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About Me


  1. Hi all, I started a previous thread to share my general issues, but am posting in this section for specific advise relating to First Direct. Previous forum address here if anyone is interested: http://www.consumeractiongroup.co.uk/forum/showthread.php?458839-Low-income-6-year-old-debts-and-worrying-about-the-possibility-of-future-court-action I had an account with an overdraft, credit card and loan with First Direct (all pre Apr 2007). I defaulted on payments for the credit card and loan back in 2009, at which point, they closed my account, merging the credit card and overdra
  2. Just started my PPI claim against Natwest credit card, just sent of my SAR and £10 PO card was taken out april 99 How do I work how much I could be owed is it the PPI plus the culmintive interest of the card on that PPI over the years Plus the 8% interest
  3. To keep it short: Hermes driver claims they delivered to me, even have a fake signature. Yes the company I ordered from will refund, but the item is no longer available so I cannot re-order it. This is possibly the second time that the Hermes courier has done this with my parcels- I did not chase up the first time, I just accepted the refund. Now, my question is.. What can I do about it? I don't want to just accept a refund, I don't think it is fair or right that she has taken my items and forged my signature.. and no, I don't earn a lot more than her etc. I h
  4. Hello I was on a training course provided by a training provider on behalf of dwp while on course i did not sign their data consent form as, I did not agree to what was on it I only put the date on it. I received contact from the company by phone and email also text message so i emailed them telling them to stop contacting me No reply. i decided to contact them via an ico letter asking why they contacted and they provided me a copy of the form and said as ,I signed it they could contact me. on looking at the form my signature has been forged and also my name has been writte
  5. Hi Asking for a friend Can someone please confirm that a straightforward passport renewal doesn't need a counter signature. There's no change of name or much change to appearance so from what I can see just need to fill forms out and supply new pictures? They've got an appointment at the passport office on Wednesday so just want to make sure everything is correct before travelling up there. Thanks
  6. Hi, I am looking for some advice/opinions... In January 2011 I purchased a car with finance provided by creation. The price of the car was £2995, I paid a cash deposit of £800. I was made aware of charges/fees totalling £450 (ish), which would be added to the finance agreement. All was going fine until around 6 months ago, when a change of bank account led me to registering for online account management (so that I could arrange continuing payments). The amount outstanding didn't appear to be correct so I contacted the company and requested all of the relevant figures.
  7. Hello, I am due to move into my new flat on 11 December. I made an offer for it over three weeks ago, which was accepted by the landlord on 18 October (3 weeks ago). I then went successfully through reference checking and all that, and on 25 October (16 days ago) I made the payment for the first month of rent and the six-week deposit, plus various fees (in total circa £4500). The issue is that, as of today, the landlord has not yet signed the contract; the lettings agency say they are trying to get a hold of him but he is not returning their calls, the last time they spoke to him wa
  8. I recently applied for credit with a loan provider. I was accepted for the requested amount and was provided a loan agreement to electronically sign, complete with terms and all the necessary information. I signed it and it was signed on behalf of the provider, which was emailed to me as a PDF. Now, the provider is requesting bank statements and ID verification, and have cancelled the original loan from my account. Is the loan provider legally obliged to continue with the agreement they originally signed or are they even capable of backing out? Thanks in advance, Michael.
  9. I split with my ex almost 2 years ago. Since then ( prob irrelevant ) I have sorted out almost 100% of the financial mess he left us in. I have paid for and initiated all the solicitors fees and divorce . He was chased for an old debt last year and as usual ( because they had traced him to his mums house which he didn't like ) , he asked me for advice . As the debt was over 20 ! years old I advised him not to acknowledge it in anyway and no it wouldn't appear on his credit file . I then asked him if hed considered claiming for PPI and he said no. I asked him if he min
  10. Hi folks, So I'm in a bit of a complicated situation, I'll try to sum it up as briefly as possible. I guess I'm just curious what people think/advice/am I doing the right thing/anything else I could do? Last year I split up with my ex. I knew he had looked into some sort of tax credits scenario a few months before we split, however I never filled in any forms and never saw any money, thus thought no more of it. In June of this year I discovered he's been claiming joint couples working tax credits under both our names since last year. When phoning the HMRC about this they "fixe
  11. This is connected to my other thread on lending money but felt it deserved a thread of its own. The person who owes me money and to which he has confirmed with his signature and later agreed by the court has now turned round to say that he did not sign this document but if he didn't, then who did. By way of implication, am I being accused of forgery, slander, libel or anything else ? Be grateful what to do with this current issue.. http://www.consumeractiongroup.co.uk/forum/showthread.php?381806-Lending-money-to-a-friend.
  12. I invited a local estate agent to view my property for evaluation in early May 2010. I also invited another agent for the same purpose a week later. I invited agent (a) to revisit my home to take the listing. They backdated their signature on the Sales Agreement by nine days, without my knowledge or authorisation. My signature reflected the correct date of the Sales Agreement. The agent did not advise me that by placing my initials in a box contained within the Terms and Conditions of the HIP Pack, I was waiving my rights to the seven day "cooling off" period. They said that they had
  13. Introduction I'd like to document the correspondence of my dealings with Erudio, aka Arrow Global / CarVal Investors in the hope it will help others; my student loans are from 92-95. Mission Objective To get written confirmation of deferment, as has been the case since loans were originated via SLC. Salvo #1 First contact was a big wad of paperwork as documented in other threads, asking for bank details, eye colour, inside leg measurement et al....and a signature! I ignored this first contact. They phoned and I requested a
  14. Hi I've been reading about claiming money back for this type of account! I was advised to take this account out when money was stolen from my account and I've been paying it for quite some time but never had any of its so called benefits! I even pay Rac for my breakdown cover so I've no use for it to be honest! How would I go about claiming it back or even can I?
  15. I received a summons earlier this year for non-payment of council tax in a property I rent out, as the tenants hadn't registered themselves for council tax. That's not a problem in itself, a quick call to the council and the summons was cancelled. However, when I looked at the summons, I noticed the signature looked very familiar. The magistrates clerk who's signature had been used on the summons apparently has exactly the same signature as the best man from my wedding. Needless to say, I checked this with my best man and he confirmed the signature was identical to his, and that he could
  16. Ive recently asked my bank to provide me with the Credit Agreement relating to a loan from a while ago. The document I received back had my signature on it but instead of an authorising signature from the bank it had the name of the branch handwritten instead (in upper case). Is this still considered to be a valid signature?
  17. Hi I ordered some sofas from buy as you view. When it came to them being delivered I arranged it for a day when I was off work as I had to - the agreement due it being in my name. They never turned up! They turned up the next day surprising the missus. They brought the sofas into the house and asked where I was as I needed to sign the credit agreement, the missus told them I was at work (which I can prove I was) and explained that they were supposed to arrive the day before as arranged. Instead of rearranging the bayv guy told the missus to sig
  18. Good evening all. I would greatly appreciate any guidance on this as its stressing me out beyond words. My health is not fantastic at the moment and i am having to take numerous medications. In Sept 2005 i had some windows from Crystal windows. The man who came to do the financial forms etc asked if any one was on the mortgage with me, and i told him my Mother was, he took her details and address, saying it was his companies policy to do so. I made it quite clear to him that my Mother had nothing to do with the loan. She does not live with me, but somewhere else.
  19. I took a £20k secured loan out about 1 and a half to 2 years ago now and been paying the extortiante rates back since. Never missed a payment till now. Ive hit financial difficulties and need some help. I believe my CCA in incorrect and am considering putting it into dispute also. I sent of the subject access request and the CCA request along with 2 seperate postal orders. One for £10 and one for £1. I received a letter today saying thanks for the requests but please send a cheque for for £1 and the £10 !! My postal orders were no where to be seen or even mentioned in the l
  20. Hi, I have a debt to Capquest (owned by them purchased from Vanquis in 2012). I have been trying to sort this out and three weeks ago sent off a CCA because I could not recall signing anything when this was taken out. I spent £500 in total which needs to be paid back but the amount claimed by Capquest is £701, presumably these are credit charges, interest and default fees etc. Because I don't recall signing a CCA what I would like is for the amount owed to be agreed at what I actually spent, which is what I feel comfortable with on moral grounds on repaying. I a
  21. Hi there People Can an email address be classed as a signature ? I have found something from William Robbin who is a solicitor in Keystone Law's corporate team. http://realbusiness.co.uk/article/8106-digital-signatures-are-they-considered-legally-binding Has anybody got a CPR or a Practice Direction please. Tony
  22. Hi all,helping a family friend out,basically he has a loan from black horse and has got serious debt issues. I helped him fill a income form in with his incoming and outgoings and typed up a letter asking for reduced rate. Now im sure ive read on this forum before that you never sign the letter with your signature so he printed it in capital letters,however they have wrote back acknowledging the letter and form BUT cannot help any further until they get his signature on the form? Any help/advice please thank you
  23. I have an old lloyds overdraft debt that was in dispute due to charges etc from around 2008. Last I heard was in 2010 when I replied to a DCA stating the account was in dispute and to refer back to original creditor. In Nov 2011 I went abroad (and had heard nothing further by that point) and have been pretty much living abroad ever since apart from the odd visit back to the UK. I just went back to the UK in Feb 2014 and discovered a new DCA had taken over the account and had obtained a CCJ against me in my absence in Jan 2013. After a bit of research I have discovered that “
  24. I made a formal request for a true copy of my CCA to RBS but on various advice I did not sign it. RBS refuse to send it unless the application is signed. They also say that because I have changed address they require copies of Bank Statements, Utilility Bills and copy of Passport with my signature on it, yet they have sent correspondence to my new address and even gave it to four different DCA's. Can they do all this ?. Advice would be appreciated.
  25. Hi All, I hope you can help me with a letter I have received from Tesco Bank. I have defaulted on a Tesco Credit card and this debt was passed to MDRL. I requested proof that MDRL were legally allowed to claim on this debt and they passed on the CCA request to the original lender. After many months and as far as I am concerned a default on my CCA request, Tesco have replied. The letter is attached. Please answer these questions if possible. Are they right, should the CCA request be signed, bearing in mind it was sent to MDRL? If they have done nothin
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