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About Me


  1. Hi all, I recently CCAed all my creditors in order to try and sort out my finances finally. I have been paying £1 token payments to each, having defaulted on all over 6 years ago. I have moved house a few times since and have lost track of what has happened to them all. having sent a CCA request to Robinson Way, who I originally dealt with for a Halifax debt, I received a strange reply, returning my £1 PO, and saying that "the account is closed on our files, please contact our principal". This was written on a very unprofessional piece of paper that looked more
  2. I sent my ESA50 long with doctors letters and specialists letters to Glasgow ASC, Wolverhampton address on the 02 of May.... Called centre for health and disability assessments. They told me as of yesterday 22/05, DWP requested that my file be withdrawn from their services and returned to them... MY nervous are shattered now. Has anyone got experience of this happening or a possible reason, Naturally i'm trying to get through to DWP but it's taking me ages. Got my worried now.... Thanks
  3. Hi, I have a secured loan that I got via Ocean Finance which turned out to be Blemain (now Together). Amount £15k Term 180 Months Taken out Jan 2007 End of term Feb 2022 I have always paid , no issues or missed. Only change by me was a monthly payment date due to change of employer and salary into account. I phoned the other month to change this again to a suitable date and was told I had to pay off arrears from previous change of date years ago??!! They adjusted my monthly payment to cover the shortfall about £2.53 per month difference? I didn't change the d
  4. In simple terms when my housemate moved out the water bill wasnt paid for maybe 6 months then when it was not enough to clear the arrears. Not through avoidance more confusion and as soon as I realised I upped the weekly amount to cover the arrears asap. To my horror then a month ago I get an equifax alert showing red 4s and delinquent date for that last few months. I figured no point dwelling on it and knew it was about a week from being caught up but was still annoyed as ive spent a few years tidying my history up a bit. To be clear they were not even on my credit record b
  5. Hi, I have read allot of threads and can see how bad this company is. I signed up to the Xercise 4 Less Burnley gym online 14/01/17 I didn't have any money in my bank on the 28th as i get paid last working day of the month (2 days short) "Your first payment will be collected on or just after 28 January 2017 for an amount of £9.99 which consists of a joining fee of £0.00 and the first monthly payment of £9.99." I accept that I will have to pay the £25 admin charge + £9.99 even if I haven't even been at the gym 1 month yet! With this type of gym and now seeing what t
  6. Is something happening that we do not know about. Three people i know have said,one in Yorkshire and 2 in Lancashire who do not communicate with each other have heard strange unexplained noises from the sky. A loud humming,whining noise. Rumbling,not storms in the distance.Not tinnitus,going on for ages.A mixture of sounds. Are we chasing UFOS about perhaps.You cannot pinpoint it,it is everywhere it seems. I had better leave it there or else you may send the people with white coats to my house. Just wondering.
  7. i have worked for this company for 16 years,this is the 1st written contract ive had,i do want to leave,i am pressured to sign a contract with these following clauses : Hours of work you normally work 40 hours each week.The company reserves the right to alter working hours as necessary.as at date of issue the company is operating on a "short time" basis.you have been made aware of this and acknowledge notification and agreement. sickness Absence the company may require you to undergo a medical examination by a medical practitioner nominated by us at any stage of your employ
  8. It seems that Brighthouse or a company sending spam emails claiming to be them are using my email address. I've reported my own email to Hotmail for phishing and "my friend's been hacked and nothing's being done. I've changed my password and sign in each time but today I got one claiming to be from Brighthouse. Obviously having reported it, Hotmail have deleted the original but I took a screenshot first. Do BH know that companies are using their name in this way and has anyone else seen one? I'll happily forward my screenshot to any admins but at the moment it has my full
  9. Received a computer generated letter from Halifax stating that as my monthly S/O to pay my rent had been returned they were going to add to their extortionate profit pocket and charge me £10 for doing sweet nothing. So I looked at the online banking, to see that my S/O had been set up to pay four weekly? Strange as I had set it up to pay on the 25th of every month, I had never seen this 'four week' option in the drop down menu before. So I changed it to pay on the 25th of the month thereafter, thinking it may well have been a genuine mistake on my part? (fat fingers!) Then look
  10. I have a bit of a strange problem with Wright Hassall and was hoping to get some advice. in Oct 2014 WH started chasing an old debt (aprox 5 years old) I ignored their letters, on 24/11/14 I had a blue claim form in the post from the court. I wrote to WH and told them I thought the debt was over 6 years old and that they were statue barred from chasing it. They didnt reply within the 2 weeks that i gave them for a reply I decided to defend the claim from the court. On 30/11/14 the court wrote and acknowledged receipt of the defence. On 27/1/15 I ha
  11. Just recieved letter: "A payment of arrears of Inc related ESA amt to £41.38 has been calc from 12 Nov to 15. This paymt has not been sent as we are holding details of poss overpaymt. Arrears paymts due will be sent back as soon as poss and will tell why any money has been held back. Please cont us after 5 days etc." I'm still on assessment phase and will attend med next week.
  12. been on a dmp for 8 years now, biggest debt is a 20k loan with natwest which got passed to eversheds everything been fine (as far as fine can been with debt!) until the dmp company got in touch to say that from january, eversheds were no longer accepting monthly payments as they don't have a record of the debt anymore?! had no letters off them so dmp are wanting to find out whats happened to it did manage to reclaim ppi from them about 3 years ago for 3k which came from rbs, but atm don't know if this is good or bad news?!
  13. Hi, a couple of times I've been called (on 'private number') by men claiming to be from HMRC and they quickly qualify it by saying they're from a certain address. They usually have a forceful tone (which immediately puts me on cautionary mode) and claim have sent an email (and clarify the email address) and say that I've done nothing about it. Because the email doesn't come. Ostensibly it's about a REFUND. A wonderful refund! Lots of cash! How COULD I not have returned their non-existent paperwork! Am I bonkers? They know my address and certain details... I as
  14. I received a strange email supposedly from Lowells with a Zip file attached, asking me to open the document, here are the brief details - (the document in the zip file was a screen saver...haven't opened it up). Weird or what? As far as I know anything they have is likely to be nigh on statute barred - if not already well statute barred - and the last run in with them was over a PDL which had been repaid...they did back off then (I still have their confirmation that they won't chase). Here is a snippet from the header of the email... I have the original if somebody wants to chec
  15. Hi I was not sure where to post this or if it will be able to be answered but here goes. In October 2014 i bought a beautiful German Shepherd pup ( Male ) KC registered with KC registered name chosen by the breeder. When I bought him the breeder informed me that I must sign a contract stating that I could not allow him to bread Using his KC registered name without express permission of the breaders as they could not vouch for the females genetic credential IE she may be a bad breeding match as German Shepherds are renowned for hip displacia. My dogs parents
  16. Hi all Sadly my mother in law passed away in December my wife her only child is dealing with the estate. Unfortunately we've found she had run up large debts with catalogues and a huge credit card balance (£4,000 for someone on benefits!) It gets complicated as my wife's aunt died in October and the mother in law was dealing with her Estate and as such had her life insurance paid into her account and unfortunately she died before settling that Estate. she had a credit card with her bank and the bank are claiming all the money in her account to pay the credit card off.
  17. Has anyone else noticed the MOJ link to the 'new' National Standards cannot be found on the MOJ site anymore: http://aka.justice.gov.uk/downloads/courts/enforcement-officers/taking-control-of-goods-national-standards.pdf They can be found here (third link down): https://www.gov.uk/search?q=bailiffs Is there a reason for this, or is it just a technical blip?
  18. I am currently on ESA after getting through the dreaded Atos inquisition last year. I received a letter from Atos asking me to attend an appointment for anther assessment at the begining of december. I telephoned them and asked for arrangements for the interview to be recorded. They then cancelled my appointment for which a week later i received my new appointment date. That is just before christmas. I have just received another letter from Atos. This time telling me they have now cancelled that appointment which was to be recorded and no reference is made for another appointment in the
  19. I posted a new thread at approx 16:45. the title was court fee. when it showed up in the forum it was listed as 15:45 and the content has changed. What has happened?
  20. Hi folks, relatively new here & this is my first post - not sure what direction to take. Got a Cap1 card in 2008 and all went well for a while. Late 2012/early 2013 my work took a downturn & money became very tight. Got in touch with Cap1 & agreed reduced payments. By mid 2013, I got a job offer, wrote to Cap1 to tell them the good news and telling them that I was due to start work soon (I had been keeping them up to date each month when I sent payment). Cap1 responded by issuing a default - net result, job offer withdrawn (it was in the financial ind
  21. I have recently discovered my mum has paid off various debts of mine without my knowledge. The predominant two are Santander current account and Post Office credit card. I know my mum can barely afford this. My question is, is there any way I can recall the numerous payments as I (the person in debt), didn't make the payments? I'd like to get the money back for my mum. Obviously if I can't, I will repay her but that will take about a year and if there's a way for me to sort it direct with the firms themselves, that would be ideal. Thank you.
  22. Hi guys having some strange behaviour by Link Financial for a BC debt that is 3 years old. the time line is as follows Default issued by BC 2011 NOA issued by BC 2013 Link financial now are the renta cop, I am helping a friend with this and know the rules, so I gathered all of the paperwork and delved in to this debt, not much paperwork tbh. Next stage was to send CCA off to Link. Link return Po as incorrectly filed out, (was to BC) CCA was addressed to BC in a separate letter link say they will not send off CCA or PO to BC Link are
  23. Hi all Need a bit of advice please and I'll try and be as brief as possible. Had an issue for the last 5 years almost with a M&S card I have CCA them and they cannot show me a legal agreement despite many threats of court action and several DCA chasing me. A weird thing happened about 18 month ago when it disappeared from my credit file for about 3 month and then re-appeared under the DCA Merlin who were the ones chasing at this point. I would now like this permanently removed from my Credit File but it now looks like its only existed for 18 months so wh
  24. As far as I understand it, your credit file goes back 6 years yet my credit file shows history on certain credit agreements going back to 2005. On top of that, despite having just the one default and some missed payments for a mobile phone contract in 2008 (when I was in dispute with the company) my credit score overview says "you are currently not making all of your payments on time and are several months late in making some/all payments" even though I am making full payments. My default ends in 3 months and I've been a good boy for over 5 1/2 years now.
  25. Hi, I applied for a loan with next credit over the weekend and I could swear it was declined, but I got a message on monday saying the money was ready for payout, and on checking my bank account the money was there. Am I going crazy or has anyone else experienced this? I've checked my emails and I dont have any of the pre-contract stuff, I never delete these. On tuesday I recieved an email from Adept Credit Solutions saying they had been instructed to collect my repayment on behalf of Next Credit on the due date, that's a bit strange isn't it? why would they instruct someone to collect th
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