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  1. I purchased a new 2 seater sofa and 2 chairs from SCS, the delivery turned up today and the delivery men were unable to get the furniture into the property. They were useless couldn't speak much English and give up. There is another attempt arranged to deliver tomorrow with a different crew, hopefully this crew will be more professional. What I would like to know is what would happen if the second crew also fails to get the furniture into the property? Could I request a refund? I have never had problems before with getting furniture in and out of the property and that i
  2. There are many people who find themselves in my position . Interest only mortgage coming to the end and there are either insufficient funds or no funds to repay the capital sum. In my case I took out a 10 year Interest Only Mortgage ( Idon't know why it is only 10 years) I have contacted Santander a few times over the last 2 years to see if they would extend the term but they just refer you to customer services to start a whole new loan . I no longer fit any criteria to get a loan . I have never missed a payment even though I am on a very high rate compared to other lend
  3. Hi, I have been reading lots of different opinions on here regarding debt from Australian companies being chased in the UK. I had a fairly large credit card, plus some other unsecured loan debt in Australia where I lived for some years. Due to illness I ended up back in the UK and out of work for 4 years. As a result I defaulted on the debt and had not made a payment on any in about 2 years. About a year ago I received a letter from Stevens Drake regarding on of the debts and threatening generic legal action if I did not pay. As I was still unwell at the time I did not have the
  4. Hi, Wonder if someone can point me in the right direction. Back in December 2004 (Paragon have quoted Feb incorrect below copy of their letter) my wife and I took out a £20k loan, and this loan had the mandatory PPI of £7k on the paperwork. With news of the Plevin judgement I approached Paragon and they have said the are unable to uphold my complaint and if unsatisfied to approach the Ombudsman. Is there anything I can do? can I even ask for the commission rate of the PPI? any help much appreciated Many thanks, Dusty Our investiqation ln the ca
  5. Can anyone help on this issue. About 3 years ago I put a cigarette out when unexpectedly being called into a shopping centre. I shouldn't have, and I got caught by council enforcer. At the time, I was going through a very difficult break up, and was homeless as a result effectively. I am self employed on a low income, and could not claim tax credits as the previous relationship I was in meant my name is still on the deeds effectively its my home to the tax credits people they said I was still living there, even though I wasn't. Hadn't for 7 years. I had s
  6. On the 4th November 2016 a decree was granted against me for the sum of £1550, I was in attendance however had no defence at the time. I had absolutely no knowledge of the matter and very little paperwork. The matter relates to money paid to a bank account by the Student Awards Agency For Scotland. I'm 49 and not a student. They claimed that several payments were made to me via a Lloyds Bank account very recently. No money had been paid to me and I believe it was an administrative error on their part, the bank account in question is not my bank account but on the day I had not
  7. Hello. At the moment i have five credit cards totaling £7500. most are balance transfer cards and some are coming to the end of the offer. oldest card is about 3 years. (MBNA) i am finding it difficult to keep up payments (not currently working) with the cards and usually end up robbing peter to pay paul. i have a disposable income of £80 a month and at the moment card payments total £110 which will rise after christmas due to interest being added on mbna card MBNA i owe £4000. currently pay £45. i also have another mbna card with a 0 balance what i would
  8. Hello Everyone. I set up a direct debit for my road tax, but due to some severe financial upheaval, it failed following the first and second application. Will the DVLA allow me to try again to pay by direct debit? Or am I now stuck trying to find the full amount? I can call Monday but I'm really worried and hoping for some advice before then if possible. Thank you in advance.
  9. Bought car on evening of the 7th December. Car insured at dealership. Attempted to tax at dealership but website wouldn't allow. Drove car to gf's home and tried online unsuccessfully again a few times but thought must be a site issue. 8th left car parked and commuted to work. Tried website but still not able called DVLA number and attempted to pay online. Was told i would have fill out information at post office. Finished work after post office closed. Had leave gf's house early next day for 2 week holiday before Post office opened. Returned to UK on 24t
  10. Hi Advice please. I'm likely to be unable to pay off the capital amount owing on a mortgage with Woolwich in 3 years time. I've informed Woolwich of this and all they say is try and pay off as much as you can and then you'll be able to extend the mortgage with them when the term ends. I've got a great tracker deal at the moment which is interest only. Woolwich have calculated that any new repayment mortgage with them will be approximately £500 to £600 per month which I won't be able to afford. I got made redundant 5 years ago and have struggled to find full time well paid wor
  11. Hi, I've recently had a letter from robinson way, offering to close my account and to record partially satisfied. Ideally I'd like the default completely removed. I'd like to know if this is even possible, or is it a waste of my time trying to negotiate this with them? Thanks!
  12. The rear of our car was flashed doing 35mph in a 30mph zone by a parked up mobile van, there is only one photograph from the police as we requested photographic evidence, but it is impossible to tell who was driving at the time as there is only a small part of the top of the drivers head visible, we have no clue as to who was driving, what do we do now? Any advice would be great guys thanks
  13. Hi I had a default placed on my account by Lowell Portoflio 1 limited. It only appeared about 4 months ago and had no relation to anything else on my credit file - it appeared out the blue as a default with a value of just over £100. I've since sent an initial letter that I found online, talking about how as they are the data processor they are responsible for providing with certain pieces of information etc. I have gone back and forward with them using letters - I had a response from them telling me they were unable to provide any of the information relating to the acc
  14. Good afternoon The company I worked for has gone into administration, I have no wages coming in as now unemployed so will be unable to make a payment to my DMP (Stepchange). I have informed them but am wondering what my creditors are likely to do now. No jobs in the offing at the moment so no income at all Thank you
  15. Hi all, need some advice please. We purchased Ultimate Amira Healthopaedic mattress via Bed Factory (1-4 Spence Lane, Leeds, LS12 1EF). We purchased the mattress on 25.4.16 for the nursery and started using it on 8.7.16 when our daughter was born. The mattress is not of satisfactory quality due to the wearing and sagging that's occurred within weeks. I'm of light build and a mattress should last years before that type of wear occurs. The retailer advised they're not in a position to refund or exchange and referred us to the manufacturer. Basically asked us to take pictures
  16. Upgraded my old handset last September to the latest Moto G 3, all worked fine until it became unworkable, kept freezing, and rebooting itself three or four times a day, came to a head when I couldn't even make a phone call! Put it into O2 to repair under the 12 month warranty in March this year, so technically, although I would need to check the exact dates, within 6 months of purchase, so faulty from the start. The letter enclosed stated that the handset had been replaced, it hadn't, a 'board' had been replaced. All was fine until it came to update the software, this update wa
  17. I am now in a position to tidy up my finances. I have been making monthly payments to Lowell for 6 accounts. I have sent to a CCA request for all 6 accounts. They have replied for 3 and the other 3 are currently on hold. The 3 that i have have had a response for were all mobile contracts. Lowell stated Three have been unable to supply all the documentation i have requested and because of this Lowell are unable to recover these 3 debts by court action. They also said "never less, we do believe they have supplied enough evidence to demonstrate the accoun
  18. I took out my brand new Vodafone contract on 22 November 2014. They ported my number from my old network (3 network) on 2 December. Since they ported my number on 2 December, a month ago now, I have been unable to receive calls or texts. I can make outbound calls and texts which displays as my newly ported number but I cannot receive inbound calls or texts. The number is unobtainable. I first reported this problem on 3 December and was promised a resolution within 48 hours. One month later, I have been promised a 48 hour resolution on 9 separate o
  19. Hi, I was wondering if anyone may be able to offer some advice or point me in the right direction. My friends younger brother started working for himself around 2 years ago, he didnt set things up and didnt really know what he was doing and the business never actually took off. He ignored a self certification form sent from HMRC several months later because in his mind he was no longer self employed, never properly had been and hadnt made a profit to be in a position to pay tax/vat. He had a further reminder with fees / charges added on, he then wrote t
  20. Hi there I've just attempted to post in banks,finance,credit forum but it states that it's not accepting any more posts.. .. I hope you can re direct this for me and hopefully help. I have four credit cards (all defaulted against) and one loan (with a ccj) that I am looking to settle . two of the cards are in my husbands name but I will be negotiating in the same instance. All of the creditors have payment plans in place which I negotiated myself which have been running and paid on time for a minimum of two years agreed payments are between £20-£40 per month each. I
  21. Hi, I'm looking for some advice, haven't used the site before but came across it when trying to research. I joined JD gym in December, joining online. The main reason I joined was because it was the only gym in the city that was contract free. The website clearly states several times "No contract- cancel at any time". Because of various referral incentives I persuaded my husband and mother to join also. We were supposed to receive free towels, bags and a PT session. Over the 5 months that I attended I saw the club deteriorate; it took us 4 months to receive the bags and towels as they we
  22. Now that it look's clear that a conservative government is going to be running the UK, I am very concerned for my future. I cannot work and have been unable to for four years now, and housebound for much longer than that. What I would like to know is am I likely to be treated more fairly and be more welcome in an other EU country. Or any other country for that matter! I understand this is not the usual topic, but I'm just wondering if anyone knows about this. I don't have enough ties here to stop me moving, and I imagine everyone in my situation is just going to suffer here.
  23. Hi I was wondering if anyone could help. Recently my money has taken a turn for the worse with more going out than coming in. It's putting me and my partner under serious stress and difficulty and we just can't take anymore. I recently took out a logbook loan from Loans2Go in Feb for £700, the total repayment amount they are charging is £3,220.00 over 36 months. Well since then, things have gone down hill badly and it has left me unable to pay it anymore. I haven't missed a payment yet, but it's due very soon and I physically just do not have it. I r
  24. My father passed away on 21st December 2014 and his benefits stopped. Fair enough as the Housing Association flat was paid up until the end of the month. We managed to clear out the flat well before the end of the month and handed back the keys. We were then told that two weeks notice has to be given and that they want £212.52 less £100 as the flat was clean when handed over. We received the invoice this morning almost 2 months after the estate had been settled. I am not sure how my father is supposed to notify the Housing Association that he is going to die an
  25. I have had an ongoing issue with British Gas since my renewal dropped through the letter box in September 2014 for £340/yr. A fairly simple telephone call you might imagine to negotiate a better deal to compare to competitors at around £200/yr for the same level of cover. Anyway, two telephone calls that failed to result in a new price, due to "computer issues". Followed by various methods of them delivering the same £340/yr renewal quote with no explanation. Plus my complaints via on-line message through the website and to various complaints/customer service email addresses ha
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