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  1. Hi, I'm new to this and hope I have posted in the correct place I need some advice regarding some old debts I have if anyone can advise me please. Recently I had a break down in a long term relationship and now have got myself in trouble with several recent debts as I've been left a single father who has sole custody of my child. I am only able to work part time and have been in contact with pay plan to try and get my new debts sorted. I was silly in my younger years and managed to obtain 2 defaults on my credit file. I have 1 debt with capital one Ba
  2. I brought a 3008 Peugeot from hippo motors in July they have me A1 approved warranty for 12 months and that warranty ain't worth the paper it's wrote on I collected the car 21st July from hippo motors from up north got back to London after a few days noticed there was a shudder to the auto gearbox took and had a few other things that needed sorting like CD player which the warranty did sort on the 10/08/2017 after an arguement with them and they tried to refuse to cover labour costs I had to involve the finance company to get them to pay for the work that was carried
  3. For the last 2yrs I have been kept going in circles by the NHS, I've seen 4 consultants, been passed through 3 different districts and all of them have said the same thing... I need surgery. I have a problem that needs correcting, but there is another problem getting in the way of them being able to do that surgery. They CANNOT carry out the needed procedure until the secondary issue is resolved... I have been repeatedly fobbed off and passed around without anyone taking responsibility for it. Then after almost 2yrs it got bumped back to my doctors to apply for funding for the s
  4. Hi hope you can help I have just received a response to a sb letter I sent to PRA Group in Nov 2018. Should I be getting the following correspondence from them? They have replied with a letter dated 10 days after my sb letter to them as follows: My current address Dear xxxxx Reference : xxxx I write with regards to your recent correspondence regarding the above referenced account. Unfortunately we are unable to fulfil your request as we have not yet completed the required security checks in order to verify your identity The information we require i
  5. Hello BWlegal has sent a letter dated 14th August 2017 requesting a final payment from me. I see that the debt they refer to is a closed account on my credit file and the last record on the credit file was from T/A Payday Express, (and recorded by them) showing as 'satisfied ' default assigned in January 2017. I have not paid any monies toward the debt which had a default registered from 2013 until January 2017. There have been no default notices recorded after January 2017. I have letters from Payday Express and Prac dated April 2017 saying the debt was assigned in
  6. Hi all, Apologies if this post is in the wrong forum, had a look and wasn't sure where to put it. Back in 2015 I obtained a referral to a specialist consultant for a health issue via my health insurer Pru/Vitality. I was issued with a claim number, claim was allowed, saw the consultant and that was that. I had previously seen him under the same process. In 2016 I started to get letters from the consultant's office demanding payment for my 2015 visit. I explained that I had a valid claim via my insurer and told them to take it up with them. A few months later, same thing.
  7. Hi I posted a few months ago about chasing old PPI and this particular one is very long winded dating back over two years. Its particularly interesting because they admit PPI on a business overdraft but wont pay it back and more importantly they continued to take money from a totally unrelated separate personal joint account for two years without my permission(though they have paid me that back) Scores of letters but I have uploaded the relevant ones here for your help. I discovered PPI on a business account and asked them to repay me to which they refused saying I had sig
  8. 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
  9. Paramedics to be given body cameras to protect them from abuse READ MORE HERE: https://www.gov.uk/government/news/paramedics-to-be-given-body-cameras-to-protect-them-from-abuse
  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. Hi, Can anyone offer me any advice on an issue I have with the FOS. I took out life and critical illness cover through a tied broker in 2012. In 2016 I claimed and my claim was turned down by the insurer as they did not know about surgery I'd had prior to applying for insurance. Trouble is both me and the wife know we told the brokers agent all about the surgery on the night he came to get our signatures after checking the application. I made my initial call on the 14/4/12, their agent visited my home on 17/4/12. The FOS got involved after my complaint to th
  12. Hi there, does anyone know if the DWP can refuse to allow you to audio record meetings with a work coach at a Job Centre Plus? I have contacted my local Job Centre Plus office to ask for permission to audio record all future appointments but they have refused . Is there anything i can do about this?
  13. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  14. Hi When I was at university as a single mum, I claimed income support, which you're entitled to do. This was back in 2001-2004! The DWP have contacted me a couple of times over the years saying I fraudulently claimed and didn't declare I was a student. I absolutely did and in any case I would've still been allowed to get income support. They have now written to me to say they have asked my employer to commence deductions from my earnings. The debt is over £11,000! My understanding is that a debt becomes statute barred after 6 years so are they allowed to take this form of
  15. Hi everyone I received this hand delivered letter today from Debt Management Services LTD. They say they are acting on behalf of Bradford and Bingley, I had a mortgage with them over 21 years ago and my house was repossessed. I have made payments on the account over the years but not anything in the last 4 years. The letter says they want to discuss any problems I may be having with the outstanding account. In order to bring my account upto date they want me to contact them. I can't find out much about them on the net, are they debt collectors or bailiffs ? Any h
  16. Ok. Let me try and be brief but also give you all the relevant stuff. Switched to EDF last November. Gave them the readings, which they got wrong 5 times. Eventually correcting them in February. Paying by direct debit. Also applied for warmer home discount and was assured by their chat service it was all sorted and would be applied around March. March came and nothing, told April. April told May. June 1 and I aksed again to be told there was no record of my application thus I would not get it. When I said I had a print out of the transcript in which they confirmed it was all fin
  17. SECTION 75 (Only) Protection when buying Goods using a Credit Card - Section 75 Claim By law, if you've spent between £100 and £30,000, providers should refund you if there's a problem with your purchase. But this vital consumer protection, known as "section 75" claims after the relevant clause in credit law, can be denied to customers, even after a refund has gone through. This is due to a little-known loophole that means section 75 claims can be reversed. Other borrowers complain that drawn-out compensation claims have left them without any goo
  18. SECTION 75 (Only) Protection when buying Goods using a Credit Card - Section 75 Claim By law, if you've spent between £100 and £30,000, providers should refund you if there's a problem with your purchase. But this vital consumer protection, known as "section 75" claims after the relevant clause in credit law, can be denied to customers, even after a refund has gone through. This is due to a little-known loophole that means section 75 claims can be reversed. Other borrowers complain that drawn-out compensation claims have left them without any goo
  19. SECTION 75 (Only) Protection when buying Goods using a Credit Card** - Section 75 Claim (** or any method of Finance covered by the Consumer Credit Act) By law, if you've spent between £100 and £30,000, providers should refund you if there's a problem with your purchase. But this vital consumer protection, known as "section 75" claims after the relevant clause in credit law, can be denied to customers, even after a refund has gone through. This is due to a little-known loophole that means section 75 claims can be reversed. Other borrowers co
  20. We recently made an PPI Claim against Halifax. and we got a letter back from them saying that my wife hasn't had any dealings with them no mortgages or loans. when she had a mortgage with them and PPI and also badly advised on a endowment policy. unfortunately we do not know the policy numbers and don't know how to find them anyone help with this please??? these started in the 1980's
  21. My cheap landline deal has gone from Primus to Fuel Broadband now received an email to say it is sold to PostOffice and the price will increase. I had a look on the web and an equivalent cheap deal is supplied by `Naims`- (£11.50 pm +vat) I had an online form to fill out, no payment details to put in yet but the site was very basic. I only want a landline because I have to, I make maybe one call every few months if my mobile signal is bad. Anyone else use Naims?
  22. Hello all. Been following these threads and others as I am in the same leaky boat I have sent Erudio the template letter (not their own forms) requesting deferment and three months payslips as I usually did with the SLC. Sent it by recorded mail. They completely ignored it and sent me out a new erudio application form saying my own form was undated and unsigned (it WAS both dated and signed by me.) I set up a hotmail account to deal with them faster (no way I would use my real one with these people) will be sending all email correspondence by recorded mail also
  23. About a week ago my sister of 24 years of age and my under aged self arrived in London for holiday visiting our cousin,who is currently a university student. Neither of us has any source of income other than their parents and not having a lot of time to save up for this trip made it very hard for us to get by with the money we were given.Yesterday was our 7th day and we thought it would be a good idea to take some presents for back home but without much money it would be hard to acquire them. We finally decided to steal some but of course it was a STUPID idea.We were taken to the roo
  24. Hi All, Just a word of advice....... If your ever are unfortunate enough to be hit by a driver insured with Royal Sun Alliance, Please make sure you DO NOT LET them try to resolve it even if they admit full liability..... Our parked car was hit by a RSA Client and you wouldnt believe the hassle we have had and is still on going...... * Failed to provide a loan vehicle due to various reasons (staff shortages / Needing to see the original cover note before letting you take car away but they couldnt confirm details of loan vehicle until we got to their pick up point, which m
  25. Cabot have been chasing me for a debt on a BOS credit card from 10 years ago. I've been ignoring the letters and they've now said my account has now been "reviewed for legal action". How should I respond to the letter?
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