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  1. Hi, I set up in busniess 5 months ago, in a shopping centre which is privately owned. They have undeground loading bay and parking, the parking spaces are only for those who have it in their lease. I do not. I unload stock every morning, and after a while started to just leave my van there, no problems as it was out the way, and I found the security giards were just handing out the tickjets to anyone who did not have a business in there, no one used it really.. This changed in March when they brought in UKPC, I have since amassed 10+ tickets as I ave been leaving my van there, I have spo
  2. Ok heres the deal. I signed up for a 3 month virgin active membership back around july, after one months use I wanted to cancel, they wouldnt agree and the idiot manager would not even agree to simply talk with me. I didn't use the gym in the last two months but they don't care and the contract doesn't of course. Arc debt collection has been dealing with me, I owed around £170 or something in total ive already paid £90 worth, maybe that was the wrong decision but I do not want to pay them the remainder. I've set loads of dates to pay and many I have not pai
  3. Hi I've been getting a number of letters from different debt companies and i stupidly ignored and even stopped opening them. I now have a letter from Northampton county court ordering a payment of over £8,000 for a certain credit card bill. I however suspect that this debt might be over 6 years as i remember getting into financial difficulties and defaulting when i was on maternity leave six years ago. I have read a few threads on here that mention doing a set aside and am guessing this is the route i need take, but am not sure who to contact regarding how old
  4. I received a parking charge in 2013 for 2 mins stopped at the side of the road at Liverpool Airport. VCS took a photo and sent several letters in 2013 from various "debt collectors" etc - I ignored everyone like the advice given and about 12 months later they stopped. Out of the blue BW legal seem to have bought the data and sent me a claim letter for an alleged office in January 2013. for £100 PCV charge plus £54 legal costs? is there a time limit for these and can they go back to all that time and start again?
  5. I've copied the post I made in another website forum based on the information they gave on their site and the advice given on the forum as well. Up to this point I have only sent in my application to set aside the judgment, I also added at the end to stay the writ and complain about the bailiffs to requesting an investigation into their charges as well. I've no idea if I've done any of it correctly. I was out of time I think and had to have it in the post Friday or so I was lead to believe. I proved my insurance company claim was put in to deal with the case and
  6. I have a credit card debt being collected by wescot , I stopped all contact with them for numerous reasons and now they are sending letters to my mother in-laws house stating they know I live there , I don't and never have , surely this against the law
  7. Hi, Sorry for the details but its been a long stressful journey that never seems to get better. We started the process of buying a new build property using the shared ownership scheme in early July. We used the builders recommended mortgage brokers and conveyancing firm. This is where the problems started. The mortgage broker messed up our income calculations and we ended up with a hard credit search from a lender that would not have lent to us. They then could only find 1 more lender who deals with shared ownership but needed 5% more deposit. We managed to
  8. Hi all. Please could anybody give advice. I am having financial problems and decided to cancel my BT phone, internet and tv and switch to Talk Talk to save £25 a month. My BT account contract is up start of October so I set up my new account to start in September. BT want paying for the part month which is fair but also want to charge me £65 for Broadband equipment and £24 for TV equipment which seems unfair. Is this right? I'm doing my best to reduce my spending and that feels like a kick in the teeth. Thanks in advance
  9. A Builder I paid to do work, did only 70% of the work and more or less abandoned the job for a much bigger project. I had to engage somebody else to finish it. I wrote and threatened legal action, he laughed in my face. I sued in the County Court for £6,500 and won by default because he did not even bother to send in a defence, instead he sent me a check for £1000 two days before the deadline for his reply to the case, asking me to withdraw the case that he will endeavour to pay the balance because he is strapped for cash right now. He then applied for the judgment to be set aside
  10. My sister has been refused benefits because they think - erroneously - she is earning 130 a week, when in fact she hasn't worked since January. They said they based their decision on her tax return (actress, self-employed). When she asks, that's all they say. She needs to see their detailed calculations and what in the tax return they used to arrive at this wrong conclusion. Can we ask for that? Thanks.
  11. Hi Guys. Not proud of this even though I am having some problems. I have received a summons for not paying a fine (not taxed) on time and they won't let me take an out of court settlement although I have been in this situation before with them (several times) and have been able to pay out of court. When I phoned they said there was a note on my account and the legal team won't speak to me. It seems odd that I don't get an explanation or can speak to anyone about it?
  12. A friend sent me a birthday parcel from Germany containing clothing and household textiles worth approx 120 Euros. They used Hermes Germany, and tracking showed Hermes UK delivered it this morning. I was home all morning, all day in fact, and there had been no delivery. Nor did I receive a card, saying where they left it. I also checked with the neighbors, no one had received my parcel. myHermes international chatline is no help, they couldn't even find the parcel on their system because the tracking code only works on the Hermes Germany website. But anyone using the code can easily see
  13. I am a landlord, I did think this might go into the lettings forum, however I think it could be a general legal issue relating to contracts. We have a joint and several tenancy agreement for tenancy due to start next month, students. (Downloaded from National Landlords Association so hopefully current. Note my LL NLA membership has lapsed but they do keep giving me free access to the document library as an ex member) One tenant wants to exit the agreement and has been very helpful in finding a replacement T. The other T's are happy with the new T so wish to employ a "deed of transfe
  14. I am a landlord, I did think this might go into the lettings forum, however I think it could be a general legal issue relating to contracts. We have a joint and several tenancy agreement for tenancy due to start next month, students. (Downloaded from National Landlords Association so hopefully current. Note my LL NLA membership has lapsed but they do keep giving me free access to the document library as an ex member) One tenant wants to exit the agreement and has been very helpful in finding a replacement T. The other T's are happy with the new T so wish to employ a "deed of transfe
  15. Family member is looking for an older car and has visited several smaller dealers to test their offerings. In many cases these car dealers won't accept part or full payment by credit card !!!! Some offering personal warranties, not even these insurance backed ones which are not worth the paper they are written on. This means they are trying to effect a private sale with no come back on them if things go wrong. In all cases, price is not negotiable, even without a trade in. This is happening in East Central Scotland-----How do dealers operate in your area??. The other thing that is ratt
  16. Hello all, Mods please move if in the wrong section? About 8 years ago I had a Debt Relief order against me. I've recently decided to contact all the financial companies I had dealings with and see if I was miss sold PPI any form? I have had Barclays admit they mis sold PPI and compensate me £1075 Hsbc I've not had a reply from yet? However capitol one have stated that they are making a redress payment to me of £ 60:45. Today I got a letter from capitol one saying that they have refunded the full amount and that it was Added to my account to reduce the debt
  17. Good Evening, I leased a business and took over on the 9th April 2018 a Sandwich Shop and the Proprietor who we took over from had her Electricity under contract with Npower. The previous owner and I took a reading on the day we moved in and they moved out. The reading was 91738 and that was given to Npower on the 9th April 2018, I then kept trying to contact them for us to get prices from them so we could compare with other Electricity companies and see who we wanted to be in contact with. Npower said that they would get back to me on the 10th April 2018 and I hear
  18. Hello, I have received a number of letters from DRP (the debt recovery company that NE Parking Ltd use). My car was parked outside a hotel that has been closed down for over a year from 8-11pm at night. put a ticket on the windscreen so far down that I didn't notice it was even there until 3 days later when I turned my wipers on to wash my windscreen. The picture they included on the original letter shows my car but doesn't have the ticket on the screen in the window. I have ignored about 6/7 letters from them and now have received a 'final settlement offer to avoid
  19. Hi, My 9yo son was injured on holiday and my travel insurer wants to use a solicitor for the personal injury claim that happens to be part of a group which also collects debt and I have had some dealings with. Can anybody tell me, if this solicitor secures compensation for my son's injury, if the company can then retain it against my debts? Many thanks in advance! rune
  20. Seven british Army soldiers killed during World War 1 are honoured as they are laid to rest READ MORE HERE: https://www.gov.uk/government/news/seven-british-army-soldiers-killed-during-world-war-1-are-honoured-as-they-are-laid-to-rest
  21. Major crackdown on abuse of 'debt' judgement by rogue parking and utility firms is announced Ministers will pledge action on abuse of county court judgments by rogue firms Anyone who has had a CCJ without their knowledge will have it removed The Govt plans to immediately set aside all backdoor CCJs for those who can prove to a judge that they did not know about it when it was passed. http://www.dailymail.co.uk/news/article-5214075/Action-debt-judgement-rogue-firms-abuse-announced.html
  22. 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
  23. I left talk talk after several years up to 2017 and had no yearly contract to honour due to it expiring. Quite simply they didnt provide me a working internet, blaming some issues with their line management software. I finished with them and didnt pay them for the time the line was not working. They sent me bills but I just could not pay them due to the principle of it. I tried to call their staff to explain that I am not going to pay when I didnt receive service, but wasted effort of course. Now talk talk are threatening credit score points against me if I dont pay.
  24. Woman leaves abusive note on Ambulance. "A woman has been arrested on suspicion of public order offences after an angry message was left for paramedics attending a 999 call in Stoke-on-Trent yesterday afternoon (18th February)." http://www.itv.com/news/central/2018-02-19/woman-arrested-after-abusive-note-left-on-ambulance/
  25. Evening everyone, I recently purchased a 10 year old car for around £2-4000 below asking price. Also secured a 3 year warranty. All good. Drove it away and a 'Check Engine' light came on. Took it back and they plugged it in, fuel pump issue. Replaced that. Light still on - turbo issue. Took it too a garage, needs a new turbo costing £1800. As it's only one of them, the garage, under the Consumer Protection Act, will pay for it. Cool. Although, advised by the garage that if you replace one, you should replace both. Due to the, apparently, small profit margin, t
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