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Found 65 results

  1. Ok heres the deal. I signed up for a 3 month virgin active membership back around july, after one months use I wanted to cancel, they wouldnt agree and the idiot manager would not even agree to simply talk with me. I didn't use the gym in the last two months but they don't care and the contract doesn't of course. Arc debt collection has been dealing with me, I owed around £170 or something in total ive already paid £90 worth, maybe that was the wrong decision but I do not want to pay them the remainder. I've set loads of dates to pay and many I have not paid and we just rearrange one guy called saying the solicitors will get involved and court action if I do not pay, I do not want to pay them and i did not pay a payment recently. No doubt they will call me saying solicitor or court action will be taken. What should I do??? I know I should have came to this forum earlier. I do not want to pay these morons or go to court and be forced to pay this little amount and travel there since its out of london etc. ????
  2. Hello, I have written before on this forum concerning my mental illness and the debt, successfully writing off debt from MBNA. I had a mental breakdown in 2005 and a relapse in 2015 when I fell again into a deep depression. For people who do not suffer with mental health issues, it is hard to explain how things effect you. It’s not I am another person but, I can appear changed and not myself. When I am suffering these episodes my moral compass, well it isn’t there I basically am an ar*e I care not a jot and do things I know can be destructive. I have had great help from social services to help me cope and as I said in a previous post, https://www.consumeractiongroup.co.uk/forum/showthread.php?489343-tesco-credit-card-amp-freds&p=5142374#post5142374 I do have outstanding debts with Tesco Credit card £7700 owing, still haven’t heard anything from Frederickson or Tesco for an age. PayPal credit card £2200 sent me an email, I have attached that email. This is the first I have heard from them. I noticed I still had a direct debit set up for Tesco I have no idea what it was for so the bank recommended to cancel it, so I did. It was over a month when I got a phone call from Tesco, saying I was default on my loan, what loan, I had no idea. The person asked me several security questions that I couldn’t answer all of them, then they finished the call stating they wanted there payment. I have searched high and low to find out what the loan was but I have no paperwork at all. I vaguely remember clicking on a link on an online statement from Tesco about something. Now I still get monthly statement emails from Tesco but cannot access the account on line. Looking at my credit report I can see a loan over 5 years that I had paid for 3 years and a part account number. I have written to Tesco with the part account number as well as my old credit card number explaining my situation. Since the letter I have had 3 calls a day all blocked, I told them in my letter do not call as I can be very offensive so I don’t answer to any one I don’t know, the phone is there for me to get in touch with my doctors. I have no paperwork for Tesco, I have asked for my information by post and still nothing, when can I say this is getting to be harassment? Your help as always is appreciated edit paypal 1.pdf
  3. Hello all. First of all thank you very much for supporting this website. It has given me some hope in what to me appears to be a very dishonest situation. Summary PCN received after stopping for 12 mins at the entrance to a P&D car park in which ALL 4 Spaces were blocked by a wooden pallet each with a notice saying the road was too narrow for parking and emergency access. Details Broadwater Street West in Worthing, West Sussex is a short, narrow L-shaped side street running along the side of Starbucks and to the left behind it and other buildings, giving access to lock-up garages and waste bins. It has 4 parking spaces nose to tail running from the entrance of the road. My passenger had a painful case of cystitis and needed to use the loo. Thankfully we saw a Starbucks and from the main road it looked like there were parking spaces free in the side street next to it. After turning into the street and letting my passenger out, I saw that each of the parking bays had a wooden pallet in them preventing their use. In addition there was a sheet of paper on the wall to the side of each space saying that access was required at all times in case of emergency, bin collection and deliveries and that the road is too narrow for parking cars and through traffic. This is certainly the case. Having entered this narrow street the only way out was too drive to the end of the L where there is just enough space to turn around and then drive back to the entrance. Unable to park I waited just short of the main road for my passenger to return. Although I had fully intended to pay, with it not being physically possible to park let alone legal, the whole place gave the appearance that parking was at least suspended if not cancelled. Hence it never crossed my mind that I would be penalised for stopping there. There is of course no one supervising to tell you. My passenger could have just run in to Starbucks, used the toilet and run out but being polite she chose to buy some tea. We had just left the vet after having spent an hour talking to one of their very kind nurses about the loss of our dog which has been heartbreaking. It was a very emotional time and with the cystitis as well I couldn't drive off and leave them; stopped by the entrance I could at least clear the road if for example an emergency vehicle required access. They returned after approx 10 mins and we left. What Happened PCN received for "Failing to Park Within a Marked Bay". Given the situation described above where I was physically unable to park in a marked bay, let alone do so without blocking emergency access I thought it was a [problem] and a quite ludicrous one at that. And for this reason I have not contacted One Parking Solutions. I have since received a letter from ZZPS Limited saying my unpaid PCN has been passed to them to resolve. The balance owed has now increased to £170. They have quoted Parking Eye v Beavis as a recent Supreme Court Ruling. I have spoken to them and they said I was parked for 12 mins. If I do nothing the matter will be passed to their solicitors.
  4. Hi, Hoist or Robinson Way recently bought an old debt I owned to Halifax and have been paying £10 a month. The letter from Halifax said any money I sent to the credit card account would be forwarded on to Robbers. Today Robbers say they didn't receive my £10, even though it is shown in my account that my standing order to the Halifax went through. I've sent Robbers £10 and set up a new standing order once a month, but now I'm £10 down. Is this a con?
  5. Please help, I am at my wit's end. I contact Jacobs on behalf of my mother, who is disabled and mentally ill. I also cannot say all of the details because she isn't entirely open with me, somehow she has incurred Council Tax debts, we have been making payments to the enforcement company Jacobs since April 2017. These payments started after my mother had ignored the debt for so long, that bailiffs visited our address. I had to pay them a sum of money (somewhere in the region of £300, which I had to go into my overdraft for and am still facing the repercussions for to this day) to get them to leave our property. They did not take any items, and they did not make an inventory of items. I have been making payments each month of £20 since the end of July on my mother's behalf. Before that, we were paying more than we could afford - after sending off evidence of my mother's disabilities and low income, they agreed to let us pay £20 per month. Unfortunately, in December, we were unable to make the payment, I paid double on the 15th of January 2018 (£40) thinking this would be okay. The next thing I know, I have several missed calls from a mobile phone number and a voice mail ordering me to contact Jacobs before they send bailiffs to our address. The woman on the phone was awful - she goaded me to a point where I lost my temper, and insulted her. She was threatening to send bailiffs who would enter the property with or without my consent, threatening to send my mother to prison, and would not take 'we can't afford this' for an answer. On the 18th January, we had to pay £159.25 (which left us in an awful financial situation) to stop bailiffs coming to the address (as we had children on the property and I would rather starve for a few weeks than have them deal with that). From that point I set-up another arrangement so that we would begin paying £20 per month again, starting February 10th 2018, to be paid the 10th of every month thereafter. I made the payment on the 10th, and have a reference number for it. Today, we received letters dated February 9th claiming the agreement has been broken. I called Jacobs and the agent on the phone said I would have to contact collections, as according to their records, I should have paid the £20 on February 1st. He claimed that this is because there were 31 days since our last payment, which is absolutely not true. Between January 15th and February 10th, there are only 26 days. The phone number he gave me was for the same woman I had to speak to last time - I called her, and she was as belligerent and unhelpful as the time before. She said texts had been sent (not received) reminding us to pay, and said she would need to listen to our last call to ensure I hadn't agreed the 1st before she could do anything else. Surprise, surprise, there was no record of that call, and they're taking their own word over mine (despite the fact that I would not arrange to make payment on a day that we have no money in an account to pay with). We cannot afford to pay the charge they are asking for (in the region of £600) and we cannot have bailiffs visiting the property, as we have two young children (both under 6-years-old) in our care due to it being the school holidays. No matter how many times I ask to speak to a manager or someone other than her, this woman will not take the case further. So we're to expect to have people turn up at the property tomorrow to remove goods. Please, any advice you have would be much appreciated. I don't know how much more of this I can take.
  6. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  7. Well another thread.Looking around saw a few articles on this idea and thought i would pop the idea on the forum. On this fine,sunny,crispy Monday morning in Spring to start the week off. Seems to be gathering momentum worldwide.Or the idea of. A bit rushed,maybe not that clear but a start that is all,i will find more articles as time goes on. But have a look around and have your say on what you think. Some say if companies were to invest massively in new machinery,many of our jobs could vanish. Saying the price of employing cheap labour is far cheaper than the modernising of companies,factories and the rest. But this will surely happen as time marches on. Robots are poised to eliminate millions of jobs over the coming decades. We have to address the coming epidemic of "technological unemployment" if we're to avoid crippling levels of poverty and societal collapse. Here's how a guaranteed basic income will help — and why it's absolutely inevitable. Whether working or not you would receive a basic income. Now how much the benefit system costs in this country i do not know,but obviously most of this would vanish i would think. How Universal Basic Income Will Save Us From the Robot Uprising. http://io9.gizmodo.com/how-universal-basic-income-will-save-us-from-the-robot-1653303459 So as i look around this idea seems to be interesting many countries. Paying all UK citizens £155 a week may be an idea whose time has come Introducing a basic income guarantee would be costly, but it could be the answer to a lot of different problems http://www.telegraph.co.uk/finance/economics/12037623/Paying-all-UK-citizens-155-a-week-may-be-an-idea-whose-time-has-come.html Canada plans to experiment with giving people unconditional free money http://uk.businessinsider.com/ontario-announces-basic-income-plan-2016-3 Finland Finland is considering a radical plan to give everybody free money http://www.techinsider.io/finlands-plan-to-give-everyone-free-money-2015-11 Switzerland Will Hold The World's First Universal Basic Income Referendum What if everyone got a guaranteed $2,500 check every month? How would society change? http://www.fastcoexist.com/3056339/switzerland-will-hold-the-worlds-first-universal-basic-income-referendum Have your say,i am sure many will, i hope.Anyone there,of course there is. Come on in and have your say.
  8. I have just found out the level of my 69 year old mother's provident loan repayments. At the moment, she would appear to have 4 active loans and a weekly repayment of £110 per week whilst living on a pension. Surely there has to be some sort of irresponsible lending going on here? Most weeks, her fridge is almost running on empty and I'm lending money from time to time to help her pay things like rent, electricity and even to make sure that there is food in the fridge! I knew she had a loan, but I am shocked at the level of it. She cannot afford £400 a month, on a pension either! Is there any steps I can take to get this into a manageable payments?
  9. Hi all, I hope your well. Just a quick question please. I am a tenant in North London and the Landlord stopped using the estate agent in 2015, two years after we moved in. I now require a copy of the original tenancy agreement but the estste agent say as they are no longer managing the property, the records are no longer in the office and I would need approach the LL. The LL also says no. I thought the estate agents are required by law to store securly personal information belonging to a customer for a certain period of time, or is that not the case? Any help will most appreciated , Thank you
  10. Hi all HSBC Mortgage Repayment Protector I recently submitted a PPI claim via Resolver to HSBC. I received a letter within the 8 week time frame to say that their 'completed searches found NO EVIDENCE to confirm Payment Protection Insurance was attached to any products held with HSBC'. I was surprised at this as I had given them as much detail as possible without being able to give them a policy number. Not satisfied, I called HSBC direct and started a new process giving them the same detail as I had listed in the Resolver claim. Within 3 weeks I received a letter saying I had taken out Mortgage Payment Protector and they supplied the policy number and the start date (30th May 2003). I now have the information I need to pursue a claim based on the fact at the time I took out the Mortgage Payment Protector I was self employed. I do not have a copy of the policy but understand certain policies were not suitable for the self employed - please can anyone confirm this and should I claim anyway? As a side note, the two letters I received from HSBC both have the same HSBC reference number. I wonder how many people they just fob off with a letter in this way.... Thanks in advance for any advice given. D
  11. I have a few debts left over from a marriage all of which I pay a certain amount a month to. About 3 months ago I started getting letters off LINK saying I'd stopped my agreement with them and why wasn't I paying them? It took me a while and several ignored letters and emails to work out it was from a Barclaycard debt (they must have bought it) and I had actually never stopped paying the agreed amount. However I stopped my standing order and set up a new one - Informing Link by email and letter that I was doing so . With LINK as the company and not Barclaycard. The link letters keep coming, I have double checked and I definitely AM paying them the right amount, all the codes and account numbers are right.. . yet the letters demanding money each one is worded differently, keep coming. I've had one today saying if I don't phone them to explain why I'm ignoring them and NOT paying them in 7 days they are taking me to court. They have completely ignored every email and letter I've sent to them. The only thing I haven't done is phone them. I don't want to phone them, as in my experience its always a very unpleasant experience. What should I do? I've never experienced anything like this before - that I'm paying yet they're harassing the hell out of me. While completely ignoring any letters of emails I've sent them. Any advice? (the Debt is £486) thank you!
  12. Please help! I have no idea where else to turn. On 29th February 2016 I bought a Toyota Verso Excel D4D from Motorline Toyota. Since taking ownership of the car on the 10th March 2016 I have had a problem with a recurrent smell inside the car. Initially I believed this to be as a result of me following other vehicles that were emitting an acrid smell. It happened regularly enough that it became a talking point in the car with my two older children who were then aged three and four. The smell often occurred on the school run which is approximately 4 miles from home. Initially I noticed the smell occurred approximately once a month then on the 5th August 2016 whilst filling up my car with diesel at a petrol station, smoke appeared inside the car via the vent in the centre console. At the time my two sons and my baby daughter aged four months were inside the vehicle. Having paid for my diesel and returned to my car my eldest children asked me why smoke was coming inside the car. I immediately telephoned Motorline and told them about the problem and received a curt response which was that I had AA cover and I should call them. I was informed that they would decide if the car needed to be returned to them. I contacted the AA who came and inspected the car and diagnosed that the oil filler cap could not be tightened sufficiently enough without it popping off. He advised me to contact Motorline and inform them. This I did and I was again surprised by their initial response. I was informed that they were unable to supply me with a new oil filler cap as they were having a problem with their suppliers. I replied that that was unacceptable as I could not be in a situation whereby my three children were in a car with smoke entering the inside. I was then advised that if I were to bring the car into the garage they would attempt to locate an oil filler cap that would fit from another car. This I did, a forty mile round trip. However they did manage to source an oil cap that fitted. I decided that the smell that I had noticed in the car must have been the result of the faulty oil cap and felt assured that now that the problem had been identified and rectified it would no longer be a problem. However it did reoccur and I called the AA again on the 2nd September. They reported that they could find no reason for the smell and reassured me that everything appeared to be fine. The smell continued to occur approximately every three weeks and after yet another occurrence I called the AA out again on the 23rd December. Once again no obvious fault was identified and I was advised to contact Motorline Ashford. In November I had received notification from Toyota that there was a safety recall on my car relating to the Throttle Body. I decided that I would contact Motorline in the New Year to arrange for the recall repairs to be carried out and to discuss the issues regarding the smell. In the meantime, on an occasion when the smell occurred, I drove straight to a local garage to ask their opinion. They advised me that in there opinion the smell was not right and they advised me to contact Motorline . I took the car to Motorline for the initial inspection on the 18th January 2017. I was advised that they would look into the car but they mentioned it may be due to the DPF. I had now noticed that the smell was occurring approximately every two weeks. When I returned to collect my car I was advised that they had been unable to replicate the smell and so there was nothing that they could do. I explained that that was not acceptable and became emotional. I asked for advice as to what they thought I should do as when I stopped the car the smell would go. As far as I could see the only way I could get them to smell the smell would be to drive the 30 minutes from home to Ashford with at least two of my three children, if not all of them, being subjected to the awful fumes which I was concerned were harmful. I asked what they would advise I do in the event of the smell occurring again given that I did not feel it was appropriate to subject my children to the fumes in order to drive the car to Ashford. I asked if there was a garage local to me that they would not be happy for me to go to for them to give an initial assessment. She just repeated that the problem would have to be replicated whilst with them. Following this event I decided to call Toyota Customer Relations. I rang them and relayed the problems I was having. I was informed that a case manager would be in contact with me within a few days. I never did receive a call from a case manager. I did however receive a call from the After Sales Manager. He agreed that they would use the car in a manner similar to myself in the hope that the smell would be generated. I agreed with this plan. My car was collected on the 3rd February by Mark. The After Sales Manager rang me later that day and asked me if I knew how many miles I had done since I last noticed the smell as he was able to tell when the car had last gone through a cycle and how many miles I had driven since. He believed the smell was to do with the regeneration system. Given when the smell had last occurred and how many miles I had done since I concurred with this. My car was returned to me on the 6th February. He told me that the smell was due to the regeneration system but assured me that the fumes were not coming into the car. I asked how I was smelling them if they were not entering the car. He said that the system was close to where I sit in the car and that was why I may be able to smell it. He explained that the regeneration system was designed to flood the engine with additional fuel and burn it off at a high temperature before dumping the fumes out of the car via the exhaust. He also explained that if the car had not completed a cycle it would emit a smell once stopped. He said that a regeneration cycle should occur on longer journeys and he felt that the problem may be because I was doing shorter journeys as I had been on maternity leave and doing more local journeys. He felt that this may also be the reason why I was smelling it more often. I explained that that did not make sense as I had recently driven a 30 minute drive and that the smell had occurred when I parked up at my destination. It was explained to me that as well as a longer journey other things had to be happening in the engine such as it getting to a particular temperature etc. to ensure a successful regeneration. I asked that if I needed to do longer journeys for the regeneration system to work properly then I should have been informed of this when I bought the car as, knowing I was due to start Maternity Leave, I knew that I would not be doing long journeys. I suggested that the car may therefore have been mis-sold to me. He advised me that the regenerations system had now been reset to the factory settings (I believe he said that this was every 2000 litres of fuel). I asked what advice Toyota gave to their customers about the regeneration system and was informed me that none was available. He also told me that he had found out what he had by looking on google and reading chat forums. He asked me why I had chosen a diesel and I explained that it was what I was used to driving and that it was what I was advised to purchase when I was buying the car. He suggested that he could speak to Matt Brown about me changing my car and suggested either a petrol Verso or a Prius Plus. I said I would consider this. We met with the manager on the 11th March. He agreed to see what he could do. He listened to my concerns and appeared to understand my distress. I explained that I knew that I would lose the £3204 I had paid in repayments but that I did not expect to be out of pocket as I believed the car was faulty. He agreed that finance would be 'sorted'. Matt agreed to look for a suitable car. I was happy to consider an older Prius Plus as well as a petrol Verso. I received a telephone call from the dealership on the 20th March. I was given details of a Prius Plus. I was getting ready to leave the house and took quick details about the car including the repayment details. A day or so later I rang and spoke to Toyota and asked if I could have a more detailed breakdown of the finance for the car. I explained that whilst I accepted that I would lose the £3200 that I had spent paying for the car over the past year, I was not prepared to lose the £2200 part exchange value of my previous car as I was returning the car because I believed it to be faulty NOT because I had changed my mind. I was told that there was no way that I would get the £2200 back. I said that I believed that I had a case to take to Toyota Finance to say that I was in dispute over the car as I believed that the car was faulty. I believe the car to be faulty and that it was mis-sold to me. I want to return my car and have the finance cleared and I wish to be reimbursed the £2200 I put down as a deposit (part exchange value of my Toyota Yaris) I have written to Toyota Finance and have not yet had a response but I do not hold out much hope as I did write to the CEO and have had a response saying that 'the issues I have are a consequence of driving styles and usage.' they go on to say regarding my claim that the car was mis-sold that 'we have not been privy to those sales discussions and are unable to pass comment'. The car was bought on finance. The initial cost was £17495 and I had £2200 deducted from that for the part exchange of my old car. The car continues to smell inside the cabin on a regular basis and happened last week with all my three children in the car. It is a revolting, acrid smell that makes me feel sick. I am greatly concerned for my children's health being exposed to this smell. Thank you to anyone that takes the time to read this.
  13. Good evening, I have a problem with a Hermes collection which is making me very worried and upset. I arranged for a parcel to be collected, the courier finally turned up and my husband saw the courier collect the parcel but on checking in the safe place there was no card. My parcel hasn't been received by SimplyBe so they made enquires with Hermes who deny there was a driver in the area on the day my parcel was collected. They have advised that I am liable for the value of the goods. What do I do? Is my issue against the courier or SimplyBe? I have read how awful Hermes are with numerous posts of missing parcels, fraudulently signed deliveries. Any helped would be appreciated. Thank you
  14. I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?
  15. I will keep this brief... New Peugeot C3 about 10 months old, rear bumper came loose and flew off of motorway, Morethan say I cant claim as there was no third party involved in the incident. Peugeot refuse to repair under warranty. Any thoughts highly appreciated. Thanks Scott
  16. Hi, on the 13th August I was referred to Ingeus by my JSA Advisor and told to expect a call off them. On the 15th August I had a severe epileptic seizure caused by stress and was given a sicknote for 12 weeks by my doctor. He thinks, due to me being severely depressed and prone to more seizures, that I should be on ESA. I closed my claim for JSA on the 17th and opened my claim for ESA on the same day. Later that day I had a letter from Ingeus telling me to attend on the 27th. There were no mentions of sanctions or anything like that, but it caused me to become very agitated. I called the number on the letter (their general enquiry number I think) and the man, without asking for any details, told me I still had to attend. Is this correct? My JSA claim is now closed and my ESA claim is being processed. I've never met nor spoken to Ingeus before, so do I still need to go? I'm very ill at the moment and this might make me worse I fear. Obviously in 13 weeks if they put me in WRAG, that's a different situation but right now I am very ill. Any info on this would be very very appreciated!
  17. Hi guys, hope everyone is well. Been on this site a few times and think it is a superb tool and helps us against the bully boy company's out there who try and feed on hardship and vulnerability. Hopefully I can add some advice or help in the future. I have a question of my own if anyone can help. Today I had a doorstep visit from a company called Fidelite. They asked who I was so I asked who he was and his face was a picture. I never gave him my name and told him politely to jog on. He is chasing a loan debt that I took out in 2004 and haven't paid or acknowledged the debt since at least 2006. I am sure the debt is now stat barred. Question is did I do the right thing. Regards and thanks in advance. Staffy.
  18. As in the title but here goes. Saturday I drove my car 200 miles down to Gloucester to do a deal with a chap that had a van that I wanted for work. In the eyes of we buy any car his van is worth £685 more than my car but we came to a deal that I would give him £1500 plus my car with 55,000 miles on the clock. Since owning that car I spent a small fortune having the clutch and dual mass flywheel done and full service and then also before we did the deal I had all the starter motor changed for a brand new unit, paintwork imperfections sorted as I told him I would and all the wheels refurbished. I went above and beyond to make sure the car was right as I am honest and also didn't want the deal to go pear shaped after travelling all that way. The guy also drove up around 150 miles from his address so we could meet half way so to speak and save one of us travelling too far. We both did checks and I did HPI checks for both vehicles etc.. we both had test drives checked all relevant documents and decided to do the deal. We both drove home and obviously both satisfied. Then today around 36 hours later he calls me to tell me the turbo had blown and oil was all over and he wants me to pay for it. I feel awful but at the same time I can't help but think I have already spent a lot of money on it and we have already done the swap and agreed to the deal. What if the van brakes down or anything happens today,tomorrow or next week I have taken that chance jut as he did. Where do I stand legally with this one? It was a private sale/swap and neither of us are traders or dealers. Many thanks in advance to anyone who can shed some light on this problem as I am losing sleep over it.
  19. Blemain say I owe them £2946. I have had the loan secured against my house since 2007. They keep sending me letters requesting payment. I'm unable to pay the full amount so I'm wondering if there is anything I can do to setup a payment plan or to even get some of the charges removed They used to charge you when there was no money in the bank. My money used to go in Friday afternoon, and they always tried to take it in the morning. They also used to take it out before bank holiday etc they charged me for that, and they also charged me for every letter they have sent. Any idea what the next step is? Been paying them £ 10 a month for a while, and I'm on a minimum wage.
  20. hi cag, just signed up, looking for advice and offering it aswell.
  21. I received a letter recently from the DVLA i took my vehicle off the road a couple of months ago and therefore cancelled my direct debit but forgot to declare sorn until the start of this month. ive just seen a letter from the DVLA saying im required to pay the existing £181 of direct debit within seven days!!!! ive only just seen it and that was sent two weeks ago. Surely they cant expect me to pay £181 just like that?
  22. So as the title say can they refuse permission? Do I need their permission? It's regarding a loan I took out in 2011. At the time I had already been using payday loans since Oct 2011 several times a month with several different companies, rollovers, same day borrowing, several on the go from different companies and at the time I took out the loan I already had loans outstanding with 6 other payday loan companies and it far outstripped my income leading to a default on the all in April 2011. I contact CFO 2 weeks before repayment and they refused a repayment plan telling me that they didn't "do" repayment plans and I had to pay the full balance or default and refused to provide me with paying in details. I got details from here and started paying back small amounts but like others on here they hounded me with emails, texts and phone calls to the point I was scared to check my emails or turn on my phone. They sent Daniel Silverman after me and offered their Resolve Loan which I obviously didn't take although I do believe if I had that would have compounded the problem. The loan which started at £250 has ballooned despite payments of £93 initially, my payments then started being rejected by CFO and returned to my bank. I certainly think its irresponsible lending on their part and put in my complaint. I've had their final response back saying that as a goodwill gesture they will reduce my balance to just over £400 and that my complaint is out of time for the FOS and they don't give me permission to take my complaint to the FOS. I've obviously rejected their offer, I believe at the least the should reduce it to the original loan of £250 minus what i've paid plus compensation for the unsympathetic and frankly appalling way they treated me when I told them I was in financial difficulties also they should remove the default. In an ideal world i'd say wipe the balance but I don't see them or FOS agreeing to that so I need to be fair. I've kept a good paper trail of all emails from them except the Resolve texts and emails as I've got a new phone since then and must have deleted the resolve email Is this the end of the line for my complaint or can I go to FOS?
  23. Hi Guys Long winded but will cut it down best I can, will start with the numbers loan 1 July 98 for £3000 PPI single policy of £443 added to loan (paid 46/60 payments) £144 of ppi refinanced by loan 3 loan 2 Dec 98 for £1400 PPI single policy of £198 added to loan (paid 39/48 payments) £50 of ppi refinanced by loan 3 loan 3 April 02 for £5000 PPI single policy of £1174 added to loan (paid 13/60 payments) £980 of ppi refinanced by loan 4 loan 4 may 03 for £7500 PPI single policy of £1762 added to loan (paid 11/60 payments) £1500 of ppi refinanced by loan 5 loan 5 may 03 for £11000 PPI single policy of £2383 added to loan (paid 12/60 payments) £2032 of ppi refinanced by loan 6 loan 6 may 08 for £10000 PPI NO PPI added to loan still paying Now we had a decision letter from Lloyd's stating they upheld all of the complaints offering refund of the ppi part of the loan that was paid in installments plus interest, which worked out about £7,700 according to their workings out, I had it in my head from working it out that it should have been nearer 10k but at first glance of their workings it looked OK but I still couldn't get it out of my head that something was wrong. It then clicked that they had calculated all their figures ONLY on the installments made and had completely ignored the bits that were left on refinancing which by itself without adding interest is about £4700, this amount is still being paid off on loan 6. I phoned them as the offer letter tells me to do and explained why I felt it was wrong, the guy said that I am not entitled to that bit back as the loan was refinanced, I argued and tried to speak to a manager but was brickwalled, he insisted I was wrong and that the payment of £7700 was going to be sent, I told him at this point that I DO NOT ACCEPT the offer, and under no circumstances are they to consider the matter closed, I even got him to repeat it back to me several time, as they supposedly record the calls. what I would like to know is am I wrong, am I not able to reclaim the bits that were refinanced by the new loans, or are Lloyd's trying it on Many Thanks
  24. Have read a few threads on this company as I have now had the misfortune of having to deal with them! I have (or had) a secured loan with Black Horse Finance, they have now sold it on to Idem Servicing so it looks like after reading about them I will start getting hassles I guess The first dealings with them are a negative (tell solicitor one thing then tell me something different). Fingers crossed they don't get too annoying!
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