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Found 13 results

  1. When I was caught using my mom's freedom pass, 'the caution' was read to me AFTER I answered all the questions and was asked to sign the notes. I was NOT asked to review the notes just to sign. Is it how it is supposed to be done? After the questions and my signature the caution followed and I just felt sick. The officer offered free legal advice but I refused because I was mentally and physically unable to continue. Can I still request free legal advice should I go to court? I think I wasnÂ’t informed that I DID NOT have to answer the questions WITHOUT
  2. Hi folks, i need somebody to inform me what the empty spaces are needing as ive re read this block several times and its not clear to me.
  3. Hi Everyone , i was hoping for some advice , after looking through documentation it seems i was REALLY naive when i took out the credit for my car , i had finance on 10.12.2014 for a renault megane 2007 1.9 DCI To cut it short they charged me £2,350 for the car and the loan amount by credit for cars was £5500 !! i was paying £150 a month , ive paid £2,300 off it , but with all the numerous problems ive had to pay for with the car from the start i stopped paying last month last payment i made was on 17th june and i had to pay via "shopper@worldpay.com
  4. Hi, and here we go with my welcome story. I purchased a car and the loan was through welcome finance - the original agreement was taken out in May 2006. Payments were made as agreed then I had some financial difficulties and they agreed to reduce the payments to £150 per month - again these payments were met. A short time later I missed payments again (2 I think) and received a default notice. I telephoned welcome and he said payment needed to be made otherwise they would take steps into repossessing the car. I said on working my figures out we had pa
  5. I lost an appeal in November last year and costs were applied £750 - I appealed and this hearing was heard within another hearing Civil Case on Jan 4th 2014 - The Judge awarded the claimant £7,123 - off which £5,000 of this was costs. He mentioned something about only allowing certain sum of costs. I could not pay - single parent on benefits and offered £5 a month - this was refused so I applied for a redetermination hearing which was heard in March 2014. I informed Judge I had a caravan old tower 1997 that I could sell worth about 2k. Advertised on 8 sit
  6. I have an hearing on Jan 29th - was charged a further fee of £50 for this application - I have now managed to obtain funds - family and selling stuff on ebay to be in position to repay the outstanding balance of £760. My question is - can this hearing be then cancelled ? will the other party try and claim more costs on top ? - This debt was nearly £8,000 and in a year I have sold goods, belongings, jewellery and £2,000 from my Mum and also used some of my student finance hardship fund and sold my touring caravan to pay - yet still I have been hounded dispite the court only
  7. I hope this is the right place to post I have a school fees debt dating back 4 years ago. My daughter was there for two terms. I paid for a whole term and part of the other and then had to pull her out as my partner and I were separating he was going bankrupt and we couldn't pay the fees. At the time I was a housewife and he was the main breadwinner. The fees per term were £1800. I signed the credit agreement only I received a CCJ for this in 2011 Yesterday I received a letter dated April 24th to attend court for questioning on the 18th June The d
  8. Hi , I have only just found this site ,hoping someone here can help or advise me . My Husband and I were in receipt of benefits IS SDA DLA and CA along with Housing and Council Tax benefit . I was advised by lady in social security that I could work for 16 hours a week without it affecting our benefits , because my husbands illness was terminal going out to work for a few hours was a break for me ( even though I took a job in a nursing home as a carer ), this is what I did . I worked 2 days a week from 2002-2003 my wage after tax and insurance contributions was roughly £70 . In 2003
  9. I have just received (yesterday) a Court Order for Questioning and the date is Monday coming! my question/query is: the debt is against me personally, I have a personal bank account that has about £2 in it! My husband and I run a business and money from clients all goes into the business account and I dont draw a salary. If the debt is personal, do I have to take the business statements etc..... The debt is not against the business, it's me personally. Or am I clutching at straws Thank you in advance x
  10. Hello all, I am delighted to have stumbled across such a delightful forum and I am hoping someone will be able to help me with my situation. In 2004 I took out a loan for £5k with HSBC for a family member who was down on her luck (silly I know). The agreement was for her to pay the monthly repayments which she did for a while. I moved from my area towards the end of 2004 and thus was unaware that the account had gone into arrears as the family member assured me that she had been paying religiously. I know I should have taken a more proactive approach in deali
  11. I have a ccj that is more than six years old I agreed a payment plan of £100 per month with marsden 3.5 years ago and I have never missed a payment but in Feb 2013 I received a letter from ind ltd saying that I now need to pay them instead of Marsden as they were now collecting the debt as they were the original creditor I called ind ltd but they didn't allow me to pay via standing order like I was paying marsden only via dd that I couldn't do, I agreed with ind ltd that I would continue to pay marsden but in March 2013 I received a letter to attend for questionin
  12. Hi I've received an order for questioning at my local county court and the creditor is 1st Credit Ltd. I have no idea what this alleged £3,800 debt is for as I have never to my knowledge had any dealings with them and never owed or had any credit above £1,500 apart from a mortgage. Apparently they got a judgement back in November 2008 at Northampton county court but at that time (September 2008) I had to leave my home after I was attacked with an axe handle and received threats to kill by anti-social drunken thugs and my home was invaded by the thugs. I'm attending court to
  13. In two weeks I have to go to County Court for questioning, here is the background, sorry in advance it long. My property was repossessed in sep 2006, prior to this I was running a small business and had the property rented out, my business partner pulled out Aug 2005, just prior to this I had taken a secured loan on the property for £15k. So without my business partners support and a downturn in business, I placed the property for sale to pay off loans etc, in Jan 2006, just as I went into arrears. I accepted an offer in Feb 2006, however by Sep 2006 contracts were not exchanged despite t
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