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Found 24 results

  1. Just over a month back, Harlands came after me with £50 in admin fees for an unpaid £39.99 DD to a gym which I left without formally cancelling. This is my fault and I accepted full responsibility. Here's a timeline of events (this is an email I sent to CRS when the debt was "passed on" (even though they're the same scummy company in essence)): Today, I got this reply-- To which I replied How should I proceed? Can anybody with any experience with such matters weigh in here? How likely are they to pursue me and take civil action? And, if so, how like
  2. Good evening CAG, I am new to this site but I must say that I have heard how fantastic you are at helping, so, I am hoping you could point me in the right direction. I have received a claim form from Northampton which has been issued by Cabot Financial. Now they say that I owe money to Moneyway (a loan) and give an account number but, it has been issued to me in my maiden name which I have not used since 2007. Now, I dont ever remember taking a loan with a company called Moneyway so I am pretty amazed at this, let alone using a name I havent been known by for a number of
  3. Hey CAG, Hopefully someone can help me out with this issue. I just got a court letter issued 27th of June from MMF via Moriarty Law looking for payment from a payday loan taken out in 2011 from wageday advance for just over £400 (The claim was filled with the Northampton County Court). I went online and responded to the claim with an acknowledgement of service, however I can see that I am over the 14 days I had to respond to the initial claim and now I am a little worried that they may have already filled the CCJ. I want to defend the claim as I am 80% sure they took
  4. Okay, heres the deal, can anyone advise , left power over a year and half , was on prepayment, no debt, on and off over the last year , Npower have sent several threatograms, saying I owed them over £2900 !!, after several calls to them , they advised problem their side, no apology, then silence, then the letters start again, i did complain via their website this time, and they sent a letter out saying to disregard the last threatogram,however in the meantime they have also passed the debt to those good old threat boys moor croft, who are constantly calling, sending threatograms, offering paym
  5. Hi Received a claim form from Restons Solicitors last week regarding a personal loan debt of £10k bought by Arrow Global. This was the first notification we had since letters were going to an old address. Stepchange have advised to fill in the income and expenditure on the admission form and pay £1 per month until our circumstances change and we are able to repay in full. We have no experience with this sort of thing and are unsure of what is the best course of action. Many Thanks
  6. Afternoon all! My girlfriend doesn't watch live TV, at all. That said she does have a Virgin set top box due to signing up for the tv/phone/internet package when she subscribed. She also has no TV license, but hasn't ever told the TV license people that she doesn't watch TV. I'm telling her to cancel the TV package and just fill in the form on the TV license website to say she doesn't watch TV and that will be the end of it. She's worried that they will investigate and see she has been a Virgin TV customer for ages and ages and demand back payment for a TV license. I'd
  7. Hiya all, Personally I think that the fine I've received is absolutely unjustifiable on the grounds that it was completely unclear, even clear in the opposite way, that this spot was restricted- and every colleague/friend/family member I've consulted has agreed. However I'd like to sense check that before I waste any more time dealing with the glacial process of formally appealing it now that the informal one has failed. I was parked at the end of a cul de sac, which had no signage about parking. There were double yellow lines alone the sides of the street, but
  8. Sorry if I'm repeating old info, I have had a read of other posts but these all seem to be at CCJ defence stage and I'm not there yet! Details are as follows: Hillesden have been chasing me for a payment of £848 for as long as I can remember. The debt was passed to DLC and most recently to Cabot. Mortimer Clarke are now chasing me on behalf of Cabot and claim that they will take me to court if I don't respond with a suitable payment arrangement. The van was returned in 2007 and my last payment on the debt was Sept 2008 (according to them). I do not know when it defaulted exactly
  9. Acting on behalf of my mother, she like many others on here seem to have been caught with the Stemologica/Beutemer [problem]s going around. Just need some advice on how to best proceed. My mum in mid Nov saw a internet advert for free tesco vouchers £100 if she took up the free trial of this product. She insists that at no time was she made aware that she binding herself into any contract with them or that the she would if she didnt cancel and return the free products within 14 days. She has had two debits come out of her account before xmas.
  10. Hi everyone , i am looking for advice on how to proceed with this nightmare. I bought a car with 6 months warranty included , it had service history & the last service had been carried out on 3/12/2015 I bought the car on the 21/01/2016. On Monday 14 it just stopped with no power in the vehicle [ had to push it home] . I called out a mechanic who said it needed a new starter motor as he could get the one i the car to turn & he advised i needed a electrical diagnostics service due to my description of how it lost power & stopped, new starter fitted
  11. Hi, First post on here so apologies if this has been done to death. I did a quick Google search for the comments in my Title and it directed it to me to a thread on here. But like every case mine I'm guessing is slightly different and was just hoping someone could offer me some guidance as I'm getting more and more confused.] My chain of events are roughly: April 2015 - Overstay in Morrisons Car Park - Total Duration 2hrs. 59 mins Series of letters, first to my old address (my fault, had not updated) then to my current address. Aug/Sept 2015 - Threat of County Court in
  12. Hi I’m new to this forum so ‘hello’ & I’d be very grateful for any thoughts that people have. In summary I’m in dispute with a local Estate Agency. I allege that, in July 2014, employees of the agency caused £300 of damage to the bodywork of my car. Initially the agency did not respond to my complaints & requests for compensation. Eventually they contacted me by ‘phone to deny liability and refuse to put their position in writing. I referred the matter to The Property Ombudsman Service (TPOS) who was able to conclude that the agency had failed to respo
  13. Hello, I was apprehended by security in primark yesterday after I left the shop. I went back into the detention room and he searched my bag. He brought out the items I hadn't paid for and called the police on me. I really do not have an excuse for this and I am greatly ashamed. I panicked and started crying and apologizing, even agreed to pay the £95, now I don't know how that value came by because I did some exchange and paid some money via my card, I was too distraught to challenge it but that is not even the problem. The security man collected my provisional driver's license, wr
  14. Not sure if I have posted this in the right place? Apologies if not! I'm currently working through my credit file and found a default from 2012 for £200 from when I was a representative briefly. I have contacted AVON and said: In April 2012 I was briefly signed up as an Avon representative at my previous address XXXX. I placed a couple of orders but then my personal circumstance changed and I was not able to continue, and I moved house shortly afterwards. I had some outstanding products to return from a couple of customers who didn’t pay for their orders
  15. Hello I had received a claimform from MKDP re a hxbc credit card for £600 in Jan of this year I haven't made any payments on it and i am unsure of how to proceed. I'm pretty sure this would have been statutes barred so that's why they have proceeded with this route.
  16. Hi, First post here, but lurking for a few weeks! Brief outline: I have issued a claim for compensation against a car dealer. The notice has been served. After about ten days, they filed an acknowledgement of service (I know this doesn't mean anything specific will happen), but they have also notified the court of a change of address. Is it likely that they have changed the 'contact' address so that if it came down to it, they would not have the bailiff in their showroom, and / or, the address is that of say their accountants, so that a bailiff cannot either remove any property as
  17. The following customers have posted about their Npower problems on the My Npower Nightmare Facebook Group -https://www.facebook.com/groups/517771428350844 - but apparently aren't sure how to proceed. [ATTACH=CONFIG]58708[/ATTACH] https://www.facebook.com/david.hillstaylor?fref=ufi https://www.facebook.com/kreedman1?fref=ufi https://www.facebook.com/nicky.vaughan?fref=ufi https://www.facebook.com/michelle.piper?fref=ufi Unfortunately the administrator of My Npower Nightmare has blocked us because we criticised his approach and said that he was acting like some kind
  18. I was sold an un-roadworthy vehicle by a trader masquerading as a private seller. I've sought to contact the trader by email, phone and mail but he has failed to respond to any communication. The car trader is based in Scotland, while I reside in England. As the sale took place in Scotland, does anyone know if am I obliged to proceed through the Scottish sheriff court system? The England and Wales system is available online, while in Scotland one physically has to file papers in the sheriff court as I understand. Thanks in advance for any thoughts
  19. Hi all, Over 12 months ago now, I was wrongly accused of Benefit fraud by the DWP who stopped all my income with the exception of Child Benefit. My local council then followed suit and stopped my Housing Benefit and Council Tax Support saying they were acting under the instruction of the DWP. To cut a long story short, I went to Tribunal and the Judge ruled in my favour. However, the tribunal was appealing the DWP's decision and not the Council's (I thought the appeal covered both as they acted together but this wasn't the case) I then with the help of the CAB appealed the councils'
  20. Hi I received notice of county court summons from Parking Eye after my husband ( in my car) overstayed at a Hotel car park we regularly visit- he didn't buy a ticket from one of their machines. I received demand for payment many times and foolishly thought it would just go away, as I read up on this and thought they where illegal?. Not so, next thing I received 2 county court summons. I read the advice given on this forum and put in a defence using some of the information I had read, e.g. the defendant denies entering into a contract with ParkingEye and that the charges we dispropor
  21. Hi everyone, I received parking charge notices from Parking Eye earlier in the year, followed earlier advice on this site and ignored the letters. They have since submitted a moneyclaim online to which I submitted the standard defence on the sticky in this forum. My moneyclaim online status shows (today) that my defence has been submitted and no other update. However I received a couple of weeks ago a letter and supporting papers from Parking Eye addressed to me and saying "NOTICE TO PROCEED" . . . Parking Eye wishes to proceed with this county court claim . . .Please find atta
  22. The following happened before I found this site and learnt about my legal rights etc , so what I should or shouldn't have done is pretty much mute - as I now KNOW what I should have done - but feel free to chastise me! Lowells first wrote to me last August 23 at my current address regarding an outstanding overdraft/charges amount that they had bought from a bank. I knew it was mine as I had ignored them at previous addresses, but following my recovery from severe anxiety and depression, I wanted to start to rebuild my horrendous credit record. i contacted them towa
  23. Anyone have any links to threads on reclaiming PPI from Santander/GE store card taken out in 199x please? I have a read a few posts where the responses from Santander have been negative, but cannot find any ongoing cases or helpful information. Thanks t
  24. Had a Cap one credit card which was taken over limit due by their interest (limit was £200 and never spent more than that and have never used the account for over 7 years but continued to make min payment until I was struggling). Bryan Carter are now involved and have issued court proceedings. Have rung them and they refused any offer unless i can pay the outstanding within 3 months which I can't as it has accrued so much. I also have PPI on the Cap one account. What is the best way to proceed please? I am fairly sure that the charges and PPI on the a
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