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  1. Hello Consumer Action Group! Having a bit of trouble with what I have found out to be a gym contract. The timeline of events is as follows March 2018: Was given an introductory Jiu Jitsu lesson at Gracie Barra Barnsley. After this I then paid £60 up front and signed a direct debit mandate so they could start one with my bank. They specifically told me this is not a contract and only like one in that fees can go up if I want to go to more advanced classes. August 2018: After attending for 3 months I was unable to continue due to other commitments and the fact that the schedule th
  2. Dear All, In the Courts and Tribunals Act 2007, it is suggested that once a warrant is issued against the debtor for a parking offence, then the vehicle cannot be sold or disposed of prior to levy or removal, until the debt is cleared. This of course leaves innocent people like Ethel and Albert two pensioners, having purchased a vehicle from London with outstanding parking tickets in a terrible and disgusting position. Along comes a bailiff with ANPR and removes the vehicle. The bailiff then states that the vehicle is subject to outstanding parking tickets, they will not return the
  3. Hi everyone, I would appreciate your advice on this matter. I received a letter from Newlyn about a month ago regarding an overpayment of housing benefit from Newham Council, amounting to around £2200. I contacted them straight away asking for details, as the council has never written to me at my new address. Newlyn said they didn't have any details, as they had only held the account for several days. I then started getting phone calls every couple of days. When I couldn't come to the phone, they would leave me a voicemail and I always returned their calls.
  4. i took out a loan with first national several years ago, and in the process of claiming back charges they applied to my account with them, what i am not sure about is i settled the loan off before its end date, and going over the statements have come across a section where they have added on future charges, after speaking to them it turns out to be because i had settled the loan off early they added the interest onto the settlement figure if it had run its course, after taking the rebate of left a balance of £546.36 intrest to pay on top of the loan, this been the interest they would of made
  5. Please would any member be able to assist with the following issue that I am having with Clydesdale Finance who have changed a default date with Experian Credit Expert which has greatly affected my Credit file. The issue is: I had had a debt that should have expired 04.01.16 after 6 years, I was eagerly awaiting this to enable myself to move forward with my own financial plans. I recently checked with Experian Credit expert to make sure that my score was still at 999 and that the expected bad debts would disappear from my personal report. I was amazed to see that my
  6. Hi everyone, After graduating uni I have applied to a Master scholarship and I have been given one. The university agreed to pay for my full master course and I was to cover 350 hrs of internship during the whole year course. A few months into my degree I had to defer due to health issues. At the time they were encouraging and advised me to freeze the course for a few months and then decide if I want to come back depending on how I feel. When the time came I decided to not continue it and as they heard this they told me I have to pay for the first semester as I did
  7. Hi any help would be great, Im at my wits end. Back story - 7 years ago I was finished from my job on health issues, was put on ESA, but then taken off because of their incompetence ( thats another story). Anyhoo , long story short, gained around £10000 in Mortgage arrears and when to court for an order of possession , which was suspended....had a few bumps along the way , but ironed the out with Mortgages PLC, we have so far payed back £5000. Just 2 months before Christmas last year, missed 2 payments due to lack of funds, car issues etc...Morg PLC sent out an advisor to see what w
  8. Hi We used to have a mortgage with Mortgages PLC. They added lots of charges over the years, so awhile ago I sent a SAR and realised there was substantial charges i could possible reclaim, maybe between £500-£1200. I sent a letter asking, they said no and that I had six months from the letter to take it further. Due to various reasons I didn't carry on at that time. Now maybe 18 months later I would like to know if it is possible to try again or does that letter mean I have lost my chance. Does the 12 years still apply to reclaim charges too?
  9. CAG... I write this with good intentions but its becoming more and more apparent that ignoring DCAs is becoming a bad idea. Just like the case of Harlands / Zinc and Court, It appears Control Account are issuing claims. I attach the following example... The debtor of another site, which i will not mention was told to ignore Control Account PLC and is now being advised to try and get unequivocal proof of who the legal manager is, statements etc... Its becoming apparent that DCAs that are normally dont even consider legal action are now attempting it. There is a way to deal
  10. Hi I have a letter from Moorcroft Group PLC saying they are attempting to contact me (my name and address are on the letter) regarding a personal matter and my address has been provided as a possible address for their customer. It advises me to call them if it is me but also to call them if it isn't so they can update their records. There is a reference on the letter which means nothing to me and I am almost 100% certain I do not owe money to anyone that is not currently being paid. Is there any way I can find out what this is about without calling them as I am very reluctant
  11. hi, i made a purchase online for a set of dust filter for my computer from south africa to the UK, i made the payment and payid for shipping for £21, i assumed this was to take care of the import fees, i received the package, a couple of days later i got a letter from DHC saying i owe them VAT of £17, i emailed asking how they came to £17 and they replied saying that i was being charge £7 VAT and a £10 administration charge cause they paid the VAT when they picked up the package, this is the first time i've made a purchase abroad i wa
  12. Hi i would be grateful for any clarification other caggers can provide. LTSB Gold Service Payment application form circa 1990's. across the top of the application 'Lloyds Bank Gold Service Payment/Photo Card Application Form' underneath Credit agreement regulated by the Consumer Credit Act 1974. this is very confusing as part of the document states under 'Security' 'the overdraft facility made available under this agreement is unsecured and shall not be secured or treated as secured by virtue of any mortgage, charge or other security which i/we may have already give
  13. Today I got a letter off Control Account PLC demanding that I pay £26.18 for VAT and Import taxes. I do rember getting a letter off Fed Ex asking for VAT & Import tax a while ago but check eBay and ali express and there was nothing that I had ordered recently (6 months) from outside the EU and I cant even recall ANYTHING being delivered by Fed Ex. I wouldn't mind paying but generally don't they ask for the money BEFORE they hand over the goods and I REALLY cant find anything in my purchase history that matches this, it says not to contact FedEx so I cant even establish dates etc.
  14. Hi All, I received a PCN from euro car parks dated the 23/3/15. I ignored this as I was told this was the correct thing to do. Since, I have received correspondence from control account plc namely the last two were dated 29th May and 15th June respectively. The latter - "act now this wont go away" claims the legal department is now assessing my file with a view to commencing litigation blah blah blah... I was given 14 days to respond but I still haven't done so - mostly through ignorance and workload. I've read that control account plc can't really do much as its u
  15. Hello friends, First post so please excuse my very minor knowledge in the matter I need help/advice with. Lat week a bailiff from Crewe county court knocked on my door stating he had a warrant from the court regarding a ccj issued on behalf of United utilities water plc, I said I had no knowledge of the issue and he left, he left a mesage on my answer machine the following day asking me to call him. After reading information from various sites I decided not to call (unsure how I should have proceeded or what I would say) I came home last night and a letter had bee
  16. Hi Guys. Sorry if this has already been addressed but I am just looking for some advice. I purchased some items from Usa before Christmas and they were delivered via Fedex and they covered the customs and duty charge. The problem is they didnt tell me or inform me they had covered it so I didnt know I owed them money. I got a letter from Control Accounts Plc yesterday stating that my debt has be passed onto them via Fedex because despite previous letters I have refused to pay my customs and duty charge. The thing is I never received any letters from
  17. my cousin whom i had staying at my address for a few weeks while i was away and as since moved back to Scotland , ordered a monitor from ebay on his laptop. from korea. which was delivered to my address in west Yorkshire. he told me delivery was included in the price he showed me the invoice which read item $200 plus $100 shipping. he signed for the parcel from FedEx. i received a letter addressed to him from fedex . i opened it and it said he owed £52 for custom and tax fees, the others i posted back unopened writing on not at this ad
  18. Hey guys I got a letter ages ago from fedex asking me to pay some charges for something I purchased from america. Amount was £18.51 to pay, I ignored it and got a letter from PLC telling me to pay them instead of Fedex. What I'd like to know, is it safe to continue to ignore them ? No court hearing or any of that stuff as I can't really be dealing with that stuff as I am a Uni student. Can I just ignore them ?
  19. Hi all, This morning I received a letter from EOS Solutions UK PLC quoting a previous address trying to track me down. The letter requires me to phone them to discuss a personal matter. A google of the company has highlighted several people with issues with this company trying to extort money from them. Ive read they are a debt collection company so I signed up for Experian and checked whether I owe anything but my credit score is 999 with nothing owed. Should I ring them as asked or just ignore the letter and wait? Could they be phishing for details?
  20. In 2010 i went to university albeit for 3 months before i decided it wasn't for me. I informed the NHS Bursary on numerous occasions that they were still paying my bursary into my account over 2 years that i had left. I finally managed to get it stopped and i waited for contact from them to sort out a payment plan. I later moved to Yorkshire and only a few weeks ago i received this letter Letter Before Claim Re: NHS Services Authority -V- My name Reference no Amount outstanding: £5,522.96 We are instructed by our above named client with regards to the amount ou
  21. Hi Can someone please advise me on how to handle this debt? When I was at university I borrowed some money to pay my rent as my student loan had not been paid. My loan didn't arrive until the end of the academic year so after the late fees added on the amount owed came to £295, which I could not afford to pay. I moved house after finishing uni, about two years ago, but they have managed to track me down. I have ignored several letters from the university threatening legal action, and this morning I got a letter from control account plc threatening serious lega
  22. Help the CAG!! Download our toolbar Cagger since Jun 2006 I am looking for help with a claim against Mortgages plc, regarding the unfair charges applied to the mortgage account when in arrears. The original claim started back when claims for unfair charges with the banks were being to court. I followed this route and it ended beiing stayed in the courts for 2 years. It has taken a while to get it lifted, It was only when I was aware that the FSA were taking action against the mortgages lenders for unfair treatment. I made changes to the POC from a template from this
  23. I took out a secured loan in 2003 for £25k that had ppi attached. I had other policies etc. to cover my mortgage and 2nd charge in the event of redundance, death & critical illness etc. so do believe I will claim it back. I called Endeavour Personal Finance who told me that yes it did have ppi attached but I had gone via a broker called CT Finance. I called them and they said that since the loan was taken out prior to 2006 1. The insurance was brokered prior to the regulation of general insurance by the Financial Services Authority. 2. Central Capital Limited (the broker) w
  24. I am looking for help with a claim against Mortgages plc, regarding the unfair charges applied to the mortgage account when in arrears. I have filed a allocation questionaire recently, The claim is for less then £2000, but the defendants solicitors want the claim struck out and have also requested a fast track proceedure. The claim was presented back during the bank charges period and ended up being stayed. I managed after some time to get the stayed lifted and a new particulars of claim accepted by the judge. Mortgages Plc also claim that the account was with their
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