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  1. Hi Redroy. Any luck with obtaining these hire costs back yet? Am asking as it seems I am in the exact same position as you are right now. Ive been told by OCL solicitors that third party are Hi Redroy, any luck with this yet? I am in exact same position as you was last year. Have been told by OCL solicitors that third party are disputing the excessive car hire amount and want to know why i chose to take an expensive car out of hire. I feel trapped as i explained to OCL that One Call insurance deferred me to the hire company and made it seem all seemingless a
  2. I was involved in a non fault accident one call insurance put me on to a company to give me a hire car and reclaim everything from the 3rd party . i had a hire car for 8 weeks i tried to return but wasnt allowed .now after 9 months i have received a.letter saying they havent recovered costs from the third party and are using OCL solicitors to reclaim the debt by court action using my name . has anyone being in this situation . they are asking me to sign forms to authorise this . please help Thanks in advance
  3. Hi Guys I have received a letter of claim from Restons solicitors for a debt bought by Cabot financial. I have made a complaint to the financial ombudsman that the original creditor ‘ a credit card company ‘ refused to deal with several mistakes on my account over a year before Cabot bought the debt and simply told me to deal with the 3rd party debt collectors. The ombudsman said that as they were still the legal owners of the debt they had a duty to deal with me and not pass the buck to the debt collectors. The amount Cabot are claiming is for £1800 when the correct amount a
  4. I was unable to pay the mortgage for about 10 months, but then I got a new contract and was able to set up a standing order which was larger than the statutory amount. I decided to pay this larger amount in order to gradually reduce the size of the shortfall in a way that I could sensibly afford. Prior to my first default I was actually overpaying over a number of years, so that my 10 months gap was actually only 4.6 months on the balance sheet (this is acknowledged by the lender). I have already given Mortgages 2 my assurance, several times, that I will be able to overpay the
  5. Hi Just received my credit file and after getting into a bad financial situation I have a total of 19 defaults on my credit file!, 11 are due to drop of this year and 3 next year the rest are around 2022, for the latter do you think my credit file will improve If I pay them of so they are marked as satisfied? or should I just wait, none of them are chasing me for payment at the minute Just edited to add one is for a mobile phone debt that I was paying for 2 years at £35 per month, it says I owe £550.00 now
  6. I work for a company that employs more than 1000 Trade plate drivers; we travel all over the UK delivering and collecting vehicles for many different customers. Many of the places we go to are quite remote, airfields and large compounds etc, there is not usually public transport to many of these places. The only way we can complete our work is to work with other drivers, sometimes this is arranged by the company and sometimes we arrange this between ourselves. When there is public transport it can often take a long time to travel between jobs, and quite expensive. Therefor
  7. Good morning, I am new to the concept of posting threads and would like to request any advice on the proceedings I am about to undertake with BT, I am sure this subject has been discussed many times before, however not with me and therefore would like direct advice. BT has issued my partner and I a charge of £130.00 for an engineers visit due to a diagnosis of a faulty router. However the router was not faulty as when he left everything came back on and has been working for months correctly with no problems. Phoned BT to ask what the charge was for and they said...(see ab
  8. Hi. Got a letter this morning from Moriarty Law that begins 'As you are aware, we recently issued court proceedings against you.' I have received no claim form or indeed any letters for this for a few years now. Its regarding an old wagedayadvance loan. Letter goes on to say 'We have been instructed by our client to enter judgement against you 14 days from the date of this letter.' Any advice please. Many thanks. Paul.
  9. Feb 2016 a purchase was made following a telephone call to the seller for advice and to confirm the correct parts were ordered for my vehicle registration on eBay with PayPal for £289.97. Shortly after fitting the clutch, it failed. The seller refused a refund or to cover mechanics costs, instead charged me to return the kit for warranty replacement. The replacement parts actually consisted of one new flywheel and other used parts with visible contamination rendering them unusable in several mechanics views, and missing all fitting bolts. The seller told me to get bolts and he would refu
  10. HI Ive got a letter saying notice of transfer of proceedings on the top left. It states Claimant - HOIST PORTFOLIO HOLDING 2 LTD defendant ME. Then all it says is To all parties This claim has been transferred to the the county court of St.Helens for enforcement. That is it no forms attached, there is no Amount Outstanding on the letter, nothing. I have checked my Credit File today and there are 2 listings on my Financial History. 1 CCJ from Barclays showing as SATISFIED and the other Account is still awaiting to be taken to Court for defaulting on m
  11. I hope someone might be able to shed some light here please. I HAD a joint account with my wife. To cut a long story short, the Bank attempted to take me to court for an alleged debt (there is a lot around this subject but not for now), however there was an ongoing complaint at the time which went to Ombudsman. As as result I never submitted a Defence, and the Bank never attempted to receive a Default Judgement. As such the Claim was stayed after 6 months (as per CPR). The Bank is now attempting to harass my wife now over this using 3rd party interlopers. This
  12. Miss-sold a product, received final response from ombudsman whom stated that we were an accidental landlords, the Financial Ombudsman went onto say that the bank, Yorkshire Bank, had missing paper work. They ruled in the favour of the bank, we fought back, by saying it was an unfair process, as they had missing paper work but the financial ombudsman said they had treated us fair, so would not re-open the case. We went back to the ombudsman and stated this was an unfair process, as it was not true and Yorkshire Bank is misleading. The ombudsman stood by the
  13. Hi all At the end of April, my last bad debt falls away from my credit rating However i just got a letter from shoosmiths ( debt already gone from my credit report) saying that 'If we cannot agree during the next 14 days how you will repay the amount outstanding to Arrow Global limited, we will issue Court proceedings against you for the full sun outstanding together with legal costs. We will not contact you again to warn you that the proceedings will be issued. They have been sending letters in bursts over the years but I've been ignoring them, this one seems like the end
  14. A London Borough Council has started bankruptcy proceedings against me for unpaid business rates dating back to 2006. They apparently took out a liability order back in 2006 against me, even though I wasn't liable for the whole period they say I was. The debt is close to £12K and since I cant overturn the liability order, I am thinking of paying the debt since I don't want to be declared bankrupt and lose my house. The councils solicitors now want a further £500 in court costs and another £2K in legal fees, which I protest. I would like to know if I am liable for the le
  15. Hi everyone . I want to thank everyone in advance and also apologise in advance - as I realise my questions are probably very common here, but I have very little time left and I am overwhelmed with so much info on internet , while trying to do my duties at work and as a father. Summary : 1.My debts are in the region of 4,000 for a loan, credit card, overdraft and phone account. I started missing payments in 2010 due to family separation and depression, stopped making payments and stopped contact with lenders in 2011. Meantime paid some sums, made some agree
  16. Any help would be appreciated. I am trying to establish whether my solicitor has acted negligent by not following the pre-action protocol in respect of a Disrepair claim which has now been settled, after 6 years of my local council denying liability under the OLA 1957. I had an accident during the period where liability was being disputed but my solicitor is claiming that he did not have the funds to pursue a PI claim but never advised me on this, and on checking the pre action protocol under Disrepair claim there is reference that would suggest that in any event, a claim for PI aris
  17. Name of the Claimant ? Cabot Financial UK ltd Date of issue – 3 march 2016 Date to submit defence = by 4pm Monday 04/04/16 What is the claim for – the reason they have issued the claim? 1.The claimant claims payment of the overdue balance from the defendant under a contract between the defendant and halifax dated on or about October 23 2006 and assigned to claimant on June 27 2014 What is the value of the claim? £4695 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card When did you enter into
  18. Hi My son has had a letter of Transfer of proceedings on a CCJ to our local court from Northampton. This has been paid monthly since 2010 by Direct Debit to Brian Carter. The letter does not mention him but Frederickson International Ltd as the 1st claimant, this was for a debt on an Egg card. I realise he needs to get in touch with the court but is it permissible to cancel the Direct Debit that is going out to Carter on the first of each month? The letter was dated 30th August 2016 and a payment was already paid on the 1st September. Thank you in advance.
  19. Hi all - it's been a while. I have a technical question about reissuing a small claim. I have started a small claim against two companies pursuant to PECR 2003, the Data Protection Act 1998 and the Protection from Harassment Act 1997. The basic story is that the first defendant commissioned the second defendant to generate potential sales leads for them. The second defendant did this by making "Survey" calls from India and then the second defendant sold the opted in leads back to the first. They used Indian call centres, out of date data and ignored the TPS regist
  20. Hi all, and first off thanks for your time in hopefully helping me out with a Welcome Finance matter. My partner had a loan with Welcome Finance which he took out in February 2006 for about £2500 he got into financial difficulties a couple of months after taking it out and only ended up paying a couple of payments, he never heard anything back from Welcome until last November (2012) when he received a letter from Mackenzie Hall Group, i knew that the debt was statute barred and so sent off the letter to them and never heard anything for months, he then received a letter last mont
  21. Hi, I posted this in another VCS BW Legal thread and got a reply suggesting I post it as a new thread in its own right so I have pasted it below. I have what I think is the same letter as many others. It is from BW Legal representing VCS. It is dated 20th June 2016 and says "our client now requires full payment of the Balance within 10 days from the date of this letter, this date being, 30th June 2016, failing which our client has instructed us to commence county court proceedings against you for recovery of the balance. My question is what happens ne
  22. This happened at the back of the Exeter Arms in Derby, 2015. I went round the back of this pub to park and unload my equipment in to the pub but all the parking bays owned by the pub were taken, s I did pull up near the rear entrance to the pub unload my equipment and then take my car round the front to park on the street which by that time was free parking. Some weeks later I received a letter from VCS with a fine for parking there. I was going to ignore it but my wife talked me into sending an appeal letter, which of course was rejected. Now I'm receiv
  23. Hi there We have a mortgage with Natwest and have fallen in arrears of £9K and they have issued Repossession proceedings with a hearing date next week. Ascent Legal are their solicitors and have written to say that they are willing to do a payment plan with a suspended order. We have been trying to arrange the arrears to try and avoid the court route but has not been possible. We are planning to call Natwest tomorrow to put a payment plan in place, any advice before we call them would be highly appreciated. Also, we haven't responded to the court claim as yet, do we need t
  24. I have received a letter "Enforcement Process Commenced for a penalty charge notice to Birmingham City Council for which I know nothing about. I am now stressed wondering whats its all about. The NOtice of enforcement says I owe BCC £97 but sum outstanding is £407. A warrant was issued 08-10-15 which I have never received or even know whats its for. How can I get a stop put to this while I find out much more information about whats going on and why I have never received any other correspondence or court papers? Please give link to relevant document/proc
  25. I'll try to keep it brief but succinct: I've received various bog standard letters from Shoosmiths on behalf of Arrow Global, about a HSBC Credit Card debt they bought from the Bank in 2014. I have taken no action with regard to these. Shoosmiths have however today tried to up the ante by threatening Court Action unless they have my proposals for repayment within 14 days. Is it appropriate, at this stage, to send a CCA Request letter (and am I correct in sending it to Arrow Global, who are the owners of the debt, and not HSBC, the original creditor? The letter from
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