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  1. After submitting income and expenditure form, I have a lender asking for 2 months bank statements "to validate the information on the income and expenditure form" "We would require this information in order to agree a potential reduced repayment plan." Am I under any obligation to provide this?
  2. Hello I hope some one can help. My husband today got letter from the HMRC stating that since he earns over 50k per year we have to pay back all the child benefit payments we have received since 2014. He received form SA252 on 17 August 2013 (following incorrect 2012/2013 Self-Assessment – where didn’t tick the Child Benefit box!) whether receiving Child Benefit – clearly missed this. Since that time there has been no communication and no letters etc have been sent to me his wife either, even though I get the payment. The HMRC states that they sent letters on 15/9/17 and 23
  3. Long story short, 18 yr old son purchased a brand new car in October and as part of the deal the dealer offered him £2300 for his PX without seeing the car but I assume they ran a valuation on it and HPI check etc at time of quoting the PX figures etc..... This week my son has just received an email and recorded letter from the dealership headed final before legal requesting he pays £500 to the dealership as the PX only fetched £1800 at auction as a consequence of the car having apparently been written off under Cat D damage that my son had no knowledge of having bought the PX privat
  4. Hi, I’m hoping for some advice for my uncle. He is 71, has had schizophrenia all his life, used to live with his parents till they passed away 15 years ago and now lives alone. My mum (his sister) and my dad visit him weekly to check on him, take him some food and do a little clean for him. He receives DLA (lowest rate) and pension credit and has rent paid on a small run down flat. He is usually very private about his finances last time they visited he was very anxious and told them he received a letter from the DWP to ask for bank statements to prove his amount in savin
  5. Hello It is my first time posting in this so I’m unsure what I need to put. I Joined 1gym a few years ago on a 12 month contract (I wasn’t aware of as I was rushed to sign the forms and I was only young). I didn’t use the gym and they were taking more money out than agreed I sent an email and cancelled my direct debit. I haven’t heard anything since until today I received an email from CRS asking for over £300 for the membership as an unsettled debt. It needs to be paid within 7dayz or they will take further action. I believed everything was fine as
  6. Hi all, I sold a very expensive figurine on eBay and sent the item to the seller very well packed first class next day. Two days later the seller requested a full refund stating the item had been damaged in transit. I requested photos of the damage which showed the packing box (shipper) squashed on one corner, the box inside with the figurine inside appeared to have a cut along the corner running up the side of the box. When I received the item back the damage to the box of the figurine appeared inconsistent with the damage shown to the box that housed the f
  7. Hi, Can someone explain the difference between box 1 or box 4? box 1 - admit liability for claim and make written application to pay by instalments and box 4 - admit liability for claim and apply for time to pay under consumer credit act 1974 the paperwork looks very similar? Which would be the best one to submit? I owe the debt, they have proved i owe the debt, i want to pay it off but can't pay in one lot. I would rather not have to attend court if possible, hence why i want to admit and make offer to pay. Just confused re the 2 options for making a
  8. I have received a couple of letters from DHL, requesting a payment of £11 for Duty and VAT following the delivery of my order from China. "In the event that we do not hear back from you within the next seven days, this matter will be passed to a debt collection agency working on behalf of DHL for further action, resulting in an administration charge being added to the account, If you have already paid this sum please accept our apologies for this communication." Are we entitled to be provided with proof of payment to HMRC by DHL ? Upon further investigation, i can confirm tha
  9. I'll keep it short but include all necessary details. I started a foundation degree with the Manchester College in September 2011. I was on the course for 6/7 months and then I dropped out. I never informed Student Finance and I just informed my college that I was dropping out. I am not sure if my college then in turn informed Student Finance or not but I never received any further payments after I dropped out (I know that much). I am not going to lie and say I know all the figures of what I borrowed or how much I was actually paid. upon checking the student loan re
  10. 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
  11. We had a credit card with a debt of around >10k when we moved to Canada. It was transferred to Apex and we asked for a CCA in 2013, they did not supply it so it was no longer enforceable and we stopped paying it. In 2016 it was transferred to a DCA and again we asked for a CCA, they did not supply so we carried on with not paying it. My questions are: a) How do I find the data of our last payment and acknowledgement of the debt. Do forums like this constitute acknowledgement. b) How do we go about requesting our Credit Reference from the UK as we have n
  12. Hi I was recently part of a 6-a-side football team who played in a league run by Champion Soccer. Before the start of the latest season of this league, I contacted them to withdraw my team from the league because we did not have enough players to carry on. However, I have now received an invoice asking for £104 saying that we owe them a £25 registration fee and a £62 double match fee for not fulfilling a fixture. Upon contacting them again to query this and explaining that I had not signed the registration form at the end of the previous season to keep the team going, I was
  13. Hi New member here, i am hoping i get some advice here. My Wife had started a job at a medical spa which does botox , skin facials. She worked there in May 2016, my wife started work but they were paying her such a low wage , she was reluctant to take the position, but she took it. The woman in charge had no idea how to run a medical spa at all and started to use the 12plus years knowledge my wife has . Before my wife had started work the woman had said to my wife that if my wife leaves within two years she would have to pay back any training costs. My wife started work but n
  14. Hello there I'm a 20 year old student who was lucky enough to be caught out by a revenues inspector before we'd even left the first stop (penzance).. i got the whole 'you dont have to say anything' etc followed by a set of questions. I chose to comply, i have a railcard, im not a train hopper, i wasn't hiding in the toilet, i was short for time as i was relying on a lift to the station and so i ran onto the train at the last minute. after the set of questions and after i spent time arguing my point, he told me i would receive a letter which would be a cauti
  15. I have a number of defaults on my credit reports they are about 4 years old. I am thinking of writing to each creditor/collection agency asking to produce copies of the default notice and the credit agreements. My question is this. If a creditor or collection agent cannot send me copies of the original default notice and the original default becomes unenforceable is it possible for them to issue a default notice following this for the same account? therefore a 2nd default on that same account would be on reports for another 6 years? Thanks in ad
  16. Looking to send a DSAR to Npower after not being billed correctly for nearly 1.5 years after having a new electric meter installed in August 2014. Have made official complaints to Npower direct & the Ombudsman but still not any further forward with getting a correct bill as basic maths seems impossible for Npower staff. Am now dealing with Npower via letter/email only as fed up with being lied to/pasted from pillar to post/having the phone hung up on me. New development is that Npower haven't taken Jan 2016 direct debit payment, my bank states that Npower never put the request through!
  17. Just wondering whether it's worth getting further medical evidence together and asking for a MR to be moved to the Support group? I wonder as I'm getting the feeling all DWP care about is the outcome of your WCA, specifically the number of points you got allocated.
  18. I have taken a new job and in an area where O2 have no service. Contacted O2 for advice to be told my phone was out of contract and I was told this on three separate occasions. Based on that I looked for a supplier who covered the area, found one signed up for a contract with them and contacted O2 for a PAC code at this point I was told I still had a year left on the contract, I mentioned my previous conversations to be told they made a mistake I have now been sent a termination invoice. I am reluctant to pay this as I went to another supplier based on the fact
  19. Hi there, I am hoping for a quick bit of advice. I move into a new property of Monday, and the housing association have told me the following - 1. They want to take photos of myself and my wife for "their records". I am not particularly happy with this as I dislike cameras in general. It makes no mention in my tenancy of this. 2. As we are on Housing Benefit, they want us to start paying £10 a week in anticipation of Universal Credit, so we can build up a credit on our rent account. I have not had to do this with my current council place. Again it makes no menti
  20. How do I request Armed Forces Service Records? Individuals seeking Service records for a variety of reasons, some to acquire their own Service / medical records and some in connection with the growing interest in family history. Whatever the reason, obtaining copies can be a surprisingly straightforward process. The process differs, depending on whether you are requesting your own records, if you are the next of kin of a deceased Service person or if you simply have a general interest in an individual. READ MORE HERE: MOD Request Personal Data and Service Records
  21. Good morning Caggers It has been some time since I last wrote and to that end I could do with a little update please? I had several loans to which I had defaulted some 6.5 to 7 years ago now. Now, out of the blue, I have DCA's and banks requesting payments on them. They have completely vanished from my credit reports. What is the correct course of action to deal with them please? Many Thanks for your help in advance!
  22. Allegedly I drove into the bus lane in august 2014, twice. Bmth Council have sent PCNs and all corespondense to my old address. I moved to the new address in january 14. My oversight was to notify driving licence department of DVLA and presume they will share information with vegicle registration people.. . I letter has been delivered to my on 04/08/15 by the new owner of my old address. Its from Equita. They have been trying to reposess my car for the debt of £579. Since them I have been in touch with Bournemouth Council and TEC,
  23. Hi all. Went bankrupt in 2008 and included a welcome loan in it as a debt. Last year received a CCJ from them claiming repayment, filed a defence saying it was included in the bankruptcy, now received a demand saying i need to provide proof or they will proceed with the claim. Do i need to provide proof, surely its not that hard to prove i was bankrupt They claim they cant locate any proof of the bankruptcy. if so HOW DO i prove it??? Rgds
  24. Hello everyone, I just joined this forum and have a small problem. I'll keep it as brief as I can. I was renting a room for 6 months in a private accommodation and recently moved to a different city. The problem is that my previous landlord is now requesting me to pay £200 or to find a replacement to rent out the room... and on top of that he gets to keep the deposit of £200. Now I gave him about 2 weeks notice before I moved out and never actually signed the contract which I did see in electronic form.We only ever agreed that I will stay for 9 months in verbal form. I am ok with him keep
  25. Hi, Hope this is not a stupid question but after paying a token £1 per month payment for a number of years my debt has been passed onto a new Dca and they want proof that I'm on benefits. I can provide a photocopied letter from the SSA but my question is a data protection one, , can the information they hold on me be passed to outside 3rd parties and any other agencies or is it held by them 'in house'. Many thanks...
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