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  1. My son paid £6k for a car last week, a 2010 golf with 77k miles. He bought it from a motor dealer in London. His wife drove it down to my family in Wales, and on the 2nd day the car wouldn't engage D or R (auto-box) He contacted the dealer, relaying the issue from his wife. Unfortunately the issue has only worsened, and he decided, rightly in my view, that he was rejecting the car under the consumer rights act 2015 as it was less than 30 days old, and informed the dealer of this via email and phone-call. I am driving the car back to the dealer in London on Saturday morning
  2. Today in the post I received a claim form from TM Legal Services for a debt that I owed to payday loan company Lending Stream. The original address on the claim form had been crossed out in red pen and my current address was hand written in the box to the right of this. The date on the claim form is 10/10/2018, the date that is marked on the franking stamp on the envelope is 07/11/2018. I called the court and they advised I have received a judgement by default on 06/11/2018. I had started an affordability complaint with the original lender Lending Stream via letter on 01/10/20
  3. I have been living in my current flat for approximately 5 years. Firstly with a partner and recently by myself. During this whole time I have had a pre payment meter taking debt every time I top up for a previous tenant. Through my own laziness and stupidity I didn't pursue the issue. I tried to at first but couldn't figure out where to start and about a year or so ago the 'debt' being taken off was a negligible amount (approximately 50p-£1 for every £10 I topped up). However, recently the rate that the debt is added seemed to have escalated to £2-£3 per £10 topped up. I should have
  4. Hi guys need your help and advise, i had been claiming ssp when i was employed on my July wage slip there was a discrepancy of X amount short, had a chat with the employer he admited it was his error, he paid this back via Bacs in August, when i recieved my last wage slip September he had taken it back and marked as a deduct pay advance, when i asked about and said it wasn't an advance it was what you had miscalculated it his words where it is correct and inline with HMRC guidlines. which now brings me to another question i went on to the Gov site where you c
  5. Today I received a large pile of documents from Prestige Finance, with whom I have a second mortgage. I have identified 10 unlawful charges of £35 each. But this account was previously held by lenders GE Money. Either they went into administration and "became" Prestige Finance, or GE Money simply sold my account to Prestige Finance. I have identified seven unlawful "administration charges" of £40 each while the account was with GE Money, before I found my account being handled by Prestige Finance. So my question is in two parts. 1. Am I entitled to recover the £280
  6. On 25th March 2016 I purchased a van to be used for my business. I carried out an online HPI check before agreeing a deal which was clear of finance. Unfortunately this was on my phone at the time and no longer have a trace of it as it was 20 months ago. I paid £5000 cash and received the log book on the day of sale. Today I had a note posted at my home address from a bailiff company. On ringing their office they informed me they had attended to reposses the vehicle. They told me to ring another company called Varooma to whom explained the situation and have now
  7. Hi all, This is a weird weird situation. I recently found to my delight my previous employer had overpaid salary, basically I was only due (and given) a week's notice, of which I have proof (submitted at the start of claim), and I started my claim for JSA IB and HB at THAT point, yet I now find they paid a month's notice. I was posted a payslip which shows the excess AND with it, a P45 which also erroneously shows my leaving date as if I were given a month's notice!! So, a strange one, I think you'll agree. I have outright proof - a letter from my employer, signed b
  8. Could anyone please give advice on taking the CMS to court. I have been paying maintance and have gone above and beyond by paying the same volume of money whilst my daughter was not in school for a year. she came to tell me as she lives with her mum that she was 3 months pregnant and was keeping the baby at the age of 15. despite me not agreeing with this in any way she still went ahead and had the baby. whilst she was out of school for a year I still paid the full amount agreed even when I was not required to do so. since then my daughter has not contacted me at all des
  9. Hi, Everyone, Need help on my NCB. I involved in an accident with pedestrian which eventually proved using CCTV and by Police that I am not in fault. Now anyone claims for the money to insurance till 3 years from this insurance company. Because of that reason, my previous car insurance company reinstate all my 3 years NCB, and I have to pay extra for my car insurance renewal. This three years time frame will be ending soon. Is there any way I can claim back all my lost no claim bonus from my all previous car insurance company? Thank you,
  10. Hello, Looking for a bit of advice. My husband owns a car and a van and insured in his name. I am a named driver on the car and in 2016 i crashed into the rear of another car. The claims process went well with no problems and his no claims bonus was protected. When we renewed the car insurance it only increased £45. My husband went online to get a quote for the van but it wouldnt take the payment and said that he would need to call. when he called they said that their system flagged that there was a claim that he didnt disclose (The one i had in the car) He
  11. HI I applied for the PPI from Monument and i had an outstanding debt which was very old, they sent out an letter to claim PPI and i have applied online. Now i have received an response from the they will be adjusting the money towards my debt, I have attached a copy from them, can you please guide and advise what would be the next best step to get the Ppi PDF uploaded monument reply.pdf
  12. Hey, I apologise if this does not belong in this particular sub forum! More than likely I can't do this, but if you've previously accepted a 'gesture of goodwill' payment to settle a complaint... can you actually turn around and say I no longer accept this as a settlement, return the payment to the creditor? Some of these payments made to me are now quite old, but I did accept a recent payment only a week or so ago... This was/is mainly connected to payday loan companies... as i've already raised the issue of unaffordable lending, continued borrowing etc and settled they won't i
  13. I left work in March and I have contacted payroll who have failed to issue a P45. They also said I won't get a P60. Their explanation for this was because of the time I left . Can anyone explain this to me ?
  14. Apologies in advance if this is a dumb question. I worked for a company from approximately May/June 1990 to around March 1992, during which time I had contributions into their pension scheme deducted from my pay. I've just reached 65 and am now receiving my state pension and idly wondered what happened to those contributions, whether it would be possible to get those back, or if I could now legitimately claim a pension (however tiny) from that company? Or is it the case that I've effectively kissed that money goodbye? Any assistance or pointers in the right direc
  15. Dear Cagger's, I need advice on a letter i received from EDF energy (to my new address), stating that i owe them £3500 for electricity at my previous address and if i do not contact them then they are instructing debt collector's. I was living in my previous property (private landlord) for 2yrs and 6 months, during this time, i assumed my electricity was included in my rent. I never once received a bill from EDF during the whole 2.5 years and my electricity was never cut off! Since receiving this letter, i have checked my old TA and it doesnt say my rent included el
  16. Good afternoon I have received the attached response following a CCA letter. Is this contact or not as they are now saying the debt has become enforceable. If not correct what do I need to do now. Below is my original post re this Many thanks http://www.consumeractiongroup.co.uk/forum/showthread.php?467679-Unable-to-pay-DMP-as-now-unemployed CCA return.pdf
  17. Hi there, Just wondering if anyone can help. We moved into our previous house in 2011. We paid a management company each year for the communal service charge as instructed. Not an issue. However, when we were in the process of selling in 2015, our solicitor found that the accounts for the previous four years had not been completed and filed by the management company. We were advised that our buyers wanted to hold a retainer of £200 in case of an underpayment, which we agreed to. Just before we exchanged contracts, the management company emailed to advise that for the first year (2011-201
  18. I have an old Egg credit card which went into default a number of years ago after I had to close my business. I have been paying £1 per month for a couple of years now. The payments are going through Capquest. Last time they asked for a financial update i asked for a copy of the original loan agreement. As I understand it Barclaycard took over Egg cards a number of years ago. I have attached a copy of the letter with details blanked out - the outstanding is around £3000. In the letter B/card state that they cannot currently fulfil my request, and as a result the outstanding is unenf
  19. Hi New member here, i am hoping i get some advice here. My Wife had started a job at a medical spa which does botox , skin facials. She worked there in May 2016, my wife started work but they were paying her such a low wage , she was reluctant to take the position, but she took it. The woman in charge had no idea how to run a medical spa at all and started to use the 12plus years knowledge my wife has . Before my wife had started work the woman had said to my wife that if my wife leaves within two years she would have to pay back any training costs. My wife started work but n
  20. I recently switched gas and electricity (together, dual fuel) suppliers. The switch completed a couple of weeks ago, on 13th May. I was on a fixed monthly DD tariff with my previous supplier, and my account had built up to be significantly in credit (should be over £400 after my final bill, going by my calculations). I provided meter readings to the new supplier on the switch over day, and I was told (by at least one of the suppliers) that the new supplier would forward these on to the old one, in order for the final bill to be raised. My online account with my previous
  21. I am currently opening a FlexBasic account with Nationwide - got the letter to ask for ID I provided this and they are asking for stuff from my previous address. I have been living at my current address for nearly 2 years and nothing with my previous address is valid as its out of date. I have P60's and various letters from people but nothing thats on thier list.
  22. Hi guys, Wonder if you can help with a couple of questions I have regarding our housing situation. We have been renting the same property since 2002 via a private landlord and rent payments were made direct to them as well as arrangements for any issues that arose with the property. During this time the rent has remained the same so no increases as our relationship with them was very good. Sadly due to ill health they have now instructed a Letting Agent to manage the property as they do for others they own (ours stayed a private arrangement up till now) an
  23. Child diagnosed with a disability at age 4, made a claim for DLA a few years later and has been receiving it to date, child now 16 and has made a claim for PIP after being invited to. With an unrelated issue, contact was made to GP to ask proof of disability, GP's can't find medical notes so were unable to help, all records computerised, there are notes relating to his disability though not an actual diagonsis - child has very rarely seen GP and his difficulties have been dealt with by his family. Fast forward with regards claim for PIP, child would not go to an assessment so Ato
  24. I've been filing self assessments for several years now due to renting a house out and would like to view my previous submissions, the gov.uk site only seems to allow me to view the last two and in different formats, one being every field available regardless of whether I entered anything. is there a way to view more & in a consistent format? Thanks
  25. Hi All, This is for a friend. My friend was running her own business. Her telecoms providers were chess telecom. At some point Chess rang the business and spoke to a member of staff and sold the member of staff a new contract for the telephone services including broadband. They then entered another 2 new contracts with same member of staff all the time extending the term of the contract. They never contacted the account holder at any point to advise or welcome to new contract etc. In Feb 2014 my friend sells the business and contacts all suppliers advising of no
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