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  1. Hello, i'm new here having only just discovered this site I have a residential property with a mortgage in only my name which is all upto date with no arrears. there is about £145,000 equity in it. However i have 4 other charges on the property ( so total 5 inc initial lender) these 4 arose out of BTL props that "went wrong", banks sold the properties off way cheap, leaving shortfall debt which they then turned into secured charges. the total of the shortfall debt is approx £390,000, yes i know , its huge, ( as i said the banks gave the props away) so i have £14
  2. Well it is that time of year again when Car Boots kick off. Just found this story. Diamond ring bought for £10 at car boot sale turned out to be worth £350,000 Read more: http://metro.co.uk/2017/05/22/diamond-ring-bought-for-10-at-car-boot-sale-turned-out-to-be-worth-350000-6651215/#ixzz4hmYG7BAm What is the article that you found at a car boot that you were delighted with or disappointed with. Maybe you bought something that fell to pieces or a bargain that you want to gloat about. Well you have to release the pleasure or displeasure. Yesterday I bought this Bikini Vase for 5
  3. Afternoon all! My girlfriend doesn't watch live TV, at all. That said she does have a Virgin set top box due to signing up for the tv/phone/internet package when she subscribed. She also has no TV license, but hasn't ever told the TV license people that she doesn't watch TV. I'm telling her to cancel the TV package and just fill in the form on the TV license website to say she doesn't watch TV and that will be the end of it. She's worried that they will investigate and see she has been a Virgin TV customer for ages and ages and demand back payment for a TV license. I'd
  4. Not sure if posting in the correct category. My issue is that first time in my life I have decided to apply for a credit card. A good friend of mine recommended MBNA as she has a very good experience with them. Turns out for some mysterious reason that MBNA thinks I do not qualify for their credit card. I never checked my credit score and don't really wanna do it. Here's my history in a nutshell: Living in London for 15 years, residency status, EU national. NEVER applied for a credit card in my life before Banking with Santander ever since opening my first account in Engla
  5. Hi I need a bit of advice regarding trying to get £626.24 from Expedia for car hire which never turned up at the airport. I paid by credit card Halifax hoping this would ensure if anything went wrong - I should have know. After repeated emails and phone calls to Halifax/Lloyds they told me they couldn't claim our money back as the car was waiting for us at the airport (which it wasn't) - they just took Expedia's word for it - what can I do. Below is an email I sent to Halifax outling all the details/times/dates screen shots etc On the 24th May I
  6. I've been a customer for a year with BrightHouse and pay around £70 a week which I could afford at time since my daughter has now decided not to carry on with college I'm not getting tax credits so my money has gone down to £110 per week which now means I can't pay what I was paying before to them . I'm not prepared to hand my stuff over as I've paid a lot on them and want to pay what I owe at a cheaper payment until paid off. I don't have thelr insurance or dlc just this 5 star thing which seems to cost you more for the product and takes longer to pay. Do you think if I
  7. Sorry of this is not the right place. My dad sent a large amount to me this morning via faster transfer. Was sent from his HSBC advance to my Co-op account. We set up the details the other day and sent £50 to test it was right and the payment this morning was via the automated phone system using the details which were already set up so they are 100% correct. Its 9 hours since and no sign of anything my end, he is not home and comes from the 3 day transfer age so doesn't seem concerned but I am pretty worried as I know its almost instant now. This must surely of been flagged up for furthe
  8. Just after a little bit of advice please. Please excuse any spellings mistakes etc as I am so mad as I type right not At the beginning of this year we took a car on finance, we made several payments and then found that we were struggling to keep up payments but we always caught them up. In June we moved house (notified the finance company) and then from then we completely missed a payment. One payment turned into 2 and we had a visit (at our new house) from a gentleman from "the car finance company", a payment arrangement was put in place but we missed it. I c
  9. Hello, Looking for some advice if possible. I have got in a real mess with Welsh Water and they have reduced the water pressure in my house. I now have no hot water and not enough pressure to refill my toilet which is upstairs. A few years ago, when I ended up as the only person living in my house I switched to a water meter. I was paying on DD and all was rosey. Suddenly, somehow a bill for just under £1000 turned up. I just couldn't understand it. It turns out my water meter was feeding not only my house by my next door neighbours house!. Welsh Water came r
  10. Its been almost a year since I took up Hastings Direct insurance and discovered they immediately turned my 17 years no claims discount into 9 years. I complained and was told I would not lose any discount despite their systems only logging up to 9 years, and despite a number of reports here that customers who did not notice that Hastings had truncated their NCD DID lose their NCD above 9 years. The renewal of my fully comp (which apparently isn't actually what I understand as fully comp with Hastings I have since discovered) with 17 years protected no claims at taking it out is being
  11. 2K debt turned 30K by insolvency solicitors now threat of possession Hi, I desperately need some legal advice and I cannot afford a solicitor. A small debt has turned into a massive charge on my house by a firm of solicitors and they are trying to possess my house for what was a £2k debt but their turned it into £30k in less than a year. Both myself and my wife are mental health patients and have a child too. Scared to death we are. Please share or help directly if you can. We need a good lawyer to help us out of this nightmare... I can provide more details of course but here i
  12. Evening all, I just wondered if I could pick peoples brains. I purchased a tiffany bracelet from someone on Gumtree who had advertised it as genuine. She had advised it was tarnished and would need polishing and that she had taken it to a jewellers who said it would cost £15. I went to have a look, and the woman wouldn't obviously let me in the house. she brought it to the doorstep and I had a look. it was dark, it was raining and i couldn't see it properly, but could see it was tarnished. Now I am no jeweller so I couldn't tell properly. I paid £105. I put the b
  13. My GP and an OT applied to the council for adaptations to be made to my home (wet room and stair lift). I live in a 3 bedroom house, my eldest 2 children having now left home. My youngest daughter has her room, I have mine and the L shaped minute box room I pay Bedroom Tax for each week. The council have stated that I can not have the adaptations made to my home as I am under occupying the house I live in......The problem is, my diagnosis. They seem to have overlooked as to why I can't move house. They make it sound as if I choose to live here. I certainly didn't choose to have all 12 diagnosi
  14. Hi apologies if there has already been a thread like this, I'm just new to this site and do not know how to navigate it very well. Last year I was stopped by a ticket inspector on a southern rail train, i did have a valid ticket, however I didn't have a relevant discount card on me. I offered to pay was told I would receive a letter within a few weeks with the details of the fine and how to pay it . A month passed and I received nothing, at the time I was in the process of moving house . I have now moved address and had forgotten about the letter if I'm honest
  15. How can I find out if I am deliberately being turned down for jobs where I have previously work due to someone in authority taking a dislike to me.
  16. I appealed to Ilford council I was parking in a loading bay on Aug bank holiday Mon , I have just got a knock back about the appeal they said they are sending a notice to owner but I am no longer the owner , they took 50 plus days to get back in touch to say I have to pay is this reasonable ? I thought they had only so long to get back in touch? can anyone help
  17. hi. ineed some advice on a ppi claim i had 2 loans with lloyds bank 1. for £11959 taken out in 2006 defaulted 2009 still oustanding 2 for £7459 taken out in 2005 settled 2006 as far as i know they both had ppi lloyds havent hastled me about the 1 st loan alhough i is still outstanding what i want to know is it worth trying to claim the ppi on both or leave well enough alone and if i claim and am ssucsessfull will lloyds take any payment to settle the first loan. on the fisrt loan lloyds refused to pay the ppi insurance when i claimed as id left it longer than 1
  18. Hi everyone, My bad luck does not stop! I run a LTD company and we done a refurbishment project a good 6 months ago, the customer didnt pay in full and we were owed about £40k , one of the creditors (electricians) started proceedings against us...we were late in sending the response pack but explained with enough reason to their solicitor. We came to an agreement to pay 5 consecutive payments, 2 were paid and then we couldnt afford to pay the other 3 and explained the situation again. Out of the blue, we got a judgement for claim which goes onto say about the CCJ etc, that was r
  19. Yesterday I got a phone call from my 19yo son in tears. a bailiff had turned up demanding £860 this relates to non taxing of his car that has worked its way through the court system to get to the point of a warrant. My son claims he never has seen anything from the courts but this is another issue. My question is this I don't live at the family home anymore even though I pay the mortgage, my son lives with his mother who wasn't around when this was happening. I spoke to the bailiff (on the phone) to explain that the house belongs to my wife and me and the c
  20. Jeffrey the therapy dog was a stray set to be euthanized when he was rescued by a Connecticut woman Jeffrey learned obedience and tested to become a certified therapy dog. He passed 'with flying colours' Jeffery's signature: painted toenails I love Jeffrey's green painted toenails - a very touching story. read more : http://www.dailymail.co.uk/news/article-2401976/The-incredible-bond-rescued-pit-bull-turned-therapy-dog-Sandy-Hook-9-year-old.html
  21. I had an accident last year and i fractured my coccyx. It never got any better. I have recently been referred to Muscular Skeletal Clinic and diagnosed with severe Coccydinia. I cannot sit for longer than 10 mins without being in agony and that pain makes it horrendous to move positions. I cannot stand up properly, takes me a good 5 minutes to do so. I cant walk at normal speed, I have a stick to help me and I have to have help getting into bed as i cannot lift my legs onto the bed. Is it worth appealing? I have had an injection into the area which failed to relieve the pain. I am on tramad
  22. my partner has a Debt of £165.96 for t mobile phone contracts today out of nowhere a guy turned up at the door i told him she wasn't in so he posted a card tried to add links but it wouldnt let me the front says the debt the reference number and who called and the back says we will only ask you to pay what you can afford in bold red, so ? Any help would be appreciated or info Thanks guys
  23. unknown to the debtor welcome finance got a ccj where papers were served to a previous address now OP has had bailiffs at the door with a summons to a means testing hearing. turns out the org debt was already SB'd when the ccj was taken out.. next move please reply on this thread please - thanks DX http://www.consumeractiongroup.co.uk/forum/showthread.php?393306-CCJ-issued-jan-13-to-an-old-address-on-Sb-d-Welcome-finance-loan-now-summons&p=4251695#post4251695
  24. Hello there and congrats on a great website that has helped me loads. Yesterday I had a bailiff turn up who I dealt with by opening the gate to our property and asking him to step outside. As this person has been following me around for the last 5 years turning up like a bad penny about once a year I commented on this and told him he really was a sad little man. Naturally he didnt like that and took my photograph with his mobile phone! I was standing by my gate about to go back in. Can a bailiff do this?
  25. Hi all, I had tests done last year to see what was up with me as i was in so much pain and it turns out i have" Rheumatoid arthritis" The RA is that bad i had to stop work, as i would work for 2 days and then the pain from the RA would be that bad! i would be lucky to get out of bed the next day, and it would take me 4 to 5 days to get back on my feet! so only working for 2 days then in pain for 4/5 day if not longer! is not good! and only being 43, life is not the same as it was....and with a long road ahead! so i stop'ed work and went on ESA, i 1st put in for D.L.A about 3
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