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  1. My Mother is 96 and has had a M&S CC for many years, used for phone and online shopping which also gave her a feeling of independence as she rarely left the house. She began displaying signs of dementia late last year following a stroke, then fell at Christmas suffering a v serious head injury and was not expected to survive. She was eventually stabilised, though only after two scary doubt-filled relapses. It was then immediately clear that her dementia had deepened v substantially, and to make a long and very evil story short my Mother has in just a few weeks been replaced by s
  2. I used parcels2go to send a loaded guitar body, it went with hermes, the order was placed on the 6th Jan it never arrived at its destination which was no later than the 14th Jan, i paid extra for insurance and it was insured for £70, when i enquired its whereabouts some one at parcels2go said they would look into it and get back to me within two days which they didn’t, so i contacted them again, they then opened an enquiry to find out where my parcel was which they then said they would contact me by the 30th, again they didn’t do that either so i contacted them again and was told they are stil
  3. Hello everyone, Yesterday I received a Penalty charge note for a parking offence in Budapest in month of August 2016. It is about 6 month ago. The company which is representing the charge is called Euro Parking Collection Plc or epcplc.com I do remember visiting Budapest and staying for few days but I did always paid for my parking but unfortunately I do not have the parking pay and display proof after 6 months of time. They also send me a link for viewing pictures of my caddy parked in the street and had a penalty charge note placed under my wiper which I never found it. My qu
  4. Hermes Courier broke window stay shoving a parcel through my porch window. The parcel wasnt for me but of 6 doors up and they didnt try delivering there or ringing my doorbell. Made a complaint and that is where it all went wrong. they mixed my name up with the intended recipient of the parcel. The manager who I spoke to and agreed that I would get a mate to replace the catch and he would send something nice as a gesture of goodwill. Well it didnt arrive and after a total of 12 more calls it turns out that the idiot didnt know what gesture of goodwill meant and so didnt
  5. Hello all. So todayI received a “CONTROL OF GOODS” letter at my house from Newlyn. It was for a PCN which I had received, whilst the car was registered in my mum’s name. Since this January, the car has been registered in my name. Also, the house is in my name, but the car has always been registered at my home address. Cut a long story short, my folks split their time between our house in Spain and the UK. When in the UK, they are based at my address. They wanted £248 paid by the 11/07, but the letter wasn’t received by them until the 22/07, as my folks were away until then
  6. Hi there CAG Community! So relieved there is hope out there - CAG!! In a nutshell, I have lived in Abu Dhabi, UAE, for many, many years.. I had a credit card and a loan, of those in the know, is a must if you are in need of renting any property as x2 payments up-front are needed..Anyways, long story short, I have always paid my loans/CC's on time, every time. In Dec 2017, I was unfairly dismissed, (part of the emiritization restructuring) and was given 3-hours notice to leave. Contravened Labor Law, thus was unlawful (which didn't make a difference) desperately tried to fig
  7. Hi Just received a claim from Howard Cohen this morning. Just wanted to check what I need to do. 1st - Acknowledge claim. Can this be done online? 2nd - Send CPR18 to Howard Cohen, as belows [template removed - dx] 3. Wait for reply.
  8. Hi I purchased a sofa on eBay from an actual company, as opposed to a private seller. I paid using a credit card, but as it was on eBay, it went through PayPal. I entered my card number directly, rather than using it as a funding source, if that makes sense. I.e. it was a direct purchase with my card rather than PayPal being used as a staged wallet. I make this distinction because I wanted to know whether this gives me any section 75 rights. So anyway the sofa broke after 3 months. The wood supporting the legs broke so the legs went up inside the base.. Although it was only £1
  9. Seems a bit surreal have just been denied a breakdown because the car was within 1/4 mile of my home despite being 0.4 miles by road. If I want to claim I have to pay £60 now + add £6 a month to my policy. Ive had a look at the policy and it states within 1/4 mile. Nothing about it being measured in pigeon miles. I'd go as far as to say the whole things crazy. I guess what i'm wondering is do I have any grounds for complaint?, luckily my dad has been able to recover on his but its still a major inconvenience and I just cant get the logic other than them deliber
  10. Hi, I have been paying off an old debt to original creditor at £10/month for the past 9yrs. I recently got a letter from Nolans Solicitors telling me that Marlin have appointed them to request payment of the full amount which is over £9k, a way load more than original debt. I have noticed the original debt is no longer on my credit file I have still kept paying the £10/month to the original debtor. Can anyone advise what I should do? It was taken out about 12yrs ago. Thanks
  11. Apologies that this is a long post. This is my first time on any kind of forum. I have tried to summarise but my 2 1/2 year dispute with Npower over inncorrect bills been a complicated and very distressing process. I will be very grateful indeed for any advice on how to proceed legally through the Small Claims Court... We moved into a flat in Sept 2013 and when I called to give Npower the opening meter readings I asked to confirm what meter and tariff we were on. I was told it was an Economy 10 meter and noted down from the conversation that there were 3 cables which would give a
  12. I had a loan with Blemain about five years ago. The loan was secured against my property. After two years I remortgaged and repaid the loan. I have checked the paperwork recently and noticed that I was charged £4,681 for collection costs. I have now written twice to Blemain asking for a detailed breakdown of these costs. The reply I had today said, the costs were "as a result of administrative costs applied to the account". I know that! They don't seem to want to give the details of the charges. I don't know what to do now. Shall I w
  13. Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue – What is the claim for – 1.The Claimant's claim is for the amount of £800 being monies due from the Defendant to the Claimant, under a Store Cards, Credit Cards agreement regulated by the Consumer Credit Act 1974 between the Defendant and Vanquis Bank Plc under account reference xxxxxxx and assigned to the Claimant on 14/04/14 notice of which has been given to the Defendant. 2. The Defendant has failed to maintain the contractual payment under the terms of the agreement and a default notice has been s
  14. What information is required by an Agency if someone wants to rent a flat/property ? My niece was asked for : Passport Driving Licence 6 months pay slips Employers Reference 6 months bank statements Utility Bills She was then charged £400.00 for the agency not showing anyone round the flat she was interested in whilst they were doing credit checks? Surely these take no time at all now? She was also advised that should the credit check not be satisfactory - then she would lose the £400.00 anyway? All this was aside from the 2 months rent in advance.
  15. Hello All, I would request someone's help on how to proceed my case in the court. I have made overseas funds transfer from my HSBC account to one of my Indian friend account on Sep 1st 2016. I have received the confirmation from HSBC about my debits to my address but the transfer did not happen from their end. I understand there are some processes they have to follow it, but I feel which is not properly streamlined and it’s really putting the customer into frustration. It was an emergency situation that I need to support financially through this fund, but because of the issue
  16. Hi all, I bought a car through a private sale a couple of months ago, (£1750) it was advertised as in Good Condition. It was test driven and all okay. Bought the car and within a couple of weeks there was an issue with starting and the lights on one side of the vehicle failed, as well as no reversing lights. I have just picked up the car from my local garage and they have fixed the light problem, broken wiring (£159) I had also asked them to check out the starting problem. and they have advised the following. 2 x diesel injectors found to be leaking fuel back to tank cost o
  17. First of all, thanks all for contributing to this forum, your time and efforts are highly appreciated! I have received a Final Decision (rejection) from my employer's Group Income Protection insurance (UNUM) I have asked my employer to appeal UNUM's decision through the FOS (as I am not the policyholder) but they have declined to do so and refused to send me a copy of their T&C with UNUM. I am still off sick with bipolar and anxiety disorder and my claim is roughly around 16k£ Any suggestions? I feel like my only recourse at this point is against my employer
  18. Hi, I'm hoping someone can give me some advice. I have an old MBNA debt which I defaulted on in 2010. Since then I have religiously been making pro-rata payments up to and including this month. MBNA sold the debt to Aktiv Kapital who in turn sold it to PRA in 2014. I know that PRA have been receiving my payments because they sent me a letter towards the end of last year saying "...thank you for your ongoing commitment to the payment arrangement on your account". It goes on to say "....We would therefore like to make you aware that if it suits your current financial situation, y
  19. Hi guys. The other night I had the misfortune to have bailiffs from Marston's attend my property. I was asleep on the sofa my partner went outside to see what the noise was as we live on a partly industrial site and we have locked gates to the shared access. My partner came in frantic and woke me up to tell me that men who identified themselves as Law Enforcement Officers were here to see me.. I went out to greet them and instructed my partner to lock the door behind me. Stupidly neither of us had the good sense to video any of this because if we did then t
  20. Hi everyone, I'm new here I was involved in a lorry crash in early October and the lorry driver admitted full liability, so this is not in dispute. The original arrangement to sort out the mess to my car (he squashed the side of it) was to deal with it all privately through his own company. I was given details of who I should contact to arrange this. I thought this was a good idea becuase I thought if I went through my own insurance to sort it out with their insurance company, I would probably end up with a premium hike. I was keen to avoid that, so I just reported t
  21. Ryanair has told lawyers acting for a woman claiming compensation that it will no longer accept the jurisdiction of the English courts, in a case that has raised concerns over air passenger delay rights. The claims management company acting for a woman known only as Ms Menditta, who claimed against the Dublin-based Ryanair after a delay in 2015, have been told by the airline that a clause in the airline’s terms and conditions requires disputes to be decided by the Irish courts. https://www.theguardian.com/business/2016/dec/09/ryanair-says-womans-delay-claim-must-go-through-i
  22. Hi all, I'm about to enter into an IVA. I have several thousand pounds of debt owed on my Virgin credit card and as a customer of Virgin Media, I am concerned that they may try to recover the debt through that account somehow (e.g increasing the direct debit) Does anybody have any thoughts / experience / advice on this? Thanks in advance.
  23. Hello Friends, I booked a courier through Transglobal Express. The carrier was UPS and the item to be delivered was a dishwasher. Transglobal say that dishwasher is a prohibited good and I should not have sent it out in the first place and if still did this, it is at my own risk. The dishwasher has been badly damaged as UPS have dropped it. The UPS say that packing was insufficient and the Transglobal further added that it was anyway a prohibited item and so no compensation at all. The email and attachment that I receive after placing order does not have a
  24. Hi all, I've just received a PCN from the council so its an official ticket. It states its for parking in a taxi rank and I'm not sure if its contestable. On the day in question I was the passenger in the car and yes it did pull over on a taxi rank so I could jump out and go to a shop and then pulled up again so I could get back in. At no time was the car un-occupied, engines turned off or as far as I'm concerned "parked" in the taxi rank. The ticket states that a warden attempted to put a ticket on the car but from what my friend who was driving said, no
  25. Hi guys, I desperately need an advice regarding a flight I booked from the travel agent called Tripsta UK. It was CSA (Czech Airlines) flight operated by Smartwings, departure on 28/6/2016. The flight was cancelled on 24/5/2016 but nobody let me know about it and nobody wants to pay me any form of compensation. Tripsta said that they sent me an email on 21/6 but I haven't received anything. I checked my email box throughout. They sent me a print screen of the email and the email said to contact them back by 24/6/2016 to confirm the change but I didn't contact them back so I didn't confir
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