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Found 8 results

  1. Hi I am after a bit of advice on whether it is possible to ask for a default to be added to a settled account. I initially took out a txtloan ( now Myjar) Payday loan for £100 on 23/02/2012, this was repaid on 08/03/2012. I then took out another £100 loan on the same day which then went into arrears due to financial difficulty, I had multiple payday loans which were taking up the majority of my wage on payday. I entered a dmp later that year with the lenders receiving their first payment in December 2012. All of the loans are now either settled or satisfied. I am looking t
  2. Hi, I bought an item from a company in the USA. It arrived safely by Fedex. A while later, I received an invoice from Fedex asking for payment of VAT and a handling charge, £26.29 in total. The following is the relevant paragraph from my second and last email to them. I have now received a demand for payment from Control Account PLC. "If Fedex had made it known to me before I agreed to purchase I would have been able to make a choice. As it is Fedex is trying to make a retrospective charge against me. According to my understanding English law does not allow retrospectiv
  3. Hi and thanks again for the forum. I purchased a used car from Profiled Cars in Pitsea, Essex on the 21 of September 2015. I drove the car home and went to lock the car with the remote and it would not lock or unlock from the remote. locked the car manually and sent a text to the dealer. He advised at this point that he was not aware the key didn't work and he advised me to change the batteries and to reset the key as per the handbook. T he key wouldn't reset. I texted the dealer back and he advised me to bring the car in at the weekend but to check first
  4. I'm currently repaying (on a payment plan) an old council tax bill on a property which I vacated in 2013. For the period the bill covers, I was living alone, but never claimed a single person discount at the time. Have made initial contact with Council, who say they can only retrospectively apply a single person discount from 1st April 2014. I understand that each council will set its own policy on how far they will backdate single person discount, and that there is no legislation as such which governs this? So my question, has anyone successfully badgered their council into app
  5. Hi there, I had a Barclaycard I thought had been defaulted with the CRAs back in 2009 due to a Notice of Default I had received. Barclaycard actually added late payment markers '6' for over two years before closing the account and selling on to Cabot. I have spoken with Barclaycard and I think they are going to agree to a retrospective default. However, I am arguing this should have been in May/June 09 when they first send Default notices and applying default sums to the account. They are saying Oct 09 is when their records showed the account was regarded as a defaulted accou
  6. Hi all I have recently finished a DMP and I am finally starting toget my finances back on track and I am hoping for some advice on improving my credit rating. My situation is as follows: The defaults registered on my account are due to fall off in August of next yea rand I am starting to put together a deposit for a mortgage. With this in mind I am trying to do whatever I can to improve my credit rating. I have recently been successful (with the help of the FOS) in getting a default retrospectively added to an account that was previously marked with AR markers
  7. Last June I paid for a year's storage in advance with a well know self-storage company. At the time I took the opportunity to negotiate down the charges they initally quoted for renewal (I've been using them for several years now). The negotiation was all done over the phone and no mention was made of VAT at the time. I am now being asked by them to pay VAT on the charges relating to October onwards. They claim that they had not known the storage charges were liable for VAT until recently when their lawyers confirmed that it was. I've looked on the government web site and see that it was mad
  8. Hi Guys, I am new to the forum but I have read a huge amount of information of which I am very grateful for. I used to work offshore in the Isle of Man and initially when I moved over with work, I used my UK number. After see my direct debit sky rocket, I changed to a local provider. The bill is around the £1000 mark, of which I wasn't able to pay. Majority of the bill was data roaming charges and after investigating on their (Orange) website, I found out that there are data bundles which can be applied to your account prior to leaving. However, I wasn't aware of this and
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