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  1. Got finance last September for my car, I lost my job in December and it was a struggle but all up to date, but in June my partner started a new job, we had no money for 5 weeks and got to arrears by 2 months. I got a default notice and I called have explained why and made a payment towards it and set up a plan towards arrears. This was all ok, just had a call to say a manager has cancelled the plan and wants a payment of £558 by Tuesday 18 or they come take car away, I told them I can't afford that and to carry on paying £180 a week towards account and clearing the
  2. Hi! I'm a new user here and this seemed the right category to post this to. Sorry if I was mistaken. my fiance got a letter from Intrum earlier today, trying to enforce a debt of £1529.81 they had purchased from HSBC. My fiance recalls she had paid off - and closed the account - about 8-9 years ago, what at the time amounted to £500. Said account is not present on her credit file (looked up on Clearscore who gets their info from Equifax) and as such no default notices either. Ironically, the 'change of ownership' letter says that they (HSBC) have taken all the necessary ste
  3. https://www.consumeractiongroup.co.uk/topic/408616-trying-to-reclaim-ppi-but-paragon-says-no/?tab=comments#comment-4978454 same boat mate, paragon say no and not regulated Paragon informed me that the PPI was done by warranty Holdings Ltd, guess what, now dissolved
  4. I had a personal loan from 1999 which had PPI on it. I didn't request PPI but the box on the CCA had a pre-printed tick in it. On challenging the PPI, Paragon claim the loan wasn't dependent on PPI and that they weren't regulated at the time so I have no claim against them. The FOS haven't been much help. I've read a thread by user justice4me from 2012 where they managed to successfully make a PPI claim in much the same situation. Does anyone have any information regarding what is needed to successfully make a PPI claim against Paragon? Cheers, OMWO
  5. Hi In March 2016 I received a County Court claim form from Shoesmiths for a HSBC Account for £8000 for a credit card I had defaulted on in 2013 acting on behalf of ARROW GLOBAL. I defended the claim and sent a CCA request to Arrow global they were unable to provide any documentation not even a reconstituted agreement and as a result I received a letter from them stating the ccj claim was dropped and all collection activities would cease. In April 2019 will be six years old and drops off my credit rating and I’m trying desperately hard to get my life back six years later and g
  6. I have an ex Friends Life with profits investment bond now under the ownership of Aviva. This was transferred to me by my mother. Over the past three years I have made a number of successful partial withdrawals on the policy without issue. This all changed when in early September of this year, I submitted another partial encashment for £3000. After not receiving the money within 10 days I contacted Aviva and was told that due to a technical issue sufficient units could not be cancelled to action a payout. Therefore, the process was delayed. To exacerbate, the issue, I had a buil
  7. Hi everyone I use a courier company, i will call "TPC", who in turn use DPD. I have to say on the whole the past few years has been event free but a few months ago we sent a 3D printer to someone to use and it was smashed up really badly. The recipient took photos and has emailed us stating the damage was beyond dropping in his view and we have loads of photos of the box damaged etc. I reported the issue immediately and TPC were originally very sympathetic etc. I have to say I was shocked at the damage, you would have had to try really hard to do what they did. As the client
  8. Hello everyone, this is the first time I have ever used a forum, but I hope that someone can advise me. I am a 19 year old photographer and I was commissioned to take the graduation photos of a Malaysian girl and her family. She was graduating from UCL and the job was from 9am to 1.30pm. The fee had been agreed in advance. I have been trying to get payment ever since then. My problem is that she graduated in Law and I do not know where to begin. It also turns out that she is from an extremely wealthy Malaysian family and has appeared in the hit film, Crazy Rich
  9. Hi all, I have for the past few months been in dispute with Lowell regarding an old Studio account, now because they now have confirmation of where I live - they seem to have linked a really old account from Cabot (this was an old Barclays overdraft from over 10 years ago) which i'm sure we haven't made contact or payment on for well over 6 - however i can't be 100%. Is there a way of finding out for definite? The first letter went along the lines of 'now we know where you live blah blah - you owe £***'. Two weeks later another letter arrived saying we will accept £55
  10. I had an accident at a VERY slow speed (about 5mph) in my local petrol station. I was reversing into a petrol pump place, and a black taxi drove forward into me. No damage to either vehicle, but the cab driver is claiming personal injury. This smells to me, and I think he's a fraudster. my insurance co say it's my fault - I would argue it's 50/50 as he should have seen my reversing lights and stopped moving forward. I exchanged numbers with the driver he only told me it wasn't his cab, but he was a friend of the owner of it. He gave me his name, but i didn't get ID fr
  11. I am in a DMP and have been since the beginning of this year. Natwest loan £4889 Natwest OD £1249 JD Williams £1749 Very £771 I have been self running a DMP and paying each £1 for 4 months. I am upping my payments from July to: Natwest loan £57 Natwest OD £15.37 JD Williams £20.65 Very £1 According to my noodle report Natwest have me at DM(4) for May, JD Williams has had me at DM(UC) since March and Very the following: Jan - DM(1) Feb - DM(1) Mar - AR(UC) Apr - AR(UC) May - AR(UC) With Very placing AR markers does that mean I'm unlikely to get
  12. I have an old council tax debt, Rossendales are sending bailiffs to my friends address (I used this address several months ago to get my bank card delivered to as I was of NFA at the time). My friend (whom I don't see that often) handed me a load of letters and told me that bailiffs are regularly knocking at her door demanding full payment, she is worried they'll come in and take all her stuff (which surely can't be legal?). The letters they've sent me are rather confusing, they claim I owe two debts to a local council, one for approx 120 and another for approx 240,
  13. Hi I'm looking for best way of helping friends in Spain reclaim ppi.. Do I need to get them to authorize me .. Or can they get new sar sent to Spain and issue claims?? Thanks
  14. Hi there folks. I'm in need of a bit of advice please. So i owe a lot of money to a lot of companies. Some are being paid monthly minimum and there's a few which are being dealt with by debt collectors ( Ive contacted them via letter asking to make token payments already) I regards to the several credit cards i have, i'm literally just paying the interest every month and the balance isn't going down. I cant to pay any more than that. I'm thinking of sending them all letters asking to freeze the interest and accept monthly payments of £10 ( which is around the same as the min mon
  15. Hello! This seemed to be the place to put this, though equally it could have gone in transport or benefits. I had a look through and couldn't find any similar threads. I have fibromyalgia and have been trying for the last two years to get a disabled bus pass. It's been complicated by the fact that I have never been in receipt of mobility in PIP, something I decided not to appeal the first time round as I just didn't have the strength. When they re-assessed me, I decided to take it to tribunal and have been waiting, and waiting, and waiting... In the meantime, I have been trying to
  16. After the bad weather a couple of weeks ago, I noticed a damp patch on the ceiling in one of the bedrooms, and upon further investigation, several smaller patches in the back bedroom. So I went outside with my binoculars and had a good look at the roof front and back... I could see no damage, loose/slipped tiles or anything obvious. I got the step ladder out and pocked my head into the loft, and discovered that a load of the roofing felt has ripped away, exposing the underside of the tiles and batons. Contacted the buildings insurance and they arranged a roofer to come out and inspec
  17. I'm finally starting to get my credit file looking better but I now feel I may need to start a DMP. I can probably just about pay bills + debts but I'm struggling and in Feb I *may* be going to uni so my income will reduce to about half. I pay the household bills through my bank account and my OH pays me his share. How would I work that into a DMP? Would I ignore his money and budget only my half of everything etc? My debts are: Natwest loan - £5000 Credit Union loan - £1550 (paid through wage so isn't an issue yet) Avant loan - £1900
  18. Hi, I cancelled a web hosting service a couple of years ago, and it wasn't unreasonable to expect billing ti also be cancelled. The service was paid via PayPal Subscriptions, I didn't realise I had to cancel this myself and small payments (5 a month) have been continuing without me realising until recently. When I spotted it, I contacted the company and cancelled the PayPal subscriptions, however, I'm having some difficulty getting the money back from them. They advise that because paypal charges them transaction fees, they will refund me but first want to deduct these fees.
  19. a quick question.. ...I can't find a link for the 'account in dispute' letter. ....I've a debt going back to 2010 with JD williams that Lowells bought last year it's mainly made up of late payment £12 fees and over credit limit £12 fees.. ...Lowells solicitos have now sent me a 'letter of claim' to commence court proceedings... ...I sent a CCA request back in september last year, but received a generic set of T&C's and a copy of a credit agreement that has my details filled in, but not my handwriting and no sig ....I feel it best to put the account in dispute
  20. 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
  21. I bought a £500 graphics card from CCL 15 months ago, it broke, CCL said it has 3 year warranty, but after 12 months you return it to Gigabyte directly. I created an RMA with Gigabyte, they gave 3 options, Pay £15 for a company to deal with the return (at the time I thought this was just to collect the card from me and return it to Gigabyte, as I assumed Gigabyte would pay for the return), Send the card yourself or deliver it in person. I chose option to send it myself as I thought £15 was a lot for a 1 way delivery. I posted the card at the post office, £15.26, grrrr, hindsight!
  22. Long story sorry, I bought a car on Monday 200 miles from where I live, test drove ok around town country lanes. 50 miles into my journey home I discovered it had a fault which only showed up on the motorway, causing it to shake violently. They have been fairly responsive to emails but I feel I'm banging my head against a wall, here is the email conversation below. I'm wondering what happens if I drive 200 miles on Thursday and they don't refund me, any advice on the whole situation appreciated. Thanks Ben Hello, I recently bought an S-
  23. Ok Just start with some background. for the past two years 2014 & 2015 i have had relapses of prolapsed disks causing me to have long absences , after the last absence it was agreed that i would be covered under the disability act (or whatever its called now) also after i had my injections i had to have physio which the occupational health provided so i got back to work a lot quicker than if i had waited for the nhs . Now on to this year i had to be signed of sick because my shoulder had frozen i cannot lift anything of with with one arm , doctor has put me on pain killers and o
  24. Three weeks ago I had the fascias on my house painted. As I live in a three storey house this necessitated the use of a very large set of ladders. When he finished the work, the painter asked if he could leave his ladders at my house until Friday. I agreed. On Friday he did some remedial work and asked if he could leave the ladders until Monday when he would have his large van. I reluctantly agreed out of pragmatism – there was little he could do if I’d said no. Three weeks later, the ladders are still here and he won’t return my calls . I’m of the opinion that he i
  25. Hello, I have been renting an apartment for the past year with a previous friend. We each paid a £500 deposit to cover a month's worth of rent (£1000 in total) . Long story short, my flatmate failed to make two of her rent payments so the landlord is trying to claim back the whole deposit to cover each of the £500 she failed to give him. We are on a joint tenancy so I understand the landlord has the right to do this as technically we were both liable for the rent even though I paid all of my 'half', however the question I have is do I have any chance of seeing my £500 again? The depo
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