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  1. Hi, I set up in busniess 5 months ago, in a shopping centre which is privately owned. They have undeground loading bay and parking, the parking spaces are only for those who have it in their lease. I do not. I unload stock every morning, and after a while started to just leave my van there, no problems as it was out the way, and I found the security giards were just handing out the tickjets to anyone who did not have a business in there, no one used it really.. This changed in March when they brought in UKPC, I have since amassed 10+ tickets as I ave been leaving my van there, I have spo
  2. Hi So this is a long story! I originally took out a lbl of 2100. Long story why but it was my only option at the time. Have paid this off for approx 6 months. Took a further loan for 500 a month ago. Everything was fine but then circumstances happened and I was no longer able to make the payments. I had the v5 as I had applied for change of address and was sent a new one. I did loads of research and spoke to a local company who offered to buy the car from me. Settle the loans with the lbl company and then pay me the difference so I could buy a cheaper car. I request
  3. Hi i am really struggling and hope that someone here can assist me ! I originally took out a secured loan with Endeavour finance in 2007 for £20k and have been paying it back since it was then sold onto Moorgate/Sancopia with no written information provided to me , and from looking at the land registry sancopia registered a charge on the property in 2013, despite years of payments my balance is just increasing and not decreasing . i have previously made a SAR to moorgate and they have sent me a photocopy if my agreements with endeavour. My question is this how
  4. Disability benefits should go to "really disabled people" not those "taking pills at home, who suffer from anxiety", a key Theresa May aide says. http://www.bbc.co.uk/news/uk-39097019
  5. Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape. He will be remembered as having cultivated such valuable lessons as: - Knowing when to come in out of the rain; - Why the early bird gets the worm; - Life isn't always fair; - And maybe it was my fault. Common Sense lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge). His he
  6. I was a Lloyds TSB customer for 30 years. Lloyds left some years ago and took all the sensible staff with them. The place is a complete shambles now. I was embroiled in all the TSB nonsense in April. They refused to let me close my accounts online or by phone. I hadn't been able to access them for 6 days. I had to go to the Boothferry Road, Goole branch where pensionable staff took 40 minutes to decide how to shut them down. I was then handed £2000 in notes, without having them counted out in front of me. We are currently embroiled in a county court claim because I made a subject acces
  7. Hi all, To make this as brief as possible, I had a second charge on my property with Nemo personal finance. In 2007 the property was repossessed due to a lot of bad luck and the original lender sold the property over £50,000 less than market value just to cover their own expenses (G E Money) which left nothing to pay off the second charge. I have been battling this loan on and off ever since and during this time Nemo took me to court and won because I never defended the claim and this was due to the fact \I knew nothing about it. I agreed a miminal payment to them which
  8. Hi I am so stressed out. I've been at a University address since recently and came home to parents house to discover i have had a CCJ filed against me last month for an old catalogue debt and have been ordered to pay £50 per month with the first payment due in the next few days. I don't dispute the debt I just have no money and as I have now just completed my final year at Uni I am technically unemployed. I will be moving back in with parents very soon and am worried a bailiff will be paying me a visit and cause great embarrasment and distress to them. I've done some prelimin
  9. Hi , this is my first post. Yesterday I went through a horrible situation. I was in London designer outlet I have been caught of shoplifting after I left gap. The manager of gap and the security of the outer took me in the back . They asked me to open my bag , I tooked everything out . ( I had 2 items from gap, 1 from Nike and one from next ) they didn't call the police , they took my name , my address and my pictures. After and other security came to take my id and my picture . I never felt so bad in my all life. today I m even feeling worse . I m scared abo
  10. I've just started receiving threat-o-grams from Cabot about a really old debt from my younger and more stupid days! This debt was defaulted on in the late 90's - I know as it was around the same time as I defaulted on several other debts and my flat and car were repossessed (yes I was really really stupid when I was younger) I know it's statute barred, but whats the best way to get rid of them? preferably stopping them from passing it down the food chain to another DCA too. I've tried ignoring them, but they are now trying to call me daily while I work and it's becoming annoying.
  11. Just received my Barclaycard statement which I was 2 days late paying so consequently they have charged me £12 plus £12 over limit fee, I've decided to reclaim the fees sending a copy of the template letter on this site (thank you) problem is I'm not sure how much they actually owe me, I've had the card for about 7 years and have been charged fees quite a few times. Any suggestions as to what I should do, can I send the letter without stating an amount and rely on their 'honesty' (Barclaycard & honesty, doesn't really work does it) I'd be really grateful
  12. http://www.thisismoney.co.uk/money/bills/article-4445214/What-really-caused-customer-service-meltdown-Vodafone.html?ito CAG hopes that Mr Jeffery listens and acts swiftly.
  13. Hello I really need some help please. I bought a solid gold christian name necklace from 'My Name Necklace' and purchased their 12 month warranty at the same time. Just inside the warranty date, the chain broke, I completed the online claim form along with a photo of the broken chain ( The warranty covers chain breakage ) The company emailed soon afterwards on 15th November stating: We apologies for the situation. We can send you another chain. A prepaid return envelope will be sent so that you can return your original item to us.* Please let us know
  14. I'd had two seriously painful years with bad hip joints and finally got both replaced. In that time I was barely able to move about - too painful, so I had put on weight up to 105kgs (I am 5'10" 60yrs male.) Now this was a lot of weight to heave around on my new hips, so Jan 1st this year I went on my much derided "cabbage soup" diet. Its actually a generic name for counting calories, avoiding all manner of processed foods, sugar salt, oil fats factory bread. So what's left? Fresh fruit vegetables, pulses, fish lean pork skinless chicken, eggs (no cheese), home made yoghurt and bread, tin
  15. http://www.bbc.co.uk/news/uk-england-suffolk-37385201 When you see that hackers have gained access to some systems you think would be the most secure on the planet, it makes you wonder. Your Bank ? Credit reference agencies ? National Health Service/Doctors records ? UK government records ? I have had conversations with IT contractors who develop systems for financial services companies and they all say thay you can only continually review security, closing any gaps where they are found. But they all say that it is impossible to offer 100% security, because hacker
  16. Hi I just got yet another letter from tax credits saying we owe them nearly £3k! They have already got our totals wrong and wrote back to them last week with new totals, this came today and is dated 9/6/16 It says I get over £8k a year,, wish I did, only get a state pension. The ex claimed tax credits for himself and added me but they were informed of my pension which stated last year, they have our combined income at in excess of £25k! He is on £7.20 a hour, 45 hour week,,, was on £6.50 till NMW came in, we worked it all out for the years 2015 to 2016 taking into account
  17. Hello everyone, this is my first post and i need your advice please, thank you! the letter sent to my address was a form that titled with "duty to give information as to identity of driver". the form/letter was NOT signed, i.e. no signature from police officer who actually dealt with the case. is it still valid then? the letter was received just two days after the accident, which was a fault accident and no third parties involved, no person injured. also, online answers gave me the name of such form should be called "notice of intended prosecution", so the for
  18. Hi all, It's my first post on the forum. A very good friend of mine has got into some difficulty in paying his mortgage. He obviously has been searching the net on what he can do so as not to lose the property if it comes to that. He has been reading up on lease options and although it all seems legit and genuine, has anybody actually done this and come out the other side smiling. All opinions welcome.
  19. Big stink in the US house http://edition.cnn.com/2016/06/02/politics/paul-ryan-endorses-donald-trump/ Steven Hawking says its 'really bad man' http://www.newyorker.com/humor/borowitz-report/stephen-hawking-angers-trump-supporters-with-baffling-array-of-long-words
  20. Hi Guys, Hope you can give us a little advise. We moved into our property December 2013, and went with SCS, they organised the fitter as seems to generally be the case and all was well. Or that's what we thought up until fit. The fitter did a very, very poor job, and we've been working with SCS to try and get this resolved for over 2 years. The original fitter came again out once shortly after the original visit, repaired a few issues and tried to fob us off saying let it lie and it'll sort itself out, as time went by more and more flaws became glaringly o
  21. Whilst looking for information on a now closed thread. I was reading this thread and have since noticed not a lot has changed except the date and the names of the posters except a few whom are still around! Even 10 years ago there were arguments and the like between posters and others. For this thread see here >> http://www.consumeractiongroup.co.uk/forum/showthread.php?44284-Bailiff-discussion-(-moved-from-hijacked-thread-) So it goes to show you/we as posters can really never agree on any part of the Enforcement discussion. Maybe that if a few more regular posters read
  22. Hi, I have just received a CCJ and all I got back from the courts was a letter telling me that the creditor sent the court a letter after they had received my admission and offer of monthly repayment, and that they had complained that the offer was too low. The court has now ordered that I pay a larger amount each month and that the first payment should be paid to the creditor by the 22nd of this month which is a week before I even get paid. I won't have the money by then and it's also more than I was expecting. Will the bailiffs come if I pay a week late? Or do you think the cred
  23. Hi not been on here for quite a while as thought all the dcas had finally gone away - only to receive today a notice from Hoist regarding old HSBC loan The first paragraph of the letter is as follows. " We are writing to notify you that MKDP LLP has assigned all of it's respective rights, titles and interest in respect of the above referenced account (Ex HSBC) to Hoist Portfolio Holding Limited effective 26/10/2015. The total balance sold they say is £25,392.20 but curretn balance £25082.20" I stopped paying this back in 2008 due to financial difficulties and although ov
  24. Long but i would appreciate some answers, im so sick of these people and their treatment against me, so i beg you help if you can. I lived in one of their properties after coming out from a woman refuge for 4 years with no problems, however my ex boyfriend found me and kept harassing me. I was living in Brent (lets say) and on my report from the police and national DV workers it CLEARLY stated i cannot be re housed in Brent. However i was re housed in Brent, i took this property as i was TOLD if i refused it i will be kicked off the management transfer list as im o
  25. Hi this is my first post to the group- My name is paul and live in york. Back in 2004 i took out a home inprovement loan via safestyle uk for the sum of 2171 over a priod of 120 months and i took out payment protectection at a cost £471. Shortly after taking the loan out as i was contracting my contract wasn't renewed, upon trying to claim againt my payment protection i was informed i wasn't covered as i was classed as self employed (shame they never told me this when charging me £471) i had a dispute with them as i wasn't working and wasn't covered after months
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