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  1. First time poster here desperate for some advice after google has proved fruitless. This is a long ongoing story so please forgive the length and thank you in advance if you manage to read everything. I bought my first car 28/06/2018 from a car dealership in Hounslow, ATM Motor Trade. I found the car on Auto Trader, the dealer had good reviews and it was a good deal for the car that I wanted. The drive from my house was around 90 minutes each way but I was confident I was going to love the car. The saleswoman seemed knowledgable and friendly and I bought the car that day. I paid by
  2. Hi I was wondering if anyone can offer some advice. My partner took out a Northern Rock loan at the end of 2005 for £25,000, with agreed payment of around £37400 over 120 months. As an aside it just shows how badly NR were engaged in unethical lending as she was only on £11k a year at the time. She made 39 of those payments totalling just under £12200, and additionally she made around £470 in over payments to a grand total of £12670. After being diagnosed with a long term illness, she lost her job and then found it difficult to repay the loan. She organised token pa
  3. Thought there was something fishy with my account balance on very.co.uk, I contacted customer service this morning. Turns out they've charged me again for a PS4 bundle that I returned last week, as an item was 'missing' (PlayStation Network 365 Day subscription card). Apparently it's in transit back to me and they say they're incapable of advising me until I get it back -- for whatever reason. Of course, no one from Very warned me that they'd charge me again, let alone that they'd be sending it back to me. Not a call, not even an email. Is 'Just figure it out yourself'
  4. I bought a car for £6K but it was faulty and so I rejected it. The dealer promised a refund but has not paid it and I have obtained a CCJ. However they have now ceased trading. I have a name and address for the owner and will pursue via bailiffs. However is there anything more I can do? It seems rather odd if there is no criminal offence.
  5. Hi all, Hope someone can advise me what to do here. To cut a [very] long story short, I left my Samsung PC monitor at Currys in Lincoln at the beginning of June. They sent it off to the repair centre and it came back about a week later. Due to ill health I couldn't get to pick it up until last Thursday. When I did it was wrapped up in bubble wrap and I didn't have the time to unwrap and check it in store (BIG mistake!). I unwrapped it Monday evening and, to my absolute horror, it was covered in scratches! The whole of the bezel is just full of them; it looks like it's been laid
  6. Hopefully someone can help me with an issue I currently have with paypal. I bought a bed online for £399 and paid with Paypal. When it arrived it wasn't as described. I followed the returns instructions on the seller's website which involved them organising collection of the bed. It went back to them and I received an email confirmation from them that they had received the bed back. They also said I would get a refund in 3-5 days. The refund didn't show up and I raised a claim with Paypal. I explained in my claim that the item had already gone back to the seller and I had confirmat
  7. I have been paying CBS Transcom £5 by Standing order However my payments keep getting returned does that mean that I have paid the debt or does it mean that they have sold the debt onto someone else I am afraid to contact them as in case I have not finished paying the debt off and they have passed it onto someone else !. as i have other debts which I incurred some time ago and am trying to pay off due to my circumstances cannot afford to pay them outright as with CBS TRANSCOM . what should I do? I cannot keep up with these people! and I am not gett
  8. It's an odd case. Mostly because I have autism and I struggle to communicate. I am sometimes catatonic for months. In March 2016 I bought a refurbished laptop with 1yr warranty from SKUNKWURX LTD (they use many names, line svx-online, and others). The laptop failed (motherboard burnt) and I returned it for repair under warranty. The laptop failed again and I demanded a full refund. Unfortunately for me, I was using the advice of Citizens Advice and Money Saving Expert, which are quite inadequate, to be honest. (Since then, I've had the luxury to discuss with YOU my Ford
  9. Several years ago I paid the deposit on my sons rented house. When he left there were deductions as he had made a mess of the decorating. I accepted this amount. Upon requesting the remaining deposit I was told that another house sharer was claiming that she paid the deposit! The agent has since refused to pay me my money until I can sort out the matter. What should I do please?
  10. Today my gf has had back two letters, one from Mint & the other from Natwest after requests for CCA (mint) and SAR request with Natwest. Mint have stated the following: Does this mean I would also be unable to request SAR from Mint & reclaim PPI charges? As for Natwest, they have asked her to sign a form, provide evidence of identification "certified by a member of staff at any branch or a solicitor!" & "As the purpose of your request is unclear, we require some further information from you to help clarify what you are looking for" Are they for real? She'd have
  11. I have finally heard back from CapQuest regarding the CCA Request issued in January, they have provided a signed copy of the CCA together with a statement of account from prior to taking over, which causes some questions, primarily the balance has not reduced from the time I went on to the DMP. They have also failed to send any further documentation (such as a deed of assignment) which I requesting in my letter. Please would someone advise what my next steps should be? I am able to post a copy of the CCA & statement on here if that will help?
  12. I recently ordered a bag from the store online and posted it back to them. I had ordered something similar a while ago from the same store online. Both items black backpacks and the same rubbish to be honest, but I think I may have sent the wrong one back. They have received my return from what my tracking number tells me, but they've not processed it yet. I was wondering what could happen or if they'll get me in trouble for this.
  13. Got a bit of an annoying issue with Royal Mail. Will try and keep this as brief as possible. I sent a parcel to friends in Germany containing some baby clothing for which I paid just over four pound to go as a small parcel (airmail). The parcel never arrived and six weeks after sending it out it came back to me, in a clear plastic bag from Royal Mail, my parcel was more or less obliterated, the shipping bag I used was totally shredded with the contents falling out. The address was no longer visible as that part of the mailing bag was totally ripped away. Only my return address was sti
  14. Hello all, We have submitted a defence and then received the DQ. This was returned to us as invalid due to my partner filling it in and asking me to deal with it on her behalf. We have resubmitted another one and they have rejected this as the surname is different to the claimant. We are married now so my wife is using her current name, they wont accept it as the claim in in her maiden name. Can they do this? I feel like they are doing it on purpose because now we are over the 14 day limit to have the DQ filed.
  15. Hello everyone, Credit Card-HSBC Bank, currently with Cabot/ Marlin Account Start Date: 01/2007 Opening balance:£2700 Default balance: £2700 Date of default: 06/2010 I think this probably was an online application.. After defaulted in 2010 Metropolitan Collection Service Limited contacted me and demanded high monthly payments while I was in the hospital- everyday calls etc. .. In the end reduced payments were agreed. I was paying them reduced payments (£10 or £20 I don’t remember exactly) on monthly basis until 2013. They agreed in writing in 2013 a monthly £1
  16. Since the introduction of the Taking Control of Goods Regulations 2013, it has been very interesting to observe the number of forum posts (here and on all other websites) where debtors (and indeed regular forum posters) consider that in cases where a debtor is identified as being ''vulnerable', that the local authority (or creditor) should be obliged to recall the account from an enforcement agent.....and remove all bailiff fees. In the majority of cases, the fees under discussion will be £310, consisting of a Compliance Fee of £75 (applied when sending the Notice of Enforcement) and an
  17. Hello. I have a Santander 123 account and have been paid interest, less tax, on it over the last tax year. I was surprised last week when all the tax I'd paid on the interest was returned to my account. Has anybody else on the forum received the tax back and does anybody here know why? Thanks
  18. Not sure if I have posted this in the right place? Apologies if not! I'm currently working through my credit file and found a default from 2012 for £200 from when I was a representative briefly. I have contacted AVON and said: In April 2012 I was briefly signed up as an Avon representative at my previous address XXXX. I placed a couple of orders but then my personal circumstance changed and I was not able to continue, and I moved house shortly afterwards. I had some outstanding products to return from a couple of customers who didn’t pay for their orders
  19. Hi All I heard that Cheque Centre had gone out of business? I had a payday loan with them a few years ago (xmas 2013) for about £300 that then became over £500 with their added interest. They took £200 from my account before I contacted my bank to prevent them from being able to take anymore money. I then stopped hearing from them for a few years, however they started contacting me a few months ago demanding the outstanding balance. My experian credit report is showing the debt as settled and not defaulted - I did say this to them when they called but apparent
  20. My Wife has a very old debt through Barclays that was sold to P&J years ago. Just recently they have started a lot of stick waving, getting their in house solicitors Foulds to threaten her with a CCJ if she didn't pay the outstanding amount with seven days. we sent them a CCA request. Today they have returned the Postal Order saying that they do not have a copy of the CCA at their office and it may take some time to retrieve the original documentation from Barclays. I know Barclays have an uncanny knack of obtaining old micro film ( the last one we got vi
  21. My niece is being hounded by Vodafone for a mobile phone she ordered on contract. She changed her mind and returned it immediately without using it. She has been in touch with them countless times stating it has been returned and they have even stated to her, during one conversation over the phone, that it was received in the warehouse yet they still say she has it. She has now received a letter from a DCA stating she owes £1000 for the phone and cancelled contract. Any ideas on how she can get this sorted out as she us now beside herself? Thanks in anticipation!
  22. This is a continuation to the thread that was previously closed entitled Letting Agent not pretected tenants deposits (M&W). We were wondering if there are people out there who are still owed money by Lucy Sly and Jon Clements? We are a landlord and at this time, they are not returning the entire deposit to our tenant and several months rent has not being passed to us therefore they owe us over £7000. We have spoken to the police, action fraud and have advised lawyers. Are there landlords in similar situations? We are going to visit Jon's Office in St. Leonards next week. Has
  23. Hi all, hoping someone can advise on this please! I have been ordering clothes from an online retailer for around five years now with no problems. On my last order I returned some of the items, only to then receive an email from them saying that one of the items was damaged so they won't be refunding me for that item. I immediately told them that the items were fine when they left me, so they must have been damaged in transit, but despite numerous emails they are refusing to accept that they could be responsible and simply repeat that the item was damaged when returned to them, so it i
  24. Hi. Im a newbie here. Im hoping someone can help, Ive got into a bit of a mess over a van hire. I hired a van through Northgate van hire about 6 weeks ago, I scraped a post that left 2 marks on the van, I pointed this out when it was returned, they advised that my deposit would not be returned for the moment. Ive been chasing them for ages about a receipt for the deposit, Ive had responses but they all basically say its in hand. Ive finally received a email from them saying they are keeping my deposit of £250.00 and they want another £750.00 of me. I didn't take out CDW dam
  25. Hi guys well heres my horror story. Girlfriend wanted to go away really bad so we went to Thomsons. In store my girlfriend got talked into buying a holiday to Tenerife and it sounded good so we booked it. When we returned home the hotel had bad reviews and people had said it was based on a huge hill that was unbearable to walk, especially if you had kids and we did have a 2 year old son. So I asked the travel agent if the hotel was far from the town centre and she said its not according to Thomsons website. I have the call recorder app so I guessed that as the call was recorde
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