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  1. Hi all, I recently CCAed all my creditors in order to try and sort out my finances finally. I have been paying £1 token payments to each, having defaulted on all over 6 years ago. I have moved house a few times since and have lost track of what has happened to them all. having sent a CCA request to Robinson Way, who I originally dealt with for a Halifax debt, I received a strange reply, returning my £1 PO, and saying that "the account is closed on our files, please contact our principal". This was written on a very unprofessional piece of paper that looked more
  2. Over the last 4years I have been receiving letters from N Power at my address, but for the previous occupants. As I used to be an Npower customer I have opened a couple of these thinking they were my bills etc. and have found that the previous owner of my house is getting gas and electricity supplied to another address,but having all correspondence sent to my address still. I have tried contacting Npower dozens of times to stop this and every time they have said it will stop,but it never has. About 18 months ago they offered me £20 credit as compensation/goodwill gesture onto my account
  3. I wondered how secure your information is when sending bank statements to DWP through their Wolverhampton post Handling site?
  4. Hi, I am in the process of getting payment from my ex boss through the small claims court. I have received judgement from the courts and would like to make a warrant of execution. However, the only addresses I have for him are his parents house (where he used to live) and the apartment block he now lives in. But unfortunately I don't have his flat number. Would I be able to just give the apartment block and hope that the bailiffs would be able to get his flat number from the people on reception at the building or not? Thanks!
  5. 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) ?
  6. Good afternoon all, I was employed as a contractor with a small company. They advanced me my fee in advance of work carried out and then cancelled the contract and asked me to pay back the advance. I had already used the money for urgent matters but undertook to repay them asap. They gave me a piece of paper with a date to pay back by which I agreed to as at the time I felt this would be enough time. Unfortunately things did not improve for me and despite my communicated intention to pay the debt back they have not accepted my situation and are going to take action
  7. I would be grateful for some advice from you guys regarding an on-going matter I have with a company called Park Watch. I was using the car park at the One Stop Shopping Centre in Perry Barr Birmingham and dropped someone off in an area which the company claimed was for busses only. They then wrote to me and issued me with a Parking Charge. I was going to pay it until I decided to Google the company and found that someone else (markavfc) had had the same experience and with your guys help had had the fine rescinded. Following his lead, I wrote to Park Watch saying that I w
  8. Hello all Wondering what advice you would give for this particular scenario Have received a letter in the post this morning from a company by the name of Marston, It says I have not paid a fine of £660 It says a court order has been made that gives enforcement agents the power to visit me, my address has been identified and traced, as I have not responded to letters delivered to this or a previous address an enforcement officer will be asked to visit within 14 days unless you make payment or discuss your specific circumstances.. I know nothing of this fine or wh
  9. Hello all, Cabot are writing to my old address, from which I get some mail forwarded, but certainly not all. The latest letter is a statement regarding a debt which is definitely SB, nothing paid on it since 2009. The amount was about 1.2k; Cabot have now added a transaction with something like "LGL ADJUST BAL" on it with a "credit" about £570. They have written YOU NEED NOT TAKE ANY ACTION on it. Is this an attempt to make it look as though there's been activity on the account? I don't know whether to send an SB letter, probably best to ignore? I'd rather they d
  10. Hi, I have emigrated from the UK, but Lowell keep sending letters to my old address. They are being marked with 'No Longer at This Address - Return to Sender' but, after being returned, they send out a new one to the same address. How do I make these guys stop? For what it is worth, I do not even owe the debt. Prior to moving, I cancelled my contract with Plusnet. I paid off the last remaining month, then cancelled the direct debit just in case they forgot to close things off on their end. That is exactly what ended up happening as, a month later, they sent me an e-mail ask
  11. Hello Can anyone please advise me on the following? I have a laptop and my warranty is up in June 2017. I have hardware issue and two of the keys have worked loose and come away and i cannot put them back into place. Do i send it back to the company i bought it from or do i send it back to the makers of the laptop? Thanks
  12. Early last year my husband received a county court summons for £11,500 for a credit card debt sold on to a DCA. He replied and defended the action on the basis of the limited information on the summons and that he was awaiting a reply to the CCA letter sent to them on the day the summons was received. He never received a copy of the CCA, just a letter from them saying the debt was no longer enforceable and they could not proceed any further through the courts, but would he please call them to discuss a repayment plan. They also promised to forward the copy of the CCA.
  13. Hello, I am just wondering, I have nearly paid off Restons £1200, And my wife has various ( apex, moorcroft etc ) where she is paying £1 a month If we send a CCA to all of those, and they cannot confirm, how does we write off or stop paying, in my case, how would i get the money back ? Regards Q.
  14. The following statement was released a few days ago by the Government. This is in response to a Daily Mail campaign earlier this year regarding individuals who have found themselves unable to get a mortgage or credit because of the existence of a judgment against them that they were unaware of (usually because all correspondence had been sent to a previous address). Depending on the outcome, this consultation could have far reaching consequences for bailiff enforcement. Currently, in relation to council tax arrears, a local authority are permitted to issue a summons to the '
  15. A major crackdown on the abuse of county court judgments is announced today following a Daily Mail investigation. Ministers are pledging to block banks, debt firms and parking companies from sending court claims to old addresses. The move would halt the scandal that leaves thousands of families financially crippled because of debt judgements passed against them without them knowing, or having a chance to defend themselves. The pledge is made today by the Ministry of Justice as it launches a public consultation on the judgments, known as CCJs. It follows an investigation
  16. Hi all, I was recently reading through some SAR info. that I requested from my former bank in 2009 and I found a note they had made on my account stating "current owner of property bough in post for Maybelate and advised that she had moved over a year ago". I was quite shocked by this because I also have statements in the SAR info. showing my new address and proving that they had received notification that I had moved a year ago, but they had carried on sending letters/statements to my old address as well. It's quite a while ago now, should I let sleeping dogs lie or do you think I shoul
  17. Hello, I am not familiar with the current legislation regarding payday loans so advice on a letter structure would be appreciated. Background: A few years ago now I was a compulsive gambler and borrowed from any lender that would give me the cash . I managed to rack up £50k's of debt and at the time didn't have a secure job. Two years ago after a lot of hard work on myself, help from family and a years worth of councelling, I have not gambled, I've got a permanent job paying a decentish wage , I've paid off nearly all my debts. one of those who I hadn't ye
  18. I am having problems with British Gas. To explain they sent me a bill one month after I moved in that was grossly wrong based on three weeks of use. I sent them a letter correcting this and complaining. I pointed out in this letter too that I was deaf. The response of me being deaf was for them to ask me for a mobile phone number so they could discuss it with me. I paid the bill even though it was out by a huge amount because well,.... it wasn't that much as it related to not much use - about £200 for three weeks use! They failed to adjust the meter readings for the property though
  19. Hi there im hoping someone can help me. A few months ago, I did a silly thing and took 1 plaster from a damaged box in sainsbury's. I was caught and came back into the store. They took my details even though the manager knew i was sincerely apologetic and HE EVEN SAID NO LETTERS WOULD BE SENT TO MY HOUSE. They said im banned for life and that i should leave. No police were called. They even let me appeal the ban and their security guard has been LETTING ME SHOP IN THE STORE, SO THE BAN HAS BEEN LIFTED! 2 months later i received a threatening letter
  20. I am trying to get my finances in order and have been reading up on forums about those who have had successes dealing with DCAs, but unfortunately my accounts don’t seem to make sense. I have four default accounts on my credit file, showing a D sign every single month on my account, but I have three payments from DCA going out of my account two I know why I am paying but PRA I don’t know what its for, and the two bank account overdrafts I have defaults for I don’t know what is happening with them and what to do. Should i send out CCA letters to all creditors including barclays and
  21. Hi, I am hoping someone can help. I got home today to find a letter from High Court bailiffs, stating that they had called to seize goods and would be calling the following day to seize them, whether I was home or not. The problem is that it is for a CCJ I did not know I had until three-four weeks ago, as the CCJ was given to me at an address that I had lived at, but did not live at at the time they did court proceedings (I hadn't lived there around six months when it was granted). I only found out when I got my credit file that it had been given just over a year ago.
  22. Hi, I have read a few of the threads regarding npower so I know how incompetent they can be. I will outline my problem in the hope someone can advise: During 2012 and 2013 I had to contact npower a few times because they did things like send me three letters on the same day saying I was variously in credit by £75, £391 and £1078. I pay by direct debit and have always been in credit but I called and told them I thought their administration of my account left a lot to be desired. I have also put through meter readings by phone which on occasion have been ignored and I have had to
  23. 12 july 2015 Hi, Please can someone help me, its urgent and I am very worried. Just to give you a brief background I am a single mother and was diagnosed with a chronic pain condition at a young age and Iv had for many years other health issues have now made me worse like diabetes, Ibs, arthritis and more. Iv also had to be there for my mother who is bed ridden after a car accident and my step father who for many years had liver disease and was very ill before he died a couple of years ago. I have tried to go back to college and university where I now have a
  24. My girlfriend had a number of debts from 2008 and before. She totally ignored them and didn't know what to do and how to go about addressing any of it. Thanks to some very helpful information from this forum - we sent SARs and got back lots of information in 2012. We decided to "sit tight" with everything and wait things out until they became statute barred. As far as I can tell (having waded through the reems of information sent back) they are statute barred now (no payments made in 6 years +).. .with the last one to become so next month - July 2015. This
  25. In July 2014 I bought a Vax vacuum cleaner from Currys online, delivered to the store for pickup, at £49.99 (yes, ok cheap vacuum) Yesterday the motor burned out - terrible noise accompanied by a burning smell. Fair enough, things break and it is only 10 months old. Currys will do the right thing, I figured. £50 wasn't worth Mr. repairman assessing it and they'd just exchange - guess not. today I packed it up in the original box, along with my delivery receipt and took it to the nearest Currys superstore. Explained the situation and the Knowhow guy explained I had to tak
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