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  1. Received a letter today from Vanquis and also Lowells together stating my £1900 CC debt has been passed to them CCA Lowells and SAR Vanquis?
  2. Hi, I set up in busniess 5 months ago, in a shopping centre which is privately owned. They have undeground loading bay and parking, the parking spaces are only for those who have it in their lease. I do not. I unload stock every morning, and after a while started to just leave my van there, no problems as it was out the way, and I found the security giards were just handing out the tickjets to anyone who did not have a business in there, no one used it really.. This changed in March when they brought in UKPC, I have since amassed 10+ tickets as I ave been leaving my van there, I have spo
  3. Ok heres the deal. I signed up for a 3 month virgin active membership back around july, after one months use I wanted to cancel, they wouldnt agree and the idiot manager would not even agree to simply talk with me. I didn't use the gym in the last two months but they don't care and the contract doesn't of course. Arc debt collection has been dealing with me, I owed around £170 or something in total ive already paid £90 worth, maybe that was the wrong decision but I do not want to pay them the remainder. I've set loads of dates to pay and many I have not pai
  4. The following is an extract of the news report published in the Guardian: https://www.theguardian.com/media/2018/feb/22/couple-filmed-evicted-channel-5-tv-show-win-damages-high-court
  5. i had to pay marston money, called them and aranged the payment to be taken in 3 instalments… i thought all was done and dusted i just received a call that i hadnt paid the full amount, and that i must have messed up aranging it with my bank. although i didnt contact my bank at all, i only aranged it through marston themselves and even confirmed at the end of the original call that everything was sorted. the guy i spoke to (called me on a mobile number) said i hadnt paid in full however i had aranged the direct debits with marston who failed to take the full amount in th
  6. 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?
  7. Hi All - For those of you who have not read my issue, here is a history on another thread: https://www.consumeractiongroup.co.uk/forum/showthread.php?485667-Got-CCJ-due-to-council-and-bank-blunder!!-what-compo-should-i-ask-for&p=5116746#post5116746 In a nutshell: - own a rental property in another London borough to where I live - council initiated CCJ proceedings for non payment of Service Charges (payments were being made but without a reference, so monies could not be allocated to SC account) - council's solicitors were sending court paperwork to rental property, and
  8. Hi Can someone please advise whether my car is exempt from being seized by Bailiffs for a debt of £1700 when it's only worth about £400-£500. It's also vital as my role as carer for my two autistic children, it's not an official disability car but I'm their registered carer and need it to take them to appointments and to and from school as public transport is a no go due to their condition. As I understand vehicles with a value less that £1350 that are needed for work are exempt, does my role as a carer put me in this category? Thanks Lisa
  9. my doctor will be sent a form from the DVLA to fill in re my medical fitness to drive. In the past 3, 4 or 5 months my mental health has been excellent no problems. BUT earlier this year like 7 months ago I (voluntarily) admitted myself to a psychiatric ward and was there for 3 weeks. I know the doctor will have a question to answer along the lines of "has the person been admitted to a hospital in the past 12 months for psychiatric treatement?" Does this mean I won't be allowed to drive until a year has passed since my admission date, even though I have been fine in recent mo
  10. So I had a phone call just now... From a number 01639 617412 Claiming to be "We Take Them On" - They asked me had i ever taken a PDL? I played along and said "Yes"... "Well have you ever had to roll them over?" He asks... I stopped him right there... "Dude, you do know you are talking to someone who has written a full guide on reclaiming PDLs for free right?" He stopped dead... I offered to send him a link to CAGs free guide... He said "No Im Okay thank you..." The call then ended... In which I laughed... He wast happy when I told him I help do it for fr
  11. Just had a visit from Marstons Bailiff, over a speeding fine for my partner. Once we received the letter we filled out a Star dec and sent it off. When he arrived he stated a few things. 1. Stat dec was irrelevant as it hadent been infront of a judge. 2. That he was calling a locksmith @ £100 an hour. 3. That their system says to continue with the warrent. OK I called the court, and the stat dec has been accepted and Marstons has been informed. Called Marstons who state that their system is not uptodate but refuse to call off bailiff. Speak to bailiff who s
  12. Hello all, An acquaintance of mine got a parking ticket some time ago. The ticket and all correspondence went to her Grandmother’s address as she had previously lived there before being rehoused by the Council. The ticket remained unpaid and was escalated and the amounts increased. She lodged an appeal and a rejection dated 1st March was send to her stating that her appeal had been received out of time. The letter further stated that she would have 14 days to further appeal if she was not satisfied with the outcome. The letter arrived either Saturday 3rd or Monday 5th an
  13. Evening everyone, I recently purchased a 10 year old car for around £2-4000 below asking price. Also secured a 3 year warranty. All good. Drove it away and a 'Check Engine' light came on. Took it back and they plugged it in, fuel pump issue. Replaced that. Light still on - turbo issue. Took it too a garage, needs a new turbo costing £1800. As it's only one of them, the garage, under the Consumer Protection Act, will pay for it. Cool. Although, advised by the garage that if you replace one, you should replace both. Due to the, apparently, small profit margin, t
  14. F-35 jet cleared for Carrier take-off, Defence Minister tells Select Committee READ MORE HERE: https://www.gov.uk/government/news/f-35-jet-and-new-batch-of-uk-pilots-cleared-for-carrier-take-off-defence-minister-tells-select-committee
  15. Hello Was hoping for some insight or advice on my situation. I've just checked my credit report and have found two sets of "beneficiary trace enquiries" made by Erudio Customer Management Ltd. The first ones were in mid-march against my current and previous address. Then again two months later in May, also against my current and previous address. I have read up and found out Erudio bought the old style students loans. I do have two of these. One from 1997 and then another for 1999 which has been treated as a separate account by the
  16. I have watched this programme and depending on when they filmed each series certainly the one prior to the latest, maybe even this series will have been filmed after a change in law http://www.landlordlawblog.co.uk/2015/11/17/new-nightmares-for-landlords-using-high-court-sheriffs-to-evict-tenants/ Nicholas v Secretary of State for Defence, High Court, Chancery Division, August 24, 2015 Which they now have to give advanced notice about HCEO's being instructed to carry out evictions CH5 conveniently appears to have omitted this fact Also the methods some of DCBL s
  17. The DWP told me that I had been overpaid last October, although it wasn't until April 2017 that they decided how much I had to repay. This was settled at £3.70 a week out of my Income Support (I am a full time carer who gets Carers Allowance and Income Support) in May 2017. Today (21st October 2017) they have written to me saying they want to review how much I pay them and increase it. It has only been 5 months! My circumstances haven't changed. CA and IS are my only sources of income, and out of that I have bills to pay. Is there a letter I can send which will keep it
  18. Some help and guidance required if possible, bit of a story behind it all so I'll keep it as brief any more info needed and I'll follow it up. Nearly two years ago I had a Brain Haemorrhage , A large bleed and had Coiling done, Salford Royal Hospital are amazing and saved my life. I had worked in the building trade for 30 years and after the Haemorrr than othershage I was left with the symptoms of a stroke. Down one side , speech mental issues, memory etc. I decided to go down the route of Naturally treating the conditions I was left with and am doing a lot better than hoped.
  19. Hello, I have accepted an offer from a refund plus interest from wonga. Does anyone know how long it takes for them to process the refund and put the money in my bank account? Thanks Paul
  20. Hi everyone, I've been on ESA in the Support Group for the past 2 years and today i received a capability for work questionnaire through the most that has to be returned within a month. I am just wondering how long after you send the questionnaire back do you hear back from them with a possible face to face assessment date and do you still receive your normal payments while this process is going on?
  21. Hello It feels like I'm running round in circles at the moment in regards to our council Tax debt and the zero co-operation I'm getting from the Council or Baillifs in regards to paying it off! We owe 2 amounts to Baillifs Penham Excel 1x £934 and 1x £1465 - both way over what we actually owe the council! Baillifs have been 4 times now and each time I've refused entry into the house to do a walk in possession, but today he turned into a smart a*** and said he would go away and get an order to take away my car (no finance on it and only worth around £1200). This has really worr
  22. Hi, I've just received a very worrying letter from Drydensfairfax Solicitors telling me they will take me to court on behalf of Erudio if I don't contact them within a few days. Can they do this? The debt is from when I was a student in 1996, from The Student Loan Company. I haven't corresponded with The Student Loans Company since 2011. I asked for a complete breakdown of what they think I owe them using the Data Protection Act and the numbers they produced were incorrect! The amount owed was wrong in all their correspondence, it bore no relation to the nu
  23. Dear all I would be very grateful for any help with my situation. I had a SPO following mortgage arrears (£3600) in 2008. Since then I have been making my contractual payments but had missed payments on three occasions from unexpected expenses resulting from direct debits being returned unpaid. I was in a particularly bad financial condition in the last 6 months following an elderly family member falling unwell while abroad. The mortgage arrears accrued to £3400 again and the mortgage company ( a subprime lender) has now applied to the court for a warrant for possession.
  24. http://www.consumeractiongroup.co.uk/forum/showthread.php?464034-Court-summons-from-GREENBELT-GROUP-ADVICE-**Discharged-for-£400-from-£2k** Same kind of situation. not paid 9 years greenbelt didnt do the work bad areas in street with very poor maintenance. BUT, other half filled in court summons to make payments, she didn't contest. , this was around 4 weeks ago so they have won decree at £2500, granted 4 days ago got a letter saying as the won decree if we dont pay they will send sherrif officers. how can we contest decree after they win decr
  25. Just had bailiff turn, threaten locksmiths and actually called a locksmith for a speeding fine from June last year. He handed me a notice of intention to enter and search premises - removal notice. under Tribunals Act 2007 s12 p2 18b enter premises using reasonable force even in absence. He said he could force entry and a locksmith would be called to gain access. I asked him for his warrant of entry under s15 but he refused. My partner did not know that her speeding fine would be taken to court, she is unemployed and has just had to pay £650 out of her savings for this
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