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  1. Good morning all Have been an avid reader of CAG for some time. I currently have an alleged debt with shop direct which is being dealt with by Lowells. The debt is for £2k+ I have read the guides and templates available and sent a CCA request to Lowell's in November. I finally received 2 signed documents. You can see on one document the key financial info is set at £36. The other document Is signed and the account number is the same as the first document. Note that the dates are different so the documents were not signed together. Any help or pointers would b
  2. My girlfriend and I went along to a trial session at a local fitness centre we had been told about. After the session, we sat down in the café and received a free (freshly ground) coffee as we discussed joining permanently with the trainer. The conversation was brief, 5 mins max. It involved an iPad on which she showed us the booking app they use and details of the different memberships. We opted for the couples membership at £88.20 per month (endorphin levels were sky high so this sounded like a great deal at the time) plus we get some free gear and a club-branded item of cloth
  3. Signed a solar panel maintenance Contract in home for 3K (deposit paid on CC), with no mention of 'cooling off' period. in Contract. So how how long do I have to cancel the Contract & recover my deposit (s75)?
  4. Hi All I've read a lot of horror stories about Utility Warehouse but none that quite matches my scenario. My partner and I recently moved house and the previous tenants must have been with Utility Warehouse as we received tons of mail from them, telling us the house had previously been supplied by them and trying to coerce us into sign up. I only opened the first two and consigned the rest to recycling. Then today, I received a letter in a plain white envelope, which I opened. The letter is a demand for a 'missed payment' along with a membership number. It is addresse
  5. Hi A DCA that I have been making regular monthly payments to are unable to show me a signed credit agreement. Does this mean the debt agency are unable to come after me for any more payments? I am thinking of offering a f&f to get rid of them. PLease advise. Many thanks
  6. I had my ESA stopped which is now pending an appeal, I have had to do a joint claim to claim UC, what a nightmare this has been. My original claim was from the the 23rd June and they have in therefore paid me four weeks instead of five, 23/06/17 - 22/07/17 that will be paid on 29/07/17. so in other words they are paying me four weeks but not paying me until the 5th week but not paying for the 5th week. As I have come straight over from ESA the seven day waiting period and as I understand it cannot be used by the DWP so why has a week been deducted and why if my claim started on the 2
  7. This was my girlfriend who did this without me knowing. She signed up to some well being 6 month course where they offered it for $10,000 and she said she could not afford it so they let her have it for $7500 and she signed some digital contract that states if it does not work you don't get your money back. Well it turned out to be a few videos on well being, food and exercise etc and 2 x 1hr group calls, a total rip off and it has done nothing for her at all and she feels utterly stupid for signing up and wants out. She is paying £250 a month and has 3 months left of the co
  8. Do all warrants of execution or warrants of distress need to be signed by a Judge? If they are not signed, are they lawful for an Enforcement company to execute.
  9. Regulator the Civil Aviation Authority (CAA), which no longer deals with complaints flight delays and cancellations, has announced that a total of 20 airlines have now signed up to approved 'Alternative Dispute Resolution' (ADR) bodies. Customers with complaints aginst those airlines who have signed up with the Retail Ombudsman will have thier case dealt with free of charge. But British Airways, easyjet and Thomas Cook have signed with CEDR which charges customers a £25 fee for unsuccessful claims for compensation https://www.caa.co.uk/Passengers/Resolving-travel-problems/How
  10. I asked for a copy of a CCA agreement from Drysdens / Max Recovery recently. A letter dated March 2016 stated that they were unable to fulfill my request. A letter today from Drysden attached a "copy of the credit agreement conditions". It has none of my details on, nor my signature. The letter says " our client considers the debt due and owing" What do I do now?
  11. Hello I received a letter from Restons a couple of weeks ago regarding a debt from Arrow regarding a credit card. I sent the £1 request for details and have now recieved a letter back saying they are ignoring my request as the letter has not been signed Can they do this or do they want to lift my signature to paste it on documents Thanks
  12. In 2014, I was due in court for an alleged crime which was fitted up and racist. my wife and I signed to apply for LAA, and it was based on the earnings she was receiving as I was a poor musician. before the case date or I even had a Barristor, I had Rossendales harassing me to pay them £586. 00 per month, which I retaliated withe vitriolic replies. The case date was not set up until Oct, and by that time I had ignored all notices from Rossendales, and was going through nasty Divorce. As soon as I was divorced they started harassing me again, but I am fighting th
  13. Hello Can I firstly just say what a gold mine of information this site is. Its very comforting to read all the advice and be able to apply it to my own position and feel I am achieving something. I have a small mountain of alledged debt but have been managing it down with your help. I cope by giving priority to dealing with debt which is "sold on", hence my post. A while ago now I CCA requested 2 credit card (Barclaycard & Halifax) debts "sold" to Cabot Both have eventually come back with reconstituted and unsigned documents. I'm pretty sure these are both pr
  14. Hi my first post so please excuse any mistakes. Yesterday I was woken up at 6.45am by two burly bailiffs from swift stood in my hallway, they had let themselves in via an unlocked door. The debt is for council tax I owe £184. I asked them to leave as I suffer poor mental health and got upset very quickly. They asked to see my medication but I was so flustered I couldn't find it. I told them I suffer badly with anxiety and paranoia and couldn't cope with them being there I quickly became anxious and stated behaving quite manically throwing DVDs at them etc. Probably sounds an over r
  15. Hi, I took a company to court and the day before the hearing their solicitor called and agreed a settlement sum. He then wrote to the court to say we had settled. The next day before the hearing we signed a consent order (myself and the third party solicitor). I went to the hearing and the judge put through an order as per the consent. The third party did not pay and despite chasing their solicitor he always said "I'm waiting further instructions". During the claim I did not speak or deal with any of the third party, only their solicitor. The company went into liquidat
  16. Hi Guys Need some help and advice , i signed up with Plusnet on 13th November everything went fine after few days received an email saying that '' Dear xxxx The order for your service to be activated is due to complete on 2015-11-27 and your telephone number should be 0114xxxx. We now have all the details needed in order to place a simultaneous broadband order, this means that we should be able to get your broadband service working within 48 hours of your phone line being activated. These types of orders can fail on occasion, or be cancelled by the current provider.
  17. I was meant to start my MWA at 11am on Tuesday but due to a family member being taken ill i had to sign off at 9am the same day as i wasnt/wont be job searching for the next few weeks.I'm just wondering if i will be sanctioned for not turning up to start my MWA the same day as i signed off? The women on the phone when i closed my claim down said i wouldnt and that the MWA provider would be told that i signed off.
  18. Hi everyone, A new week and a completely different problem but another battle with my Jobcentre. Last Friday I was signed off by my doctor for 4 weeks with anxiety. Things came to a head when I actually hid under the table in my living room because my advisor had called and was leaving me a message. The sound of their voice sent me into a complete panic, shaking, crying and nothing was calming me down. My doctor has signed me off as well as referring me for counselling and I have been perscribed anti-depressants. He made it clear it would be a couple of months before he would eve
  19. Injured my shoulder at work 2 months back. Visited occupational health who as it was the end of the shift on a Friday done nothing but request my boss to refer me for physio. I went to my own docs who told me to take anti-inflammatories. Nothing happened, and I was not booked for physio at work, and this shoulder continued to bother me. On Friday, I visited my doctor who has referred me for a scan, and has signed me off as not fit for work for 1 week to rest it as my job is shoulder heavy. My job has been timed by an Industrial Engineer as being 'overloaded', meaning that the
  20. Hi , i worked part time 16 hrs in a care home as a maintenance man for 9 months up until june this year i worked in the dementia unit , the job was quite stressful and upsetting at times and was made worse by a recently promoted carer/manager anyway we didn't get on and we had argument and she tried to give me a written warning about my attitude , so i walked out , the other managers were very understanding and wanted me to return and sort out the problem but i just couldn't deal with it so i resigned went to see my doctor and I've been on the sick with depression/stress since . i have recentl
  21. Hello, on Friday myself and my husband part exchanged our ford mondeo for a ford c max grand. We said we wanted a more economical vehicle and we were shown one that was a 2011 reg and was supposedly a 1.6 tdi. We spent hours working out the finance cost, fuel costs based on the economy and tax costs. We agreed to buy and signed on the dotted line. Half an hour after we left the dealer, they called us saying they'd made a mistake and the tax was actually £20 more and could we bring the cash the next day. We thought it strange but agreed. We collected the car the following day on Saturday
  22. Won a motorbike off Ebay on 30th May, paid via bank transfer the next day as Paypal doesn't offer protection on motor vehicles. Was described as fully working, just had an MOT. Got a courier to pick it up and deliver it, received it yesterday, wouldn't start, had to buy a battery charger, discovered battery is knackered so will need to be replace, there may be other issues but hopefully not. Where do I stand on this with it not being as described? Can I make the seller reinburse any repairs I have to pay for? Or if I really wanted to could I return it? Thank you.
  23. I bet this is already on this forum but if it is not this may help persuade a judge or help in your argument. The first ever PPI case was in 1992-93 (Bristol CC 93/10771). The case involved L W Price -v- TSB Bank PLC. It was judged that the total payments of the Insurance Premium were almost as high as the total benefit that could be claimed. The case was won. A 10 year non disclosure clause was put in place as part of the settlement. After 10 years, a copy of the judgement was sent to the OFT and CAB. Soon after, a super complaint was
  24. Hi friends, I tried to search but most of the template letters are designed towards claiming single payment PPI, especially, for fresh cases. Mine on the other hand were monthly payments and they were stopped by Barclays in 2005. Why? Because, I claimed back some of the money Barclays had been charging me in the name of their Additions fee that I had never opted for. This probably prompted them to also stop my PPI immediately. And yes, I did not know what PPI was all about at that time. Now, I wish to take up claiming back the PPI Bacrlays charged me over a p
  25. Hi, I recently requested a CCA from HSBC for my credit card. They answered with "I regret the bank is unable to act upon your instructions for documents under Section 78 of the Consumer Credit Act 1974 for the following reason. .Missing signature " I thought i had read on a different thread that i did not need to sign it? Advice please
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