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Found 1,707 results

  1. Now the UK has decided to leave the EU, what is the time scale to activate article 50 of the Lisbon treaty ?..
  2. Please advise Parcel2Go have lost a laptop I was returning to Argos for a full refund, They have lead me a merry dance with lots of excuses and won't compensate. What now please?
  3. Hi I started a Ppi claim with Lloyds a few weeks ago there were 9 old loan account from 1992 to 2000 with Ppi. I should have my response in Aug. But this week I have received 2 letters in the same envelope to old address even though Lloyds have new my address due to claim. One is from Lloyds saying they have sold my debt to asset link the other from asset link. I know there's a Lloyds charge on my old house from 2006 (ex wife and kids live there but my sole mortgage) as its on land registry. Any one know why I've been sent letter? I assumed they would offset against any debt anyway. Any advice on what to do I will upload letter off asset link. PDF Photos 16-07-2016.pdf
  4. Hi to all. I am going to try and keep this very simple and brief. I was sent a package/gift by my relative. So it was not a online purchase or any of that sort The item was delivered to my apartment complex via Royal Mail signed for service and was received by the concierge who signed for the item and made a log of my parcel and put in a delivery note via my letter box. However when I went to collect my parcel it had disappeared from a secure parcel room. I am not here blaming the concierge stealing the package all I am saying it just disappeared. I spoke to the building management and put in a formal complaint. I contacted the police also who could not do much at this point as no proof of who took the parcel. I wrote endless letters of complaint to the building management company of my apartment complex. Who ignored my complaint s and never responded. I then did a subject access request for the office log sheets containing the acceptance and delivery of my parcel even then they ignored and after my letter to management stating I will make a complaint to the ICO they sent me the documents. I then wrote to the CEO of the company and yet received no response. I had no choice other than to seek financial claim of my missing item via the small claims court. £ under 5000 claim. So The Small Claims court acknowledges my claim and gave until 1st of October for the defender the building management company to acknowledge and put in a defence to my claim. I rang the small courts/money claim centre on the 2nd of October who said they have received no information from the defendant however they are 5 days behind. i had to wait until 7th to find out if they had received any correspondence. I ring up on the 7th and yes they have not received any information. I sent in via email a request for judgment by default on 7th October, received the confirmation email, but again it takes 5 days for it to go through. The judgment by default was sent as the courts had not received any information from the defendant at this point of time. On the 8th of October I received an email from the defendants solicitor stating that there is no contractual relationship between me and the building management, and my particulars of claim are not clear, (I have been extremely clearly in my claim form) and that the claim is misconstrued and vicarious and that the concierge company is separated and are hired separately and in so many words saying it’s not them and trying to shift blame, followed by giving me 2 options, A)discontinue the claim B) agree to an an extension for the defence to allow them a extra 1 month to put in a defence C) And if I do not agree to a or B the building management company would file for a summary judgment strike out as the claim is vicarious. And giving me a 23 hour notice to respond via email only and to seek legal advice. Note I received the email on the 8th at 9pm and was given less than 24 hours to respond via email only by 3pm on the 9th of October. And the defendant will claim between £2500-£3000 In court costs and legal charges etc In a panic and surprise that having not any response up to date and all of a sudden a letter from a solicitor o sort legal advice and was told by my legal team to continue with the judgment by default. On the 14th of October I rang the court and was told the defendant on the 6th of October put in an acknowledgment of service but have until the 15th to put in the defence. So the judgment by default is not valid. But can put in another judgment by default if they don’t receive a defence. That’s the basic of what is going on. Now my question is can the defence claim legal costs via small claims? What advice and help would you suggest. What steps could you suggest I take as I am getting stressed out. Thank you and all response will be appreciated.
  5. Companies House today 12/06/18 confirmed that Claire Louise Sandbrook, High Court Enforcement Officer and owner of Shergroup Ltd is officially a resident in the USA, as per her completed form for Persons with Significant Control dated last year on 02/06/2017 (but filed today). 12 Jun 2018 - Change of details for Mrs Claire Louise Sandbrook as a person with significant control on 2 June 2017 - New Country /State usually resident: United States https://beta.companieshouse.gov.uk/company/04771589/filing-history Given that aside from Shergroup, Sandbrook sells her authority as an HCEO to the likes of DCBL and many other HCEO "franchises" does she really have control of the writs issued in her name? With the recent DCBL case it would appear not - DCBL Ordered to pay £20k Maybe it's finally time for a review into the HCEO system...
  6. I parked in a no through road which leads to the entrance to a supermarket car park and a derelict building site, which after many years of standing empty is finally being redeveloped. The road is accessed from a main road, where there are normal road markings and no signs stating that you are entering a private road and there is No Parking or any charge if you do park in it. Shoppers often park in this road for a short time whilst they go the supermarket, even when there are spaces available on the store car park. One day I parked in the road because the supermarket car park was full. I parked for less than 10 minutes behind a car that was already there and didn’t think anymore of this until I received a PCN in the post from a private parking management company. I was shocked that this stated I had parked in an un-adopted road which was no parking allowed and had a £100 parking charge. The council confirmed the road is un-adopted whilst the site is being developed. The company had taken photos of the car I was driving, which was parked alongside a derelict building in the road. The signs stated Attention Private Land – The site is managed & operated for No Parking at anytime and that there is a parking charge of £100. These signs are not in the line of sight of a car driver and when you leave the car to go to the entrance of the supermarket they are behind you and there are no signs in your line of travel. You might see the signs on your way back to your car, but that is obviously too late. The signs are on the perimeter of the building site, which the derelict building is part of, and they refer to “Land” and “Site”, so you would assume they refer to the building site being developed, and not the road. If the road is included then there should be a sign at the entrance stating this is a Private Road and the terms and conditions that apply, as was in the Supreme Court case Parking Eye Vs Beavis. To make matters worse the signs on the derelict building are not illuminated and are less visible at dusk when I parked and when it is completely dark they cannot be seen at all! I disputed the charge with the management company because there were no signs at the entrance of the road and the ones on the building alongside which I parked had not been visible and referred to the building land/site. This was rejected because the IPS had approved the signs and location of them. I tried to appeal to the Site Owner/Director of the company who are developing the site, but he ignored my letters. His company finally did respond after my Father wrote to them. They confirmed that they had appointed a parking management company to control misuse of their land. I and other shoppers, unaware of that this is a private road with no parking, are hardly misusing the land by parking here for a few minutes! Even Police have been seen parking here and I am aware that at least one unmarked Police car was issued with a PCN. The management company have had many requests from the Supermarket store management and people like me to improve the signage and/or paint double yellow lines, to remove any ambiguity, but they have repeatedly refused. One store manager even complained that an employee of the Management company was parking by the derelict building, adding further to the misleading situation. In fact I am sure it was one of their employees whom was parked in front of me when I was issued with my PCN. It certainly was the same type and colour of car that I have seen driving around checking for parked cars. My Father did a study and saw 13 cars park there in one hour one lunch time, including an armed Police woman! I foolishly tried the IAS appeal process, knowing that I only had a 20% chance of being successful, because it is well known that this is not independent at all. True to form my appeal was rejected, even though I had pointed out and given proof that the evidence given by the management company was incomplete and the site plans and photos showing the signs were over two years old and not what were in place when my alleged parking offence took place. The Arbitrator dismissed these facts and still rejected my appeal and asked me to pay the charge within 14 days. I informed the Parking Management Company that I did not accept the decision of the IAS and the reasons why. I stated that I would not be paying the charge and requested that they followed the correct legal process and take me to court and not waste time and money passing this onto a debt recovery company. My letters, including to the MD were ignored and the charge was increased to £160, to cover admin charges. I heard nothing for four months then out of the blue I received a letter from a Debt Recovery company asking for the £160 to be paid. I have denied the debt, and asked them to ask their client to take me to court, so that this can be decided fairly. Their response states if the account remains unpaid it will progress to the legal stage and be passed to the solicitors. I would welcome further advice to what I have already received. This situation has been very upsetting and stressful for my family and I, especially when I am an honest, law abiding citizen, who has not committed any parking offences before. In the meantime, roll on the passing of the Private Parking Bill!
  7. Wow so happy to have found you CAG. Fingers crossed I can beat this. I am devastated, treated myself and a friend to a theatre show tickets were about £7 each. We are both pretty skint and I have now had a charge for £60-£100 quid!!! Theatre Delicatessen (voluntary run theatre) had just moved to the address above when I went to see the show which was on the 24th October 2017. Yesterday 6th Dec 2017 I received a letter asking me to pay £100, or £60 if I pay within 14 days of the date of the letter 29/11/17. (Why have they taken so long to respond but yet I am pressured to pay so quickly just before Christmas and I have two small boys!) The building they have moved into is a retail outlet which used to be a Mothercare outlet. Next door to staples. The show was at 7:30pm. I checked to see if there were any pay and display machines but did not see and other signs (tempted to go back to check where they are) The letter shows registration recognition (but does not show the driver) points out that I stayed 152 minutes and the maximum time of free parking is an hour. I can understand why this is in place as I guess some people could take the mick and go into town but I was visiting a building that the carpark was for and the rest of the carpark was pretty empty except a few others which expect will also have received a charge. I have rang the theatre who sypathetically said that I'm not the only one and that there is nothing they can do about. She pointed out some other places I could park in future and that they have got signs inside the theatre. These were not there when we visited as as it had just opened my friend and I had a good look around. She said they are trying to sort something with the council which is a bit strange as the letter I have had says "Private land" and is from Vehicle control services who are accredited by the IPC. I think I probably ought to call back and ask about this. Could the council have employed VCS. Please can anyone advise me what to to for the best. Should I ignore? Appeal? Contact the company direct and explain the situation? I sense they would not show goodwill. Have I got a leg to stand on??? I look forward to hearing your wisdom I only have 6 days to pay the lesser price if you think I should. Thank you, Gemma:|
  8. Hello people, I am new on this forum so please have patience with me. Last year I was searching for insurance for my girlfriend's car so I went on money supermarket or confused (can't remember exactly which one ) I put the details on there HER being the policyholder and me as named driver on policy with the option for business miles everything ok i got quotes from a lot of companies and we have chosen GoSkippy from the whole list, made the papers put down details for direct debit insurance went on and i though I have a business insurance but I was mistaken. The problems started yesterday when she changed the workplace and the new company asked her for business insurance (she is a career). I phoned the company to ask them to put her also on the business insurance and then i had the surprise when they told me she has the business insurance, not me. I told them that they give me a quote for the business insurance for the named driver, not for the policy owner and they told me that they don't do business insurance for the named driver only for the policy owner and they gave the policyholder a phone call (after 2-3 month we made the policy) but no one answered, and they indeed acknowledged that they had the initial proposal with business miles for the named driver but they changed that and they dint told us. I asked the lady what was happening if the police caught me without the business insurance and they impound the car and she told me i with be to blame.I asked for a cancelation of the insurance she said ok but i have to pay some cancelation fees , and i told her i with not pay because its not my fault either they put me also on the insurance with business miles or cancel for free the insurance and she told me that neither one of my options are available. What options do i have here? Because apparently, i lose either way. Thank You PS : The lady from the phone aknoleged that the conversation is recorded and that they changed the original proposal with the new one without informing us. PS: Please excuse my writing, i am a foreigner i am learning now how to properly write in English. Thank you again for your patience.
  9. Hi everyone, I moved into a rented house June 2018. Recently I received my first water bill, and it shows me that my average use was around 600 litres of water a day. So the amount to pay is £186 (for 2 months - June and July!!)!! That is a complete nonsense - only two people live in the house, and we don't use water more, then anyone else - we never leave the taps open when not necessary, never take shower more than literally 3-4 minutes. But here comes this bill... Thames Water acknowledges that the amount of water consumption is really unusual . They suggest me to contact some "Homeserve", and sent me a leak allowance form to fill. Well, I reported the matter to the agency i'm renting the house from. But it looks like they are a bit reluctant to sort it out. They didn't say "no", but more than a week passed since i reported the problem, and they still didn't arrange anything to establish if it is an external or internal leak.
  10. Prices of some snacks almost triple if you buy them at the station rather than on the high street a Sunday Mirror investigation can reveal. https://www-mirror-co-uk.cdn.ampproject.org/v/s/www.mirror.co.uk/money/huge-markups-price-snacks-station-14004342.amp?usqp=mq331AQCCAE%3D&amp_js_v=0.1#referrer=https%3A%2F%2Fwww.google.com&amp_tf=From%20%251%24s&ampshare=https%3A%2F%2Fwww.mirror.co.uk%2Fmoney%2Fhuge-markups-price-snacks-station-14004342
  11. Hello, back at the end of 2008 I could no longer afford the mortgage on my french and spanish properties, I spoke to the bank but they did not want to help, I ended up handing the keys to both banks. In March 2010 I had a few emails from the french bank asking if the local agent could market the house as they had a buyer, this was all agreed and I didn't hear anything till January 2013 when a uk debt company asked me for full payment. They sent me a full breakdown of costs and they had added 40000 euros in interest late payment fees, court costs etc. I told them I didn't have the money or the assets to pay and that they should refer it back to the bank as they were irresponsible lending me the money when I hadn't sold the spanish property, Forward to Jan 2014 the same uk debt company start chasing again, but I gave them the same answer as above. Today nearly 3 years later they have sent me a letter to my home address stating they want full payment in 7 days or they will recover the money. I never knew that they had opened proceedings against me, but I was made aware that the french start repossession after 90 day, but the bank and the uk debt company are saying the house is still in my name. They also sent me a contract to sign saying the house could be sold for €40,000 when I translated the document the house could have sold for €90,000 ????? they said it was a clerical error. Original debt €117,000 Euros. Total to date is €180,000 Euros . Any advice would be very welcome.
  12. New code of conduct for artificial intelligence (AI) systems used by the NHS READ MORE HERE: https://www.gov.uk/government/news/new-code-of-conduct-for-artificial-intelligence-ai-systems-used-by-the-nhs
  13. New research on the long-term health of 2 groups of older veterans READ MORE HERE: https://www.gov.uk/government/news/new-research-on-the-long-term-health-of-2-groups-of-older-veterans
  14. Hello there, My partner has two student loans with Erudio. Back in March he received a phone call from them saying that his loan had matured and they wanted payment. We asked them to send this in writing and never heard anything, they also hadn’t sent any reminders regarding deferment. he continued with his deferment for his two thesis loans and received confirmation from SLC that deferment had been accepted for both Erudio and Thesis. However we received a letter last week from Erudio demanding payment of the loan. I called them on partners behalf, he has anxiety and cannot deal with phone calls like this. Asked them why he had to pay if the slc had agreed deferment. They said that there had been a delay in deferment and as a result the loan is now post maturity. They said that they will be requesting proof of deferment history from the student loans company?? (Why do they need this?) This morning we received two letters from Erudio, 1 saying that deferment has been rejected, and that they have requested proof of deferment history from SLC and that they have included a copy of the terms and conditions. However these have not been signed and they are just a blank printed copy of the terms and conditions. Nowhere on the letter does it say what we need to do next. The second letter asks us to complete a I&e form within 30 days so that they can agree a repayment plan. However, this all seems fishy to me. In the terms and conditions it says that they will write to confirm deferment threasholds each year and send a pack, but they didn’t ever send anything. They also didn’t send a breakdown of the loans as I requested. They also want me to pay for a copy of the original signed loan agreement... Please can any of you offer any advice on how to proceed?? Thesis are happy with the deferment of the loans so why are Erudio being so difficult? Thanks so much in advance this situation is causing huge amounts of stress!
  15. Hi guys thanks in advance for any replys, all help appreciated. I received a letter through the post to state that I had been charged with the offence of being the registered keeper of an uninsured motor vehicle. The letter I received was sent to my old address (mums house), stating that I either need to reply guilty or not guilty etc to the above offence. The vehicle in question was my old car that was left at my mums on the driveway for her to scrap/sell, I had moved the insurance from this car onto my new car so at this point the car was uninsured. Due to the car being in the way my mum had moved the car onto the road, I'm not sure whether this is why I have been charged with the offence or whether it doesn't matter if it's on the road etc? Next question is I'm sure I never received a fixed penalty notice for the offence, I pick up my post once every couple of months from my mum address some things I still haven't changed address on, is this a legitimate defence to ask the dvla if they can revert back to this stage as I no longer live at the address so didn't receive notification of the offence and the fine I had to pay ( which if I'm in the wrong I'm happy to pay) If it is not a defence that I am no longer living at the address and the dvla are not willing to revert back to the fixed penalty notice stage what is my best bet moving forward? Shall I plead guilty to the offence and provide this information in mitagating circumstances to the court? If this is the case what sort of punishment is likely for the offence and would this constitute a criminal record. Any help or advice greatly appreciated
  16. I'm about to buy a (relatively) low cost item from a small-time online manufacturer who usually sell in large quantities to tradesmen. They have applied a 'low order fee' to make my order up to £50. Are they allowed to do that? (I suspect yes). I noticed in the Shopping Basket breakdown that VAT then also got applied to this fee - are they allowed to do that? Thanks.
  17. The end of an era: RAF Tornado returns from operations for the last time READ MORE HERE: https://www.gov.uk/government/news/the-end-of-an-era-raf-tornado-returns-from-operations-for-the-last-time
  18. I am looking for advice on gaining the removal of a default notice recently applied by HSBC. I'm new to this site and therefore have not previously followed any advice provided by this site. I'm requesting the default be removed from my credit reports as I believe I have been unfairly treated and this default has not been applied correctly. I believe HSBC has treated me unfairly as they refused to offer and agree a payment plan that their Final Demand letter offered, their communications, and application of process have contained many inaccuracies that have meant resolving the situation was confusing and difficult, and the detail of the registered default are inaccurate. I have already raised this with the financial ombudsman and they have upheld the decision by HSBC to refuse to remove the default (verbally stating I'd taken HSBC's correspondence 'too literally'). My next step is to challenge this decision by the Financial Ombudsman but I only have until the 13th August 2015. I’d be very grateful for any advice on how to approach this and what else, if anything, I should be doing. The background I opened an account with HSBC in 1992. I stopped using this account when I changed jobs a few years ago and opened a new account with a different bank which my salary is now paid into. As the HSBC account no longer received my salary and direct debits were still set on the account (these are time consuming to set up again), the account went over the agreed overdraft on a couple of occasions due to my oversight in managing the balance and the numerous direct debits that were set up on the account. As the account was effectively dormant, HSBC changed my account to a basic account and removed my formal overdraft in the months prior to issuing the Pre-Demand and Final Demand letters. I made a number of payments to keep the overdraft at its limit but , largely due to the fees charged by HSBC, the account did go over its limit again and (I subsequently discovered) entered HSBC’s ‘collection process’. Final Demand The Final Demand letter I received in September 2014 stated "We recently issued you with a Default Notice on the above account." I have never received one nor has HSBC been able to provide evidence of ever having issued one. Following receipt of the Final Demand notice I called to arrange repayment of approximately 50% of the outstanding sum with a suggestion of repaying the remaining balance but the agent I spoke to insisted that there was nothing I could do to arrange a repayment plan and I’d have to wait until I was contacted by HSBC Repayment Services (HRS). HSBC did not make it clear on the call that transferal to HRS would result in a default being registered and that the only way to prevent a default from being registered was to pay the full debt at that time. I consider that I was treated unfairly as the repeated offer in the letter to make suitable arrangements appears not to be genuine and as such, and for the purpose of clear communication, should not have been included in the letter. HSBC also declined my request to clarify this by email following the call. I requested this as the advice given in the letter and the conversation differed so greatly and I was confused by the unclear explanation of the process. The Final Demand letter stated "If you do not make full payment or make a suitable arrangement with us..." and under the "help is available” section specified that “if you are unable to pay the full amount at this time, please call the above number and we will try to work with you to come to a suitable arrangement” HSBC have subsequently responded to me to state that “As the Final Demand had already been set, only repayment of the full outstanding balance would have prevented the account from being passed to HRS and a Default registered with the CRA's.” I consider that I was treated unfairly as the repeated offer in the letter to make suitable arrangements appears not to be genuine and as such, and for the purpose of clear communication, should not have been included in the letter. Inaccurate registration of Defaults HSBC have subsequently registered a default with only 2 of the three CRA’s but did so approximately 4 months after they told me they’d closed the account and registered the default. I’m not sure why the default was registered so long after HSBC say the account was closed and why the default has not been registered with all CRA’s. Inaccuracies in registered default Whilst I don’t believe a default should have been registered due to lack of Default Notice, the default that has been registered appears to be inaccurate based on HSBC’s stated aim of showing “a true reflection of how the account has been maintained"”. The start balance has been registered as the default balance and the account was marked as satisfied about a week before the final repayment was made. In addition to this HSBC had never registered anything with any credit reference agency before April 2015 (presumably because my account was opened in 1992 before they were obliged to share information with Credit Reference Agencies) and as the date of closure of the account didn't match the date of closure stated by HSBC as my account closure date I don't consider this statement to be accurate. According to HSBC correspondence the closure date was in November 2014 but no default was registered until March 2015. I spoke with Experian in January 2015 and they confirmed a default had not been registered and indeed no information had been received from HSBC at all. This is after HSBC stated they had both closed my account and registered a default. This position only changed in my Experian credit file in April 2015. The implication here is that I could have applied for credit for 4 months after HSBC claimed they’d registered a default without a default having any impact on my chances to get a mortgage etc. In addition to this inaccuracy, the final sentence of the last paragraph of the first page of HSBC's letter of was incomplete and simply stated "This is reported for 6 years although”. Response from HSBC to my initial appeal I’ve written a couple of letters to HSBC raising the issues around what I consider to be inaccuracies and they’ve not really acknowledged them. Instead they state that sending other letters (a Pre-demand letter and the Final Demand Letter that referred to a Default Notice that was not sent) fulfilled their obligations under the Consumer Credit Act 1974. Response from the Financial Ombudsman to my appeal After receiving the email confirmation from the Financial Ombudsman that they would uphold the decision I requested confirmation by email that defaults can be registered without a Default Notice having been applied. "I can confirm that you are correct, in line with industry guidance and relevant rules and legislation a default notice should be issued before a default is registered to provide sufficient time for the person receiving it, to take action to try and prevent the default. However, when we receive cases of this type, we look at the overall circumstances of what has happened. As explained, simply because you did not receive a default notice does not mean the default should be removed." The Financial Ombudsman did agree that HSBC’s communication, including the call where they refused to agree a repayment plan, could have been clearer but don’t seem to be concerned by the inaccuracies despite stating that there “is a legal obligation for information that is reported to the credit reference agencies to be a true and accurate reflection of the account”. I’d greatly appreciate any advice on my chances of getting the default removed and the best approach to achieving this.
  19. This is a thread to contain my payday loans, my original one is here: HERE Here is a list of the payday loans i taken out from 2011-2014 (ish) The last contact i made with them was December 2017 as instructed by Redbridge Finance a company who was "supposidly" going to help me claim compensation from them. Wonga Quickquid Payday express Mr lender Myjar The money shop The cheque centre To name but a few, there are probably more but it really hurts my head when i try and think back. I am not being chased for any of the above debts at the moment, and not all of them are on my credit report. The only ones that are on my Noddle credit report are: Lantern: a debt collection agency wanting £262 default date 11/08/2014 Advance against income Active securities LTD a debt collection agency wanting £442 Default date 07/09/2014 I'm not sure which company they are from (original creditors) , i haven't heard anything from them ever although all of my debts were taken out at my old address. There are probably more than the ones i listed at the top of the page, but it's going back a long time and feel free to read the thread linked in the top for a short back story going back to 2012. I was hoping for some advice on where to go from here, redbridge tried to put a claim in against Wonga, filed a complaint against the FCA to find they went bust. Thanks so much in advance.
  20. Hi I've ordered a leather apple watch strap from WSC - THE WATCH STRAP CO. The strap was faulty and I returned it back to them within a few days of receiving it and requested a refund. However they refuse a refund and only offer a replacement or a credit. They claim their terms of conditions clearly state that. I am pretty sure that I have a right to a full refund but I am not sure which is the applicable legislation. Is it the Consumer Rights Act or the Distance Selling Regulations? Where can I find the relevant sections? They also have a sticker on the straps that says that you can only return the item when the seal is not broken. I know this is valid for CDs, DVDs or software but I believe this is not applicable to watch straps. I spent an hour with them on the phone but they would not agree to a refund only stating their terms of conditions - which I think are void but I need the right paragraphs when I write a letter to them. Can anyone help me with the applicable legislation? How would you proceed? I am thinking of initially using resolver.co.uk
  21. My son, had received a letter back last year claiming he had parked illegally, the charge was £163, I told him to pay it as it be very difficult to prove there was no proper signage, anyway he forgot about it then today he received this letter with a charge of £270. They say they have obtained a judgement against him and if he wants to avoid it he must pay the charge within one month, if he does that they will contact the court and tell them to remove the judgement. I have never heard anything remotely like this before. I have attached a copy of the letter to this post just hope it comes up ok.
  22. Please could you help? It would appear that my partner's historic debts have been sold off as this is the second issue in as many months... On 28th December we received a Final Demand from Moriarty Law for an alleged debt to Sky for approximately £200. This was the first letter we had received. On 2nd January we sent the SAR and £1 as recommended by CAG. Today we have received a letter stating the following: Please be advised , we are unable to supply copy bills or statements of account. To obtain these you will need to log into the Sky portal using your Sky ID for online services. With regard to your request for a copy of the credit agreement relating to this claim, we can confirm that this debt is for services provided by Sky and not for credit and the Consumer Credit Act 1974 does therefore not apply. Consequently, please find enclosed a refund cheque for £1.... Can they request money with no proof and have we sent the wrong letter in the first place?? Any help would be gratefully appreciated as I'm not sure how to respond. Many thanks for your time JT
  23. While we were all watching the Brexit farce: State Pension Credit will no longer be available to claimants whose partner is under state pension age
  24. just wondering if anyone can tell me what the position is RE liability when there are 2 names on the council tax bill. I only just discovered council tax has been unpaid for the whole year. The bills have been shall we say intercepted before I ever saw them. Likewise any letters from baliffs (the company is one i've had dealings with before - and I don't like them - the seem very underhand.. I digress). So, having finally been made aware of this i'm looking to pay the bill by end of next week. (I contacted the councill last friday about it and got them to send me a bill). However, there have already been visits from the aforementioned baliffs. Just wonder what position is if they come back and try to seize goods and such. And also what the position is regarding fees they might chage for doing so (or any fees they deem to be payable because they have been already). Any help appreciated. Thanks.
  25. On his site people are frequently advised to follow CRA and take errant traders to the small claims court. Success rates appear to be most encouraging. Yesterday, I took a rouge motor trader to a SCC at the local sheriff court, and because of a major error by the sheriff, my claim was reduced by over 66%. What can i do ? Scottish Law
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