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  1. A family member has been sent a letter from Intrum threatening that they will consider issuing a Statutory Demand for Bankruptcy proceedings. The alleged debt is one Intrum bought which is for over £10,000 and is about 10 years old.I also know the debt isn't statutory barred in the near future. A previous DCA was sent a CCA request about 6 months ago, this was not adhered to and they said they were looking into it. Do we now send a CCA request to Intrum and a SAR to the original debitor in readiness for any proceedings? many thanks in advance for any advice
  2. Hi there, I'm new to this forum looking for any kind of advice. Important info - I passed my test on 17th March 2016 and received my license on 31st March 2016. I was sent a letter in the post on 21st March 2018 with a speeding offence (46 on 40) letter to provide driver details. I sent this back on the 23rd March with the form filled (i took a picture of this) along with a letter explaining how terribly sorry I was. Cringe, I know. I moved house on the 4th April 2018, and with not receiving anything more I thought nothing of it. (I had changed my Tax and Insurance, but not my
  3. Am going bonkers? Do I need a new Solicitor for legal advice? Our Neighbour has got a Court Order to reroute the easement. Fine it needed to be done to sell the property that is not the problem. The Order will help sale as it clarifies the issue. He is saying Planning is not needed to remove our Summer House or cut back trees. Our advice is Planning is needed we are in a Conservation Area or we face criminal offences so we need planning permission to cut back trees and the Summer House has Planning Permission and it needs Planning Consents for removal as it over 115
  4. Hello newbie here, My Husband & I have been dealing with a Debt Collection Agency SMD Credit Solutions Ltd since April to collect a Debt owed to our Company since November last year. A little background: We were owed £38k and the debt was in dispute by the company who owed us. This was construction industry dispute where we worked for contractor (2) who was working for main contractor (1). Main Contractor (1) refused to pay contractor (2) citing poor workmanship therefore contractor refused to pay us. So it was quite in depth but it was being dragged out and being a s
  5. Hi This is my first post as I am really at a loss. In February my boyfriend got caught twice within 2 weeks speeding, once 36 in a 30 and then 42 in a 30. He had recently started a new job on the other side of the city so wasn’t great with timings, not an excuse but still. The owner of his car (his mum) received the letters regarding naming the driver which my boyfriend filled in and sent back. This was in March. Then in mid-July he received a letter from the magistrates court saying he had an £846 fine and 6 points (!!!) but he didn’t read the lett
  6. I have only just discovered this site since having 8 properties taken over by LPA Receivers. I am desparately trying to find out what to do next. I read that I can make an Application to Court to get control of sales. Please is there an expert who can tell me how to word tha application? I am scared of making an awful situation even worse if that is possible!!!
  7. Statutory redundancy payments increase READ MORE HERE: https://www.gov.uk/government/news/statutory-redundancy-payments-increase
  8. In September 2016, the government set up the HMCTS Historic Debt Team as a pilot scheme to recover outstanding court fines that had remained unpaid for a period of up to 10 years. In many cases, the reason for the fines not being recovered had been due to individuals moving address etc. In March 2017, the government announced that since its launch, the HMCTS National Compliance and Enforcement Service had recovered ‘significant sums’ and as a consequence; the Historic Debt Team expanded their tracing activities to recover outstanding court fines over 10 years old. Every day I recei
  9. I signed a franchise aggreement (unfortunately) and I would like to know if the : personal guarantee`s that was included is legal, if it was not witnessed, at the time of signing, and their is no provision for a witnesses signature, is there a set format for this, and could it be deemed invalid and/or, not binding? when is a deed not a deed? Your advice would be welcome. Thanks!
  10. This post is long over due I need some help and advise as I just don't know if I can take this stress on my shoulders any more despite having a loving caring family and the shame that this will bring on our family. April last year I received a letter from HMRC compliance asking me to contact them re Self assessment return for 14-15 as they wanted confirmation expenses claimed, at the time I had been employed as a sales manager and had to take clients out a lot and they often refused to sign off expenses so I just put them through on my tax return as I thought that I coul
  11. I have received response from Capital One upholding a PPI complaint. However, although the figures are fairly small (they suggest PPI Premiums paid were £157), the amount of compensation offered does not (in my opinion) take into account the age of the 'issue' (account closed 18 years ago!). Am I correct in suggesting that statutory interest compensation should be applied at a rate of 8% per annum (simple - not compound)? Tried the calculators in CAG library but links don't seem to work! Had similar concern with a couple of Barclaycard complaints - upheld and compensat
  12. Statutory intervention in Wellhouse Housing Association - June 2017 Can be downloaded here: https://www.scottishhousingregulator.gov.uk/publications/statutory-intervention-wellhouse-housing-association-june-2017
  13. Greetings. Making a PPI claim on an old loan that was repaid in full. Wondering if I succeed, will the original creditor be allowed to use this to offset an outstanding (statute bared) debt (overdrawn current a/c and assume the original creditor still owns the debt). I noticed post #4 by dx100uk and specifically in bold: "if the original creditor still owns the debt then they can offset but not the 8% stat int part of any refund." in this thread: http://www.consumeractiongroup.co.uk...BC-credit-card I've seen on the FOS website: compensation for being deprived income e
  14. Hi All I am looking for some independent advice, before we get too involved with solicitors. A distant family member has died intestate age 30. He was living with his unmarried partner and mother of his 6 month old child. The only asset is a house valued at c £120k. It is my understanding that this will follow the intestacy rules, with the house ending up in this statutory trust until the child is 18. Who appoints trustees? What happens next. The mother now will be on benefits. Does the trust charge the mother rent, or should she live rent free whilst looking after t
  15. I just got a letter from Metropolitan Collection Services of Coventry. They're pursuing an overdraft I had with HSBC. Last activity on the account was I think December 2010. Shortly after they withdrew the overdraft cos I wasn't paying into the account regularly. The debt is now in the region of £1250. I'm on benefits here and I can't afford to pay this of in a way they'd find satisfying. They have also floated the possibility of taking me to court in 'the country where you live.' Anyone got any advice on how I might call off the dogs?
  16. Early last year my husband received a county court summons for £11,500 for a credit card debt sold on to a DCA. He replied and defended the action on the basis of the limited information on the summons and that he was awaiting a reply to the CCA letter sent to them on the day the summons was received. He never received a copy of the CCA, just a letter from them saying the debt was no longer enforceable and they could not proceed any further through the courts, but would he please call them to discuss a repayment plan. They also promised to forward the copy of the CCA.
  17. I was served a statuory demand by BWlegal/Lowell on behalf of Barclaycard on 10 December 2012. The debt is disputed about the CCA - which I have copies of the dispute. I have a letter from BC acknowledging my dispute and they sent me a photocopy of their T&C but no agreement, nothing with my signature etc, so i disputed the debt again. They sent it onto Cavells and they tried pushing for payment and I sent them a "in dispute so send back to BC letter" which they did and nothing further was heard from them until the stat demand came. The stat demand put my local court
  18. I have involved my local environmental health and the housing ombudsman regarding an issue I have with a neighbour from hell who is severely mentally ill and lives directly above me in a flat. I am in a flat below him. The problem is that he lives in squalor etc and has also broken a few windows in his flat that are very dangerous .Also there is serious asb issues . Anyway to cut a long story short , both the ombudsman and the environmental health have written to my landlord telling them to repair these windows, but for 8 months now the landlord is still saying they cant gain access to repa
  19. The following story has been heavily reported in the media this week: A 20-year-old student has been fined a staggering £562 for a £2.20 journey after she was caught with the wrong ticket. Parys Lanlehin was caught using a return train ticket on the wrong day - and going in the wrong direction - on June 4, 2014. The University of Nottingham student was issued with a £20 penalty ticket on the Nottingham to Beeston train, but the court heard it was never paid. Lanlehin, of Walthamstow, London, then signed a declaration stating she was unaware of legal proceedings taki
  20. Story so far: Three days ago I received a Further steps notice from Thames Valley Magistrates saying I owed £922.50. I had no idea what this was about, but discovered (on ringing them) it was for non-payment of car tax (or driving an untaxed vehicle, it's not clear precisely). This was a total surprise as I thought I was taxed and up to date. However, it turned out I had indeed forgotten to pay (18 months ago!), and what compounded it was that I moved house (Dec 2014) and didn't update my log book. (I did update the address on my driving licence, and didn't think I needed to do anything
  21. Hi All, new here but been a reader for years. This is complicated and im out of my depth. A couple of years ago my long time friend had problems with business and life, (approx 4 to 6 years ago.) His business went into liquidation and his marriage broke up all at the same time. He came to stay at my home for about 8 months while he sorted himself out emotionally having no where to go. When his business failed he had a personal guarantee for the overdraft on his business. ( this was a gray area for him because at the time he stated he wasnt sure if he did or not) more one this
  22. Hi This is my first post so thank you in advance for any advice Briefly, last week I received a Statuary Demand from BWlegal and I have a genuine dispute with the creditor (errors on the credit agreement) and I also believe the debt is now stature barred. The loan was taken out in 2006 and the dispute I had with the creditor was upheld by the Financial Ombudsman. I want to apply for set aside and understand I have to fill in forms 6.4 and 6.5 but I have no legal knowledge and cannot afford a solicitor, could anyone help me with the wording for the Witness Statement? The demand was ha
  23. Hiya all, Found out yesterday my brother has had a statutory demand for a debt he has totaling £12,250 He is unable to pay it in full and has no assets- he rents and has no car etc and has no savings - highest value item is his TV at £150 value so nothing of value to wipe the debt off He has done a SOA and that shows he can afford to pay £300 per month which would clear the debt in 40 months I am going to help him write a letter tomorrow proposing this as a repayment plan with a SOA to see if they agree to a plan instead- is it worth me copying his rental agreement/ bank st
  24. hi everyone just when i thought i had dealt with the last stat demand and their subsequent failed court action i have just had a 'appointment letter for statutory demand' posted through the letter box. they say they will return and serve it. there are no details of the debt or creditor on the letter at all. i therefore will have to wait and see what it is for???
  25. Hi, My 75 year old Mam bought a laptop from Argos on 9/2/2015 via their own Store Card, she only used the laptop twice and due to family reasons has been away from her home for a few month. This week when she tried to use the laptop again it will not boot up at all, either the laptop shows the message "Toshiba diagnosing problem" and the screen hangs and the cycle starts again or it requests a HDD password. I along with my Mam took the laptop complete with original packaging and the receipt to the store where it was purchased and that's when the fun began. The 3 staff who eventuall
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