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Found 20 results

  1. Hi All, Looking for a bit of advice. I am in the process of drafting a complaint to lowell about a 02 refresh bill which I had to default on earlier this year (out of work for a three months). Lowell are claiming £370.10 owed which when I looked at my 02 bills on 02.co.uk seems wrong. I think this relates to unpaid airtime till the end of the contract. I read somewhere that charging till the end of a mobile contract which is defaulted is deemed unfair under consumer regulations. Is this true? and if so can anybody point me to the regulations or relevant case law? Thanks
  2. http://www.financial-ombudsman.org.uk/publications/ombudsman-news/144/144.html 144/3 – Mr A complains that his home insurance is too expensive Mr A, in his eighties, had been living with dementia for a few years. He didn’t use a computer, and his wife, who’d always taken care of the home expenses, had died about seven years before. So after this he’d asked the insurer to send things to him by post. Mr A’s nephew got in touch with us when helping his uncle out with his household finances. He’d noticed the home insurance for his uncle’s two-bedroom terraced home was £1,400. He’d foun
  3. Hey Guys, I'm following up on some recent developments (though still not confirmed), that a DCA has recently won a claim in Glasgow Sheriff on the basis that a clause witten CCA stated the contract would be treated by English law would be subject to England's statute limits instead of Scotland's. Assuming that this has happened and no appeal's being persued for this case, or if a potential appeal also fails; where does that leave people in Scotland with their devolved rights? Is Scottish the time limit out of the question now for most credit disputes? Is it valid that most
  4. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  5. Recent High Court PIP Judgement Affecting those with Psychological Distress High Court. RF v Secretary of State for Work and Pensions: http://www.bailii.org/ew/cases/EWHC/Admin/2017/3375.html The High Court Judge: - quashed the new regulations because they discriminate against those with disabilities in breach of Human Rights Act 1998 obligations. - declared that the Secretary of State did not have lawful power to make the regulations (i.e. they were ‘ultra vires’) and should have consulted before making them. Yes the Government is going to appeal this Judgement a
  6. I did a Google search for recent court cases, I typed Swift Advances cases 2017. A link appeared to CAG this forum. It took me to the Swift page here not to a specific post. The search description said, 15th June 2017 views 10076 + post Swift have been ordered to pay..... I can't find this post in Swift forum. Can anyone throw any light on the info provided please.
  7. What with advice changing from that given a year or so ago, I thought I would just ask a couple of questions regarding a recent private parking charge. a charge was sent to the registered keeper of a car parked on council owned land that had a private parking firm (Premier Park Ltd) enforcing access to a site by way of APNR system. The driver has to access said site to gain entry to the work place, and had been using the site for several months whilst the ANPR was active, without any charges at all. Driver was led to believe the car was registered on the system by his employ
  8. Hi all I need some general advice, or just someone to help with throwing some thoughts and ideas around. Trying to cut a long story short, i work as a mobile engineer for a firm travelling and repairing all over the UK. Back in October i was seriously injured in a freak accident (not at work i should point out!) and was hospitalised for weeks with several operations on my legs carried out. I have been signed off sick ever since then. My wounds are now healed over and scars are healing up slowly thankfully. But i still struggle to kneel down, need a handrail to use stairs and chance
  9. Bit of an odd one. The wife had a letter today from Barclays: The loan they are referring to is a loan she took out 8 years ago to pay for a new car (in fact the car salesman helpfully arrange the finance package, earning himself a nice fat kickback in the process, but the provide was Barclays). This was before I met her (the good old days), and when we got together I encouraged her to use her savings to get it paid off early, rather than continue to pay high interest rates. So I'm wondering why Barclays are now contacting her offering her money (albeit only a fiver).
  10. OK guys, here we go. Made redundant from work in october 2000, long story short all my creditors went default before I got back into work. RBS particularly harsh, really dragged their heels concerning my PPI claim etc. When my personal loan and royalties account overfdraft went default, I got battered for charges. Been paying them back since may 2001, never missed a payment, always made the increases when asked. Over the years I've received letters from their CMS in telford and another company (whose name escapes me but I will dig it out)
  11. Dear Sir/Madam, I work in health care. While working I received a phone call from enforcement officer who had court order to seize my assets to recover debts. Now having said this, let me begin with this - never asked for any debts and nor have borrowed any money from banks. I still don't even own car or house. Fortunately no educational loan either. Following this initial shock and support from senior colleagues who understood my situation kindly offered to help and contacted the officer. Came to realise that there was overpayment from nhs
  12. Hi I have recently bought a 8 year old van the van was scrap engine had blown up and I payed cash to the original owner. The vehicle was on lese purchase and wich he said he had paid all in total the. The finance company have contacted me asking for £500 to settle bill?? Just looking for some advise on how to deal with this situation Many thanks
  13. Hi, I received a very unexpected letter from my local council just recently regarding council tax. I am a single father living in private rented property who has MS. I am on ESA (support group) & PiP (Enhanced mobility & Daily living component). The letter stated that as of now, due to council budgeting, the council could no longer afford to subsidize the council tax & I was henceforth required to pay approx £200.00 (with offer of installments) to cover my council tax & presumably each year that follows. Now, I am not disputing the money here, what I a
  14. Hi, Sorry to bother you all. I am new to the forum and looking for some much needed advice. I recently got my credit report after being rejected for a simple business account. On there I have a ccj issued by Northampton county court. I contacted the court today who told me the judgement was for a credit card and gave me the details of the solicitor involved. I called the solicitor and here are the details I found out. I apparently defaulted on a credit card in may/2008. Then the ccj was applied in feb/2013 I wasn't aware of the debt as I spli
  15. Hi, this company ring me most nights, email me and call threatening an agent to come round. I am currently on jobseekers and i tried to reason with the company who wanted at least £80 a month towards a £400 bill. I live with my parents so most of my money goes to them who are also struggling. They have rung my parents house asking for me and my parents are going mad because they wont tell them who they are or what they want, only demanding that they will be visiting soon, im getting sick of this and wondering why they are allowed to book appointments to our homes without permission, and will a
  16. A friend has recently lost her Empyment support Allowance and is most distraught.It appears the assesment was rushed and bears little resembelence to her and her condition at all.Is this normal ?
  17. The report from the BBC shows that deceptive practices and sleazy dealings have been rife across a wide area. No surprises as to one Bank whose name appears time and time again.. http://www.bbc.co.uk/news/business-19323954
  18. Can those more knowledgeable please confirm my understanding of recent cases... I have received a number of letters now for overstaying a free period of parking and the advice I took from reading this and other forums was to ignore which I have done so far. However 1. With the Parking Eye v Somerfield case...is it correct that the judge has said that the initial or lower charge is acceptable and therefore enforceable should a claim be made at a small claims court but that the higher amount is a penalty and therefore uneforceable.. 2. that the VCS tax tribunal case stated that only th
  19. Hi all, Just been informed that O2 are not offering any compensation or refunding the cost of 1 days service after Fridays service loss. Do they not have to refund the cost of the days loss of service as I am essentially going to be paying for something I didnt receive? Dont think I have a case to exit my contract FOC but its the principle of the matter. They should at least refund the cost of 1 days service, I know its about £1, less in some cases. I am so mad at this company. I do regret renewing my contract with them. Only 22 months to go!!!
  20. Hi all Hope you dont mind me posting, Ive gleaned a bit of info from this forum which is great but would love some personal advice relating to my circumstances. In April I had a notice from Jacobs and tried daily (3-4 times a day) to call the bailliff in question. to no avail. in the end I called them and they laughed about how this baillif was a liability and i set up a payment plan. Shortly after, my partner was taken into hospital (7 months pregnant) and transferred to manchester Royal some 50 miles away. Due to the circumstances I moved with her staying in a hotel and cripp
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