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  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. We've been through all the usual probate etc for my mum in law who died Feb 2018. We've now received letters from the DWP saying my late mum in law may have been overpaid an income related benefit. They say according to their records and those of the probate there appears to be a discrepancy and want us to provide all her financial statements covering 2003 - 2013. They've told us not to distribute any funds from her estate (which we had already as it all went to my husband, before we'd even heard from them). They've said they can work on the figures they have and calculate the
  3. Last week sometime i was on my way to picking my nephew up from school, and at school hours the cars are parked almost blocking the road. I clipped a wing mirror , and my anxiety prevailed. I was too scared to stop so i carried on the the school . However i went back to the road it happened on with some courage ( possibly 20 minutes later ) and i could not make contact with the owner of the vehicle as it wasn't there. I know it's my duty to inform the police 24hours after an "accident" if details cannot be exchanged and i really didn't think anything more of it until today. A policeman wa
  4. Hi.. First post on here so please just let me know if I do anything wrong. I've been reading through all the letters people have sent to Harlands etc but not sure they're specific to my situation. I was going through a tough time financially and cancelled the Harlands direct debit without letting them know first which I acknowledge was a massive mistake and has caused some issues. After the fine raising in price to something daft like 60 quid, I sent them this that I'd found on here - Dear Sir/Madam I refer to my membership at Xercise 4 Less gym in Kirkstall which was
  5. I'm looking for some wise advice from those more experienced than I with insurance and subsidence claims. Our house (circa 1890 semi-detached) is on a small slope and had some evidence of small "historical" movements when we bought it 20 years ago. Very little has changed since, and a structural engineer didn't mention subsidence in an inspection 4 years ago. However, it seems the neighbour's house has developed cracks near the party wall in the last few years, and they seem to suspect OUR house is to blame as we are further down the (small) incline. They say they have inspection reports
  6. Hi all, Hopefully someone can help/advise. My other half has a couple of debts (mail order) on his Credit ref file which total £2.7k they are causing an issue on his file due to the amount (apparently), he has been paying them back at reduced interest free amounts for 4 years now and seems to be getting nowhere as the repayments are £13 and £20 per month. Is it worth making an offer for them to write off the debts if we were able to pay a certain amount? Is this do'able? and are they likely to accept at all? My family have offered to lend me some money to do so
  7. I have today received a CCJ claim from the Northampton County Court Bulk Centre, for a credit card that was held with HSBC a few years ago. The last statement I can find for the account is 2009, although the assignment to the DCA was later than that date. Having read through the forums for some advice (which is very handy and I'm very grateful for) I'm going to write to them tomorrow with a CPR31.14 requesting the agreement, default notice and the assignment. From people's past experiences, what are the chances of them providing this information? And do they have t
  8. A friend has received payment from MBNA for a miss-sold PPI policy. The advice slip attached to the cheque invites a telephone call to their offices, should there be any queries. This in spite of a notification letter, received some weeks earlier, stating that “This is our final response to the complaint” and referring the recipient to the Ombudsman Service, should the refund not be deemed satisfactory. If MBNA are granting telephone queries, would they not similarly accept written queries? Secondly, I have attached MBNA’s calculations by which they arrived at their refund
  9. Hi, Not sure if anyone can help, I took 2 secured loans out within a couple of months of each other in 2006/2007, the loans were with iGroup, via Easy Loans (which I understand is or was a broker) and both were for over £5k each. Both loans were settled within a few months, the PPI was added up front (if that makes sense), when I cleared the loans I paid all of the PPI too even though, as I understood it, the loans were for 5 years and the policies too.. I find it hard to believe that I needed to pay the PPI for 5 years x 2 even though the money from the actual loans w
  10. Hi All, Here is the story: I check my car daily to make sure there are no new noticeable scratches and I did it last night and there were none on my wing mirrors. After driving to work and parking on the road this morning, I pushed my passenger wing mirror in as always to prevent it being hit and noticed 2 pretty big scrapes on it. The problem: I have no recollection of hitting or scraping my wing mirror on anything, then it occurred to me that I may not have known if I had because I put my music quite loud when driving as it helps me focus. Then I started worrying that maybe I h
  11. Hi there, heres the story, I paid for an early upgrade online with ee. the cost was £251 including the early upgrade fee to buy out the rest of my contract and the upfront cost of the new handset. Now I ordered this the same day my new bill was generated, however my payment date for this bill is the 10th of each month, it was not due for another week so I didnt see a problem. in the after morning after ordering I checked the ee tracker to find news of my delivery only to find it `timed out` it couldnt find any record of the order number in other words. I phoned ee to fi
  12. Morning everyone. I purchased a HTC U11+ in November 2017 which was delivered on the 22nd December. On the 22nd January I noticed white lines on my display and contacted HTC to get the device repaired (I was at least one day over the 30 day refund period if the device is faulty). They received the phone on the 29th January and it took them three weeks to repair and return the device to me on the 19th February (despite them claiming a turnaround time of 5-7 working days). Today, I have noticed the same issue happening again, with white lines on the display and trail marks that fade a
  13. Friend of mine put his house up for sale with Bairstow Eves after they promised him they had plenty of people on their books looking for properties like his - Ha! He did receive a couple of offers early on but these were declined as too low. He then accepted an offer but the buyer pulled out due to not liking something on a Homebuyers Report. No other offers were received. After the 3 month contract was up he gave notice then put the property up for sale with another agent. Not long after this the person that put the original (declined) offers in came back. The buyer was told to
  14. In para 69 of the Supreme Court ruling in R (on the application of UNISON) v Lord Chancellor [2017] IRLR 911 SC the Judge stated "The case also illustrates the fact that it is not always desirable that claims should be settled" Would it ever be possible to argue that a particular case shouldn't be settled because it holds Public Interest? I noticed he didn't state it as a ruling but in passing Please, if there is a Case Law, I would greatly appreciate it. Thanks
  15. There is an interesting article in The Times Business section today about a possible debt bubble within the Debt Collection Agencies. Seems ironic! Search, using your favourite search engine, - The Times with "Questions are growing about a possible bubble in the debt industry" It claims financial experts are worried about the expansion of the debt purchasing industry is creating a bubble that will soon burst. They say that most of these 'toxic' debts have scant paperwork; time barred or belong to the poorest sections of our society. Therefore, they will find realising these pote
  16. Hi, New to the forum, so please be gentle - I'm not in a good place at the moment. It has taken me days to pluck the courage to seek help on this. This is a little long, but I'll do my best to be brief. Started new job role in September 2016, after being made redundant from a role I loved. In the December 2016 I started experiencing increased anxiety and OCD issues, visited GP and was placed on a waiting list for a mental health referral. After a telephone consultation with Mental Health Unit I was deemed low risk - I work, wash myself and generally 'function' like a normal pers
  17. Hi guys, new here and after some advice on a rather messy situation if possible..... Around 2011/2012, i was discharged from an IVA id been paying into as i lost my job at the time, was out of work for a lengthy period, and had no way of covering the amounts set. The IVA company handling my account told me the creditors would "probably" start contacting me again in pursuit of the monies outstanding. Some did, some didn't. After a period of around 6 months, i was offered settlement on a couple of these, which I accepted. As i wasn't being pursued by the other
  18. Hello fellow CAGers, I'm trying to help my Uncle here. He received a notice to apply for a warrant with a £300 debt. However, he paid the debt in full 2 days before the hearing. EON went ahead with the hearing and got a warrant. Two days later they (or their agents) created huge panic with my Aunt and Nieces when they used a locksmith to break into the house to fit a prepayment meter. The meter is on the outside of the house and easily accessible so there was no reason to break in. (I understand they may want to inspect appliances). My question is what
  19. 27 june 2017 bought 2.0t sidi vx line sri insignia 5000 miles on clock, paid around 17k for it, 9k trade in rest on 2 credit cards. dealer is 140 miles away from me - a very big vauxhall dealer. when i bought the car i started to notice a rattle, it really sounded like braked pads rattling, so i thought when i get time ill pop it into my local vaux dealer to get them sorted. however recently the rattling sounds got worse, it does it when letting clutch out, pulling away, travelling at slow speeds ie few miles per hour and did it when i went over a rumble strip i took the car i
  20. Hi, First post, just looking for a bit of guidence for a potential issue! I bought a used car just over a week ago (28th April). It was purchased from an independent car dealership and came with a 6 month third party warranty (A1 Approved). It's a 2007 Mini Cooper with ~100k miles. On Friday I was taking my daughter to nursery when the clutch failed somewhat spectacularly - the thurst bearing failed when changing gear on a dual-carriageway and damn near burnt the clutch out. I managed to limp it back home. I called the warranty company who advised me to take it to a local g
  21. Helping someone . I bought my house in a auction and knew the house was suffering from some sort of damp problem. I never had a survey done as there was no mortgage and there was a damp problem. I have managed to sort that out and will be having a damp course done in a few weeks time. However now some 16 months on cracks have started to appear on inside walls. These are vertical ones and are very thin. I have checked the wall above and because it has wall paper on cannot check if the cracks have gone up. I did however contact my insurance company wh
  22. Hi, I was recently travelling South-bound on the M1 and I got snapped at this location; (Unable to post links so co-ordinates are 53.671763, -1.548704) I was travelling at national(70) until I saw the 50 variable pop up, i slowly slowed towards 50 to reach it when i reached the smart displays above me, but I got snapped way before reaching the signs, by the HADECS 3 camera on the right hand side on the opposite side of the moterway on the north-bound side, I was travelling at about 60 during the snap, while still slowing down to 50. But it may of been a coincidence of speeding
  23. Blimey, it's been a while - hello lovely people! I'll save the recap of the last 8 years for another thread (all good though, largely thanks to CAG!) I was shredding old statements last weekend and noticed payments to Barclays Select (the revolving credit/loan facility they provided way back when) On the offchance I called Barclays PPI claim number and after a great deal of faffing around he managed to get a useable reference from the old statements (as the computer denied I ever hair a Select Loan!) After he admitted I did actually have a Select Loan he went through the mi
  24. As above I've got a Birmigham city council penalty charge notice for entering a bus lane. Its £60 or reduced to £30 if paid by the Christmas eve (merry christmas to me. I did drive in the bus lane but I just want to make sure it is being enforced correctly and that they are doing their bit correctly and legally, not trying to evade it or anything I just know these are likely done in bulk. For anyone that knows Birmingham city centre, it was St Martins Queensway. It was saturday afternoon and absolutely manic + my engine was overheating. Will be honest I've not driven
  25. Hi there! I am so pleased to have come across this group and see that I am not alone This is my first post and I have spent a good hour reading through similar situations, and feel a lot more informed that I did when I woke up this morning. I took out an overdraft with Lloyds TSB aprox 5 years ago for 1,500 pounds when I was living in the UK (I now live in Spain and have done for 4 years). To be perfectly honest, I foolishly became so involved in life here that I forgot about my overdraft in the UK. That was until the beginning of last year when my step-father called me to
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