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Found 135 results

  1. I have just received a letter from turnbull solicitors (working for HFO!). They state they have now obtained a charging order on my property. They took me to court early last year and I sent a defence to the courts but could not take it any further because Turnbull refused to give me any information requested. The proceedings went ahead regardless then I had notice that they were applying for a charging order. I immediately applied to set the judgement aside and after 2 months had the court papers returned informing me that the case had been moved to another court. I immediately forwarded the papers to the new court and heard nothing more (this was in November of last year). in the post today a letter arrived informing me that a charging order had been granted in court! Help - what can I do? I have continually requested all the usual information from turnbull and HFO and have only ever been sent coloured photocopies of deed of assignment from Barclays and a photocopy of my application for a credit card but not a lot else! What do I do next????
  2. I’m looking someone who can help relating to Reeds Rains, a property management company based in Halifax, yorkshire that I used up until October last year and who now appear to have sent me a claims letter demanding £633.90 I realise this is a relatively small sum but i'd like to see if i have any options and not panic and just pay. I left because when i signed with them the contract stated 4 inspections a year, i asked them not to do 4 inspections per year, 1 a year was enough as they're my existing tenants, i've had them a while they'd been great and i trusted them to look after my house. Roll forward 2 years i find out from my tenant that she'd been having to take time off work for 4 inspections every year and was being harassed by reed rains if she didn't reply when they were wanting to arrange them. She doesn't earn a huge amount so taking time off work was difficult and she worked at a hospital so having to sort out cover on shifts. Understandably she was frustrated and got in touch with me They also issued my tenant with a new AST and charged them a fee (which i hadn't realised) so on the 2nd year of being with them, i told reed rains i'd pay the fee for my tenant, count many many emails later from me to them to several people telling them over and over again that i was paying it, they were still harassing my tenants to pay the fee so again, my tenants is left frustrated and upset Responding to their emails and trying clear up their confusion was taking up so much time (and becoming stressful and frustrating for me too), I gave reeds rains 3 months notice (by email and i got a response back from them) and i thought that was that A week ago i found a brown envelope through my letterbox, i was a county claims letter All it says is i owe them £633.90 for a 'withdrawal fee' which i know nothing about, i can't find the contract i signed as remember scanning it and emailing it back to them but i can't find the hard copy Prior to this i don't think i've had any communication (I did have block their emails as kept sending me marketing information (gdpr?) Has anyone been through anything like this or offer any advise at all?
  3. Hi thanks to a member on here telling me to CCA Barclaycard I am looking for help. What makes it unenforceable I keep looking and some people say they have to produce original paperwork, others say they can send a revised one, being taken out in 1999 does it need to show my signature? Any help would be more than appreciated. X
  4. Hello, In August 2018 I took on a BT TV and internet package on a 12 month term. I did not want to use BT really as I was told their service is bad. I explored all options with other providers such as Virgin, Sky etc but it turned out I could only have BT TV at my rented flat and the lines were BT only also. The time came to have my TV and internet connected and BT came to my flat and within 5 mins the technician said ‘OK, you are activated’……the point he said was active was by my front door which is far from my lounge where I needed BT TV and the modem. I connected the modem to the point by the front door and confirmed it worked with the technician, I then check the TV point but it was dead. The technician had a look and said ‘yea this point will take 24 hours to come on’ which I could sense was utter nonsense because it was fed pack to the point by the front door, so something was wrong, which didn’t surprise me as it is a very old regency building. 24 hours went by and not to my surprise it didn’t work, I called BT and booked for them to come out the following Tuesday (6 days later). Tuesday came and it got to 4pm and I called them to find out where they were and they said I had no appointment. I could not afford to take more time off work so I just parked up the TV issue for the time being as my internet worked and I could get by and would tackle the TV install later. By October I had been given a new opportunity to take a job in Australia meaning I had to move out and leave for Australia in December. I called BT to say that I needed to cancel and was told I have to pay out the whole agreement to the amount of £578.18. I explained that this felt unfair as they are not supplying me with any future service, on top of that they never finished setting up my BT TV, and last of all the new tenant who moves in has to use BT (as outlined above,unless they don’t use phone, or internet) and therefore when they sign up with BT it will cancel off my service automatically. As a result BT will be charging the new tenant for their services and charging me also! It doesn’t seem right that someone can sell or lease out the same thing to two people at once with only one of those people being a beneficiary. Any advice on my matter would be much appreciated, I understand I signed an agreement, however they never fully installed what I paid for and they are also trying to make me pay for something someone else will be paying for going forward… it doesn’t seem right.
  5. I face a massive fine I can't pay because I ticked the box on my prescription saying I was eligible for free prescriptions. This is because I am on working tax credit I asked the chemist if this meant I got free prescriptions (I was on benefits years ago, i forgot how it works with prescriptions). He said yes, and I ticked the box and got my fee prescription. Then I got a letter saying I was being fined (including what my prescriptions should have cost) £139. I realise, having tried to appeal unsuccessfully, that the onus is one me to read the form and know if I am eligible or not. Fair enough (not really as I've read a lot of accounts of this happening and by now chemists, dental nurses etc, should have been told that they shouldn't falsely tell someone they will be free, they should either have the right information or be told 'read the form, I cannot tell you, and if you get it wrong they'll fine you £100+) but the fine is so excessive I can't pay and feel it is unfair and don't want to pay. You can tell me I am in the wrong if you like, and should pay. But my question is has anyone actually been taken to court to recover the money? I've looked around the internet and can't find anyone who has. So what if I just don't pay, what will happen? Thanks.
  6. Hi Can anyone advise regarding loan payments. I have a loan agreement with payments that were due as per the credit agreement on: 17/08/18, 21/09/18 and 19/10/18 however I have noticed that payments have been taken late or early by the lender on 20/08/18, 17/09/18 and 12/10/18. Is there any legal standing on this if I make a complaint
  7. Hi there, I have an old student loan from 1996-1999. I informed the SLC/Student Finance that the debt was statues barred three years ago and they left me alone. I started working for the NHS four months ago and today's payslip has a deduction for Student Loan repayment on it. I have never given permission for anyone to do this as I do not acknowledge the debt. Where do I stand? Many thanks, M
  8. helping a friend out she's being taken to court about a old cfo loan now mmf now lantern we filed to say we fighting it and asked for all the info you need like credit agreement etc . No response off them defence needs to be in asap. But not sure on this what we need to put any help be great thanks . P.s no payment ever been made it's around 4yrs old and also when first took loan out they just increased and increased without a payment in return she also lied about working but never checked.
  9. I am trying to help a friend who lives overseas but whose father lived in the UK. His father died without leaving a Will and left an Estate worth £58,000. My friend has a Solicitor acting on his behalf in the UK but he was informed that his father was overpaid benefits from both the DWP and the local authority whilst he was alive even though he was living in a local authority run residential home. The total amount of the overpayment was £38,000. I am just wondering how is this possible when he was unable to make a claim for himself? My friend is only relying on the information received from his Solicitor but he would like to know how could he go about finding out the total amounts overpaid to both of these departments and whether indeed there was an overpayment. Any advise would be appreciated.
  10. Good afternoon everyone, Yes, it's my first post at the forum because I haven't had any problems like that and my knowledge of UK's law is very poor on this field. Let's start from begining. I've bought a car in August 2017 and got few PCN's that I didn't pay at the begining. After few weeks I got 2 letters from Medway Council to pay two different PCN's that I've paid (last one was on 27th September). Two days after I've moved to another flat in gorgeous Chatham. I've informed DVLA about moving and have VC5 with new address and a date 08/11/2017. Since then I didn't get any letters informing me to pay PCN's at my new address. And here the story begins... Last Friday morning (27/5/2018) I went out to my car and I saw it's going away on a service car . I've had no idea what's going on but I thought it might had some connection with those last years' PCN's I called Medway Council to find out what's going on. A lady I was speaking with told me that it's being taken by Jacobs because of unpaid PCN's and gave me their number. I've managed to contact with a man who was in charge of my case and he told me I had to pay £950 if I wanted to get my car back (while my car is worth £1500) and every next day I'll be charged £15 for parking. I needed this car next day to get me and my girlfriend to work so I'd met that man and paid him all the money he asked for just not to lose next day without the car. Do you think this kind of acting is legal? In my opinion I was robbed and I regret I didn't called the police that my car was stolen. Can you please tell me if there is something I can do to get any money back? Thank you in advance for any help.
  11. Good morning HOPE THIS IS THE CORRECT FORUM, i have an issue and need some advice hopefully there some bank account/visa debit card experts here? On friday 13th i went as usual to buy my weekly bus ticket on the First Bus M-tickets app ( i have never had this problem before) but when i clicked checkout i selected my card and instantly the screen came back with "transaction declined", i thought this is strange because i had the money in account ready. I left it half an hour confused to try again but before i did i went to check my banking app to check my balance and low and behold the £20 for the bus ticket had been deducted form my balance. I went to check if my bus ticket had turned up in the app but it hadnt and the history said "transaction declined". I phoned the bus company and was told they have no record of receiving my money and refused to issue my ticket on the grounds it says on their screens "transaction declined" Ok sorry for that i just wanted to make the story clear for guidance. I have checked today (still no bus ticket or money back in my account). I am worried my money has disappeared into thin air, i have debt management plans to pay and i am on benefits so £20 going "missing" is quite a big deal at the moment.... What do i do will the money be returned to me? Is their financial laws that state money must be returned in ??days. Thank you i hope someone can advise this has really stressed me out
  12. HI Guys, Capquest have been writing and callimg me since taking over a Halfax OD. i recently sent them a 'prove it' style - They replied. - Overdraft response was very generic: 'We have been advised by 'bank' that section 74 of the CCA 1974 provides that an overdraft on a current account will not fall within the documentation requirements of the CCA. Therefore we are not providing a copy agreement for the above' Doesnt leave me with a very good idea of anything right? My uncle has been kind enough to lend me money so i would settle, but first off i dont know who the hell Capquest are and they are not responding accordingly to me. Any advice is appreciated Many thanks Its seems not only have Halifax put a default on my file but Arrow have too!
  13. I work for a company that employs more than 1000 Trade plate drivers; we travel all over the UK delivering and collecting vehicles for many different customers. Many of the places we go to are quite remote, airfields and large compounds etc, there is not usually public transport to many of these places. The only way we can complete our work is to work with other drivers, sometimes this is arranged by the company and sometimes we arrange this between ourselves. When there is public transport it can often take a long time to travel between jobs, and quite expensive. Therefore, working with other drivers is normal. I received the notice from Metropolitan police was about seven weeks after the incident asking me to identify the driver of the car at the incident time. On average we will complete about three jobs a day, on that basis I would have driven about one hundred vehicles in average of three to four cars a day. How many drivers I would have worked with is not possible to work out. Under those circumstances I do not know anyone who could remember the details of a specific car or who they were working with at a specific time of the day seven weeks previously. The company do not keep records of who works with who at any time, the only thing they are interested in is that all of the assigned work is completed on time. I have asked many drivers if they can remember working with me on that day, none can. I have looked at any written notes I keep; this has not helped. I have checked my mobile phone to see who I spoke to around that day, nothing I have done has enabled me to identify who would have been driving at the time of the alleged incident. Also the photographs sent to me earlier by the Police wasn’t clear enough to identify who was driving the vehicle at incident time. I understand that the Police will ask for any information that will lead to the identity of whoever was driving, and in most cases it can be provided. I have however read what the law says in this situation. It clearly says that a driver/keeper cannot be guilty of failing to identify who was driving if they did not know with reasonable diligence. It seems common sense to me that the law was written that way because of exactly this kind of situation. The law also says I am not required to keep records. I accept that this is a very unsatisfactory situation, I remain willing to do anything I can to identify the driver concerned but I cannot see what else I can do. Metropolitan Police write to me again saying that I have a legal responsibility to identify the , further action in this matter has been suspended for 14 days. I do not know what I have to do with this, Thanks
  14. Can insurers take the excess twice for the 1 claim? I have queried a settled claim and the insurers have decided to pay me a 2nd payment but deducted the excess again. I thought they could only take it once.
  15. Hello All In 2012 I took out a payday loan with PaydayUK for the sum of £400. At the time of taking the loan out I was on a low income and I wasn’t able to pay my rent I took out the loan to cover rent costs - stupid idea I know but at the time I had no other way of getting the money I didn’t pay this loan back as I couldn’t afford too. I vaguely remember contacting them to advise them of this but they were really unhelpful and I just ended up not paying and I heard nothing for 5 years. In December 2016 I received a letter from PRAC/BW Legal saying they have purchased the debt - I ignored this and heard nothing further up until now . I have received 2 emails from them also - they were just copies of the letters I had received in the post The most recent letter (final request for payment)states that if I don’t contact them within 14 days, my account may considered for legal action and it states that the next letter I receive will be a letter of claim prior to the issuing of a county court claim BW claim I owe £420 and I think this is incorrect . I decided to check my credit reports and my bank account. On my credit report it states I borrowed £500 and I know for a fact I did not take that amount. I also checked my bank statements and it shows the payment of £400 which was paid in - and it also shows that they had taken a total Of £314 over various payments with my card from February to May 2012 as they had CPA - I remember at one point they completely cleared my account and they gave a me a measly refund of £34 - I remember calling them angrily as they’d completely emptied my account and stated that they would keep on taking money from my account so I think I may have cancelled my card. I have not made any other payments and I have not had any contact with payday uk or PRAC/BW Legal I’m assuming they are getting heavy handed as I’m pretty sure it’s getting close to the 6 Years (not sure how I would find out when the 6 years is up) Just wanted to know what action I should take? What is likelihood of them actually taking me to court Any advice will be greatly greatly appreciated Thank you in advance
  16. hi I am sorry if this is the wrong forum. My Daughter was in a "relationship" with someone and took out a bank loan for this person for £4000. The person has not paid any of the installments and now broken up the relationship. My Daughter has Mental health issues and has been hospitalised 4 times during this relationship and was very vulnerable. I am worried that she is now having to pay this loan back herself ( I know she is responsible to make the payments and she has been doing so) but I would like to know if she is able to do anything to get this money back or make the person pay the installments? I am concerned that she was coerced into taking the loan in some way....maybe a threat to end relationship? The only proof she has of giving the money to the other person is her bank statement as she transferred it electronically. I know this person has a partner who has a history of fraud and theft. Is it worth contacting the police......my Daughter has already had to contact them as she was being harassed by the person and her partner and has been warned not to contact my Daughter at all. She has since sent 3 texts which I will be reporting. Thanks for any advice
  17. Hi My son in law has received a claim form from Northampton County Court for damages arising out of a road traffic accident. He disputes that the impact could possibly have resulted in any injuries and he offered to pay for the damage to the claimant's car himself at the time of the accident. The served documents are extremely complex and he (and my daughter - who has just had her first baby) is confused over what is his best course of action. Any advice would be gratefully received. Thanks
  18. In the main area of the forum a few days ago, a debate took place regarding a question from a member of the public regarding a letter that he has received from a firm of bailiffs in relation to a Liability Order granted 6 years earlier. The OP wanted to know whether the Liability Order was statute barred (which it is not). Another poster advised that a complaint to the Local Government Ombudsman should be considered and that the LGO may likely make a finding of 'maladministration'. The following two LGO decisions would indicate that a complaint to the LGO would not amount to 'maladministration'. and furthermore that a Liability Order is not covered by the Limitations Act.
  19. Hello, thanks for reading This matter relates to an old style loan of about 2k taken out in 1991/2 and consistently deferred until 2013, when I moved abroad to work (still earning under the threshold) and my deferral form went missing. I then forgot about it as got ill and depressed..(have medical evidence to back this up) Moved back to UK in 2014 and was unemployed for nearly a year.. so have never earned anything like the threshold limit. I also turned 50 in 2014 (am now 51) So, the long and short of it is, Student Loan Co wrote saying I was in arrears, then threatenign court action. . Now it has been passed to solicitors and a case has been opend at County Court I may have forgotten one deferrment form and defnitely sent one that they claim they never got. . But in any case, I turned 50 wouldnt the debt be wiped? And if I can prove I have never earned above the threshold, will they still have a case against me? How do I defend it? Is it now statute barred ? or has deferring it (until 2013, they claim was the last deferral) meant that it is no longer under the limitations act? I'd welcome your advice, have acknowledged service of court docs, giving myself 28 days to prepare to defend Abby
  20. Hello, The landlords had started court proceedings for rent arrears, £3,500 although they have submitted incorrect amount to court I put in a defence providing as much info as I could & telling the court I was getting further legal advice. In the meantime I've sought legal advice from Which Legal who confirm that the landlords were in breach of Gas Safe Regs. I've then spoken to Gas Safe Register, I luckily got to speak to an Incident Investigator who said I must definitely report the landlords to HSE. We were in grave danger the entire time we lived at the property & the landlords failed to meet even the very basics of their legal obligations. The only reason there are rent arrears is because I became so ill I couldn't work for a year, still struggling now. Not sure what to do about this claim for rent arrears as I've been sent a Notice of Proposed Allocation to the Small Claims Track to be returned before 7th July. Which Legal can;t help as it's already at court, they told me to contact Shelter, Shelter say thay can't help any further because it's already at court?! Is there anything I can do? Get it delayed in any way? Should I update the court with the info that the landlords were in breach of Gas Safe Regs & further action is starting against them? What do you think would be the best way forward? Will I have to pay the arrears when the landlords were the cause of the arrears? I'd really appreciate any help or advice. Thank you reading my post
  21. If you are self-employed and you are owed money from a company (construction) for an unpaid invoice and you start court proceeding's can they close the company down before it gets to the court date and if they can is their any way of stopping them doing this Thanks
  22. Hello This is my first post, so please bear with me. As you will have established from the title, I have been stupid recently and have taken out credit via a mail order catalogue and four payday/short term loans. I have always had a volatile relationship with money, which I think has stemmed from my chaotic upbringing (my father got himself into a lot of debt and I was sent out to work from the age of 12 and up until I was 27, I was paying him to help him out each week. The time this ended was when he died (hence it ceasing when I was in my late twenties). The above isn't my way of evading responsibility as I am old enough to know better - I just wanted to offer an overview. Just before my father passed away, I also suffered a miscarriage and thought I had experienced another shortly after he died , but I was lucky enough to give birth to my first child that year. If you are still reading this, thank you. Even writing this is making me cry and I genuinely don't feel I have properly grieved since the losses (my Dad and two babies) and believe this has probably contributed to why I spend on credit and buy things I simply can't afford. For a short time it makes me feel better. I have previously been diagnosed with depression, but thought I had overcome this. I now think I have just masked it with the borrowing! I am currently paying StepChange a monthly payment towards older debt , but have racked up mail order debt of £1750 and also owe the following: MyJar - £800 Satsuma - £1000 Wageday Advance - £150 QuickQuid - £400 I have previously borrowed from the top two and paid them off in full, but this was only possible by borrowing from one to pay the other, but it gave me more credit at the next time of applying. The first payments for these new loans are due at the end of April and I know I cannot pay them. I am losing sleep and feel poorly with worrying about what to do or say to these companies. None of them asked me if I was on a DMP, but I know it is my fault. I am working full time and have a partner, who doesn't know the extent of my debt, but he has his own issues (addiction). We have three children and I look at them and feel so crap for letting them all down. Please can anyone offer any advice? I am sorry for rambling on. X
  23. Hi all My Wife was dissmised for alleged gross misconduct for chasing on social media about work all though no mention of her work name or any second names used during conversation ( she thought she was in chat mode with a friend not on live site). Went to C.A.B. got told can't do anything as she had only been at her job nine months. Today she has received her final wage slip after waiting a month they paid the 3 weeks wages and any owed holiday pay then took back the full wages for the month before. What I need to know is can we appellant the sacking and what do I do about the wages they also owe her for 300 pound worth of overtime short paid over Christmas.
  24. I have sent Halifax a CCA request several times over the past year, which they seem to be ignoring! This card was taken out in the late 1980's I'm guessing they are having difficulties retrieving any documentation. I have spoken to the Financial Ombudsman and they say they cannot force a company to produce documentation they do not have. If I raise a complaint with them they can only ask the same way I have. They have not sold the account, they have passed it on to a DCA to manage the account who are now demanding a massive increase in the monthly payments. Without the contract I do not now what my rights are. So, what should I do next? Thanks in anticipation sidley
  25. Hi all This one's a worrying departure from companies generally steering clear of taking people to court for old/possibly dead debts - Hoist Portfolio Limited (HPH2 Ltd) have had a CCJ issued on me for a years old debt that may be statute barred. *If* it is the debt I am thinking it is, it is from an old bank account and is an amalgamated loan, overdraft and credit card debt that I had when leaving them after I lost my job and became very ill. I had already made several years repayments on it while it was in the black, but then became unable to continue and had to default. I sought advice from CCCS and established I could not afford to pay them any more than a token £1 a month payment. Some time later, my father came into some money and kindly offered to settle it for me. I also had another debt so he divided the money up in a percentage between the two as advised by CCCS. The other company happily took the offer, this bank declined. He made them a second offer. They declined. We explained I was in ill health and would never be able to pay it back in full so they really should accept the offer as it was all they were likely to get and the offer would not be on the table forever etc. They declined. I am afraid I do not know the dates of any of this, only that it is several years ago now. I wrote to them asking them to correspond with my father not me as I was in poor health and could not reply in a timely manner. Several other companies bought the debt, my father made the first two or three the same offer, they all declined, we did not hear anything for about two years. Enter Hoist. They have decided 1) not to contact my father but myself and consequently I do not have most of their letters as 2) they also have the wrong address on their letters, the address of the 'main' building I live in, not the actual address so I have not been getting them. The first letter I did get was one from the court telling me they had issued a CCJ against me! immediately confirmed it was real and contacted CCCS (now Stepchange) who advised me to write to the court asking for motion to put aside, which I did and also sent a CCA request to them, which they returned with the postal order and no documents. still do not have the documents (August). the hearing to set aside is on Thursday, which I just found out, since they are STILL sending the letters - including the court - to the wrong address! made it quite clear in my reply they needed to address the letters properly for them to get to me. was not aware that there would be a hearing to decide if we were to have a hearing. presumed the judge would look through the letter I sent and decide. After digging through the junk mail, found a letter from Hoist, who said they will not 'challenge' this hearing to set aside, which is very nice of them, as long as I started making payments. They still did not enclose the documents I requested. the hearing is on Thursday am I was wondering if there was anything I should know/bear in mind from other people who have done this. My defence is 1) sent to the wrong address 2) asked to correspond with my father due to my ill health and have ignored request 3) they have added interest to the debt when I was told 'once it is amalgamated interest and fees can no longer be applied, so that's one good thing about this'. 4) the debt may be statute barred 5) I have asked to see original docs and they have ignored request 6) if this is the debt I think it is - my Dad made several offers which they declined, and he explained that they could either take it or nothing, and they declined. So...well... 7) it may not even be a real debt or mine - I need to see the docs, which they have not sent. My name is actually very common, it is not completely impossible. I guess I go there on Thursday in my best suit and go through those things? It is really having a terrible effect on my already terrible health and I am so fed up with the whole thing. I believe we have tried our best to come up with a solution and it is not my fault that I became ill and unable to pay. Our offer was fair and certainly, for a debt co who probably bought it for 15 per cent or whatever, I do not understand why they have chosen this route rather than the money. Thank you all in advance for your help. These forums are literally life-saving. xxx
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