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  1. Good evening all. I will try and be as brief as possible but I would like some advice on the following. I left my ex employer on 18th December 2015, working no notice. 7 weeks to the day later I get a letter from them saying I owe them just under £500 as I had infact been paid up until the 31st December. I queried this and requested other documents from them to which I never received. They got another company involved in trying to claim this money back. I was taken to court and obviously court costs were added on top. I never paid that, I had a letter t
  2. Hi, I wanted to get some opinions/advice regarding an issue I have and wanted to know what the general feeling, or even better someone who has experienced this problem and what the outcome was.... I purchased an Audi A3 1.8TFSI and the car has the same oil consumption issue as the 2.0 TFSI (mainly Audi A5's but A3 and other models also). I went for the 1.8TFSI as I didn't think it had the same oil consumption issue but it appears it does, just less well known. My local Audi dealer is doing all of the tests and in a couple of weeks they will have all of the details to put fo
  3. I am currently in a similar situation and wondered if you can give me a bit of advice. https://www.consumeractiongroup.co.uk/forum/showthread.php?472364-Advice-needed-Claims-management-company-court-case&p=5087639#post5087639 Like you i accepted a hire vehicle after a non fault accident and told auxillis/principia that i was not in a financial position to pay for a hire car myself upfront. I don't consider myself to be in a financial position despite savings accounts, as the savings are for a purpose and i didn't think that it was reasonable for me to go into my savings to
  4. I posted a mobile phone I sold to someone using Royal Mail's {RM} Guaranteed next day delivery before 1pm service. This service also includes insurance for up to £500 for loss or damage to items using this service. The item was posted in the UK from my local Post Office in Cheshire to Northampton so classed by RM as mainland mail. The recipient collected the item from their local RM sorting office and when opened there it was found to have damage by way of a cracked screen. The recipient advised me of the damage in writing within 30 minutes of collecting the item and at my request he post
  5. Hi All I've received a letter from Monarch, a debit collection agency, stating that they are pursuing me for a debit of £12 (yes £12!!!) on behalf of an old Talk Talk mobile account I had. I haven't used the mobile number or sim for at least three years. The sim came free when I joined TT for one of their broadband, TV and phone packages about 6 years ago. I contacted Talk Talk in December by phone and they said that the monthly charge I was liable for had been introduced from July 2017. Unfortunately they had my old email address and they sent notification to that old emai
  6. Hi All, My first post - please be gentle this is a very stressful and difficult time! Back in Feb I received a PCN from Manchester CC. I can't recall why I was even in Manchester or anything about the circumstances. I was pregnant at the time and unfortunately lost my baby in April. From there everything went to pot. I couldn't cope with day-to-day life, I left my job and things that should have been sorted just, well, weren't. Fast forward a few months and I received a letter from Equita stating that they had a court warrant to deal with this. Having had nothin
  7. I purchased a washing machine from Appliancesdirect and it failed to work properly from day1. A few days later I read the Trouble Shooting guide in the handbook. It suggested the fault was a shortage of water getting to the machine. I reported this to AD and their advisors agreed it looked like a faulty installation problem and they would get their carrier to come and check it out. Their carrier, Arrow XL ,did the installation. After many phone calls @13p/minute, and emails, I was informed that Arrow would send someone out the next day to check the machine. This failed t
  8. Hi, new on here. I have also had same letter arrive (in my previous married name even though i told them my new surname)yesterday stating HPH2 taken over the debt. Yes i have a debt, stupidly entered into during marriage but genuinely thought if we split debt would be shared between both me and Ex husband. This is an AA Loan of £3920 Ex has gone underground so now after just me. Statue barred could you explain if it is from last payment made or last communication with debt company. I communicated 2014 advising financial situation and it went on hold. I last made
  9. Hi I'm new here but would like to ask has anybody taken Parcel2Go to small claims and won? My case is: I instructed P2G to pick up and deliver a very heavy 33kg Subwoofer speaker to my address without taking their extra insurance. Its was delivered a couple of day later with broken corners and a grill that was recessed into the unit. I'm taking them to SCC under section 54 of the consumers rights act 2015 holding them of negligence and in breach of contract by operforming reasonable care and skill in delivering this item. A last letter of action was sent and I'm
  10. Hi all, I have for the past few months been in dispute with Lowell regarding an old Studio account, now because they now have confirmation of where I live - they seem to have linked a really old account from Cabot (this was an old Barclays overdraft from over 10 years ago) which i'm sure we haven't made contact or payment on for well over 6 - however i can't be 100%. Is there a way of finding out for definite? The first letter went along the lines of 'now we know where you live blah blah - you owe £***'. Two weeks later another letter arrived saying we will accept £55
  11. Car repair cost amount to the approx. value of the car, your customer service tell me they can send salvage agent to collect ( then they will valve car and negotiate a value) how about don't be silly its going nowhere till any payment is agreed and cleared, or 2/ they can send an independent assessor out and I could then decide how I want to proceed and if he deems car a write off it will be categorised whether I claim or not (so your devaluing my vehicle if I don't claim but an assessor come to inspect it ( sounds like a bad joke) 3/ or I can choose a repairer of my own a
  12. I am a new user to this forum so I don't know if any one can help. I completed an I.V.A. and got the completion certificate in October 2016. I also have a letter of no interest in any P.P.I. or subsequent awards. If I claim for P.P.I. redress will I receive this or can it be used as set-off
  13. Hi All In brief my son bought a car 3 weeks ago and applied for the log book (he had the green slip). Whilst parked outside our house it got clamped because of a parking fine the previous owner had incurred. Despite my son having the log book back and in his name the bailiff is yet to remove the clamp claiming that the system his end has not been updated. DVLA have advised we call the police but I know they won't be interested. The car is obviously illegally clamped but where would we stand if we removed it? Thanks in advance
  14. I'm looking for some advice please. I have been looking to claim back PPI which was provided under a consolidation I did some years ago. It seems very complicated to me and I have put it off for a long while. Recently however a close friend of mine who had the exact same set of circumstances has made a successful claim. My big problem is that he has paid £5000 in fees by his claim company. So out of a total £11000 claim he has only received £6000. This seems ridiculous! The story is that I was approached by Carrington Carr, who persuaded me that consolidating my debt
  15. Hi, With ref to : https://www.consumeractiongroup.co.uk/forum/showthread.php?483974-ADVICE-required-Defendant-insurer-refusing-to-pay-for-credit-hire-vehicle I was just reading up on hire company car issues and have found myself in a similar situation described earlier this year in the forum. I had a car accident a few weeks ago and I was not at fault and my insurance company have referred me on to the solicitors and they offered to repair my car and give me a hire car to use, which I accepted as I believed this was something I was entitled to since I was not at fault. I am now
  16. Hi, I have received a letter from DCBL which states: "Your overdue amount of £269.48 due to Excel parking services ltd in relation to a county court judgement number xxxxxx has now been passed to DCBL to recover the debt on their behalf" It also mentions a further £75 + vat charge. I have searched lots of forums and the advice has been consistent to ignore all letters from Excel parking or any debt recovery firms. i am concerned this letter mentions CCJ number which suggests a CCJ has been issued. I dont recall receiving any court letters, although i have changed address.
  17. Hi, I have debt from pre 2007 which, after a few years of creditors leaving me alone is now coming back to haunt me full pelt in the form of solicitors letters from Debt Collectors. I suspect this is because they have wind via the land registry that I bought my parents house two years ago (to help them secure a more affordable mortgage after their ill health prevented them from working). The last time any of these debts were acknowledged was February 2011 when a DMP made a payment on my behalf. However I do not know any more which debts are still outstanding.
  18. Hello. I have some debts with 1st Credit, Westcot, Frederickson, BLS to name a few whom (and switched hands between companies), from my Student days. 1st Credit is near 1.6k, the others are around £400 each. I currently pay back via the Citizens Advice agreements each month. Pretty much it's going to take 14 years to pay off 1st Credit for example. They all often send me offers/reductions on the debt if I pay today, or pay XX amount, Westcot notably just started doing this today for a £400 debt. Would I be wise in potentially sending requests through
  19. Hope someone with legal knowledge can help with this matter, We have sold our house in scotland and complete in 4 weeks. We have since discovered we have an inhibition order that was renewed for an old CCJ obtained in England that we need to get lifted. The story is this. We had a default judgement registered in england in january 2008 for 19k by a debt collection company. We went to court to get it set aside/defend as we were living in Scotland at that time. We were challenging jurisdiction and the amount plus. The judge issued a revised order in may 2
  20. Hi All, Currently have sent out CCA's to numerous DCA's However there is one i am unsure of how to proceed. Debt in question is loan from around 2000. Defaulted early 2004. CCJ obtained Sept 04 Interim Restriction added on Land Registry Oct 2004 (Debt in my name, house in mine and my wife's). I have checked the Land Registry and the name of the original creditor is still on there - CCJ not on Trust Online. This debt has been sold on - current DCA has had it since 2012. They have never mentioned the CCJ or CO in any correspondence. Can they rea
  21. Hi There I have recently recieved a letter from PRA group regarding an old payday loan i took out with lending stream back in March 2010, which it says is the date of loan agreement on the letter. Am i right in saying this debt is now statute barred? Do i contact PRA group at all or do i just ignore the letter? Thanks in advance
  22. Dear Forum Fans, I have CCA'd 2 old debts I have from old Credit cards, 1 to Cabot Financial, the other to Buchanan Clark + Wells. I followed all the templates on here, sent blank postal orders. This was last week and they have not even had them for 4 days, I have received the following replies: Cabot: Dear xxxx Your request for information under the consumer credit act 1974 Thank you for your request for information under the consumer credit act 1974. Cabot financial currently does not have this information on file. However, we have requested the relevant information
  23. Hi I am not sure I am posting in the right section so apologies in advance. I bought a humanoid robot, ordered in May (2017), received June. It developed a fault in July after general setup. Contacted the reseller I bought it from and he advised me to send the robot back to the manufacturer in Paris. I logged a support call with the manufacturer they went through the process of checking, asking me to do various things including sending them videos of the fault which they eventually confirmed that it needed to be returned for repair. I thought nothing of it
  24. Not sure if this is the correct forum so apologies if not but I was wondering what others would do/if anything, with regard to a complaint I made recently about a JCP Advisor. I have been on JSA now for over a year but have been suffering from a vertigo condition (saga is in another thread!!) so I am limited as to what jobs I can apply for. Those that I have applied for and there are over 300 of them, I have been unsuccessful. I had a pretty good advisor to be honest who appreciated my limitations but suddenly out of the blue I was moved to another advisor who was as far as I know n
  25. Barclays have just told me that the contract is terminated and even paying the arrears in full will not stop the car from being repossessed. Today was the last day for surrender... Anyone know how long it will be before they get a court order or any options available... I pleaded with them on Friday, and though the arrears are only £540, they will take the car and put it in auction where I am due to lose about 2k of the value and that will still be owed to them... HELP PLEASE ! Barclays Partner Finance are in the process of repo my dads car. They have t
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