Hi All, I'm a newbie to the site and I hope i'm in the correct forum. I would be very grateful for any advice or guidance from those of you with experience of similar issues. We took a loan with Welcome Finance in 2007 secured against our home for £17,000. Over the years they have changed companies and are now known as Prime Credit. We have taken steps to sell our home and have accepted an offer. It is only now that we are in a position where we are looking for a new mortgage that we have realised the secured loan will create difficulties. We have paid £234 per month for almost 10 years totalling around £28K. When we finish the loan with Prime Credit in another 5 years we will have paid in excess of £40k Can anyone offer some advice on the best way to approach this with the Loan Company please. We have just realised that if we have to settle the loan first we will not have the deposit needed to move house. We have been improving our credit scores over the past few years and are bordering on achieving Good. Would it be advisable to apply for an unsecured loan to pay this off or would this also affect our mortgage application. We are so confused about the best way to deal with this Many thanks in advance for any help you may be able to give.

I had been given a PCN by Park Watch / Defence Systems in June for wheels over the line in a parking bay - £50 going to £100 if appeal fails. I appealed to POPLA, it was rejected so £100 charge stood. I paid £100 in october but they referred my case to Debt Recovery plus because they said the payment was late. The charge is now £160!! Even though I've paid £100...don't understand. I've emailed them and spoken to them and they're just bullying me and threatenign court action. I can't sleep with worry but I've paid £100 after being threatened and now they want more!! Surely this is not right in the eyes of the law??? I've seen some other threads about court summons and wondered the outcomes.

Hi all, 1) With my last claim for JSA you didn'tt have to allow the DWP access to a UJM account. Is this still the case? 2) Does UC also replace HB? 3) Overall is the net money lower with UC (I'm guessing so). Thanks all, JB

Hello, I had taken a number of payday loans in the past, in particular the period of 2014-2015. Most of them are settled or just ignored, but there are a couple that keeps getting chased. One is for Cheque Centre which has been bought up by Lantern (Formerly motormile) and the other is The MoneyShop who I'm now getting chased by BWLEgal on behalf of PRAC Financial Limited. Now, so far I've just ignored them, get standard threat emails etc. Heard nothing regarding the moneyshop one for months until now. However, is it worth making a complaint and the proceeding to FOS for ireesponsible lending when in particular Cheque Center no longer exist? Would that get me anywhere, and who would I complain to, Lantern? As for The Moneyshop one, should I complain directly to them or Prac Limited? I've read the guide so I'm prepared to take them to FOS (I had many many payday loans at the same time, and Cheque center was in particular bad where I was offered £1000 every month with £300 interest, and I used them for rollover several months in a row..)

I have never been down this road before, i need some advise I have been signed off work from June unfit for work. I have a long term condition that will never get any better only worse. Today I saw my gp who has written another unfit for work note. Everything has been crossed off and in the comments he has written... Will never be fit to return to current work and I think she should therefore be 'retired'. This will be the case for 3 months from 26/8/2018 to 25/11/2018. Goes on to say will not need to assess your fitness for work again at the end of this period. Sorry for the long explanation but it has confused me some what. Thank you in advance

I have a flat and owe ground rent and insurance charge the total outstanding was £597. Then the debt was passed on to PDC I offered them £60 per month but they refused it. The next thing I received from PDC is a court summons and the claim has escalated to £1882.59 within this amount is a PDC fee for £250 and another to PDC for £840. The balance is made up of Solicitor's fee £80 Court fee £115. Can someone please explain how can PDC charge £1090 which is almost double the original debt. Thank you all

hi everyone, im hoping some-one can help me out with this my brother passed away 18months ago and i was executor of his will. i did my duties as such but other than those in his will am i obligated disclosing info about him to anyone not on the will i.e other familly members just crawling out of the woodwork? many thanks in advance

Hi, I have accumulated some relatively large charges from HSBC Business over the last few years, mainly for unauthorised overdrafts. Is it possible to have any of these refunded? I am in quite a bit of financial difficulty at the minute. I dont have any lending on this business account. I would also like to keep the account open, so dont want to do anything to harm that if possible. Thanks for reading! Jamie

I was really worried, I get caught for shoplifting at tkmaxxx. I have given my address, name, phone number and signed the banning form with exclusion list of stores for 12 months and a letter with RLP that I need to wait to pay them a lost cost of Tkmaxx which they have gotten all the goods back worth 60 Pounds. What will happen if I pay them? Will there be any further problems in the future? I am really ashamed of myself It happened because i'm not myself that day and suffering from depression from most of everything in my life. I really need some advice and help. Thank you

Hi, Since September last year, I have been pursing claims against a total of 17 Payday Loan providers whom I had taken various loans from during the period 2010 to 2014. Of the 17 providers, 6 have settled directly with me and I have currently have 9 claims lodged with the FOS. The FOS have stated that they are currently trying to decide whether they are able to consider loans taken out more than 6 years before the start of an irresponsible lending claim, and cannot provide any timescales for the resolution of the issue. Does anyone have any guidance on a likely timescale for this to be resolved as I cannot find any further information?

Hi, My partner has got herself into 9k's worth of debt with a credit card company. She kept it secret for years and has been paying £300-£350 minimum amount per month, but the interest keeps coming and she's missed payments because of other debts and outgoings. We don't have any joint savings to throw at it, I'm disabled and not working and we have a child of 4. She works full time. I'm not sure what further details are required, so please let me know and I'll add them. I would really appreciate some guidance as to what our options are. My first thought was to get a consolidation loan to bring down the payments to manageable levels, but I doubt she'd be able to get a loan because of the missed payments. CC firm don't seem interested in helping and the interest is mounting up. She hasn't spent anything on the card for many months since she first defaulted. Thank you. P.S. apologies if this is in the wrong section.

This is also in our Media holiday and travel forum. From the BBC. Jeremy Clarkson will have to take a break from work for "quite some time" after contracting pneumonia, the TV presenter has said in a statement. The Grand Tour presenter was admitted to hospital on Friday after falling ill while on a family holiday in Majorca. http://www.bbc.com/news/uk-40846356

Hello. Had a whirlpool washing machine off brighthouse which I have been paying for 3 years with insurance cover and only have 2 weeks left to pay. The washing machine bearings have gone and brighthouse sent a guy to fix it and he said they will right it off and left a form. I contacted brighthouse and the lady said because it is 3 years old she is having trouble replacing it and would I like a new one with a reduce price which I refused. Now the lady is saying if it is replaced it will be one that is 3 years old. I am a bit confused on their website it states if they cant fix the item they will replace with new. She also said because our washer is now 3 years old that it is not worth anything and the price for it now is zero and she doesnt think she can find a like for like. I need to phone them back tomorrow so any advice would be great thankyou.

Is it legal, for council run car parks, to lease some of their bays? I have been using a particular car park; 30 years plus. It has six levels. First level has a row of bays painted pink [nice] for 'Handicapped' & 'Parents with children.' All the other bays are painted blue. Rightly or, wrongly, this colour has been considered for the use of all others It is a pay & display. It was busy. I drove up to the fifth level. All the bays were blue. It was 80 per cent full. Saw a bay and reversed in. Bought a ticket - onto windscreen. When I returned, there was a PCN on the window for not displaying a ticket. Found the parking office and entered. Within were 3 parking attendants munching happily. I was angry. A Team leader joined me. Went up to my car. Pointed out my ticket. He then alleged that I had placed it there after I had received the PCN. Got more angry. He said it had been issued by the Team Manager and he would have taken photos. He began to raise him on the radio. Whilst he was doing that, I spotted a 12" by 12" plaque saying one was not allowed to be parked in these bays - even if 'one' had a ticket. [Leased out to : Clinical Commissioning Group [CCG] {NHS} My research reveals they receive from the government i.e. 'us' two thirds of a 73 billion pound budget. Nice, again. Bear in mind - not even the Team Leader knew any of this. Also, other than the plaques being small, their positioning is suspect: The first one was blocked by my near side exterior mirror. The second, on the rear wall, was invisible to me as it was lower than my rear view mirror, and finally, the third one was out of sight as it was on the other side of the car parked next to mine. Of course, I am challenging the PCN. [inadequate signage] Has what has occurred - legal??

Hi. Just needing some guidence on CRS on behalf of the Harlands gym. Cancelled the gym membership after 6 months i personally thought id taken it out for a 3 months time scale as i was told its for how long you want it too be not like other gyms!!! I was wanting a gym based more on classes as i got married in Aug 17. Cancelled with the bank as i was having personal issues it wasnt until i had to look at my bank account realised i was still paying for the gym as i thought id got it for the 3 months sounds a lame excuse i know have been told i owe them 342.00. Well ok then the contract i signed was for 12 months and i have paid 6 months at 29.00 a month i worked it out for about 174 .00 but they have put costs etc on. Having rang and explained they have been really rude and condescending. They have apparently sent me letters and also monthly statements of what i have paid to my address i can honestly say i have never received CRS says i need to have a word with Royal Mail as obviously i am not getting my post through their service. I receive my bank statements and overseas parcels so really not sure why i havent revieved their letters. I am more than willing to fight this im worried the affect it will have on my credit rating as im looking at changing my mortgage i dont want this to have an impact while im still trying resolve this. At the moment they are just rude people who speak to me like im a low life. Feeling worried and scratching my head whats the best course of action as obviously i signed up for the 12 months which is now my words against theirs but no way am i paying 340 odd pound.

Hi I got caught taking some items from primark (I know, sad)! They took me in to a room and took down my details from my Spanish ID and I gave them my real address to send the fine they told me the RLP will send in a couple of weeks or so. I'm over 18 so they didn't ask for my parents details. They made a copy of my Spanish ID and didn't call the police. The total amount was £35. I swear I learned the lesson but I'm really worried if I'm going to have any criminal record in the UK or it's going to be a problem if at some point I want to apply for a mortgage? Also the security guy told me the fine will be £130 but I read on this website that it's £180. Also read that I don't have to pay, just ignore it. The security guy told me if I don't pay it this would be taken to the court and I would have a real problem. Is that real? They have my real address so it's easy the RLP can ask for it and send the police to my address or something? I'm really worried and i'm overthinking the worst! I would really appreciate if you can give me some advise. Many thanks in advance.

Good Afternoon. I was wondering if someone can help me with some questions regarding an old debt I have. About 5 years ago, my mother became terminally ill, I was in full time work and had to reduce my hours to help her as she refused to go into care. At the time I was paying for a Loan from NatWest. I knew I was going to start to struggle paying the loan amount so I went into the bank to ask for help. 3 times I went in asked, each time they either tried to replace it with a bigger loan over longer or just said no. On the 3rd time I spoke to the General Manager who said to stop paying the loan and we will be in touch to arrange a lower payment. I was unaware what this actually meant but did it. 5 Years on I have a default and debt owing to NatWest, However they have got Westcot to manage the Debt which I pay a token payment of £1 a month. Recently a friend told me about the original terms and conditions tactic. I wrote to Westcot asking which they told me they only manage the debt I then wrote to NatWest who have replied saying they cannot find them or have enough data and that the debt is not enforceable however because I'm in default this only stops them not pursing in court. The letter says please continue to pay because it they don't they will use what ever means by the law to get the debt back. They also say the Debt is still Valid and please contact them to arrange payment if I haven't already done so. My question is what do I do now? My Default will drop off soon and I don't want to cause a issue which could stop that happening. This is the only debt I have and its effects my credit score. What should I do? Any help with be greatly received. I have attached the letter.

In the last few years I have been a huge idiot and coupled with my mental health deteriorating I have had fallen into some issues with my debts. I am trying to be more positive and to get myself out of this hole and others so I want to start tackling this head on. Very £1000 Lending Stream £450 (Received start of CCJ proceedings this morning) Wonga £600 Quickquid £400 Capital One £1000 Aqua £2000 Vanquis £1000 Credit Union £1000 I had gotten to the point where I had to take out payday loans to pay the payday loans I had just paid and it just all came crumbling down. My quality of life took a negative turn as I was paying so much interest and barely making the minimum on my other bills. I have a family so this compounded the issue and it just broke me down so I just ignored it all and managed to get some help for my health. I haven't really done anything with these debts for the 12 months and some have been passed onto DCA. I don't have any savings I can pour into this so it is going to be a grind, but I will do whatever I can to get out. Can anyone help?

approx.: 10 months ago we had a leak in bathroom. called Royal sun alliance Insurance to make a claim. claim exceeded a fixed amount of money Royal sun alliance handed over to Cunningham Lindsey as their loss adjusters. 10 months have passed and still no works completed. I have attached a letter that I intend to send this week to loss adjusters. we want to know if we are entitled to compensation due to all the stress & inconvenience we have had to endure, such as doctors & hospital appointments. Cunningham Lindsey letter of complaint - Copy.pdf

Hello All, I used moneybarn to purchase a car for 7k, over 39 months equaling 10.5k all together. I am paying £280 a month, I currently have one month arrears from about 3 months ago that im paying back in a payment plan of an additional £50 per month. Around £200 left in that arrears, my payment is due again tomorrow however and I am struggling to afford it. I am not 1/3 through my agreement, however I am wanting to VT my car and only be liable for the 50% which will be roughly 5.3k and ive paid around 2.3k minus arrears, so il be about negative 3000. If I send a VT notice today, will this work? Also regarding the remaining 3k will I be able to make a payment plan for this? I currently use a debt management plan so could I add this to that? Or are they going to hound me to go to court and all sorts of silly things? Please help?

Anyone have any e maill addresses for somebody at Dart charge who isn't a robot? I've just wasted nearly 2 hours on the phone to them as they have raised 3 penalty charges for my account (they mean my reg no) which they show as being £10 in credit but they refuse to apply the credit to the crossings I made. I have never dealt with such useless people (and I work for the NHS) who tell me 'the system may give you a refund it may not' and then expect me to pay again for soemthing I've already paid for! I also wish to complain about one particular call taker who was so rude it was unbelieveable and I want to request the recording of that convesration. Thanks to them I now need a new keyboard...

Hi all This used to be the norm for me, checking the forum and working out how to deal with debt problems. I eventually managed to get my credit score back up to a point where I could get a credit card, albeit, a high apr Vanquis card. I was in a stable job earning relatively good money and have managed to make the monthly payments for the last 3 years. However, a few months ago, I lost my job and I had started to study for a career change. I have since qualified and even though I still have the experience of my previous job, it is becoming increasingly difficult to find a job. In the last year or so, I have taken on more creditors due to having financial stability. I took out a small loan last year with Avant credit for £1000 which has £715 left to pay in total, I also bought a new pushbike with V12 retail finance of which I still owe £654, I have a further 2 credit cards with capital one and the balances are £567 and £275. My vanquis card is owing £3167 I made a lot of phone calls a couple of months ago to see if I could hold off payments until I am financially back on my feet, but instead, all the creditors backed me into a corner to make arrangements for smaller payments, even though I couldn't afford to meet the payments due to not working. Does anyone know where I stand with this and what I may be able to do as I am now in a position where all of these creditors have now sent these debts to outside companies who are now writing to me and texting me. My credit score has plummeted and this situation is only going to get worse. I still have no work but none of these companies seem to be listening. Thanks in advance

Hello I really need some help please. I bought a solid gold christian name necklace from 'My Name Necklace' and purchased their 12 month warranty at the same time. Just inside the warranty date, the chain broke, I completed the online claim form along with a photo of the broken chain ( The warranty covers chain breakage ) The company emailed soon afterwards on 15th November stating: We apologies for the situation. We can send you another chain. A prepaid return envelope will be sent so that you can return your original item to us.* Please let us know if you agree. Please note that this envelope is already addressed to us and prepaid. Simply place your item in the envelope and drop into any mail box. There is no need to add postage or go to the Post Office. Please let us know if we could be of any further assistance. Best Regards, Allison Brown My Name Necklace Customer Service Team I replied stating I would use the envelope but as the order cost me £116.00, I would not be popping the envelope in a letterbox, and would pay extra to send tracked. 2 weeks passed, and the addressed envelope hadn't arrived, I messaged again to report this, was told that the returns envelope can take up to 3 weeks to reach me. I realised the compary was overseas, so had to accept this. At today's date there's still no envelope I've contacted the company again and they are just lying / fobbing me off by saying they have escalated my complaint, and then I hear no more. I've asked for the company address and they won't supply it. All communication has to be done through their webforms only. I may have found the address through Google search, but it may not be correct: Mynamenecklace 14455 N Hayden Road Suite 226 Scottsdale, AZ 85260 I'm wondering if there is a procedure similar to the UK 'small claims' that can be done with an overseas company? Can anyone advise please? The necklace was my daughters 2015 Christmas present from me. To be honest, she only wore it a handful of times as the chain is so fine, that she was frightened it would break, and unfortunately the chain caught on her jumper, and snapped when she tried to release it, albeit very carefully. Thanks in advance for any advice offered.

I received a letter from PRA Group recently which states:- Dear Mr XXXXXXXXXX PRA Group (UK) Limited ("PRA GROUP") Account Reference Number: XXXXXXXXXX We write further to the above and to inform you that your account has now been transferred to the Investigations and Litigation Department. This is a letter before claim as required by the Practice Direction on Pre-Action Protocols, to give you notice of PRA Group's intention to issue court proceedings against you. You should consider the contents of this letter carefully and seek legal advice or alternatively contact one of the free agencies detailed on the enclosed document. We specifically refer to paragraph 4 of the Practice Direction and set out in that paragraph are the courts powers to impose sanctions for failure to comply with the Practice Direction. You will recall that you entered a written agreement numbered XXXXXXXXXX on or around xx/xx/1998 with MBNA Europe Bank ("the Creditor"). The agreement was regulated by the Consumer Credit Act 1974. The agreement obliged you to make payments, however, in breach of the agreement you failed to make those payments and are now in breach of the agreement. By a notice of default the Creditor required you to remedy the breach within the prescribed period and gave notice that, in default of so doing, you would be liable to pay the monies due and owing. However, you did not remedy the specified breach within the prescribed period and you then became liable to pay the Creditor the sum of £xxxx By an assignment in writing dated xx/xx/2014, the Creditor assigned the debt to PRA Group. Then by notice in writing the Creditor and PRA Group wrote to you to notify you of the assignment. PRA Group has made further written and oral requests for payment of the sums but you have not paid the sum due and owing. If after considering this letter you take the view that you do not owe £xxxx then we look forward to receiving your reasons why you take that view plus supporting documentation. We do not presently envisage that expert evidence will be needed in this claim. This letter should be treated as an invitation to refer this dispute to medeation or some other form of alternative dispute resolution (ADR). In addition this letter triggers certain time limits that effect you:- 1. You are expected to acknowledge and answer this latter before claim by xx/12/2016. 2. You are expected to respond to the invitation to refer this matter to ADR by xx/12/2016. We look forward to receiving your letter in reply, responding to the claims made against you and / or setting out your proposals for settlement / payment. We are prepared to discuss repayment options if this assists you. If we do not hear from you within the above time limits then court proceedings will be issued against you which may increase your liability for interest and costs. If you have any difficulty in complying with the above limits please explain the problem to us as soon as possible and we will consider a reasonable request for extension. Yours sincerely Litigation manager PRA Group (UK) Limited Tonight I have done a CCA request to them which will be sent tomorrow. Is there anything else I need to do or just wait for there reply? Thanks in advance

Hi there I wonder if I could receive some advice about the claims guys ? I have received 8 letters from rbs offering me around £5500 for mis sold ppi . I used the claims guys to act on my behalf . I called them after receiving so many letters asking me to fill them out and return them . I was asked to answer each question to support my claims after answering the same questions on four of the claims I got bored and said I do not have the time to continue and left it there, the person said to me that I would need to answer all of the questions for each claim before they could proceed , said that I would call back which I never did. now I have received 8 letters asking for payment for each offer I have had, surely this is not allowed ? How can they try and charge me for 8 different claims when I only answered questions on four ? This amounts to well over 1500 !!!