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Found 25 results

  1. Hi there For nearly 2 years I have had a complaint about my mortgage company with the FOS. My mortgage company were preffered, then accenden and now engage- (although I settled the mortgage on April 2011.) My complaint was mainly: In 2009 after being made redundant I fell into arrears, 3 months worth. I made an arrangement with them and was told as long as I stuck to the arrangement no further action would taken. some months later I checked my credit profile on Experian and they had marked my mortgage account as being in default. I was never sent a notice of defa
  2. Hi, I have received CC papers for a debt owing to Moriarty Law on behalf of MotorMile Finance. The total amount is for £350 for a loan taken out in 2013. I have sent in a defence saying that I do not recognise the debt and requesting further information. I have received a letter from Moriarty Law with photocopies of their paperwork. I now have a mediation appointment booked for next week. I am worried because firstly I have never been to court before and it scares me. Secondly, the paperwork does not look correct. The signature in the box that I am supp
  3. Hi everyone, I hope I have the correct forum I need help with a debt relating to management charges on two apartments. On the 24 February 2014 Northampton County Court served us with papers in respect of outstanding service charges. A1111111 name of apartment one in the amount of £3752.01 A2222222 name of apartment two in the amount of £3812.03 We challenged the figures sought by the managing agents and their solicitors, advising the Court that we had never received (and still haven't) statements of accounts. We agreed we owed service charges but believed the figur
  4. Last October, my then landlord compelled me to leave this property by threatening to ‘make your life hell’ if I stayed, as he was unhappy about me threatening to pay my final rent with part of my unregistered deposit. I loaded up my car with some of my belongings, gave the landlord back his key (as he'd threatened to change the locks), and agreed with my landlord that I’d arrange with him to return to collect my remaining belongings. My negotiations to retrieve my belongings didn’t run smoothly: - He repeatedly insulted me during the exchanges. - He was restrictive in term
  5. Hi all... I've never had any legal issues in my life, so this is a first for me. Here's the summary: I ordered something via the internet from a large company in Germany using paypal (total cost £50.) I received the item in December. This afternoon, I received an email from the company's lawyer saying that the paypal payment never went through, and they are demanding the intial payment + attorney fees, or they are going to sue me. I just checked my paypal account, and was genuinely surprised to find out that this wasn't a hoax of some kind. My payment didn't go t
  6. Hi, I am really stressed. I have received claim forms for the County Court for a HBOS debt being claimed by Lowell/Bryan Carter. The claim is for £740. I did have a Halifax account a few years ago and it went into arrears for around £150. Is there anyway I can ask the court for them to make Bryan Carter provide full information for the amount claimed as I am not certain it is this debt and can't work out how it has gotten to so much? TIA
  7. Hi Everyone, I'm going to tell you my experience to date so that others may learn from it. It's not quite over yet but I think it will be by next week. Feel free to ask me any questions. I live in SW Scotland and in Feb 2014 I approached a local family run company to quote for double glazed replacement windows. The sales director sent me the quote from his email address. I responded with a query and then accepted the quote by email. His email address was then automatically added to my Outlook email address book. The work was carried out in May 2014. The f
  8. Hi, wonder if anybody can help me here. Although I live in England and the contract undertaken was signed by all parties at my place of business in England and the contract is being serviced by a depot in England, I am being sued for non payment of invoices in Scotland as the petitioner's head office is in scotland, Now, I do have a legitimate defence to this, however, I am disabled and cannot travel the 300 miles to the scottish court to defend myself. I have spoken to the court and they have told me that i can challenge the jurisdiction of the court, however, to do that i will
  9. I SUCESSFULLY SUED PLUSNET/BT IN MY LOCAL COUNTY COURT ! In February 2014 I contacted PLUSNET to install a phone line & supply a modem & broadband at the new house I was moving to. I paid them £72.98, I received confirmation of my order (a contract ?)in the post the following day & 2 appointments were booked for a month later for the work to be done. I moved to my new house & waited, I took 11 hours off work unpaid to be at home for the BT Openreach engineers, but no one turned up, I tried to contact PLUSNET on my mobile several times only
  10. Hi Caggers My son has got himself into another mess.... He had a joint tenancy (AST 6 month contract). He was unemployed for a while, we gave him money for his rent which he decided not to use for that purpose. The net result was that he ended up at the end of the tenancy with about 4 months of rent arrears; his flatmate also did not pay for at least the final month. The letting agent has now issued a court claim for the rent arrears and a load of other charges (and is of course withholding the deposit - which we paid). Some problems I have spotted: 1. Can the letting
  11. Hi please can anyone help me with some advice? I have received a claim form from the County Court, Cabot Financial (UK) Ltd are suing me. It says that I owe Lloyds TSB £413.17. I don't owe Lloyds any money though. I did have an account with them but I closed it because I didn't use it. It was a zero balance when I closed it. I have looked but I no longer have the paperwork for this. I want to defend this as I don't owe the money, but I am scared as I have never had to do anything like this before. Does anyone have any
  12. Apple sued over 'shrinking' gadget storage Apple is facing a lawsuit for not telling users about the amount of memory required by its flagship operating system. The legal complaint revolves around iOS 8 and the amount of memory it reserves for itself on iPods, iPhones and iPads. The complaint alleges that it takes up so much space that far less than advertised is left for people to store their own data. Apple has yet to issue any official comment on the lawsuit. Update upset The complaint has been filed in California by Miami residents Paul Orshan and
  13. Businessman blames mobile operator for failure of property empire A Greek businessman who lost a fortune during the country’s economic collapse is claiming £1.1bn in damages from Vodafone, after the telecoms giant pulled out of a retail franchise deal with him. Athanasios Papistas, whose partnerships also included a property management company with a scandal-hit group of entrepreneurial Orthodox monks, accuses the British mobile group of sabotaging his business empire. Mr Papistas has issued three writs seeking damages. The most recent and largest, for £900m, was served on Vittorio
  14. I recently came in to possession of a digital file which I printed with a view of selling copies. I have received an email stating that there is a copyright on the file and that the "theft" of the file is being investigated with a view of court proceedings being issued and to discover the identity of the person being found out. What do I do???
  15. Hi - I came across this website and there is some great advice being given, so I was wondering if someone could assist me. I worked for 10+ years as a sales agent/fitter for/with a large UK provider in Ireland. My contract made it clear that I am a contractor, rather than employee. I have always lived in Ireland and all work I did for this company was in Ireland. They recently terminated my contract, as they indicated that I owed them €3,000 in amounts collected which i had not paid up. Five others also had their contracts terminated for the same reason. I was happy to stop working with
  16. okay so my previous employer has overpaid me by what amounts to be around £400. i did not realise this however, i received a letter in the post a few days ago, (although my employment terminated from this company on August 10th 2012). The company did not pay me when i was suppose to get paid and so my pay was backdated into one lump some, so you can imagine why i was not suspicious of the overpayment. The entire some of money has indeed been spent (in good faith), and I simply cannot afford the repayment. The letter demands an immediate repayment of the full some of money. However, I am a stud
  17. Late 2010 I met an old female friend of mine who was going through a divorce (we hadn't met for around 30 years) and she decided that she wanted to come out to Canada from the UK to get a way from everything. Without much consultation with me she arrived and stayed for five weeks. At that time I was moving into a new apartment of my own and was about to purchase furniture on a rent to own basis. My 'friend' went out and bought a whole set of furniture and fittings against my wishes. Over time she has insisted on me repaying the money back that she spent of the F&F. I told her often t
  18. Hi All, I really hope someone can help me. Long story.... Basically I run a non profit (No money involved at all) blog on a popular blogging website. About a year ago I bought access to a well known German photo website and proceeded to use their images. About a week ago the log-in stopped working, although I found a way around it by using an old login registered to my real name and home address (*shakes head*...I know, I know...) So this log-in worked until Monday, then a message stated my account was "locked" appeared...Like the idiot that I clearly am, I emai
  19. Hello Everyone, First post after being directer here. Me and a now ex friend started a business X limited. (name removed). My business partner did all the accounts and admin side of the business whilst i done the physical work. The company was registered in 2010. We are EQUAL partners of the limited company On 24/04/2012 my now ex friend also registered X (norwich) limited. Norwich being our main location of operation. (her relationship partner and my relationship partner also had Y ltd and on the same date he registered Y (norwich) ltd) After my business partner attemp
  20. I signed an agreement with a cleaning Co. to supply me with a cleaner a couple of hours a week (as I was unwell). The co. were to supply me with a cleaner to carry out household duties as agreed between the co. and myself and I was to pay the co. a quarterly admin fee and pay the cleaner directly to her on a weekly basis. The service they provided was very poor and after 5 cleaners in as many months and as my health had greatly improved, I decided to terminate the contract (within the terms of the contract). The co. is now taking me to court claiming I breached the contract in retai
  21. The New York Attorney General has sued JP Morgan Chase for allegedly defrauding investors who lost more than $20bn (£12bn) on mortgage-backed securities sold by Bear Stearns http://www.bbc.co.uk/news/business-19795646
  22. Interesting....maybe the outcome of this case will see a class action by the consumers affected by securitisation: http://www.nytimes.com/2012/10/02/business/suit-accuses-jpmorgan-unit-of-broad-misconduct-on-mortgage-securities.html?_r=1
  23. Hello Not sure how to start really. I have a read and there is an awful to digest but I was wondering if anyone could help with our problem. Link Financial put both my husband an me in court in April this year, thing is they sent my court papers to my old address so I couldn't respond. My husband did put in a written defence for what it was worth and they still obtained judgement on him and on me by default. I have completed the N form and paid £80 to have stay of judgement or whatever it was and its being transferred to the local county court to be heard in two weeks time. I
  24. Hello everyone. I'm new here. A fine fellow over at Gallifrey Base pointed me this way, for I have a problem, and he thought some of the good people here might be able to help. I run a blog which is a just-for-fun, non-profit thing. I ramble on and say things that may or may not be amusing. In among the writing I include the odd picture, gleaned from google image searches to reflect the subject matter. A few days ago a photgrapher got in touch. I had inadvertantly used one of his images, and he was displeased. Fair enough, I thought, should have asked. I apologised and instantly too
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