arrears, or NOSIA, should have been dated 1/2/2008 and you should have received it by 14/12/2008, so we're including a corrected NOSIA with this letter and refunding you £69. This amount covers the period between 15/12/2008 and 01/02/2018." My questions are, can they do this? Does this mean the loan
  4. Default Re: DVLA Lost details DVLA are still at it. My licence has been lost in one of the moves and I've had many. I had a couple of name changes after getting married, once overseas. when I ask the DVLA, apparently unless I can provide them with my 4 marriage certificates and 4 divorce certificates , plus dates of marriage and divorces, plus all the addresses I have lived (those I can provide in date order) and when I lived at them, they won't issue me with a replacement. I sent them reams of paperwork, plus photos, birth certificates and the
  5. Received a letter from a DCA acting on behalf of another DCA claiming that I owe an old credit card debt. Sent the prove it letter as I do not recall having this debt, they've taken best part of 6 weeks to come back to me with a letter that states they can prove the debt and have enclosed the signed credit agreement. Long and short of it, the credit agreement is signed by me and is legit, but it's for a completely different lender?!?! They've tried to obscure the lenders names so that I don't notice, but there is small print showing the lender, so i know it's not c
  6. A close friend of mine has come to me with an issue he has with these nice people. He is a very busy guy, so approached them to run PPI checks, he understand they take a wapping 35%. he had 4 results, cap one £160+, Natwest £700+ 300+ from another NWest and some other for £70+, He is YET to be paid out for the 2 larger ones, the other two sent the cheques to the claims guys, They called him up and informed him they would offset the smaller ones against what he owes on the other two, yet to be paid out, bear that in mind. minimum fees for the two lar
  7. Hi. I'll be brief. I have just sold my car and I am trying to cancel my insurance. If i had not sold my car I would have had to pay just another 2 months on the policy. Some idiot drove into me a while ago and though the car was not really damaged I was still quite annoyed and wanted the driver to pay for it somehoe and thought I better tell my insurance company to cover my own back. Silly mistake. I did not put a claim in, it was simply a 'notification' to let them know. I strictly said this. Anyway long story short, I called them 2 weeks ago to ask abo
  8. Good morning two months ago I got an e mail from scotcall saying that I owed 3 mobile £375 , I have been a customer of 3 for about ten yrs and to my knowledge I owe them nothing , I sent off my CCA request and my postal order and have not had a reply for six weeks , today I have received an e mail from scotcall Saying "in response to your request for a copy of the singed credit agreement , we have been advised by 3 they they are not available" how would I like to proceed, as I cant find a template letter in the library could someone perhaps give me a h
  9. Hi, I've found this after browsing another forum and thought I'd see if anyone here could offer some help or advice: Apologies for the lengthy story, I'll try to condense as much as possible, but any help here would be massively appreciated. Back in Feb this year I left british gas and was given a final bill that I disputed. BG told me to check my meter reads with my other supplier and that my account would be on hold while it was looked into. While I was doing this I got a letter from a debt collection agency chasing the debt. I called BG and was told they couldn't
  10. Hi, recently I hired a hot tub from a company online who delivered it for a week of hire and put up a small, open sided gazebo around the tub and secured it in place. I hadn't yet moved or touched the gazebo. The first day was OK, on the second day, I came home from work, and the gazebo had broken free of it's secure fixings and ended up on my lawn. The frame was in a bad shape and clearly could not be used again. I informed the "company" (by all accounts it's just one person) and told them exactly what happened. His response was that I should be charged for it. I still have the hot t
  11. I have now had my mortgage with Redstone for about 10 years. Recently I have had to move and rent else where. I informed Redstone by post. They wrote back thanking me for updating my information. I rented the house to some nice people and was able to pay my rent and continue paying the mortgage. I moved because the 160 miles a day was killing me. I heard no more until last Tuesday afternoon when I was informed by the people renting my house that the house has a LPA placed on it by the mortgage company. The LPA company are collecting the rent now!!! Redstone collected my mortgage payment t
  12. There is this bunch of local kids around the ages of 6-7 years, definitely not more than 8 years playing very very noisy football right next to our house. All sorts of swearwords flying around between themselves as they play and they kicking the football into big metal garage doors (they use that as the goal). It is a huge bang at every 'goal' (every minute) and they do this for about 2 hours on most evenings from 7pm till 9pm and on weekends in good weather also on bank holidays and any other school holiday times when they go on for even 5 or 6 hours. It is insane! The position of our h
  13. OK, here's one for you. My wife works in sales for a multinational. She travels extensively around the UK & Ireland and frequently clocks up business travel and accommodation expenses in excess of £1000 per month. He salary is modest and after tax etc. she takes home about £2100 per month. The company have issued her with an AmEx card which is in her name. This account, in her name, needs to be paid off at the end of every month. This means that from her £2100 take home on average £1000 is immediately paid to AMEX, if it is not then the card is frozen and she ends up having to fu
  14. Hi, I bought my parents a UK coach holiday and, as they're both pensioners, travel insurance which included cancellation cover as both have had illness in the past. Unfortunately, a direct family member became ill a week before they were due to travel and they decided to cancel the holiday and visit her instead. The family member sadly passed away 2 weeks later. The insurer sent out claim forms, these were completed and returned along with a death certificate which was required. Last week, the insurer wrote back requesting additional evidence for the deceased, namely the completion b
  15. Hello , Some background to my problem. I have been a Sky customer for a good few years on the old " anytime " package, with daytime calls as a add on [ £5 PM]. Last week we decided that due to us both using our mobiles & not using the daytime add on we would cancel it. Called Sky & explained we did`t use it so could we cancel it, they also offered us a lower price on our BB. All well & good until we get a letter informing us that we are now on the " weekend " package, this does not include evening calls or international calls as our previous package
  16. Ok, this is a long one so I will keep it as concise as possible. To try and avoid paying out an agreed £5,400 in miss-sold PPI, HSBC decided to illegally register a £9,000 debt in my name so that they could pay the money directly to Metropolitan. This was done in July 2011, two weeks before I was due to be filmed for Dragons Den. The result of the registered debt was that I am still unable to raise any finance for myself or my soon to be closed company and I have lost patent applications worth an awful lot of money. I am in the middle of investigations by both the FOS and t
  17. I really hope someone can help me here as Sigma Red and HL solicitors are driving me insane. I had a debt owed to virgin media and was referred to these two companies, fair enough I owe the money so on the 19th of March I setup a payment plan with payments place, initial payment sent of £15 with payments scheduled to go out on the 18th of each month. I had an email on the 14th of May informing me that Aprils payment was a few days late (it went out on the 23rd) the plan had defaulted and they would collect on the 18th of this month. On the 19th of this month I
  18. B-I-L had an accident two days ago from what ive heard he came through a junction on green at which point another car came through the other side on red and hit him at about 40mph, he ended up in A+E with no serious injuries in the end (had to be x-rayed etc) but large amounts of brusing and side pains at the scene the woman said in front of witnesses "sorry i was on my phone and didnt see the lights" this was infront of BIL + His brother + people from the car behind fast forward to yesterday and shes told her insurance company that it wasnt her fault, BIL says that if the witne
  19. I've requested a refund for DLC (and have said there is nothing in law that requires items to be insured PLUS the FSA quote "a borrower should not be refused a loan if they choose not to buy an insurance policy" - therefore an unfair term), OSC and all Charges (which totalled just over £2200), but after sending a Letter Before Court action, giving them more time, I still haven't heard anything. So I'm preparing Court papers now. Has anyone taken Brighthouse to Court, or do they fold prior to this happening? I'm curious about my argument with DLC, do you think I could argue this effectiv
  20. Evening CAS Any advice from you all would be helpful. Thank you in advance. I will keep this short. My previous employers are in breach of my employment contract and I will shortly be writing to them to advise them of this. I suspect they already know but think I won't do anything about it. (They are an extremely small business - and I did have a contract of employment but they asks me to leave or "call it a day" as they put it, no formal grievance just my face didn't fit anymore). Although my contract says 3 months notice must be given either way. They haven't paid me (o
  21. Hi guys, just a light hearted piece of advice needed, im having a classic head says one thing heart says another, i know the ultimate decision is up to me but what would you do. Im 29, Not very fit anymore at all, I used to play a lot of football (goalkeeper) from the age of 6-22 then stopped, have always missed it so looked at getting back in to it, Had my first 90 minutes the other day, i did ok, but the problem is obviously after/the next day, I had aches and pains and places i didnt know existed. I guess throwing 16 stone through the air and landing on elbows, back ect.. will do that.
  22. hi, ive been in my home now for few months When I first moved in I did whats were ment to. called up Scottish power (my choice) to get the gas and elec sorted out in my name. Not that easy, got the gas sorted out no probs and they are my supplier. However they then state that SSE (Scottish hydro) are the ones that have the electric and wont swap over due to past debt. but ive never been with them. so I then get 2 letters both from sse. But one is addressed to a Mrs A S????. And the other is for The council. confused to say the least. especially as both bilss
  23. Hey, I ordered a new three sim only deal 3 days ago and it arrived on Saturday morning, the deal included unlimited "ultra-fast" internet, 5000 text messages and the same amount of minutes -great I though however once I opened the sim card and tried the "ultra-fast" internet in my handset it became apparent that the service was in fact slower than my existing Virgin service. Thinking this defeated the object in buying it, I decided to call 333 and exercise my rights to return the sim and cancel the account however this was not as easy as I though - basically because I had opened th
  24. well good morning all. just got up and found out i've got an alert from Equifax. so i logged in to find that Capital one have done a search on my file , shock horror, fire and brimstone the little b****** . why am i so upset the answer is I DON'T HAVE AN ACCOUNT WITH THEM OR ASKED FOR ONE. so my question is how do i get this search removed as i've not given them permission to search my file. thanks
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