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  1. Hello! Cannot believe I've only just found this website! I realise there's many threads but none quite about my stage... My debt is a $12k Aus Credit Card from last year. They emailed and I ignored then they called my work relentlessly until I was taken into a HR meeting about it. They also called two people from my Instagram (one I didn't even know personally). I've since privatised all my social media. I emailed them a massive complaint detailing every ACCC breach and gave them my email and number. They replied to my complaint last week addressing onl
  2. Hi everyone, I moved into a rented house June 2018. Recently I received my first water bill, and it shows me that my average use was around 600 litres of water a day. So the amount to pay is £186 (for 2 months - June and July!!)!! That is a complete nonsense - only two people live in the house, and we don't use water more, then anyone else - we never leave the taps open when not necessary, never take shower more than literally 3-4 minutes. But here comes this bill... Thames Water acknowledges that the amount of water consumption is really unusual . They sug
  3. 5 months into a 6 month AST, they are over 2 months in arrears. LL knocked on the door last night and the house is empty. All of their stuff is gone. Tenant unresponsive by phone has blocked numbers etc. Questions: 1) What to do about what seems to be surrender of tenancy? LL obviously wants to get in asap clean up and re-let, however I think ti is not as easy as that? I "think" that if we can get tenant to sign a "surrender of tenancy" form then that covers it? But I am unsure. 2) I assume small claims to recover the monies owed?
  4. I have received a letter today from Latern (formerly Motor Mile Finance) about some old short term loans from around 2012. This really is out of the blue, I've heard nothing from them for as long as I can recall and this letter was actually sent to my previous address but was re-directed. It is quite a jovial letter, it reads "So, dust off the BBQ, enjoy the sun and take this opportunity to clear your debts before winter approaches". They're offering up to 60% reduction. This is a summary of the debts: Quick Quid £512 - Last payment date: not shown Northway £838.88 - Last payment
  5. Government outlines next steps to make the UK the safest place to be online READ MORE HERE: https://www.gov.uk/government/news/government-outlines-next-steps-to-make-the-uk-the-safest-place-to-be-online
  6. I had a court decree for a credit card (approx £6000) I used for expenses in a business that went bust It did not get paid back in approx 2006, Just checked my credit files with all agencies and nothing showing up, must be more than 6 years ago. I get letters from a solicitor every few months asking for a payment or they will enforce the decree. I have never responded to any of them as I have no income, no assets and no means to pay, Over the last 6 years they have sent debt collectors/tracers to my home 4 times and all have been told the same thing re my circumstanc
  7. In the main area of the forum a few days ago, a debate took place regarding a question from a member of the public regarding a letter that he has received from a firm of bailiffs in relation to a Liability Order granted 6 years earlier. The OP wanted to know whether the Liability Order was statute barred (which it is not). Another poster advised that a complaint to the Local Government Ombudsman should be considered and that the LGO may likely make a finding of 'maladministration'. The following two LGO decisions would indicate that a complaint to the LGO would not amount to 'maladminist
  8. I’ve started a small claim against a builder to recoup money paid in advance for work not done. I’ve sent two letters as per process and he disputed the claim, saying the money paid in advance was put towards cost overruns on other work he did for me. This was not agreed with me in advance. I’ve since hired another builder to complete the work not done. Now legal action has been launched he has decided not to dispute the claim. However, rather than acknowledge the claim he has contacted me directly to say he is selling his house and he is willing for me to have a charge on the property to
  9. I've been getting inaccurate roaming data on my Vodafone bills since February. The charges are correct but the itemisation is wrong. The bill lists countries I never went to. I've complained to Vodafone and they said since bill amount is correct there is nothing they can do. They don't control the roaming itemisation (despite me roaming on a Vodafone overseas network). So I filed a complaint with the ombudsman and they agreed with Vodafone. I have been offered £60 as compensation for the inconvenience and the fact I was not informed I had the option to go to the ombudsman but, on the subs
  10. George Osborne today announced he is quitting as an MP but will carry on “fighting for that Britain I love” as editor of the Evening Standard. In a letter revealing his decision to Conservatives in his Tatton constituency, he said he was thrilled to be taking charge of “a great newspaper”. The former Chancellor, 45, made plain that he intends to stay active in political debates on issues he is passionate about. And he hinted he could make a political comeback in future, saying he was leaving Westminster “for now”. Stepping Down-Quitting all the same to me. http://www.standard.co.uk/
  11. Hello everyone at the CAG forum, this is my first post here. I'm hoping to get some advice with Marston / Collectica after a bailiff visit today. I wasn't home but they left a hand delivered Final Notice. Let me give some more information; I have a Further Steps Notice from London Collection and Compliance Centre dated 18th November, amount owed £580. I did not open and read this letter until yesterday. Around two weeks ago I received a Notice of Enforcement Distress Warrant from Her Majesty's Courts & Tribunals Service, it stated the debt was £580 but now £660
  12. I am currently receiving ESA support group which i appealed over a year ago and won. I have recently moved back to my mortgaged home ( it was empty due to pending repossession process), I am currently pregnant but we are not together, we have never been in a long term relationship, he has his own property and doesnt live with me, he will pop in on occassions to check how the pregnancy is coming along, we dont get on and know that being in a long term relationship just for a child would not work. The DWP advised that an allegation has been made that he lives
  13. Hi guys. Catalogue debt (applied online in 2005) of £4000 when defaulted due to personal circumstances in 2013. Been with Capquest since. Was paying after agreement but, after receiving a 'you have not paid we will take you to court' letter 6 months into (the fully honoured by myself) agreement I stopped paying and challenged them. Since then heard nothing until recently. Sent CCA but received a reconstituted agreement (typical no sig/dodgy T&C's). Now debt is showing at more than 5000 than original default sum on credit file! Question: what is my next st
  14. Hi, apologies if this is the wrong place to post this but just thought I'd ask for some help. A few weeks ago I was referred to Steps to Success (N.Ireland) with Ingeus being the provider. Having heard bad press about them I Google'd a lot and came across this great forum. The massive Ingeus thread was a massive help and calmed my nerves and I've saved a bunch of information from it such as Freedom of Information posts, operational guidelines from DWP, etc. giving me more confidence on how to deal with them and not be bullied into doing anything I don't have to do just so they can earn a
  15. After some advice and any feedback from anybody who has needed to seek a court order to have their data ceased being processed. I have issued a S. 10 notice that was delivered by hand to the director of a small company, they have so far attempted to involve a third party to put pressure on me to back off but have failed to abide by the notice. I have also sent a Subject access request which I am expecting them to ignore as well. Being a small company this could just be down to not knowing what to do etc however I am now in the position of having to decide
  16. I have a CCJ hearing on Wednesday about an outsanding "finance gap" debt after repossession of a vehicle last year. Would be grateful to hear of relevant precedents/case law. I bought the vehicle under an HP scheme, transferring in a part-ex finance gap from a previous car. Payment problems after loss of business caused me to default and the vehicle was repossessed last October. Court date is Wednesday. My initial defence was that the price they gave for the auction figure cannot be sufficient, that it is unjust to take their word and they had produce
  17. A friend received a final steps notice (FSN) from their local Court 2 days ago. The text asked them to contact the fines Officer to sort the non payment of fines out. This was passed to me to assist with. I called the Courts this morning, the conversation was as thus. Fines Officer: (FO) your account has been passed to Marstons for enforcement we cant help. Me: Ok then please can you arrange for the defaulter to be put in front of a Magistrate to hear a means enquiry hearing. FO: Why is that? Me: The defaulter wants time to pay but cannot make an SD as
  18. Hello I bought 20 toys from someone on ebay. We arranged a sale outside of the auction site as I only wanted 20, rather than the 50 the seller was selling (as a bulk lot). They cost about £100. When they arrived, one toy was completely different to that of the agreed list. I notified the seller straight away and they said they would look at their stock and get back to me. They never did, I started a PayPal claim for £5. The seller then emailed me asking why £5, I said this was the price paid, divided by the amount of goods bought. The seller d
  19. Dear forum members, I'm looking for some advice on the next steps I need to take with two companies, Robinson Way and Capquest. I have three debts, two with Robinson Way and one with Capquest. The two with Robinson Way are Welcome Finance and Barclaycard and the one with Capquest is Royal Bank of Scotland. All three of the debts have been ongoing for approximately six years and some payments have been made to all three. They have been passed around several DCA's during their existence. And, regrettably, I have often ignored them. However, after the rece
  20. I looked at the Daily Mail online site earlier and thought to myself whether i gained anything positive from my visit. Most of the articles are celebrity gossip or are promoting products or promoting interests of the Daily Mail. The Mail was once a great campaigning newspaper, with some really good journalism that uncovered information, that was useful to consumers or society. But recently i have found that the articles on interesting subjects are no longer there and have been replaced by celebrity rubbish and general news which is not often factual or interesting. Positive step to remo
  21. Good afternoon, Having just joined the site I wanted to introduce myself. I've just turned 35. Am married with 3 kids. This is important because I nearly lost them. I am a recovering compulsive gambler. This isn't seen as an illness to anybody except another compulsive gambler. My last bet was march 2014. I actively attend GA meetings to prevent relapse. Its taken me this long to rebuild trust in my family. My life is miles away from the despair it was in when I gambled, but I still have evidence of my problem in the form of a mountain of debt. Although
  22. I didn't want to hijack the thread I started responding to (Which is where information can be found concerning my unfortunate experience with a HCP Physiotherapist.) I'm opening this new thread to put my voice out there for others to see how the new Ingeus 'steps to work' programme doesn't seem to be working for people who are medically unfit. So after the Physio said she couldn't work with me because I refused to sign the consent form for her to not only store my assessment but to provide my consent for a number of other things I went back to the Employment advisor who said nothin
  23. Hello, I just received this through the post. I honestly have no idea what it for but looking at the amount it seems old. Can someone advise what I do next. [ATTACH=CONFIG]57560[/ATTACH]
  24. Hello all, Sent separate CCA requests (recorded delivery, have sigs) for separate pre-1998 loans bought by Erudio, and no response in the 12+2. Haven't yet deferred, though will easily qualify, but the deferral period is up in next few days. Having read through all the recent related threads, I'm still not 100% sure on what's best to do (or not) next: Do I... 1) Wait until they contact me [in writing] - whether that be to respond to the CCA requests, or to tell me I am not deferred and need to start paying - and then take it from there? 2) Send in the def
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