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About Me


  1. Hi all, First post here after reading through your excellent site. Please be gentle. Apologies if it's in the wrong place. I went through a disastrous divorce and had to move out of the family home. As a result my expenditure tripled and my income remained the same. I approached the CAB who were most helpful and they organised an equitable payment schedule based on my income and expenditure form, and I set up standing orders in favor of my creditors. All was well for about 2 1/2 years until I lost my job. I wrote to my creditors, (including the DCAs), explaining my s
  2. Hi To cut long story short, had a debt around £15k with original lender who assigned the debt to a DCA last summer (2016). DCA wrote chasing debt - I replied stating that in my view (formed by reading loads of stuff on internet) debt was unenforceable. DCA said would look into the matter almost a year later, has written saying they would not pursue legal action 'at this time' but would I get in touch to arrange repayment of the debt. I am assuming (ha ha,always tell my kids never to assume anything) this is as close as DCA will come to admitting debt unenforceable
  3. Environment Agency seeks Boaters’ views sought in consultation on proposed charges READ MORE HERE: https://www.gov.uk/government/news/boaters-views-sought-in-consultation-on-proposed-charges
  4. Hi there, First of, any help or advice would be very much appreciated. my sister ended up getting into around £1300 worth of debt with orange due to her teenage daughter running up a very large phone bill in one month. My sister, I assume - has just ignore it all. I only found out yesterday due to her asking to lend money to resolve this. She received a county court claimform on the 27th September and a letter from Lowell's to state court proceedings would be the next option on the 2nd of October (after the claimform had already been submitted). Had I have kno
  5. Hi I work in retail with vending machines. These machines are new to company and manufacturer and many do not know how they truly work. The machines have a history of being temperamental. Now I am in the role and I have been reviewed as having lack of productivity as the machines don't work. I have been told by someone who said he was rusty on his knowledge of the machines, after he had been working since 4am in the morning. I was not given information of who to contact when the machine goes wrong or info. Luckily I found this out for myself. Whats my position as I do like the j
  6. Hi Caggers I have spent a long time reading through old posts and have a headache! My situation is thus. I have approximately 80k of old CC and OD debt mainly on accounts started 2000 to 2006. some possibly a bit later. I fell into arrears etc in 2010 as a victim of the 2008 crash! ( I held on as long as I could) all of these debts are now off my credit rating file except for one which is with cabot from a Barclaycard that was taken out in 2000 and should have defaulted in 2010 along with the others which barclaycard have sold and closed and cabot is still marking my f
  7. This is my first post so hope format is ok. I took out MBNA credit card (as Abbey National member) over 10 years ago following a change in financial circumstances was unable to make the repayments. I entered into an agreement to pay £1 a month to MBNA and a number of other creditors in 2010. My total unsecured debt is over £50k, and debt to MBNA was approx £16k. This debt was moved on to Aktiv Capital then to PRA Group. I have made these £1 payments since 2010 to all 3 organisations (I believe there may also have been another company in between MBNA and Aktiv b
  8. first of all to say hello to all users. i am new here be gentle . i have read the forum rules etc . feel free to say hello and if i can help i will. On a more positive note i have recenly been paid out in excess of 7k from barclaycard ppi. how do i confirm they have calculated this correct, i assume a sar would be needed here and can i still do this even tho they have recently paid me out?
  9. Hi, We have a credit card debt with MBNA taken out in 2008 which defaulted in 2013. It is showing on CRA as 'satisfied' with MBNA, but then appeared as Aktiv Captial, who chased through 2013 - 2015. The debt is now with PRS Group and we have had a letter asking for payment or Court Action will ensue. If the debt is showing 'satisfied' can PRS still push for payment, or is this 'satisfied' because the debt has been bought? We wrote to Aktive in 2013 asking for CCA, they sent us photocopied version, scribbled numbers over and no sig. Do we just igno
  10. Section 5(1)(B) - The Taking Control of Goods (Fees) Regulations 2014 the enforcement stage, which comprises all activities relating to enforcement from the first attendance at the premises in relation to the instructions up to but not including the commencement of the sale or disposal stage; At what stage is the £235 fee incurred? 1. Just by visiting at debtor? 2. Or, by taking goods under control? If it's just by visiting the debtor's property then, at what stage do they take control of the goods? For the sake of clarification, CAB website tells me that Enforc
  11. I purchased a brand new home from one of the countries' leading developers in Feb 2014. There are 12 homes in our cul-de-sac. We exchanged contracts and moved into our so-called new homes within 2 months of each other. Some were not finished and residents were forced to move in by the developer. After some weeks, a couple of residents were moved out of their homes to allow a remedial team access to sort all the issues. They entered the homes but have just patched up most of the items. In the coming weeks/months numerous problems occurred and the developer was very sl
  12. I know this subject has been discussed a hundred times but I am seeking advice on the best course of action regarding a default that o2 added to my credit file over the paltry sum of £29.82. The first thing to say is the outstanding balance has never been paid as I was unaware that I had an outstanding balance, with that in mind it is curious that in feb 2013 the credit file was marked as settled. my bank have confirmed there was never any payment to o2 for this amount from my bank account. My contract was setup with a monthly direct debit & had ended in augu
  13. So today, I was pulled aside in work for an informal meeting regarding alleged misconduct, some notes were taken in regards to the incident and I was told that I would be updated as soon as possible - Two hours later, I was pulled aside again and informed that I would be suspended with pay, HR would be in contact via mail with full details, and I would be invited to attend a formal meeting. Alleged misconduct; It has been alleged that I was in possession of illegal drugs in the workplace, nothing was said about the use of said substance (herbal cannabis). After work, I had changed in
  14. In 2007 on her divorce my friend, had to remortgage her property to pay off her ex husbands debts etc. She took out a first mortgage with a company for £96,000, and a second mortgage with Swift for £10,000 which included paying off a leasing debt. The loans were arranged by a broker who I know received £1000 from Swift as commission. Of concern though is here we are 7 years later, and the house is still only valued at £100,000 - so how the loan ever got approved I do not know particularly as repayments of the two loans were about 60% of her salary. Thats the background.
  15. I bumped council tax for a good few years a while back . It was in joint names with a flatmate who bumped it too. We were both on the lease and the council tax Now I've been paying it back to Scott and Co a debt collection agency for about 4 years I've paid over half the total outstanding. do I have any legal way of now getting my name off that debt as I've paid my share. The other party is a waste of space so has not paid a penny. I've asked Scott and Co for a itemised statement and also under freedom of information for all comments etc on their systems as t
  16. A friend has requested my assistance in defending a Claim Form for debt. On the 2nd August 2010 she entered into a formal Settlement Agreement for a debt of £8467.84 to be settled by a payment of £50 per month. This payment schedule has been fulfilled, with an occasional missed month that was caught up with on the following month, i.e. all payment were made up to date. Unfortunately for understandable reasons in May and June she missed payments and had a Claim Form issued. Immediately she paid the £150 arrears to bring the Settlement Agreement payments up to date. Settlement debt now
  17. Hi guys Appreciate comments based upon experience as well as the law on this issue To my utter disappointment the lorry driver involved in the accident is no longer standing by comments made at the time of the accident. They are claiming I went into their vehicle. My insurers are pushing to settle 50/50 which makes me angry. The facts: As both vehicles approached the roundabout, the lorry in the left hand lane and my car in the right and both heading straight ahead, the lorry started to move into my lane, so I quickly put my brakes on, moving as close as possible to the ro
  18. Hi guys/gals, Hoping some advice could be offered on the following situation, as I want to take this company to Court. January last year I finished a contract with a company with whom I’d freelanced for three times before. Each contract was longer and better paid than the previous one. As the end of this contract they gave me a bonus, and sent a letter stating they hoped I would tender for contracts with them in the future. Another freelance I know was not paid in full, and told in a letter from the company his pay was docked for failing to fulfil the contract, and he would not be we
  19. Well over ten years ago I had a credit card with Littlewoods, it later became The Associates, and then Citi Financial. During this time I was seriously ill and my income ceased. It was then put on an instalment plan, and sold to Hillesden Securities Ltd (HSL). In 2008 they obtained a CCJ. Due to poor health I did not challenge this, but agreed to continue paying it off monthly, exactly as before. HSL failed to supply, on written request, any statement or explanation of how the alleged balance was calculated. Even though interest and charges were supposedly "frozen", the balance had clear
  20. Hi - I'll try to make this as concise as possible! My wife works as a nurse at a dental practice (mainly NHS patients). She returned to work this week after a weeks sick leave (not related to the disciplinary issue) and was called into a meeting with the practice manager immediately upon arrival. She was advised that she was expected to attend a meeting that lunchtime with one of the dentists regarding complaints made, which she did with some trepidation. She was informed that certain complaints had been made about her surgery whilst on sick leave, two of which she vehemently denies, t
  21. Hi all... I have a slightly unusual situation brewing, about which I'd like some advice. I've been one of three tenant's in an old friends house for the last three years. Landlord is absentee, living in another country, and I've seen him face to face for a week in the time I've been renting his property. It's a pretty informal arrangement, I pay him the rent in cash into his bank, and keep both the receipts for these and my own records. There's been no formal tenancy agreement, though he's rightly realised he ought to provide one recently and I'm pushing him to get on with it.
  22. In helping a friend to deal with her debt problems, I wrote to her creditors requesting copies of Consumer Credit Agreements. Tesco responded with a photocopy of a signed agreement for an account that is in default and being (slowly) paid under a DMP. I have read posts on here about checking the validity of agreement (interest rates, minimum payments, etc) but much of the information seems very dated. So, my question is: 'Is there any advantage in checking the validity of a credit card CCAs now and, if so, does anyone have a link or advice to help me in making the check?' I a
  23. Afternoon all, Id appreciate some advice in responding or managing a prosecution letter from SWT. The issue arouse when my partner was travelling and unable to buy a ticket on a Sunday from a small unmanned station. She arrived at Guildford informed the ticket staff who directed her to the entrance of the station to buy one. I knew the time she was arriving and had parked in the drop off/collection point. She saw the que by the ticket machine and could see me in my car waving for her to get in and the que behind. She came out of the station to tell me to move
  24. Hello All I am a newbie to the forum, but have been watching from the sidelines for quite some time I am writing about a friend of mine, as he has gotten himself into a bit of a pickle and im trying to help I got together this guy 18 months ago and we really get on well,( we plan to live together after xmas) im a single mum of 3 and he has been BRILLIANT, i want to point out that he is bi-polar, but deals with it remarkably. prior to my meeting him, he was a lad about town, and quite often ended up in trouble with the police, 20 years ago it was quite serious he ended up in
  25. Hope that someone out there can point me in the right direction as far as my debt is concerned as it's beginning to get a little overwhelming. I ran my company for almost 25 years and it eventually went bust about 5 years ago due, in the main, to massive technology changes that we weren't able to cope with - OK, I took my eye off the ball and we went down big style. For the first six months of setting up the new company, we lived off credit cards whilst trying to pay off debts from before. This mean that we were trying to take far more out of the new company than it could aff
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