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  1. Hello all, My very first post ever on here. Please can I bend ears, pick brains as I'm confused about the letters I've had today. Letters in my maiden name, I was married in 2003. Debt amount 943.43 I understand the letters are stating they are a statement from year 2012 right through to 2018. Stating they haven't applied interest or sent statements and I do understand this with an apology. Original debt citi financial Then it's saying passed or changed to arrow and now cap quest have got the debt. I do recall cap quest contacting me on my mobile a few weeks ago
  2. Hi everybody. Love this forum and thank you so much in advance for any help. I've tried my best to dig deep here and elsewhere as to make this as easy as possible for you to advise on. A bailiff took my car this morning for an unpaid moving traffic PCN with an overall fee of £513 for release. The PCN was sent to my old address days before I moved house. I appealed from the new address (putting my new address on the form) and followed up via email (again informing of my new address) to ask the status of the appeal and received no correspondence.
  3. 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
  4. I am beyond mortified. I am in the middle of a very turbulent time in my life, my depression is all over the place . Today I had period pain, I went to Sainsburys to get some medication. The pharmacy was closed. I hovered in the section for ages before I STUPIDLY decided to take the medication off the shelf of the closed pharmacy. I then panicked and left the store. I wasn't stopped, but they would definitely have me on camera taking the medication from the closed pharmacy. I don't know if it is clear I still had it in my possession when I left, but they may also
  5. In a country were you cannot say anything in case somebody find it objectionable, or offensive. Is the age of chivalry dead? and if so what has killed it off?
  6. Hello All, I’ve a feeling that I’ll need to go to the Ombudsman but would be grateful for any assistance.: Long Story short, I approached PayDay UK/MEM Capital last July 2017 and requested a settlement figure as I released equity in a property I own to clear my feet. I was given the figure and when the funds cleared acouple of weeks later, I received 2 text messages (16/8/18) 1st text said I was £8 short due to accruing interest since the initial settlement figure was issued, and literally acouple of hours later I received another text saying my loan was settled in full. As a
  7. Hi guys two part question. I got a square today loan that i had defaulted on for a fair few months and wasn't paying it back. In May 2017 i got a letter advising me that they had decided to settle my account and i did not owe them anymore money. This was then removed from my credit file.(I have unfortunately lost the letter) However since around October time this is now showing on my credit report again. Does anyone have any ideas? or how i can contact them? second part is i had a loan with lending stream that is currently showing as a 0 balance but is in default
  8. I hope someone might be able to help me. I have borderline personality disorder diagnosed 3 years ago after a crisis which led me to being put on ESA without the need for a face to face interview. I am now due a reassessment on 2nd Jan which I have to attend the stress of worrying about it has triggered a deterioration in my mental health I now feel I am on the verge of a crisis. I live on my own and have no real support. Is it worth me phoning Maximus, will they listen? If not can someone advise me please. I have a letter from my Psychologist (who has now left
  9. hi i have seen that this group have given very good advise over the years and now find i need advise concerning capital one
  10. Hello, I have today received a letter from SCS Law who claim they've been instructed by Highview Parking Limited to recover an alleged penalty charge notice incurred by myself/my vehicle. Incensed by the content of this letter, I sought to establish what the address of the alleged contravention was supposed to have taken place it turns out to be my local gym where I've been a member for nearly 20 years and as such a legitimate user of their car park. I initially contacted Highview Parking to enquire about the reason for the letter and/or alleged contravention was adv
  11. I have been in writing to Drydensfairfax Solicitors back in March 2016. They are acting on behalf of their client Max Recovery Limited who purchased a debt. I had previously asked them for a credit agreement and copy of the deed of assignment. Back in March 2016, they wrote to me in reply. They provided me with a basic office copy of a credit agreement. They claimed that their client, Max Recovery, had provided them with a copy deed of assignment, and that they had attached this to the document for my perusal. Upon checking the documentation, this assignment was n
  12. Today I exposed Fowler’s finance/Motors of Stoke On Trent, also known as Carfinancetoday. They prey on vulnerable people [removed]
  13. I had my ESA stopped which is now pending an appeal, I have had to do a joint claim to claim UC, what a nightmare this has been. My original claim was from the the 23rd June and they have in therefore paid me four weeks instead of five, 23/06/17 - 22/07/17 that will be paid on 29/07/17. so in other words they are paying me four weeks but not paying me until the 5th week but not paying for the 5th week. As I have come straight over from ESA the seven day waiting period and as I understand it cannot be used by the DWP so why has a week been deducted and why if my claim started on the 2
  14. JHi, and thanks to all those who contributed to my other thread in respect of ESA, the help has been greatly appreciated and I would appreciate any same kind advice on my PIP Tribunal was has now been listed and will proceed in a few weeks time. My initial reason for the Appeal has been based on the time it took the assessment, (approximately 14 minutes) and this was for two conditions, physical because I have a heart condition and for my mental problems which are secondary to the heart condition, PTSD, anxiety and depression. During the examination, the assessor just repeated the s
  15. Feel its not far off , sickening, especially when its being used to manage essentials https://www.theguardian.com/business/2017/sep/18/britain-debt-timebomb-fca-chief-crisis
  16. Feel its not far off , sickening, especially when its being used to manage essentials https://www.theguardian.com/business/2017/sep/18/britain-debt-timebomb-fca-chief-crisis
  17. Hi folks, i have posted on the forums before and successfully won in a claim against me. This recent claim against me for an alleged debt of 3,815.60 inclusive of their so called costs..(which to me are ropey). .please bear with with me as i need to refresh my knowledge of certain aspects in compiling my defence... In the claim form particulars . .. there is no mention of when this alleged debt was instigated , i.e. when i am supposed to have defaulted . It is my understanding that this should be there on the claim form..by default...(help with this appreciated).
  18. I thought this little bit of history was interesting Read more : - http://cag.tw/22rr
  19. Hi, Received two letters today: One from Mortimer Clarke Solicitors (dated 28/01/2016) Re: Cabot indicating that they have received no response to the claim form issued.( I was going to ignore it until I looked at the second letter...) Letter Two: Judgment for Claimant (in default), from the County Court, dated 28/02/2016 Claimant: Cabot Financial (UK) Ltd. I checked my credit file using Noddle: It shows one active credit card which is OK and currently active. Then .. Starting from Oct 2015 to Dec 2015 there is an entry for Cabot with a Default
  20. Hi all, Have today received a CCJ Claim from Hoist Portfolio Holding 2 Ltd. who apparently purchased the debt from MKDP LLP (Ex Barclaycard). According to my records the last payment on this account was made in June 2010, but the assignment in my credit file (just checked on Noddle) is showing the date of default in February 2011 so obviously there is a discrepancy. So, which one is more accurate? I was under the impression that the actual date of default is around 3 months after the last COA, which would lead to September 2010 + 6 years which gives a date of September 2016, whi
  21. Hi guys just back from Durham County Court with a victory over Lowell and it seems i found a Judge who would not be told the law. My case was around a 5 year old debt that i was being chased for but was not mine, Lowell issued a claim despite me sending them a letter to deny the debt. Once i had the claim i sent off a CCA request and it took Lowell 67 days to send some of the information asked for and in this case the Deed of assignment was asked for but Lowell refused and instead sent a hashed up copy of a notice of assignment claiming the Deed was between them and their client.
  22. hi guys been a few years since i visited forum however today received a claim form ccj from lowells regarding an alleged debt from shop direct assigned to lowells in 2012. ..now dont know what it is for as dont use credit, so intend to defend. .now question is.. .as i have no paperwork for this debt or any knowledge where to start? obviously i am time limited due to action now taken by lowells so any advice grateful for
  23. " and i'll have one last drag, of one last cigarette. i don't want to die, no not just yet..." (song) had the 'last drag'. now i start (stop). on will power.
  24. Tawnyowl here with a thought that entered my mind about one minute ago. Best write it down because another minute or two and it will be forgotten. Age is my excuse.Strange how many times that excuse is used nowadays. When this post is finished will check up how old i am. Went to the docs last week for healthy heart check up,you go once a year to check you are still here after having heart attacks. Check blood pressure,things like that. Now definitely not keen on hanging around the docs as you just never know what you might catch. Nurse told me to shut up while checkin
  25. Hi guys, hope everyone is well. Been on this site a few times and think it is a superb tool and helps us against the bully boy company's out there who try and feed on hardship and vulnerability. Hopefully I can add some advice or help in the future. I have a question of my own if anyone can help. Today I had a doorstep visit from a company called Fidelite. They asked who I was so I asked who he was and his face was a picture. I never gave him my name and told him politely to jog on. He is chasing a loan debt that I took out in 2004 and haven't pa
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