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Found 9 results

  1. Hi I've been receiving letters from Lowell regarding a debt for a mobile phone account which isn't mine. I mistakenly decided to ignore the letters until county court claim has been started against me. I've filled out the form online to give me some extra time to defend it and form a case but I'm hoping I can find a way to force them to annul or at least postpone the claim. I've looked around here and apparently because it was a mobile phone contract, a CCA request letter would be ineffectual because it was a service agreement. So I'm thinking about sending them a "prove it" lette
  2. ’ll try and keep this as brief as possible but I’ll need to explain a bit of background. When I was in university I rented a room in a house with three other students that I didn’t know between July 2012 to June 2013. Npower supplied the electricity and gas. I gave the first meter reading in July and the first bill came in October and we each paid a fourth to the landlord and I thought this arrangement would continue. However, towards June 2013 I contacted the landlord as we hadn’t got any more bills and queried what was going on he said he’d put the bills solely in my name. I was
  3. I've been moaned at for doing this twice in the last several months. I take various medication. I have some I take everyday and some I take when needed. With the latter, that could mean ordering every month or every 2-3 months. I went to order 2 things Monday. I explained last week that I'm away when I run out. And the other, I've not had for a while and need now. I've not been given the one I need now despite it being something I could run out of pretty quickly. It can also be a pain to get hold of. They've promised to give it to me tomorrow maybe. Can they just refuse just bec
  4. I have recently been doing some research into legalities of purchasing debts and enforcing them.. From what i've read online and social media sites When a DCA purchases your debt you do not have a contract with them. you run up a bill with BT avoid paying for 3-4 years then lowell/cabot etc crawl out of the woodwork and decide to chase you for said debt.... however technically you never entered into a contract with lowell/cabot etc only the original creditor when you ask for documentation regarding your contract with said DCA they can only provide you with
  5. Hi there, this is my first post here so please be patient I have a Barclaycard with limit of £4000 (I actively reduced this from 6K) of which I currently owe just over 3K. I am only able to pay £100 a month so the debt is only being reduced by about £60 a month. Now Barclaycard are increasing their APR my monthly payment will reduce even slower than now. I tried to apply for a 0% balance transfer card but was unsuccessful. My husband has only managed to open a Lloyds Platinum card with a 1K limit so we can transfer £950 onto that and make regular payments no problem.
  6. Hi, I'm looking for some advice, haven't used the site before but came across it when trying to research. I joined JD gym in December, joining online. The main reason I joined was because it was the only gym in the city that was contract free. The website clearly states several times "No contract- cancel at any time". Because of various referral incentives I persuaded my husband and mother to join also. We were supposed to receive free towels, bags and a PT session. Over the 5 months that I attended I saw the club deteriorate; it took us 4 months to receive the bags and towels as they we
  7. This is part real and part hypothetical. I'm currently hunting down a new second-hand car, and looking at private ads. I am getting bogged down in the new road tax legislation. I truly can't see how it's supposed to work. When I buy a car which is parked on the roadside, I become the owner of an untaxed vehicle since the existing tax no longer moves across to me with the car. I can go and tax it myself, assuming there's a post office within easy reach, or I can get to a secure computer, and there are no hiccups, etc. Meantime, I'm breaking the law. I am also the owner of an uninsured
  8. My wife has had to have two assessments in the last few years whilst on ESA, due to her ill health and mental health issues. She scored a 0 on the first one, we appealed, and 2 years later the appeal went through and we scored 19 points (not much of a difference, eh?) and we got our benefit back. 7 months later, they sent he for assessment again. Once again, she scored zero. We went back to appeal, 13 months later it went through and we scored 18 points We went back to the full rate in March of this year. It's now just the start of June, and we're being told she has to be asses
  9. Hi, I am new to this and now at the end of my tether. I don't know where else to turn to for advice. In 2002 after a brief period of unemployment, i was accepted to study as a student midwife. My then partner and father of my only child (who is now 15) wasn't happy as he worked away for long periods of time as a HGV driver and thought that my course would interfere with my spending quality time with our child, so we split. As he was away for work for long periods of time, it was pointless moving him moving into a property and paying rent for a place that would remain empty, so he mov
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