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  1. my credit score had plummeted. I used Clear Score to do a bit more digging recently and found a CCJ for £316 in April of this year. I am now assuming this is some sort of PCN for the same car, after I had sold it. This is very stressful for me as I already suffer with anxiety, currently have a 4 month old baby and have a mortgage. I know I cannot defend myself against the CCJ by applying for a set aside as they will just argue that the whole situation is my fault. My question is, has anyone ever been able to negotiate with the original creditor? I'm wondering if it
  2. I wanted to share my story. I had my eyes tested in February with the intention of getting some varifocals fro all day use as I am both long and short sighted. When I went to pick them up at Specsavers in Stratford Mall East London I found that I had to turn my head a lot for lateral view and the reading sight was too low in the lens so I was looking at my nose to focus. The shop tried to tell me that I needed to get used to them however it was too extreme especially as I paid for the elite or tailor made lenses which cost me a lot more. They said I should try them out so I did but it did
  3. hello everyone. I am in deep mess with harlands, due to automatic membership renew. i joined Bromley Self Defence in May 2013 with my son. Monthly fee was ridicules but because I was attacked carjacked few months earlier I would pay for anything that will restore confidence and ease the stress. I paid monthly £80. anyway I have signed the contract. from what i understood i was tied up for 6 months, but after 8 months I realized that they keep charging me. at that time me and my son didn't attended classes anymore. I cancelled my DD and start receiving letters from Harlan
  4. My ex employer (LTD Co) has found a novel way to avoid the companies debts. The director dissolved the company while still trading, without informing employees, or any other creditor, until after the strike off. Redundancy notices were issued, but now the director is trying to avoid paying. any suggestions welcome. Thank you!
  5. Hi, I have read quite a few stories on here which has helped me in writing a formal complaint letter to the CEO Les Matheson and also CC'd to Customer Complaints but i have a funny feeling I am going to have to take my case to court. My story is below.. (I can email my letter that i have already sent to the bank to anyone who is willing to give me some advice or post the contents on the board if needed.) Story: In 2014 3 different cheques of £4,000 odd were paid into my NatWest account. They all was sent back to me at my home address where the bank had let me kn
  6. I have been a member on here for 11 years give or take a month or two. When i joined i worked for minimum wage at a bacon factory in Blackpool, it was an ok job, i enjoyed it, but the money was very poor, i was in debt, paying the bank in late payment fees every week, switching banks due to owing money etc, Constantly playing catchup with car finance. which was £50 a week!! i was in a right ole pickle, i had 3 kids a wife and a dog, lived in a rented home. only benefits we claimed was Child benefit and WTC In 2006 i heard about the bank charge reclaiming that was go
  7. I thought this little bit of history was interesting Read more : - http://cag.tw/22rr
  8. In November? 2015 a solicitor sent us a letter telling us we owed them money. A bill arrived in March 2016 which contained no specific details. They were claiming that they'd done work for our family. We had not contacted them previously or engaged their services. There was no contract between them & us, verbally or in writing. So obviously, we've not paid the amount they claim we owe them. There is a little background to this. In 2012 the county council were involved in an incident with my mother in an attempt to frame me. They used this 'investigation' as an excuse to remo
  9. Hi all, First message on this forum, I thank you all for the answers you provide to other people in various topics, it already helped me a lot. Long story short, I was caught for shoplifting at a Sainbury's. I complied, store security took my name & address and issued me a banning letter. So far so good. They also called the police, they provided them with my name, DoB, address and a physical description. We waited for them for about 20 min and the police station eventually called back to say that they had more important stuff to deal with at th
  10. Hi so back in 2005 my wife became ill and had to stop work for a while and we entered a debt management plan, we still owe about £20 000 mostly credit cards but also studio cards etc over the years we have moved a few times but carried on paying payplan, the last few years we avoided our annual review but carried on paying. we have been at our present address for over 2 years with no contact from our creditors for years. payplan have emailed a couple of times say some of our creditors want our address but we havnt replied our credit reports are clear with scores of 536 with
  11. Hi in 2009 i had personal problems and got into financial mess. I went overdrawn on bank account and took out many many payday loans. I was taking out loans to payback loans. After putting my head in he sand for many years i decided to sort finances out. I complained to each of my lenders on grounds of irresponsible lending and here are the results Wonga 5 loans £1000 outstanding written off due to technical error? Quick quick 16 loans many rollover £1000 written off plus £250 compensation did take several letters before agreement Payday express 2 loans £1200 written
  12. Car Boots.-My experience so far-observing people talking and buying and selling.Four weeks now and still going but have learned a few lessons.And boy have i had some fun. And met people you would not believe perhaps to meet with many tales of the unexpected which i prise out of them. Well anyone who reads some of my threads it does not take long to realise old Tawny sometimes struggles a bit with today's modern world where things seem to cost so much. So tries anything to make a few quid.Many fail but some work if only for a while. Money is needed for the most basic things.
  13. I have been harassed by a neighbor because I wont be his friend. I am from a domestic violence background came out of a refuge and I am an attractive woman in my 20s with mental health issues of anxiety and depression (also recently diagnosed with PTSD due to current events) The HA placed me between two older men, this wouldnt usually be a problem but they both became obsessed with me. I had to tell both of them to please stop knocking on my door, I am private. This is when the false noise complaints from downstairs firstly came however I wasnt the victim because he was elder
  14. Hi everyone, I'm just new to this and have never been able to talk about what I've been struggling with so want to start by writing it all down and getting it out of my system. I know it's a long story but support is really all I'm after right now (and any experienced advice!) . I'm 19 years old, Male, A student and I work part time. I've previously worked full time and had good paying jobs and didn't have a worry in the world until I turned 18 and had my first "offer" letter from a credit card company. I applied, and was rejected. Then I got deep into the inte
  15. Hi all, Just in case any one is looking to make a complaint about irresponsible lending to cash convertors- I was helping a friend, follwing advice from here- and I have to say, they are the easiest company i have dealt with so far. The statement of accounts was there within an hour of requesting, and following an email complaint on Thursday, a final response has arrived today, with an offer of almost £1500. She is more than happy with that figure, and looking at the loan history, although she has paid more over the years, I really dont think she would do much better with FOS,
  16. Cleaning Jobs. Well old Tawnyowl decided due to one of my entrepreneurial adventures not moving fast enough yet to pay all the bills to do a little work in the evening. Not in perfect fitness but can graft flat out for a few hours before tiredness creeps up. So thought to myself i know you need work in the evenings or early morning,you will become a office cleaner owl,that is the answer to your problem. So managed to find one,negotiations were held,prices set and went for it. I work with another person in this adventure who is far more experienced than myself. Has been a caravan
  17. Took my complaint to FOS for irrisponsible lending after Fancyapayday rejected my complaint - FOS upheld my complaint - removal of 5 out oof 8 laons from my credit file, refund of all loan fees, charges etc plus refund of the £700 they took from my account using a CPA. So thats around £1500 refund fancy will probably escalate to the ombudsman, lets see what their next move is
  18. I took out 16 loans with 247Moneybox over an 18month period starting back in 2011. All but one successully paid back, the last loan I defaulted on. Usual story, started out with 1 PDL then had to take out a new loan at the end of the month to cover shortfall then another loan with other PDL companies. So I complained to 247 re the amount of loans provided and asked that all loan fees etc be refunded and the default loan to be cleared using monies from the refund. They said nope, we were responsible lenders etc etc. So off to FOS and FOS have upheld my complaint so am now expect
  19. Man rescues fox and finds his new best friend (VIDEO) Read more at http://www.dogheirs.com/george/posts/1632-man-rescues-fox-and-finds-his-new-best-friend-video#iZpGPJDHBpTUi9hk.99 There are two videos,one showing Foxy boy having his bath and being blow dried. Likes looking his best. A day in Foxy Boys life. Jack he is called. I have taken quite a liking to Jack the Fox and his owner. Feel free to post pictures of your best animal friend.Pet or wild one you have befriended perhaps. Then anytime you like you can come back here and remember your friend. Days,weeks
  20. http://www.thisiswiltshire.co.uk/news/13630865.Westbury_mum_fighting_back_against_incorrect_parking_ticket_at_St_Stephen_s_Place_in_Trowbridge/?ref=rss Would need to see the appeal wording but on face value a quite astonishing judgement by POPLA...
  21. I know i am, it's not just because it's about people claiming benefits, but all the inaccuracies contained within these programs, the one on channel 5 about benefit cheats, is the latest, a Liverpool lad , claiming what was described as sickness benefits ,for PTSD told the undercover reporter that he was getting a total of £1,500 per month ,inc DLA , I find that very hard to believe, which makes me think of those IDS and his sanctions work leaflets that were based on lies , Also are those that are cheating the system really that dumb that they will boast to someone they hardly know abou
  22. Hi, been reading a few different threads about this and in a similar pickle, took some tips from some of the great replies but just looking for what anyone thinks I could do next. Took out the 9.99 12 month contract in January 2014, this subsequently rolled over and I thought as it's now just a rolling contract, I'll cancel the direct debit, seemed to get the standard letter from Harlands, owe £25 admin fee. I sent this email "Dear Sir or Madam, I refer to your letter of 11 August 2014. I have attempted on various occasions over the past week to get in touch with yourselves ov
  23. Dear CAG, I have had similar issues as other forum members with LA Fitness engaging ARC Europe to chase for 'debt'. I received a number of letters from LA Fitness claiming I owed a months membership, then two, then that they were referring the issue to an outside agency. In fairness, I ignored this as I knew I did not, and had followed the cancellation policy correctly. Eventually I started receiving phone calls, text messages, emails, letters, and voice mails from ARC. The initial phone call I answered as it came up as a mobile number and I did entertain a couple of other calls to n
  24. http://www.consumeractiongroup.co.uk/forum/showthread.php?446548-Re-How-to-defend-against-a-charging-order-for-council-tax-%283-Viewing%29-nbsp
  25. It is really worth reading this story linked to here http://www.independent.co.uk/news/business/news/maxherve-george-the-man-fighting-a-merciless-legal-war-against-insurance-giant-aviva-10168427.html Aviva are going to have to come up with a deal that is going to cost them a lot of money.
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