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Found 67 results

  1. Hi all, I am new to this site so please forgive me if I have posted in the wrong place. I have been fined £1200 by a magistrates court around 2 months ago. At the time I was not able to pay and was instructed by my solicitor to state that I could pay in instalments once I had an income to avoid a harsher punishment by the judge who was not in the best of moods on the day. I was advised by my solicitor and court staff to contact the collections department for fines to offer an amount I could pay monthly, every offer I ever made was refused for a payment plan but they kept telling me I could still make payments if I wished to do so. To this day, I genuinely have been unable to make any payments. Since becoming unemployed prior to this fine, I had to find a way to create an income. I set up a private limited company in August 2018 working from home selling goods online. I am the director of this company and 100% shareholder. My question is, now that I have started to receive letters from the court stating that further collection acticiry will take place, can bailiffs or court officers take control of assets/stock belonging to the private limited company which I am the director of? Any help would be appreciated as I am expecting a knock on the door any day now. Every week any money I make is being reinvested into existing and new stock, packaging, supplies etc. I am not yet paying myself a wage. I started this company with a surprise tax refund cheque and through selling my personal belongings as I needed to create a source of income as I was struggling to find work. This has paid off as my business is now getting somewhere so to speak. If I have missed any crucial information please forgive me and I will reply asap to any questions or requests for further information. I want to know whether what I have now finally built could be taken away by bailiffs / court collection officers!! Kind regards Hks91
  2. Having some issues with O2 as of March this year as they have decided to link 2 accounts for another person with the same name and DOB as myself, however this other person has a middle name and i do not. I do not have any accounts with O2. 18/3/18 Received letter stating i was in breach of contract for not paying my O2 bill. 22/3/18 Received letter telling me they had stopped me making calls and texts. 23/3/18 Checked call credit report and O2 had already linked my address with the debtors in Janurary 18 and had both accounts listed. 23/3/18 Emailed call credit stating the incorrect information. 2/4/18 Received letter from O2 telling me they had disconnected my phone. 7/4/18 Requested credit report from Experian. 20/4/18 received letter from call credit stating that O2 had not bothered to respond to them, and are unable to amend the entries to my credit file without the permission of O2. 20/4/18 same letter as above also stating that the disputed entries will be supressed from my credit file, however, O2 can remove the suppression at any time. 21/4/18 complaint letter sent to Experian stating the incorrect accounts and linked addresses. 17/5/18 Received email from Experian telling me O2 had supplied the following details "The link is correct as the account was registered to the disputed address." 1/5/18 Received letter from Experian stating O2 had removed the accounts but not the linked addresses. 1/5/18 Complaint send to ICO about Experian knowingly registering wrong information on there systems even though it had been proved it was not me O2 were looking for. 5/6/18 sent SAR to Experian 5/6/18 SAR sent to O2 8/6/18 Received letter requesting what specific information i wanted from Experian. 11/6/18 Sent Experian an email stating i wanted the information between themselves and O2 to see what had been said about the matter. 11/6/18 Received email back from Experian stating that they had supplied the information the comparison data sets in the additional information i could request. No information regards conversations about themselves and O2. What O2 have done here is add accounts and linked addresses to a serial debtor on my credit report , opening the floodgates for all of these other companies to jump on the bandwagon adding CCJs , Defaults, Late payment accounts to my credit files. They are refusing to remove the wrong data from my Experian report and as stated above have not even replied to call credit about the issue. No reply as yet from the ICO as they are running 8 weeks behind about the Experian complaint. Next steps to take against O2 if anyone has any suggestions, AGAIN O2 are the ones that have opened the floodgates for all of the other comapnies to throw wrongful information onto my credit files without even bothering to do the correct checks. ***Please also note that my Experian credit report in April stated O2 were the source of the linked address, however my credit file in June states Experian are the source of the linked address*** Something funny going on i think. Thanks
  3. Ok I'll try to keep this short Bought a car, broke down still awaiting the V5 and fully intend to scrap the car but will also remove some parts from it before it goes. In the meantime the car is whole and in tact and looks in roadworthy condition with MOT. The car is parked on social housing landlord car park and is SORN'd, untaxed but does have current MOT. Have had issues with neighbours and ASB for which I involved the police. They have moaned at the landlord saying the car is "abandoned" to get at me. The council came out and put a notice on the car last week: Polite Notice Refuse Disposal Amenity Act 1978 (as amended by clean neighbourhoods and environment act 2005) Road Traffic the removal and disposal of vehicles and regulations 1984 Reg********* Make xxxxxx Model xxxxxxxxxxx Colour xxxxxxxxx Location xxxxxxxxxx Vehicle reported as abandoned, if you have information relating to this vehicle or are the owner/keeper please contact the environmental protection team at xxxx if no information is received by x July the vehicle may be removed and destroyed ------------------------------- That is complete there's no date or other details on the notice. I emailed them immediately telling them the car isn't abandoned at all and up until today I hadn't heard anything from them. I have emailed them chasing up a reply and just got a curt email from someone with no job title saying contact the landowner yet it wasn't the landowner that put the notice on the car that was the council. I have no intention of leaving the car there any length of time, i've submitted a V62 to the DVLA to get the V5 as I haven't had one for the car yet and once I have it i'll get a scrappy to collect it. Unfortunately I hadn't acted as quickly as I could've done due to disabilities and ill health. So what's the legalities with removing the car in this way how much time do I have? The car is MOT'd until September but is SORN at present and quite happy to get the car gone as soon as I have the paperwork to do so.
  4. I defaulted on a bridging loan and Receivers have been appointed. They have secured the property (changed the locks) and have asked me to book a time to remove my belongings (Torts Notice served). The property was and is my home and my only home but I have not lived there since taking out the bridging loan is because the loan was unregulated and I did not want to be in breach of the terms. However, it was never rented out; in fact, I never removed my belongings from the property. I have never desired to be landlord and the only reason for taking out the loan was to keep my home. This was declared to the lender from the very beginning; nonetheless, the product offered to me was an unregulated loan. As I was not eligible for a mortgage at the time and it was very unlikely that I would be by the end of the loan term, sale was my only option of exit strategy. This was a better option than having the property repossessed. The Receivers have said I must either remove my belongings or pay for storage. I have not abandoned my belongings or “left them behind”. I am in the process of remortgaging and they are aware of this, as I have kept them informed. The mortgage has been agreed subject to valuation which is due tomorrow. Can they force me to empty the property?
  5. Hello It feels like I'm running round in circles at the moment in regards to our council Tax debt and the zero co-operation I'm getting from the Council or Baillifs in regards to paying it off! We owe 2 amounts to Baillifs Penham Excel 1x £934 and 1x £1465 - both way over what we actually owe the council! Baillifs have been 4 times now and each time I've refused entry into the house to do a walk in possession, but today he turned into a smart a*** and said he would go away and get an order to take away my car (no finance on it and only worth around £1200). This has really worried me as I have to have it to get my 5 year, who is Autistic, to school 3 miles away and then my other son to nursery. Can they take my car? If yes, then would I be wise to change the ownership to my Mum so if they come back to take it, it isn't officially mine? The baillif has insisted that we pay the first amount in full and maybe they will come to an arrangement for the second amount if I allow the walk in possession. No bloody way, does he think I'm stupid? I've read about people who've done that thinking they can get a good arrangement set up only to find they've been ordered to pay it off at £400 a month and then have no option but to pay it or lose there things! Spoke to the council to see if we can pay the debt off at £50 a month direct to them and they refuse to help as "it's gone too far now" and they said if it get's handed back by the Bailiffs they will go for a committal to prison! I slightly lost my cool with the woman I was speaking to and told her that this is going to leave us no other option but to go Bankrupt as we also have other massive debts in our name, a repossession order on our house (which is my number one priiority to pay every month) and no one is offering to help us! Is there any other way out of this? I did suggest an attatchment of earnings, but she said that would be at least £250 a month, the £50 we're offering would push us quite a bit. HELP!
  6. I noticed on my credit report some information that I disputed. I got a letter from the agency saying they had removed the entry while investigations took place. They later re-instated the entry, but not for 3-4 weeks. Is this normal practice? If it is, what is to stop people disputing all their credit file, and during the removed period, getting credit before re-instating of the entry takes place?
  7. I took out a refresh contract with O2 in December. Device arrived and a few weeks later I called, paid off the device plan and requested cancellation of the airtime. Received letters stating it had all be cancelled etc. Fast forward a few weeks and I start getting emails saying I had early termination fees. Each time I would call and explain it was a refresh contract and they would say yes sorry, sent in error. Then a week later I'd get another email and would call again. After 5 calls these stopped, only to be replaced by emails telling me my bill was late as I'd cancelled the direct debit. I spent another month doing this every week. I assumed it was all sorted until I took a look at my credit file last week and say o2 have placed a default of £95 for early termination fees! I have called o2 ten times, each time speaking to a different customer service rep. Non of them even know what a credit file is (they're not UK based) never mind why I care that there is a default on mine. They all say don't worry you don't owe anything. But my credit file now shows a second month as defaulted. I can't seem to actually get through to anyone who can deal with this and have no idea what else I should do? Any advice at all is appreciated. Thanks
  8. Hi Cagger's I know I've been very dumb I know it, anyway I bought something from Bright house last year and I was told if I did not have contents insurance I would have to take out the OSC. In fact I was dumb again the same year and bought something else and was told exactly the same thing. It is my intention to pay these items off and no longer use bright house. but I have since learnt that you can cancell the OSC at any time and I have already drafted a letter using a template from this site. However, I am reading conflicting information about getting a refund for the OSC I have already paid. Is it possible to have this refunded and applied to my account to reduce the amount I owe? I was clearly missold these items as I now understand the line about having contents insurance is bull****. Thanks people
  9. I was advised by Citizen Advice Bureau to just admit a debt to the court paper. During the advice session they didn’t tell me I should ask for my credit agreement paper related to the debt with the OC and the authority of the DCA regarding to this debt (I did mention I own a debt to a company but I never heard of this DCA). I was told that there would be a hearing and the judge generally would allow me to pay monthly against my income. But the truth was that, the case just went through to the court clerk without a hearing and as a result, a CCJ against me straight away. I was ordered to pay in full without any chance to forward my financial details. The solicitor firm send me letter and they just wanted full amount and issued a charge for my home right away. The solicitor firm scared me to hell by claiming bailiff’s action and seizes of my home to make me homeless. I don’t even dare to open a window even its hot summer time nowadays. I tried to offer a monthly plan with the solicitor firm but in vain. Then suddenly, I received a letter from another solicitor firm (I would call it – B) telling me that they had taken over the original solicitor firm’s business and I must pay them money in full now. I had send numerous requests for any legal document so I could tell that my DCA (on the court form) would recognizes this arrangement, ‘B’ never answered my requests and they kept throwing me more thread. I had paid a monthly token to the old solicitor’s bank account on my own initial during the tangle with ‘B’. Then I stopped as I don’t hear anything back from the old solicitor firm. Lately I received a new thread from ‘B’, they are going to issue court order to seize my house unless I pay them. I am very scared !!! What should I do now and I have these questions : 1) ‘B’ uses roughly the same name as the old solicitor firm and it uses the same correspondence address too. But being a solicitor firm, they should know better about the legal issue. 2) Should I have a right to ask for an authority letter showing that the OC/DCA had given ‘B’ to collect the money? 3) I don’t know anything about ‘business taken over law’, but during a taken over, they should inform the court as well? I had asked my local court, ‘B’ didn’t file any paper to them about the take over. 4) If they issue order to seize of my home, could I appeal on the basis ‘B’ ignore my constant requests for proper paper about the authority of ‘B’ position to chase me money. ‘B’ kept chased me money and ordered me to pay into ‘B’ bank account not to my OC/DCA. 5) Would I look really bad at the hearing (if there’s any I could go to) as I know some court judge don’t like debtor at all? Please I really need advices here as I really don’t know what to do now! Thanks for all the help in advance.
  10. I know many people here is not legal adviser, But The advice as I could get from this website always was more useful instead any lawyers or citizen advice bureau. Thank You My car Insurance payments: I insured my Second car since February 2016 for Premium: £1124.00 Sub Total before credit charge: £1124.00 Motor Premium Tax: £106.78 Total cash price: £1230.78 Total charge for credit: £111.28 Total amount payable for policy term: £1,342.06 In less of 20 days a Car accident happened Tried to get some advice from a legal firm about this case: I gave my case to a legal firm To advice me what they can do for me. But the company made a claim without any discussion, permission or confirmation. The third party gave a cheque for my car value to that unauthorised solicitor, But I never received the cheque, Because the firm tried to force me to sign a Client care pack. amended the contract and increased I did not provide my No claim bonus discount to them; ten days after the car accident they have amended the contract and increased my policy payment to 2367.94 I did not accept and send a complaint letter to them, They cancelled my policy and asked me to make a full payment as well. However, I paid them in full; They send a default notes to my credit report. The third party made claims against me to My insurance. My insurance informed me, they would like to settle the matter in 50/50, without accepting liability, if not, they would accept it in full. ( All communicate or conversation was by the emails and letters.) County Court Claim Letter After few months, from the Country Court, I received claims against myself letter under my name, to my address. I passed the letter to my Insurance by Email, And asked them if I need to respond to this letter!?; they told me, no, you don't need to do anything and when they settle the matters they will notifying me. CCJ On Credit Report Under my membership account with the credit expert and the Equifax, I informed about CCJ on my report but five days after the judgment date. My insurance forgot to respond to the court. They were apologising me. And told me they would remove the CCJ as soon as possible, because they did not update me on what's going on, and I could not trusting them anymore or take any risk, a day before the end of 28 days, I paid myself to the third party £3 039. I need help Because I was in a very hard situation during the last nine months. There are too many mistakes in my case from the beginning by my claim case worker. As she gave some comment without looking at the vehicle photo, and when I told her you could ask for the CCTV's Bus, she said, The third party representatives looked into this aspect of the claim and were advised that no footage was available. They did not tell me that I have to transfer my insurance to the other car. When I called them many times to talk with someone to explain to me, how they calculated the outstanding balance, if I need pay the full payment, need I pay the credit interest as well or APR? They did not tell me. They must have full responsibility for my accident and any matters as they promised me when we make a contract. I know under the credit agreement they should make a cleared about my policy or my credit agreement or any amended section in my contractor me as a customer. Many hours my time be wasted because They asked me to paid them in full. They did not respond to me when I asked them to make a clear the amount as they are asking me to pay, they wasted my time on the phone line in some hours, without providing me without any useful information. I paid them and asked them to remove the default from my credit report; I asked them by the phone and email, they did not accept and send a copy of the credit agreement act and told me you have breached our contract. The default on my credit report have not any good or any bad effect to that company, but the default have many effects on my daily life, Thus I don't want to accept any apologising from them, I Have some Question: I have got this insurance from 18 of February 2016 the accident happens on 11 of March they changed the policy on 24 of March Have I any right to not agree with the new agreement ( Agreement on 24 of March )or monthly payment plan? How should I receive the default notice when I had an accident, and I was not in any good situation? Because I paid and settled the country court claim against myself, They Own my money, is any way that they get the country court on their business credit report? This paragraph was in my insurance letter to me, What're means? I understand that you have satisfied the judgment of £3,093.53. You have the benefit of comprehensive insurance, for which you have paid the insurance premium. So, you should not be out of pocket any further. The accident was not my fault, Can I appeal to the court and defended myself? From the beginning, it is very clear as they don't want act for me. If they do act for me, what was the point for them? If I did not pay to them, by the law, have they any responsibility to acting behalf me or no? if the accident bee 50/50 what was the effect on my future insurance? which payment could I receive? and now I am 100% fault , what is the effect on my future insurance? which payment could I receive? Please Note: I have 11 years old no claim bonus discount as I used on my other car, I never have any accident before, and I have protected my no claim bonus for 2016-2017 not before.
  11. Hi I had a default placed on my account by Lowell Portoflio 1 limited. It only appeared about 4 months ago and had no relation to anything else on my credit file - it appeared out the blue as a default with a value of just over £100. I've since sent an initial letter that I found online, talking about how as they are the data processor they are responsible for providing with certain pieces of information etc. I have gone back and forward with them using letters - I had a response from them telling me they were unable to provide any of the information relating to the account or the default notice as they didn't keep this on their records. They have advised that they will also not remove the default. They mention in their latest response that the default is from a debt relating to a Vanquis account - I;ve only ever had one account with Vanquis and it clearly shows on my credit history as being a well managed and then settled account with no missed payments. I'm stuck as to what to do next! Any help would be much appreciated. Thanks
  12. Just out of curiosity. Since initial letter/email contact from a agency (this goes for anyone and no idea if in right bit of forum so please move if need be) What's the record time that you've seen off the agency? Think I broke my record today lol i.e. 4 hours
  13. Lloyds customers are losing their free, interest-paying current accounts and told to sign up for one at £60 a year. Loyal Vantage current account holders will no longer receive interest of up to 1.49 per cent from May 3. If they want to earn interest they must opt for the Club Lloyds account, which pays up to 3.93 per cent on balances of up to £5,000. It also offers access to a savings account paying the same and a 0.2 percentage point reduction on Lloyds mortgages, plus perks such as free cinema tickets. But customers will be hit with a £5 monthly bill unless they pay in £1,500 a month. Read more: http://www.thisismoney.co.uk/money/markets/article-3549204/Lloyds-snubs-loyal-customers-taking-away-free-paying-current-accounts-tells-sign-one-60-year.html#ixzz46pxXHH99
  14. several years ago I left O2 as phone supplier because of their poor customer service and frankly insanely stingy data allowances. I reached the end of my second 2 year contract, and gave them 30 days notice I was intending to leave and go to 3 as a supplier for their unlimited data usage. I got an unlock code for my now paid for handset, received confirmation that I was leaving and while waiting for my new contract to kick in with 3, this is where it gets sticky. While waiting for my new contract to start, I contacted O2 and asked to have rolling 30 day tariff activated on my account so I didnt have a non functional phone while waiting for my new one. I also told them I would not be keeping my old number as I wanted to change and the code for releasing my number to the new network would not be needed after all, but the handset was unlocked and good to go. Several months down the line and I start getting debt notices form O2. They stated I was now tied into another 12 month sim contract and I owed them for the full year despite never actually using a single day of the new contract after the initial 30 day period ended. I have fought this out with O2 for nearly three years and they have refused to accept I did not ask for the contract or use it, despite my showing them with phone records that for the last 13 days of the initial 30 day rolling tariff that I did ask for, the phone and number was not in use and by that time I had received my new phone. O2 have passed the account onto robinson way who have tried their usual BS tactics and received a blunt summary response from me. I have tried more times than I recall to speak to a senior person at 02, they have accepted in a public forum on FB on their page that it didnt sound right what had happened to me but subsequently refused to budge. I have now been slapped with a default on my credit file that is doing untold damage and I have no idea how to deal with this since O2 just will not speak to me and I know for a fact I never asked for a new contract other than the 30 day rolling tariff that I did ask for. I want to attack the default and get it removed as I know it isnt right but I have no idea what to do. Can anyone point me in the right direction for issuing proceedings against O2 if thats possible? There must be something I can do.
  15. Hi all, decided to take control of finances and stop robbing Peter to pay Paul. called my bank to cancel a specific CPA and guess what - CPA not cancelled. Had a plethora of promises - money will be recalled - won't happen again blah blah blah. My confidence in them has plummetted. I have made a complaint to the bank - looking for some advice if there are 'alternative' groups/CEO's etc that should be receiving a to-the-point email. GavieBaby
  16. Woke up this morning to an enforcement notice from Equita in respect of a June 2015 PCN at a council car park. We should have appealed the original PCN but it fell down the cracks (my car but husband was driving it at the time, both busy etc etc) So what to do now? The notice which is just on Equite headed paper says that the Enforcemen Agent is "authorised by the court" to remove goods/vehicles... My questions (and grateful for any other advice which can be offered): - What authority do these guys have? In what way are they authorised by the Court? Which Court? I have not seen anything from any Court. - I did receive an Charge Certificate from the Council. Can they try to take this? - I want to make an out of time appeal against the original PCN but I think I have to have received a TE3 for this and I am not sure at all that I have (we tend at least not to ignore court notices in this house). Is there any way I can find out? From the "authorised by the Court" wording it sounds as if I should have done. Should I telephone the enforcement agent and ask? - I am proposing to pay the fine and reclaim it (if we submit an out of time appeal - since I'm being put to all this trouble now I may as well take a little extra time now to reciprocate). I think this should cancel the enforcement action? Any major "DO NOT DO THIS" advice on this front? Thanks
  17. my dad got into debt and subsequently had a charge placed on the house after a credit card debt was taken to court. he died last year and now my mum looking to sell. do we have to remove the charge or will this automatically be gone and nothing owing when my mum comes to sell. she hasn;t notified the credit card company that he died last year. any help appreciated thank yu
  18. Hi I have been on this debt journey for a while now. I got sucked into the cycle of payday loans, all of which I paid off until it got too much and I defaulted with QQ at just under £1000 This was then sold to RedCastle. I emailed Redcastle in October Asking them to provide information on the debt as there were two separate entries for the same amount with different default dates on my credit file. One from Redcastle and the original one with QQ. I Sent a copy of my request to QQ and they removed their entry. I have now received this letter from Redcastle Recoveries. We are writing to you in relation to your above numbered loan that you originally took out with CashEuroNet.uk-QuickQuid, and which was subsequently acquired by us. Please note that we have now taken the decision to write off the balance and close your account. What this means for you: The balance on your loan is no longer due l We will no longer contact you regarding the above numbered account l You do not need to repay the balance of the above numbered account However, please note that because you have not repaid the balance due in relation to this account, if your credit file shows a balance is outstanding it will continue to do so for a period of time no greater than six years from the date that you originally defaulted on your agreement with CashEuroNet.uk-QuickQuid. You should also be aware that this may affect your ability to gain credit with other lenders, and that should you choose to repay this balance at a later date your credit file will be updated to reflect this. If you would like to speak to one of our agents regarding this matter then please contact them via 0344 894 1930 or alternatively via email on . Now I have contacted QQ and complained about the affordability of my loan and I am waiting on their decision, I had hoped that either they would effect the writing off of my loan or they would pay me the interest on all of my loans and I could clear it as it is the last remaining unpaid debt on my credit file. I called quick quid and they said they have not made a decision on my complaint and they did not contact Redcastle. So I am wondering why would they do this? Should I just be happy they will not pursue. But the whole point is to repair my credit so at some point in the future I can try to buy a house. Any ideas as to what I should do? Thanks Tia
  19. aa I've never received a N24 form before, so I have no idea what to do, also I cant seem find anything to do with the N24 we've just received on the site. All we received was 2 sheets of paper, telling us to file within 7 days, & a cryptic accompanying letter sent to our solicitor. I've attached this to the post My main question is what is "an order excluding the Defendants from the property"? Does it mean a lodger ie an excluded tenant? or something else? Is it evicting a commercial tenant? The full paragraph says : " in detail and in numbered paragraphs the background to the dispute and why they are entitled to an order excluding the Defendants from the property" I have no idea what this means ... The accompanying letter to the solicitor said something about varying a residential contract into a commercial contract. I've included the full letter as an attachment. The exact wording about the varying order is: "That the said Assured Shorthold Tenancy bearing the latest date be varied into a business/commercial lease upon registration or obtaining an operating licence with the regulatory board namely Office of Standards for Education Department (OFSTED). " Also is it possible to ask the court to show us the original application or order from the court, so we know what the hell is going on ... The only forms we received said Because this Order has been made by the Court without considering representations from the parties, the parties have the right to apply to have the order set aside, varied or stayed. A party wishing to make an application must send or deliver the application to the court (together with any appropriate fee) to arrive within seven days of service of this Order. The Claimants must file with the Court and serve on each Defendant by 10-12-2015 a signed and dated witness statement which sets out clearly and in detail and in numbered paragraphs the background to the dispute and why they are entitled to an order excluding the Defendants from the property and which contains a declaration ('a statement of truth*) that the contents are true . 3) When the Claimants do this the application will be placed before a circuit judge who will decide without a hearing when it will be heard: 4) If the Claimants do not do this by the date given, the application (but not the Claim will be struck out) Dated 17 November 2015 Again we have no idea whats going on, please help. Thanks
  20. Hello all, When I was stupid and 17 I took out a phone contract with vodafone for my father, I wasn't working at the time so was relying on him paying me the money every month so I could pay vodafone but he never paid me thus I couldn't pay vodafone. The phone got cut off and was ordered to repay the remaining debt of £595. This I couldn't afford at the time so the debt was defaulted. Now I am 20 and more mature but that default has completely ruined my credit report, as I was underage I believe that the default should never have been put on there and I can order them to remove it. I have contacted Vodafone about this and they said they can't find the account so there's nothing they can do about It. I am able to repay the debt now in an installment plan as long as they remove the default. So what do I have to do seeing as they won't acknowledge the account? Kind Regards, Curtis
  21. Hi all I would welcome some advice on this please. In September, I upgraded my phone with T Mobile and entered into another 18 month contract. Had a nightmare with the first handset that 2 T Mobile stores were not interested in despite quoting the usual sale of goods act etc. and me taking the handset back on the 10th day after having received it. Eventually, Customer Services on 150 relented and replaced it as a swap out the next day. I got round to reading the manual last weekend to see what exciting things I was missing out on and I decided to download some new screensavers to make the phone a bit more "funky." I then discovered that despite changing all the settings that the screensaver would never activate. The phone display switches over to power save mode, i.e. goes blank instead of displaying the screensaver. I undertook some research into the issue on both T-Mobile's user forums and Nokia's own support discussion forums and it turns out that this is a known software bug in the N79 handset. It also appears that the manufacturer knows about it but has failed to fix it in subsequent firmware releases. It is also unlikely that Nokia will now release any further firmware for the handset as technically, or rather in the technical world, it is now quite an "outdated model." I have emailed T Mobile Customer Relations about this and they have contacted me to say that if the manufacturer is not going to fix it there is nothing that can be done. I however am not happy with this. Surely the goods are not functioning "as described," i.e. the manual states that you can change the screensaver and although you can, the end result is that it doesn't work. I know that a non-functioning screensaver is not a life or death situation i.e. the phone makes calls, sends texts, browses the web but am I the only consumer that is getting a bit sick and tired of companies that earn millions of pounds from their customers getting away with everything? At the end of the day, my contract is subsidising the cost of the handset in a large capacity. If I had purchased this phone directly, it would have cost me a few hundred pounds at least. The crux of it is that I used Nokia phones for years previously and every handset I have had has always had "some problem" of one thing or another. Back around 2003, I had Orange replace 15 handsets, one after the other and each one exhibited the same problem as the last. It was a nightmare. I thought that 6 or so years later, with the advancement in technology that Nokia may have improved it's standards and the first phone I pick up in this 7 year period manufactured by them exhibits yet another fault. I have contacted Nokia, although I am under the impression that it is not down to them to sort the problem out and they have suggested that I send the phone "for repair," which judging by other users on their support forums, does not resolve the problem anyway and just leaves you without a phone for 2 weeks. I was wondering if I could glean some opinions please ? Am I right that the phone is not "functioning as described" and therefore breaches the sale goods act ? Thanks very much J
  22. Hi All, First time poster! I've been battling with Barclays over a default they placed on my credit file purporting to a current account with Barclays which I didn't recognise. Six months ago my partner and I were house hunting, at this stage we were really just getting a feel for the market. A house came up that was perfect and we set the wheels in motion hoping to get a mortgage offer sorted within the week and put an offer in. After visiting a mortgage advisor, he asked for copies of our credit files, which we duly acquired from the two credit reference companies and sent them to the advisor. Whom then told me I'd no way qualify for a Help to buy mortgage due to a recent default on my Credit File. I was utterly shocked, especially when I found it was linked to a Barclays Current Account. I have never been a customer of Barclays, ever...at least to my knowledge. I contacted Barclays and went through the SAR motions. It would appear that my very old Mortgage account with the Woolwich (circa 10 years ago the mortgage was paid off and account closed), had been migrated to Barclays and somehow they had issued a charge on the account which changed its balance from NIL to a negative amount...this Current Account now in unplanned overdraft accumulated fees for approx 9 years. In January this year I had received a letter from Barclays saying my unplanned overdraft is being terminated and I must pay them back £267 immediately or face legal action. I contacted them and was advised to pay it to prevent legal action and chase the cause afterwards. So I duly paid the outstanding amount, paranoid that I'd get a blotch on my otherwise pristine credit record. At this point I was writing to Barclays enquiring where the account came from. Now fast forward to April and my house hunting exploits with my wife I mentioned above. After much messing around and letters going back and forth between myself and Barclays Customer Services, They admitted fault and removed the Default from my record, refunded me the £267 they had originally demanded and offered me £50 by way of compensation. I'm literally about to write a response to Barclays about the £50 compensation. Basically, I would have purchased my own house months ago, if it were not for Barclays and the erroneous default, it has stopped us moving on with our lives, prevented my children from being able to settle into their new home (currently 2 girls and a boy sharing a room), its caused endless amounts of stress to myself and my wife and caused months of worry and unhappiness whilst we believed that nothing could be done. I don't think £50 really cuts it after I've had to pay months worth of rent, I wouldn't have had to pay, the emotional turmoil and stress they put us through (I lost 4st due to stress, though that's probably a good thing), my wife has been put on anti-depressants due to the stress and worry. I don't want to be THAT hard done by guy whom is out to line his pockets with someone else gold, but I feel we were forced to hold the ****ty end of the stick through no fault of our own and we had 6 months of misery because of it. I'm not sure what my point is, or even why I'm writing this post, I guess i just needed a rant. On the plus side, it is such a relief that the default is going and we got our money back, but I'm not happy with the compensation they have offered, in fact I find it a bit of an insult. Appointment book for the Mortgage advisor for tomorrow and hopefully we will find another perfect property soon.
  23. Hi Guys, I could do with a bit of advice after an illness and arranging payment with various companies my credit report took a kicking as expected however I have now caught up with all but 2 HSBC and Cabot I still have an arrangement to pay. I must add that these 2 where defaulted on some time ago, whilst shall we say discussing payment arrangements. The issue I have is that even though I am paying that theses 2 accounts and have been for over 14 months they are still showing as defaults and are killing my credit score I have contacted Cabot (they where not any help) any ideas how I can improve my credit score
  24. Hi All, Well now debt free regarding Payday lenders however still having an issue with Motormile clowns, i had a loan which was owned by gothia who entered a default on my credit file on 05/04/2010 and marked settled on 14/07/2013 £1004.00 However Motormile have also entered a default for the same debt as follows default date 30/04/2010 £1,774.00 ( started on 1/3/2010 £1,004.00 ) they have also listed a default for an old minicredit debt which was also repaid Started on 23/10/2012 current balance £528.00 Default on 30/11/2012 £390.00 I have wrote and wrote and wrote, i have reported them to OFT but now completely cheesed off, i have not had contact from MM for over a year now yet they still refuse to amend my credit report. What action can i take now or just wait until the 6 year hits andd they drop off my report. Are Motormile still trading ?????? any help would be great :mad2:
  25. quick question. bailiffs clamp my friends car over unpaid council ticket. he sat in the car and bailiff called the police. informed him he was committing the offence of obstructing an enforcement officer and will be arrested. officers radioed control who said to go ahead and arrest them can they do this
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