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  1. Hi guys massive advice needed. I'll try and get to the point but this is so complex you would not believe. Split up from wife in Jan 14 moved out she stayed in house due to the 2 kids. Morgage solely in my name. Went on credit report Nov 15 due to not being able to get a overdraft credit card or add a tablet to phone contract. Couldn't access it for weeks due to many factors one my own fault did no realise I wasn't on electoral roll. When I did get on it there was quite a bit of debt not a huge amount but things I knew nothing of. Signature forged etc.
  2. Hi, TL;DR version of events: I received a SJPN. I believe I technically am guilty of the charge, but had ignorantly committed the offence out of sheer financial desperation, having had no money and just started a new job. I'm desperate to avoid a criminal conviction. I contacted TfL's IAP to apologise, explained my circumstances, and I provided proof for everything possible and asked to settle this out of court, and that I'm happy to pay the necessary fine. Today they finally responded - with a very generic response to say they wish to proceed with the case... However
  3. Hi All, I am taking a company to court for damage to a vehicle I own. The defendant has defended and made a counterclaim. I am at the stage were we have recently exchanged witness statements and a court hearing has been set. Looking through the witness statements they are made up of lies throughout by two witnesses. I received these statements on the final day they had to be submitted and I am unsure if I can make the courts aware of their lies. By lies I will explain, I am being counter sued for a certain amount, an invoice has been sent to show the cost of damage that they s
  4. Home Secretary statement on the use of DNA evidence in immigration applications READ MORE HERE: https://www.gov.uk/government/speeches/home-secretary-statement-on-the-use-of-dna-evidence-in-immigration-applications
  5. I am trying to help someone who nobody really wants to help. There was a case of criminal damage Where this person involved was arrested for criminal damage to a house. On his barristers advice he admitted the damage and was sentenced. It now turns out that the complainant misled the police and also the star witness's known personally by the complainant has also pulled a fast one by misleading the police. How can this be brought to the polices attention as the person prosecuted is sure damage was caused on purpose and blamed on them. How do they go about notifying
  6. Hello all. Firstly, as a first time poster I just want to say how useful this forum is, so I’m hoping you’ll be able to help me out too. I was recently stopped by a Southern Rail inspector. I was travelling on a packed commuter train and (although many of you might think this is an excuse) I suffer from really bad foot pain, which I have been to the doctors about, and sat in first class as I was in real pain. In hindsight, I shouldn’t have done it. I should have asked someone to get up for me, but being a young guy I doubt people would have taken me seriously. I spoke with the c
  7. Hi Folks, This is my first post on this site so I apologise if I haven't posted in the right place or if I don't use the correct terminology! I will do my best. Also I a big thank you for all the great advice! I have two issues I'd like some advice on but I will deal with them separately. 1. In January 2013 I received CC papers issued by a solicitor acting on behalf of Nat West Bank claiming I owed a total circa £7000 including legal fees and costs . I had defaulted on a personal loan (£1500 outstanding) and I had become unable to service my overdraft (£5000). After taking
  8. I have completed an N56 Statement of means form for a debt in my name. I have a letter from Restons stating that they note I am married but have detailed no income for my spouse and to fully assess my offer of repayment they need to have sight of the whole household income. Is this true? The debt has nothing to do with my husband. I should also note that the court has thrown this out as I am self employed, earning little or no income.
  9. Today I received in which looks like usual fob off letter from barclaycard rejecting my initial claim for unfair charges totalling over £240. All my charges were for £20 and a one-off charge of £40. In their letter they state that their charges of £12 are in line with their actual and estimated costs etc and are printed on back of statements each month. What next - do I reply mentioning the above statement and what I have been charged ? Thanks for any help
  10. Hi everyone, hoping to find some urgent last minute help in this wonderful community ------------------------ Hello everyone, Only just joined the community, but have been carefully following few threads to help with my personnal situation. So far it has been a priceless source of information and I hope to seek further help! I have my court hearing this coming Tuesday at 10am - here is a timeline of events: - Vanquis Agreement dated 05/08/2010 - Last payment made to Vanquis on 30/12/2011 - Notice of debt received by email from BW Legal/Lowell on 13/
  11. Statement on Ofwat and rebuilding public trust in the water sector READ MORE HERE: https://www.gov.uk/government/news/statement-on-ofwat-and-rebuilding-public-trust-in-the-water-sector
  12. In Schedule 6, CCA regulations 1983 is says Credit limit 3. Agreements for running-account credit. A term stating the credit limit or the manner in which it will be determined or that there is no credit limit. On the agreement/ photo copy of the application form, it does not state a credit limit, it just says, we will tell you your credit limit? Which I still don’t know what the opening credit limit was. but never the less, does this comply with term above (or the manner in which it will be determined? section.
  13. Cannot seen to find a template for outgoings and income to produce a financial statement in excel. I may have been looking in the wrong area but if someone has one or can point me to one it would be appreciated thanks
  14. Charity Commission statement on Oxfam READ MORE HERE: https://www.gov.uk/government/news/charity-commission-statement-on-oxfam
  15. Charity Commission statement on Motability READ MORE HERE: https://www.gov.uk/government/news/charity-commission-statement-on-motability
  16. They ask me for 3 months regularily, just had one yesterday for a rapid reclaim as I was working for an agency for 2.5 weeks and was subsequently let go. The requirements for JSA, ESA, Universal Credit is that you to have less than £5000 in the bank otherwise the payment will get reduced. If you have over £16,000 then you will get nothing. Therefore the reason they ask for fully itemised bank statement to assess your entitlement is invalid. You can filter your statement in many different ways with any online bank so only relevant information is provided, but the DWP say
  17. Good afternoon! My husband has received the above two documents (I am hopefully attaching redacted scans to this post) and, as he's currently in hospital, I need to try and deal with them in his absence. I presume we should respond in some way, although I'm not totally convinced that this debt is his - he says he doesn't recall taking out a credit card with Home Retail Group. I certainly don't want to phone them or email them! It's clearly not statute-barred, as it dates from 2012. My hubby says that he can recall getting "some guff or other" (
  18. Hi all New user finding his way around the forums, so apologies if I am in the wrong area here! I have a Tribunal case coming up against a former employer, and they have requested an 'impact statement' about my disability which needs to be submitted this week. I wondered whether anyone has access to a template of any kind that I can work from, as I have no idea where to start? Any help or tips would be greatly appreciated. Thank you
  19. Would someone please kindly point me in direction of some recent schedule of costs examples for circumstances like this? Thanks
  20. My first post here, I think this is probably the best place for it. I witnessed a collision between a pedestrian and a bus around 18 months ago. I have now been contacted by investigators working for the solicitors for the pedestrian asking me to provide a witness statement in person. I gave a statement to the police at the time and subsequently in writing to the bus company, plus a brief response to the pedestrian's solicitors about a year later. I have no wish to be involved any further, and in particular I have no desire to help the pedestrian and his ambulance chas
  21. Hi Quick bit of advice needed regarding filling out financial statements which has been requested by my ex local authority. Basically we have outstanding council tax debt with North Herts Council from around 6+ years ago. they got a court order and we was paying this off at £20 a month which we agreed with them. About a year ago they decided that they wasn't going to accept £20 a month any more and wanted £40, well we told them this was unaffordable and payments ceased. This has now escalated to Bailiff levels so we contacted the Council to say we weren't going to give the
  22. Thanks for the info. I have a letter from them about a 16k debt. They are threatening to repossess my house. Should I follow the instructions above in regards to a SARS and the CCA Request? Should I refrain from calling them? Thanks
  23. Hi everyone. I hope your all ok �� So last Saturday I rung up HSBC to order some copy statements for Closed Current Account 2004-2015 and Cash ISA 2010-2017... She told me there will be a charge (Didn't tell me what the charge was) and it will take up to 40 days for the statements to arrive but will more likely be 5-7 days and can only order from 2007 I accepted the charge and gave her the account details of an account I wanted charged... On Monday rung again as not been charged yet, another lady said it's free as you don't have HSBC current account and you will get stamen
  24. ABTA Data security incident March 2017 READ MORE HERE: https://abta.com/news-and-views/news/data-security-incident-march-2017
  25. Hello, I started a small claim in court against my landlord a few moths ago... Today I received the "Notice of Trial Date" (Form N172), that says I have to pay a hearing fee. Something I already expected. The problem is that I don't know exactly how to do that and there are no instructions in that letter. Do I have to send a cheque to my local county court (where the case was transferred)? Do I have to write a small letter saying that the attached cheque is for the claim number XXXX? I don't find related court fees to this step. BTW, I remember in the process, weeks a
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