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  1. Evening all, I ordered some equipment from Fitness Superstore, checked both items were in stock (it showed as such on the website but I checked anyway)and there is an email trail showing this. As I was having them install it I had to submit a form which I did and they acknowledged receipt. I had to hasten info on a delivery date but once they had been reminded of my order this was set for next Monday (11th Feb). Yesterday they informed me that the Monday delivery is only for one item and the other will be restocked 'sometime in March but they don't know when'. It could potentially
  2. Hi, On a low budget so wondered if anyone could recommend any kind of product which might help my lad cover the surface of this outside wall of his? To remove all the plaster and have it redone will be expensive so he's hoping to DIY and try and get a decent finish which hides up most of the crass mess made by the people he bought his place from. Any idea's of any product which he can paint onto this surface which might hold for a year or two? Thoughts appreciated.
  3. Hi all, Just received (through the post) a letter from Civil Enforcement Ltd. The letter states I was parked in a hospital car park at the beginning of June. Apparently, I failed to display a valid ticket. My issue is, on the day in question, I was in the works van approx. 200 miles from the hospital. My car, which I use on the weekend was parked up, at home, 100 miles from the listed hospital. There is no photos of my supposed car parked in the hospital car park. The letter isn't even on headed paper, only found out the company name from the address on the back
  4. A fitter came to my house on the 20th of June. Unfortunately, when he came to my house he did not have the LVT samples that I had requested from the Carpetright Ipswich store, in order to do colour matching. I thought that was not professional of the store, but nevertheless, I decided to let this go. On the 30th of June I made an order for a Carpet, LVT and fitting on a finance agreement. At that time I did not realise that the carpet in question is out of stock and the customer advisor did not inform me of this. Otherwise, I definitely wouldn't have made the order as I would
  5. I have 4 CC, 2 with cap 1 and 2 with aqua, so all classed as bad credit, credit cards, I am happy with aqua, but cap 1 I am considering cancelling, why, because ive had the cards for over 3 years, use them, pay off, never been late, or over limit, yet my limit on both is still just £200, now, am I cutting my nose to spite my face by cancelling these, ie, will it harm my credit file by cancelling them, I doubt id ever be that desperate to ever need to access the £400 total across both cards, but again, is there any benefit to keep them. Also my wife has 7 cards, but only use
  6. HI I drove into the NCP in Lincoln several times over the last few weeks to collect keys from an office behind. I park in the private car park at the back. You have to drive through the NCP to get to it. I have received a PCN for £100 as they clocked me going in and then leaving 19 mins later. I didnt park in their car park!!! I will get several more of these over the next few days so am livid. Surely they cannot charge you to drive through their car park, it is the only entrance to the private one at the back that they dont own. Also, now they photograph you arrivin
  7. Hi, This morning I had a very important meeting that I could not miss and went to park in my usual car park. Unfortunately it was full, this has never been the case before, but I sucked it up and used the larger car park across the road where the minimum stay is 4 hours and they charge £2.50, this is why I never use it. This car park is never more than half full, but was full today. Obviously something local was going on as this has never happened in all the years I have been parking. After driving around for 10 minutes and no space appearing I saw a space that was no
  8. Will try keep it brief... Aug 2017 i cancelled dd this was due to my daughter been placed with me by local authority , money was tight with everything(food on table) Due to the things happening around the case and my well being of my daughter priority i totally over looked the November dd or payments. I was spending all my time on pc doing research for my situation, tv was been used on android box iptv 24/paw patrol and terrarium kids movies January knock on door( i was up to eyes in paper work for case) let him in explained the reason for overlooking it (even
  9. Hi, I have joined here after reading an exceptional amount of valuable information regarding Blemain Finance (or Blemain Group) now operating as Together. About myself: I am a law graduate and helping a friend with his mortgage taken from Blemain. About the friend: From what I can see he has taken a total of 5 "charges" over his property from Blemain over the course of 2013 to the present. It started with £15,000 and now he owes 4 times this amount. That is not to say he did not exercise his own will, but so much about their operation is incredibly DODGY (for wa
  10. I ordered a wooden bed frame and was promised it would be delivered today so got my old one taken away before this one was due to arrive. Only two of the 3 boxes arrived with the courier and there is therefore no way to build the bed until the last part gets here. I live in a bungalow and have osteoarthritis so am not able to sleep on a mattress only, nor is my sofa a suitable alternative. I am therefore having to stay in a budget hotel for the weekend as I have no friends or family in the area. The couriers say they have never had the item and the company (Getlaidbeds) say
  11. Hi, It's been a while, haven’t been well for some time due to issues that occurred in a previous (recent) thread of mine, but after a year I’m starting to come to terms with what happened although I have been left in a financial rut. (I am not entitled to compensation so I thought about selling my story but don’t know how to go about it) Recently Wonga, and two MMF entries have now disappeared from my report I decided to check my Exp report and see how I really do stand financially since the "Great Advantage Finance Escapade" and forking out £3,500 for legal fees last year.
  12. As I posted. I am not sure if this site is the best place for this sort of thing, but I am hoping to find out more about this so as to try to negate what I strongly suspect will be a contentious time when my mother dies. I live abroad and visited my mother in the UK when she turned 99 last month, as I have done for the last 9 or 10 years. She was pretty healthy last year but has begun to show her great age this year. Although still fairly compos mentis, she has become quite deaf and started to become more forgetful and confused. She can still get about somewhat but is now also very sl
  13. Hi, new member here. Looking for advice on an issue with a garage that I've posted about. Looking forward to some help!
  14. Hi Guys, This is my 1st Post so not sure what the rules etc are. I am 25 years old and had unfortunately fallen into the trap of gambling however I have recently (2months back) started GA. The good news is that I have not had a gamble since starting the programme however the bad news is the large amount of debt it has left me in. Whilst gambling I was applying for payday loan after payday loan desperately trying to find the funds to continue with gambling. I was allowed to get payday loans easily to feed my addiction. At one point I believe I had 7 payday loans from different co
  15. Our car was clamped last week. The agent said we had 7 tickets and everything had been through court. We had NO IDEA of any of this. car still registered at our old address (we moved 3 years ago and post not forwarded after initial 3 months) so maybe this is all true. We paid £500 to have the car un-clamped and was told this covered ALL 7 actions. They promised to send through list of all tickets. But did not. I am complaining about this. My question is: I may well have 7 tickets (but from various jurisdictions - congestion charge,
  16. Hi-a company has essentially not paid £300 of mine. I recently sent a final demand letter via tracked post and i can see that it was not sign for at the other end, it is actually being sent back to me. They are also not responding to emails although they were responding before. Can someone please tell me how i would go about suing the company. thanks!
  17. In May 2015, I started a thread on this forum regarding a debtor (Mr OR) who had followed advice from the internet and had issued an injunction against a local authority after his vehicle had been clamped by a bailiff. The debtor considered that his vehicle should have been exempt as it was subject to finance. Unfortunately, his injunction failed as the Judge ruled that there could be a ‘beneficial’ interest in the vehicle. Mr OR was ordered to pay the local authorities costs of £3,200. This was in addition to his own costs (the fee for the injunction alone was £395). A link to
  18. Hi all I need some advice on an issue that I have with Sixt. I will put in all events to hopefully give the full picture. 15th Feb hired a car at my local Sixt car hire office for 24 hours. No excess waiver taken On checking the car with the employee I noticed some scratches on the front reg plate and bumper. I was told that these slight scratches did not count as damage. I signed the employees pda computer and was given the keys. No paperwork except the reciept that I signed in the office prior to going to collect the car. I did not have a camera to use at the time. T
  19. Hello all I'm going for my first signing on JSA after many years. I remember previously I had 3 different types of job titles that I was looking for - eg, care assistant, sales assistant etc. I'm wondering if that's still sufficient or is there a minimum number I need to list? I just want to know what I should expect really - bit nervous. I've been told to bring in my CV (haven't signed up for UJ) for my first interview - should I have it redacted? I'm very privacy conscious and I've read how very little I can trust the DWP with anything. Thank you - appreciate any guidance
  20. Hi all, I went to re-tax car after 12 months tax was due to expire, only to be told that although tax had been purchased on 25th October 2015, that they had back-dated this to the beginning of October. Not very pleased about this since I have effectively lost almost a month of tax! However DVLA clearly don't care, and I imagine they make a lot of money off this discrepancy when a car changes hands. luckily we had not been stopped during those 24 days that I thought we were covered. When I rang the DVLA though, it turns out that the reason they had n
  21. Hi, Firstly thanks for all the help and advice in the past, I have donated previously to help keep this fantastic resource continue it's good work. As the title says I was caught on speed camera on the M25 a few months back, I immediatly pleaded guilty as I knew on that day I was over the speed limit ( I am shocked by the amount though). You will read from my letter below why I was speeding, as I say in the letter it is no defence and completely agree it was wrong, it was the first time in years I had forgot my son's vital medicine, two large mistake's in a day
  22. i have been dealing with housing options as well. this is about my landlord misleading me from the start with fraudulent tenancies. ie 1 making me pay a bond and months total £600 for my own tenancy in a two tenancy house 2 making me sign and witness the other tenants tenancy and £600 when, in actual fact, he had not paid a bond or months rent at all. i was told this three months later by the landlord in a recorded meeting 3 the landlord did not protect my bond and as a result of this, I am in a horrendous position 4 the landlord returned my bond 2 months after i paid it and then c
  23. As I'm nearing to my last year of my loan. I just thought I take a closer look at my statement this month. OH MY WORD! I took out a £20k, 108 month secured loan on my property in Oct 2007. Up to now, I am up to date. From 2007-2011, on 4 occasions I made late payments. Some arranging from 4days-2 weeks late. From Feb-Dec 2012 I lost my job, and fell into arrears. But within that period, I managed to make 4 payments which covered 4 months. And because I was able to find a new job, in December I paid off the remaining arrears. Since then, I
  24. Have you received any kind of communication asking you to make contact because there is a parcel for you - or for some other unexplained matter? We would like to know about it. Such contacts are illegal under the FCA conc regs - specifically - http://www.consumeractiongroup.co.uk/forum/showthread.php?426126-CONC-7.9-Contact-with-customers Here is an example of card left by APS. It breaches FCA regulations in a number of ways. We would be very interested to see other examples of this kind of contact. Please post up your letters, cards or other examples in this thread
  25. My landlord has submitted a claim and now I have a form for defense. I have been abused by the landlord over 4 years and last year I finally managed to have the council serve a notice for repairs which were done in the worst manner possible. I know the following: 1. I was never given details of my tenancy deposit being protected until now where I have seen them for the first time 4 years on. 2. The name on the claim form for the landlord is the wrong surname 3. The council requires a landlord to have a licence prior to submitting a section 21 and this was not done. 4. The court
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