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  1. HI, apologies for randomly contacting you https://www.consumeractiongroup.co.uk/forum/showthread.php?488162-VCS-final-demand-before-court-action - I have received a similar letter from PCN today re a PCN in Edinburgh from May 2015- can I ask what you did re your case? It was def my car, but I was not driving it at the time of the PCN!! Thanks
  2. Hi all, To make this as brief as possible, I had a second charge on my property with Nemo personal finance. In 2007 the property was repossessed due to a lot of bad luck and the original lender sold the property over £50,000 less than market value just to cover their own expenses (G E Money) which left nothing to pay off the second charge. I have been battling this loan on and off ever since and during this time Nemo took me to court and won because I never defended the claim and this was due to the fact \I knew nothing about it. I agreed a miminal payment to them which
  3. https://www.consumeractiongroup.co.uk/forum/showthread.php?472472-Please-help.-work-mileage-tax-rebate-Missold-a-service&p=4977504#post4977504 can i ask whats happened with you and this company as they have done me over too and are threatening court
  4. Hi, Hope everyone had a good bank holiday. I (and three others!) missed crap signage and got a Contractual Breach Charge from Ethical Parking on my windscreen over the weekend. Just double checking that it is currently still best to do nothing until a notice to keeper arrives (between 28 and 56 days) before I take any action on one of these? Then if it (NTK) arrives on time post photos of it and signage on here for assistance? Just don't want to get it wrong! Thanks!
  5. Civil news: rule change for clients threatened with homelessness READ MORE HERE: https://www.gov.uk/government/news/civil-news-rule-change-for-clients-threatened-with-homelessness
  6. Civil news: rule change for clients threatened with homelessness READ MORE HERE: https://www.gov.uk/government/news/civil-news-rule-change-for-clients-threatened-with-homelessness
  7. In 2011 whilst awaiting a redundancy payment from my previous employer I received a payment of £3600 into my bank account. As I had been waiting almost 6 months for my payout, I assumed this was some sort of interim payment and used it for living expenses as I was unemployed. After eventually receiving my full redundancy payment, it became clear that the initial £3600 payment was made in error by my previous employer. I arranged a payment plan and have dutifully paid this initially at a rate of £40 per month reducing to £20 per month when I submitted a new RFI due to a ch
  8. Good Evening all, I was wondering if someone could help me with an issue I have about a Barclaycard that I opened in 2005. I build up a balance of around £4000 but paid it off in full in March 2012, I have clear evidence of this as I kept most of the statements and you see the balance goes form £4000 to £0000 (although the statements do not say payment received). I also have 22 following months statements with a balance of £0000. I did not use the account after I paid it off (cut up the card) and after receiving nearly 2 years of statements, they suddenly stopped and I thought
  9. Hi, Received a call from unknown number just before Christmas asking me to ring a number to discuss a matter - I didn't. Today have received a letter from Redwood Collections whose number it turns out was the one I was requested to ring. Letter is below, and is all they have sent to me, but my request for assistance from CAG (legends!)is what should be my first step with dealing with them, who I have never heard of or dealt with, as yes I dispute the whole debt for myriad reasons, but I want to be seen to be doing the right thing by replying to them - wit
  10. Hello All, Today i received a letter from my local council leasehold team asking me to pay an outstanding amount within 2wks or face court action. i received what seem like a bill for 2 years in March 2017 i started to query this and they told me it was what was outstanding from a previous year - what year is this? 2015. Before i got to this point it took 2 months and it felt almost like a cover up, eventually someone explained what had happened. In 2015 i was sent a bill £ X, paid by 10 monthly instalments, but instead of applying my payments against the £X they app
  11. Hi, I currently am in breach of a suspended possession order dating back to the 4th of september 2015. An order was made that i had to pay an extra £1000 on top of my normal payment of £650 per month in order to pay off the arrears of £6000... at the time i was lead to believe that i had to accept this or the judge would def evict us in desperation agreed...i know now that was a mistake. I actually did manage to just about get the arrears under control by selling most of the contents of my house and stopped all building works. ..which was what put me in arrea
  12. Its a first post I'll be brief. One year left on mortgage. trouble with payments, only £7000 left to pay and will be paid off next year. Santander want to threaten me with litigation and take me to court. I was forced to take early retirement couple of years ago due to cancer. Any advice? going through the usual channels RE debt advice, expenditure etc cheers guys Meicimac
  13. I was caught stealing at tk maxx today. It was a very foolish thing of me I admit. Something that costed £7.99 and I didn't want to pay for it as I had already purchase worth £70.01 at tk maxx and didn't have enough money for what I wanted. I took of the security plastic tag off the box and put the item in my bag while I got busy with my daughter as she was crying and kicking a fuss. I continued to checkout with all my other items amounting to £70! Then left the premises. A security came running down the stairs and spoke to me saying I believe you have some
  14. My friend has been working for the same company for over thirty years and recently had to fill in some sort of assessment form in which they asked if he had any financial issues that they didn't know about so out of honesty he said yes, I have an IVA, which is almost satisfied and has been adhered to from day one. The company have been very unpleasant about this and are trying to say that he is a high risk because of this and are threatening him with the sack over it. He has been through a grilling today and they're asking for further evidence next week before they make 'a decision'. There is
  15. I would like to ask for any advice about enforcement agent, Bristow & Sutor (B&S). 3 months back B&S enforcement agent was in my rented house for the first time and tried to get into by locked door but I was alone at home as my partner was in Medical Centre at this time and I didn't opened. EA also been in my neighbour to get- I suspect - information about us because she let him in (we have non-friendly "relation" with neighbour). I didn't opened because of fear, I thought that was crime, I haven't had idea that was agent from Council, he left letter with his mobile
  16. Hi guys, happy new year to you all! I hope someone could give some advice/their point of view on a situation that has arisen with a previous employer and staff member of my previous employer. Around July last year I started working for a new employer, following on with a career path in IT repair which I had worked in for three years previous. I successfully passed my probationary period of three months and subsequently was given a full-time contract. After reading through the contract, it became apparent that my job title was incorrect or was not for the position I applied for. So I had a
  17. Hello, I hope someone can help. My wife bought a second-hand laptop from a local, independent gadget store. Two months after she purchased it, it died. She had been told (in person) at the time of buying the laptop that they were all inspected before being resold and could be returned to the store if they stopped functioning within 12 months. But when trying to return the laptop, the same man who sold it to her claimed he didn't say such thing and is refusing to help. Obviously we should have got something on writing, etc; but that's not what I'm seeking
  18. http://www.mirror.co.uk/money/letting-agents-tell-disabled-couple-5996637
  19. I had a visit from a HCEO today in relation to a high court writ for unpaid water bill totalling £1800. After explaining I was attempting to sort finances in order to apply for bankruptcy and that I had no other money or assets, he said if he could enter the house and see that i did not have enough goods to enable the debt and charges to be paid, he would report that back to the creditor and they would be unlikely to attempt to control the goods for sale. I was cagey about this to say the least. I said i was unwilling to let him in for obvious reasons. He said that if he w
  20. Hi there, I am not new, I have another account but I have forgot my login details also in the past I have post content which was not acceptable and I have learnt from that mistake and I am very sorry and it won't happen ever again and I created a new account as I need some very urgent advice. On 5th of February, I made a complaint against my advisor at Job Centre because she keeps threating me with a sanction on my Universal Credit claim all because of my gay slogan t-shirt which has the slogan (NOBODY KNOWS I'M GAY), she said that if I keep wearing my gay t-sh
  21. Hi, Last year I was working on an electronics project for a car, which I posted on a forum many and people got excited about and wanted to buy for their cars. In the end, I decided to raise money to bring the costs down so I can buy the components in bulk. I sold 4 pre-orders for £65 each which was literally the cost for 1 unit per person. The total was £360 that was raised (Someone donated an extra £100 but made it clear he didn't want it back, although my intention was to refund him at some point). I spent over £500 in total for the parts since everything had to bou
  22. Hello, Just wondered if anyone can advise. A friend has recently purchased a vehicle through ebay. Shortly after the updated V5 was received a letter was received advising that the vehicle had outstanding finance and that it will be repossessed on the 23rd of this month. I have done some digging and it transpires that the previous owner never sent the V5 off and that the logbook loan was in fact taken out by the previous - previous owner. I have the name and address of the previous, previous owner as it is on the logbook, furthermore I know wh
  23. Battle of Britain chapel to 'the few' threatened with closure to save £50,000. Winston Churchill said St George's Chapel of Remembrance on the site of the former RAF station at Biggin Hill in Kent should be a permanent shrine to ‘the few’ who gave their lives during the Battle of Britain. http://www.telegraph.co.uk/news/uknews/defence/11324206/Battle-of-Britain-chapel-to-the-few-threatened-with-closure.html Please open the link and click on the e-petition link in the text or click below to go direct: http://epetitions.direct.gov.uk/petitions/73191
  24. I have been in the same job at the same place for 10 years. In 2011 I was diagnosed with work related stress/depression and was signed off for several months. I did return to work on a phased return but did experience some harassment from my boss and after a year or so the problems flared back up and I was signed off for about a month with work related stress/anxiety/depression. Again I came back on a phased return and I insisted on completing an individual stress risk assessment where I listed some of the factors that contribute to the problems. I had one meeting to discuss tge assessme
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