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  1. Paid off a secured loan with this bunch around 5 years ago. They are now requesting payment of interest, late payment charges etc. Any good letter available to tell them where to get off would be much appreciated? Thanks!
  2. Hi I'm a newbie here and could do with some advice regarding my Mother in Law. She showed me some old solicitors paperwork yesterday from when she took a mortgage advance cheque back in 1995 for £33,000. On the breakdown, there is a payment to Chartered Trust for £8057.00. She thinks it was PPI. Anyone know if this is worth pursuing and if so where to start? Thanks
  3. Insuring a property held in trust I live in a property held in a Deed of Trust, set up by my parents as the original trustees. A trust fund from which I am the beneficiary, the life tenant. The trust is held to one third to my children, one third to my sister or children and one third to my brother or children. The original trustees: my mother is deceased and my father is old and ill perhaps not competent anymore. The trust is irrevocable and intended to for the rest of my life. My question is can I insure the property (being the beneficiary) simply as the policyholder. N
  4. Regulator finds significant failures at the Presidents Club Charitable Trust READ MORE HERE: https://www.gov.uk/government/news/regulator-finds-significant-failures-at-the-presidents-club-charitable-trust
  5. Statement on Ofwat and rebuilding public trust in the water sector READ MORE HERE: https://www.gov.uk/government/news/statement-on-ofwat-and-rebuilding-public-trust-in-the-water-sector
  6. Hi am after some advice. About three years ago My wife and I were struggling on just my wage and running up quite a few small debts. We foolishly took out two secure loans of 12 and 14k. We have been paying these regulary. When it all started going t*ts up with the banking industry they raised the interest rate. We carried on as before but last week we received a letter saying they would probably be forced to raise the rate again as they were only a small company and borrowing was becoming increasingly expensive for them. As well as that they incl
  7. 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
  8. Charity Commission calls for information about Presidents Club Charitable Trust READ MORE HERE: https://www.gov.uk/government/news/charity-commission-calls-for-information-about-presidents-club-charitable-trust
  9. PIP assessments: 'Lack of trust' in benefits systems READ MORE HERE: http://www.bbc.co.uk/news/uk-43058789
  10. Hi Took out car loan in 2005, we were given via british credit trust and i believe mis-sold ppi . I see they're shut now and when i google there doesn't seem much success in claiming back - i wonder if anyone has any links to addresses to claim back please and if its worth a shot ? Thanks v much xxx
  11. I live on a canal boat, for which I am required by the 1995 British waterways act to have a licence, the licence is a statutory requirement, British waterways was changed to a charitable trust some years ago but the legislation that governs licences has not changed, the trust is now falsely claiming that this licence is now a contract which they can add their own terms and conditions to without any recourse to parliment, and can cancel at any time they choose if the boat owner breaches any condition they have invented. The trust has now " re interpreted " the
  12. Dear all, I unfortunately suffer from chronic depressive illness and have done so for many years with the condition significantly worsening over the past few years. In the year 2011 I had been subject to police investigation. I attended a police interview on a voluntary basis. Due to my debilitating depression I had an appropriate adult also attend this interview who I understand was a social worker at that time. The social worker, without my explicit consent, went on to record the details of the alleged criminal charges I faced on the NHS Trust’s IT system and within my
  13. Hi, I'm trying to help a friend. Child is three years old, mother was common law wife of the child's father. Father has been killed in a work related accident. The employer has made a payment (from Avia) through a solicitor engaged by the mother. The child is the beneficiary of the very small estate. The solicitor will only pay the monies into a the Child's account which has to be a trust account with two signatories and flatly refuses to pay into a simple Child's account. We have been unable to find an High Street bank that offers such an account. The solicitor is
  14. At present, High Court Enforcement agents are only able to enforce judgments if they relate to non consumer credit debts and have a value of over £600. Judgements relating to consumer credit debts (typically, a debt relating to a bank loan, credit card debt, catalogue debt or any other finance agreement) may only be enforced by a County Court Bailiff. The High Court Enforcement industry has campaigned for many years for the law to be changed to allow them to enforce judgments in relation to 'consumer credit debts'. Earlier this year, the High Court Enforcement industry had their h
  15. http://www.itv.com/news/tyne-tees/2016-04-13/are-you-the-darlington-dogs-trust-mystery-knitter/ And the advertisement.... https://www.dogstrust.org.uk/news-events/blog/2016/introducing-our-new-special-someone-tv-ad
  16. READ MORE HERE: https://www.gov.uk/government/news/remembering-the-battle-of-the-somme-a-bond-of-trust
  17. Hello, I'm sure I'm probably starting off on the wrong foot. But I received a letter from Lowells yesterday morning. They've been assigned a debt which I'm 50/50 might be statute barred. I googled for help on how to handle them and your good selves came up, but also a lot of links warning me that this site gets paid by Lowells to get posters to reveal as much information as possible so they can use it. CAG is apparently letting Lowells post here and view threads, etc, and even certain posters keep asking for documents to be scanned up as pdfs so Lowells can get a better idea of who/wh
  18. It is now being reported that Mitsubishi offices have been raided, after the company admitted that some of its vehicle performance statistics produced were not true. This follows on from the VW scandal, the latest of which is that apparently VW might have to buy back vehicles sold in the US at a cost of approx. $7 billion. Can we presume that most vehicle performance stats produced by a company or on their behalf are unlikely to be true ? The stats are likely to be manipulated so they compare favourably with similar vehicles and have nothing to do with the performance drivers will exper
  19. What would happen if I claimed back my ppi on credit cards and loans when they where put into my trust deed. My trust deed has b een discharged. Will my creditors have any claim on my claims:?:
  20. I am dealing with my late sister's affairs at her request and no will was made. The estate is very nominal and she left her affairs small and tidy to sort out - however, unfortunately, time was against us when trying to get a few things in place. My sister had an account called One Bill whereby she paid a monthly amount over to STB who then paid nominated bills on her behalf. (Your possibly wondering why in this day and age but that was her choice) She had a lot to deal with medically. She also had a current account whereby she had a 'Top up' type credit card which she had to lo
  21. Hi all i would like some advice on my next course of action. In Sep 2006 i took out a second mortgage for £16k with central trust and the payments are £237 per month over 10 years. Between approx 2008-2010 i was off sick for a while and then in-between jobs and this resulted in me falling behind with all the bills. I would sometime pay late by a few weeks and sometimes miss a month and catch up the month after. This happened until January 2011 when i paid my arrears off and have never missed a payment since. During the missed payment times i was never more than 3 mo
  22. "Trust Money' contacted me a couple of days ago, offering me an IVA. This something I had been looking into, although I have never heard of this company. The only thing I can find on google about them is their actual website. As I am unable to find anything else I was wondering if this company is legit? I feel I really need to do something about my debt as making minimum payments account for over half of my income and being a single mum of a baby and being a full time student I am really struggling. My out goings are more than incoming so I need to
  23. http://www.lullabytrust.org.uk/
  24. I entered into a Trust Deed in 2009 through a company in Edinburgh that I finished paying 3 years ago, but have still not been released because of PPI claims. I recently received a letter from them stating that they are now (finally) about to enter the process for closure of the case. Attached to the letter is a statement of the PPI claims received and so far this amounts to just over £4,000, but there is also a note stating that they have received £1,810 from BoS (quote) "but does not match any of the accounts above" (end quote) Does this mean they are still
  25. In figures just released, it was found that NHS Trusts have run a deficit of £1 billion in just 3 months. The government have increased funding in the NHS, but not related to healthcare inflation or taking into account the increased numbers using the NHS. Hospitals are having to pay a fortune for agency Nurses, because they can't get enough. Within one NHS Trust in the London area, they have 1600 vacancies across different job roles. Yet the government have a policy from 2016 to remove from the UK foreign workers who have not reached £35k per year in 5 years of being here. This w
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